Terms of Service

Last updated: Jun 08, 2026

Please read this Terms of Service (“Terms”, “Terms of Service”) carefully before using the https://www.jmjinsurance.com/ website (the “Website”) operated by Alliance Capital Investment Group, Inc. dba JMJ Insurance, a Corporation formed in Georgia, United States (“us”, “we”, “our”) as this Terms of Service contains important information regarding limitations of our liability. Your access to and use of this Website is conditional upon your acceptance of and compliance with these Terms. These Terms apply to everyone, including but not limited to visitors, users and others, who wish to access and use the Website.

By accessing or using the Website, you agree to be bound by these Terms. If you disagree with any part of the Terms, then you do not have our permission to access or use the Website.

Prohibited uses.

You agree that you will use this Website in accordance with all applicable laws, rules, regulations and these Terms at all times. The following is a non-exhaustive list of prohibited uses of this Website. You agree that you will not perform any of the following prohibited uses:

Impersonating or attempting to impersonate Alliance Capital Investment Group, Inc. dba JMJ Insurance or its employees, representatives, subsidiaries or divisions;

Misrepresenting your identity or affiliation with any person or entity;

Sending or attempting to send any advertising or promotional material, including but not limited to spam, junk mail, chain mail or any similar material;

Engaging in any conduct that restricts or inhibits any person’s use or enjoyment of the Website, or which, as determined in our sole discretion, may harm us or the users of this Website or expose us or other users to liability;

Using the Website in any manner that could disable, overburden, damage or impair the Website or interfere with another party’s use of the Website;

Using any robot, spider or other similar automatic technology, process or means to access or use the Website for any purpose, including monitoring or copying any of the material on this Website;

Using any manual process or means to monitor or copy any of the material on this Website or for any other unauthorized purpose;

Using any device, software, means or routine that interferes with the proper working of the Website, including but not limited to viruses, trojan horses, worms, logic bombs or other such materials;

Attempting to gain unauthorized access to, interfering with, damaging or disrupting any parts of the Website, the server(s) on which the Website is stored, or any server, computer or database connected to the Website;

Attempting to attack or attacking the Website via a denial-of-service attack or a distributed denial-of-service attack;

Otherwise attempting to interfere with the proper working of the Website;

Using the Website in any way that violates any applicable federal, state or local laws, rules or regulations.

NO WARRANTY ON WEBSITE.

THIS WEBSITE IS PROVIDED “AS IS”. NO WARRANTY, EXPRESS OR IMPLIED (INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, OF SATISFACTORY QUALITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE) SHALL APPLY TO THIS WEBSITE, WHETHER ARISING BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE OR OTHERWISE.

Availability, errors and inaccuracies.

We assume no liability for the availability, errors or inaccuracies of the information, products or services provided on this Website. We may experience delays in updating information on this Website and in our advertising on other websites. The information, products and services found on the Website may contain errors or inaccuracies or may not be complete or current. Products or services may be incorrectly priced or unavailable. We expressly reserve the right to correct any pricing errors on our Website. The inclusion or offering of any product or service on this Website does not constitute an endorsement or recommendation of such product or service by us.

DAMAGES AND LIMITATION OF LIABILITY.

IN NO EVENT SHALL ALLIANCE CAPITAL INVESTMENT GROUP, INC. DBA JMJ INSURANCE BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF, RELATING TO OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO, DISPLAY OF OR USE OF THIS WEBSITE OR WITH THE DELAY OR INABILITY TO ACCESS, DISPLAY OR USE THIS WEBSITE, INCLUDING BUT NOT LIMITED TO YOUR RELIANCE UPON OPINIONS OR INFORMATION APPEARING ON THIS WEBSITE; ANY COMPUTER VIRUSES, INFORMATION, SOFTWARE, LINKED WEBSITES OPERATED BY THIRD PARTIES, PRODUCTS OR SERVICES OBTAINED THROUGH THIS WEBSITE, WHETHER BASED ON A THEORY OF NEGLIGENCE, CONTRACT, TORT, STRICT LIABILITY, CONSUMER PROTECTION STATUTES OR OTHERWISE, EVEN IF ALLIANCE CAPITAL INVESTMENT GROUP, INC. DBA JMJ INSURANCE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE AGGREGATE LIABILITY OF ALLIANCE CAPITAL INVESTMENT GROUP, INC. DBA JMJ INSURANCE ARISING OUT OF OR RELATING TO THIS WEBSITE, WHETHER ARISING OUT OF OR RELATED TO BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE SHALL BE LIMITED TO THE AMOUNT OF FEES ACTUALLY RECEIVED BY ALLIANCE CAPITAL INVESTMENT GROUP, INC. DBA JMJ INSURANCE FROM YOU.

THIS LIMITATION OF LIABILITY REFLECTS THE ALLOCATION OF RISK BETWEEN YOU AND US. THE LIMITATIONS SPECIFIED IN THIS SECTION WILL SURVIVE AND APPLY EVEN IF ANY LIMITED REMEDY SPECIFIED IN THESE TERMS OF USE IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. THE LIMITATIONS OF LIABILITY PROVIDED IN THESE TERMS OF USE INURE TO THE BENEFIT OF ALLIANCE CAPITAL INVESTMENT GROUP, INC. DBA JMJ INSURANCE.

