Terms & Conditions
Last Updated: March 20, 2026
These Terms and Conditions ("Terms") govern your access to and use of the website, services, and applications (collectively, the "Services") provided by Neil Jesani Risk Management ("Neil Jesani Risk Management," "we," "us," or "our"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Services.
1. Acceptance of Terms
By accessing or using any part of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. We reserve the right to modify these Terms at any time. Continued use of our Services after any such modifications constitutes your acceptance of the revised Terms.
2. Description of Services
Neil Jesani Risk Management provides insurance advisory, brokerage, and related services, including but not limited to insurance quote comparisons, coverage analysis, risk assessments, and consultation scheduling. Our Services are designed to assist individuals and businesses in evaluating and obtaining insurance coverage.
3. Eligibility
You must be at least 18 years of age to use our Services. By using our Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement.
4. Insurance Disclaimers
The information provided through our Services, including quote comparisons, premium estimates, coverage recommendations, and risk assessments, is for informational and educational purposes only. Such information does not constitute an offer to sell, a solicitation to buy, or a recommendation for any insurance product.
- All premium estimates are approximations and may differ from actual carrier quotes.
- Final insurance quotes, terms, conditions, and pricing are determined solely by the applicable insurance carrier(s) and are subject to underwriting approval.
- Neil Jesani Risk Management does not guarantee the availability, pricing, or terms of any insurance product or coverage.
- You should consult with a licensed insurance professional before making any insurance decisions.
5. User Responsibilities
By using our Services, you agree to:
- Provide accurate, current, and complete information when requested
- Not use our Services for any unlawful, fraudulent, or harmful purpose
- Not attempt to gain unauthorized access to any part of our Services, systems, or networks
- Not interfere with or disrupt the operation of our Services
- Not reproduce, duplicate, sell, or exploit any portion of our Services without express written permission
- Not submit false, misleading, or fraudulent information for the purpose of obtaining insurance quotes or coverage
6. Intellectual Property
All content, features, and functionality of our Services — including but not limited to text, graphics, logos, trademarks, images, software, and design — are the exclusive property of Neil Jesani Risk Management or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws. You may not use, reproduce, modify, or distribute any of our intellectual property without prior written consent.
7. Third-Party Links and Services
Our Services may contain links to third-party websites, services, or resources, including insurance carriers, scheduling platforms, and payment processors. We are not responsible for the content, accuracy, or practices of any third-party sites. Your use of third-party services is subject to their own terms and policies.
8. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BEAMALIFE INSURANCE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
- Your access to, use of, or inability to use our Services
- Any conduct or content of any third party on our Services
- Unauthorized access, use, or alteration of your information
- Any errors, omissions, or inaccuracies in our quote estimates or coverage analysis
- Any reliance on information provided through our Services
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR OUR SERVICES EXCEED THE AMOUNT YOU HAVE PAID TO US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
9. Disclaimer of Warranties
OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
10. Indemnification
You agree to indemnify, defend, and hold harmless Neil Jesani Risk Management, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to your use of our Services, your violation of these Terms, or your violation of any rights of a third party.
11. Binding Arbitration
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
You and Neil Jesani Risk Management agree that any dispute, claim, or controversy arising out of or relating to these Terms, our Services, or the relationship between you and Neil Jesani Risk Management (collectively, "Disputes") shall be resolved exclusively through final and binding arbitration, rather than in a court of law.
Arbitration Rules: The arbitration shall be administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules then in effect, which are available at www.adr.org.
Location: The arbitration shall take place in the State of New Jersey, or at another mutually agreed location. If the claim is for $25,000 or less, the arbitration may be conducted entirely by telephone or video conference, at your election.
Arbitrator Authority: The arbitrator shall have exclusive authority to resolve all Disputes, including the scope, enforceability, and arbitrability of this arbitration agreement. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.
Class Action Waiver: You and Neil Jesani Risk Management agree that all Disputes shall be resolved on an individual basis only. Neither party shall have the right to participate in a class action, collective action, private attorney general action, or any other representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.
Costs: Each party shall bear its own costs and attorneys' fees in connection with the arbitration, unless the arbitrator determines that a claim was brought in bad faith, in which case the arbitrator may award reasonable attorneys' fees and costs to the prevailing party.
Exceptions: Notwithstanding the foregoing, either party may seek injunctive or equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights, confidentiality obligations, or other proprietary rights.
Opt-Out: You may opt out of this arbitration provision by sending written notice to Neil Jesani Risk Management within thirty (30) days of your first use of our Services. The notice must include your name, address, email, and a clear statement that you wish to opt out of arbitration.
12. Governing Law
These Terms and any Dispute arising hereunder shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. To the extent that litigation is permissible under these Terms, you consent to the exclusive jurisdiction of the state and federal courts located in the State of New Jersey.
13. Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable, while preserving the intent of the original provision.
14. Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices or agreements published by us on the Services, constitute the entire agreement between you and Neil Jesani Risk Management regarding the use of our Services and supersede all prior and contemporaneous agreements, representations, and understandings.
15. Contact Us
If you have questions about these Terms, please contact us:
See also: Privacy Policy