Terms of Service for JOZ FINANCIAL GROUP CHRISTOPHER ORTIZ SOLE MBR

Effective Date: January 1, 2026

Welcome to JOZ FINANCIAL GROUP CHRISTOPHER ORTIZ SOLE MBR (the "Company," "we," "us," or "our"). By accessing or using our website and services, you agree to comply with and be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please refrain from using our services. These Terms apply to all visitors, clients, and users of our services.

1. Use of Our Services

a. Eligibility

You must be at least 18 years of age or have the consent of a legal guardian to engage with our services. By using our services, you confirm that you meet this eligibility requirement.

b. Acceptable Use

You agree to use our services only for lawful purposes and in compliance with these Terms.

You agree not to:

Violate any applicable laws or regulations

Attempt unauthorized access to our systems or interfere with service functionality

Transmit any viruses, malware, or harmful code

Use our services for unsolicited promotions or spam

2. SMS and Text Messaging Services

JOZ FINANCIAL GROUP CHRISTOPHER ORTIZ SOLE MBR

When you opt in to receive text messages from JOZ FINANCIAL GROUP CHRISTOPHER ORTIZ SOLE MBR, you will receive appointment confirmations, reminders, account updates, estimate details, pricing information, and service-related notifications related to your insurance policies and financial services. All messages are transactional in nature.

Opting Out

You can cancel the SMS service at any time. Just text "STOP" to +1 832-589-5919. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

Getting Help

If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at +1 832-589-5919 or [email protected].

Message Frequency and Costs

Message frequency varies based on your interaction with our services. As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

Carrier Liability

Carriers are not liable for delayed or undelivered messages.

Privacy

If you have any questions regarding privacy, please read our privacy policy here.

3. Intellectual Property

a. Ownership

All content on our website and in our marketing materials—including text, images, logos, graphics, and software—is owned by JOZ FINANCIAL GROUP CHRISTOPHER ORTIZ SOLE MBR or its licensors and is protected by applicable intellectual property laws.

b. Limited License

You are granted a limited, non-exclusive, non-transferable license to access and use our website and materials for personal, non-commercial purposes. You may not reproduce, modify, or distribute our content without prior written consent.

4. User Accounts

a. Account Creation

Certain services, including application tracking or policy management, may require you to create an account. You agree to provide accurate, complete, and updated information during registration.

b. Account Security

You are responsible for maintaining the confidentiality of your login credentials and for any activity under your account. Notify us immediately if you suspect unauthorized use.

5. Payments and Service Fees

a. Payment Terms

Some of our services may require payment of premiums, fees, or charges. By purchasing services, you agree to pay all applicable amounts in accordance with the terms provided at the time of purchase.

b. Recurring Charges

If you enroll in services involving recurring fees (such as subscription-based financial tools or policy services), you authorize us to charge your chosen payment method on a recurring basis until you cancel in accordance with our cancellation policy.

6. Disclaimers and Limitation of Liability

a. Disclaimer of Warranties

Our services are provided "as is" and "as available," without any warranties, either express or implied. This includes, without limitation, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

b. Limitation of Liability

In no event shall JOZ FINANCIAL GROUP CHRISTOPHER ORTIZ SOLE MBR, its affiliates, or licensors be liable for any indirect, incidental, special, or consequential damages arising out of or relating to your use or inability to use our services, even if advised of the possibility of such damages.

7. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for conduct that violates these Terms or is otherwise deemed harmful to our business, reputation, or other users.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Unites States.

Any disputes related to these Terms shall be resolved exclusively in the courts located in TEXAS.

9. Changes to These Terms

We may revise these Terms from time to time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes are posted constitutes your acceptance of the revised Terms.

10. Contact Us

For any questions or concerns about these Terms, please reach out to us at:

Email: [email protected]

Address: 8922 EASTCOVE CIR HOUSTON TEXAS

Phone: +1 832-589-5919