Links to third party websites.

This Website may contain hyperlinks to websites operated by third parties and not by us. We provide such hyperlinks for your reference only. We do not control such websites and are not responsible for their contents or the privacy or other practices of such websites. Further, it is your responsibility to take precautions to ensure that whatever links you click on or software that you download, whether from this Website or other websites or applications, is free of such items as viruses, worms, trojan horses, defects and other items of a destructive nature. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.

SMS Messaging.

If you opt in to receiving SMS messages from us, we will send you conversational messages. Our SMS program can be described as follows: Hello, I just received your information requesting an insurance quote. When is a good time to talk? We will send you messages upon request, 3-4 times. Please note that messaging frequency may vary. Message and data rates may apply. Carriers may charge fees for each message sent or received. These fees can vary based on the carrier’s pricing structure and whether the message is sent domestically or internationally. The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. You may opt out of SMS messages at any time by texting “Stop”. For help, reply HELP. You may also opt out by emailing us at . If you text us “Stop”, you will receive the following confirmation message: You have been unsubscribed and will no longer receive SMS messages from us. Reply START to re-subscribe or reply HELP for assistance. If you would like to re-subscribe to receiving SMS messages from us, you can do so by texting “start”, by re-enrolling through the website, or by contacting us. If you need assistance with SMS messaging, you can obtain that assistance by contacting us or by replying HELP. For additional information regarding SMS messaging and your privacy, please read our Privacy Policy: https://www.jmjinsurance.com/privacy-policy/.

Intellectual property and DMCA notice and procedure for intellectual property infringement claims.

All contents of this Website are © 2026 Alliance Capital Investment Group, Inc. dba JMJ Insurance or third parties. All rights reserved. Unless specified otherwise, this Website and all content and other materials on this Website including but not limited to all logos, designs, text, graphics, pictures, information, data, software, sound files and arrangement thereof (collectively, “Content”) are the proprietary property of Alliance Capital Investment Group, Inc. dba JMJ Insurance and are either registered trademarks, trademarks or otherwise protected intellectual property of Alliance Capital Investment Group, Inc. dba JMJ Insurance or third parties in the United States and/or other countries.

If you are aware of a potential infringement of our intellectual property, please contact Deneen Manor at .

We respect the intellectual property rights of others. It is our policy to respond to any claim that Content posted on the Website infringes on the copyright, trademark or other intellectual property rights of any person or entity.

If you believe in good faith that the Content infringes on your intellectual property rights, you or your agent may send us a written notice of such infringement titled “Infringement of Intellectual Property Rights – DMCA.” Your notice to us must include the following information:

An electronic or physical signature of the person authorized to act on behalf of the owner of the intellectual property right’s interest;

A description of the work that you claim has been infringed, including the URL (i.e., web page address) of the location where the work exists or a copy of the work;

Your name, email, address and telephone number; and

A statement by you that you have a good faith belief that the disputed use is not authorized by the owner of the work, its agent or the law.

Please note that we will not process your complaint if it is not properly filled out or is incomplete. You may be held accountable for damages, including but not limited to costs and attorneys’ fees for any misrepresentation or bad faith claims regarding the infringement of your intellectual property rights by the Content on this Website.

You may submit your claim to us by contacting us at:

Alliance Capital Investment Group, Inc. dba JMJ Insurance
Deneen Manor
Email:
Phone:
Address: 2940 Horizon Park Drive Suite F, Suwanee, GA 30024
United States

Governing law, severability, dispute resolution, venue and class action waiver.

These Terms shall be governed and construed in accordance with the laws of the state of Georgia, United States, without regard to its conflict of laws provisions. THESE TERMS SHALL NOT BE GOVERNED BY THE UNITED NATIONS CONVENTION ON CONTRACTS FOR THE SALE OF INTERNATIONAL GOODS, THE UNIFORM COMMERCIAL CODE, NOR INCOTERMS.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between you and us regarding our Website, and supersede and replace any prior agreements we might have had with you regarding the Website.

Any controversy or claim arising out of or relating to these Terms including but not limited to the interpretation or breach thereof shall be resolved in a court of competent jurisdiction in Gwinnett County, Georgia.

YOU AND ALLIANCE CAPITAL INVESTMENT GROUP, INC. DBA JMJ INSURANCE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION.

Changes to terms of service.

We reserve the right to make changes to these Terms of Service at any time. We will not provide you with any notice when we make changes to this Terms of Service.

Questions.

If you have any questions about our Terms of Service, please contact us at .

© 2026 Alliance Capital Investment Group, Inc. dba JMJ Insurance. All rights reserved.

Text Messaging (SMS) / Mobile Privacy

When you provide your phone number and opt in to receive text messages, we collect and use that phone number to send you communications related to your account and our services. Message frequency varies. Message and data rates may apply.

We do not share or sell your mobile phone number or any personal information to third parties for marketing purposes.

You may opt out of SMS communications at any time by replying STOP. For help, reply HELP or contact us at 770-754-0882.