Terms of Service
1. Acceptance of Terms
By using Joven Insurance’s website and services, you agree to comply with these Terms of Service. If you do not agree, please do not use our services.
2. Use of Services
You agree to use our services legally and not for fraudulent or unlawful activities.
3. SMS Communications
By submitting your phone number, you consent to receive text messages from us regarding:
- Quotes, policy updates, and renewal reminders.
- Account notifications and customer support.
- Promotions and special offers related to Joven Insurance.
Your SMS Rights
- Opt-Out: Reply STOP at any time to unsubscribe.
- Message Frequency: Varies based on user engagement.
- Data & Message Rates: Standard carrier charges apply.
- Support: Reply HELP or contact us at 888-975-6836.
- Delivery: We are not responsible for message delays or carrier issues.
4. Insurance Quotes & Policy Terms
- Quotes provided are estimates and subject to final approval by the insurance carrier.
- Policy terms, coverage, and pricing may change based on underwriting guidelines.
- It is your responsibility to review policy documents and ensure accuracy.
5. Payments & Billing
- Payments for insurance policies are processed through third-party carriers.
- Joven Insurance does not store credit card details.
- Refunds and cancellations are subject to carrier policies.
6. Intellectual Property
All content, logos, and materials on this website are owned by Joven Insurance and may not be copied or redistributed without permission.
7. Limitation of Liability
We are not liable for any damages, losses, or interruptions related to your use of our services. Our liability is limited to the extent permitted by law.
8. Changes to These Terms
We may modify these Terms at any time. Continued use of our services after updates constitutes acceptance of the new terms.
9. Contact Us
For questions about these Terms, contact us at:
Email: [email protected]
Phone: 888-975-6836
Last Updated: 4/29/2025