Website Terms and Conditions

Terms of Use

The Terms of Use is an Agreement between you and BJT Solutions, Inc. By using this website, associated sites, hardware, software, or services through this website you agree to these Terms of Use in full. You also agree to provide true, accurate, current and complete information if requested by this website. If you do not agree with these Terms of Use in full, including the terms expressed in our Privacy Policy, then you are not authorized to use any service of this website, and should not provide any information through this website.

Privacy Policy

BJT Solutions, Inc. has adopted a Privacy Policy. You are encouraged to refer to the Privacy Policy by clicking on the Privacy Policy link before providing any information.

Age Restriction (18 Years Or Older)

You must be eighteen (18) years of age or older to use this website, and if you are under the age of 18, you are not permitted to provide any information through this website, for any purpose, including seeking insurance information or services. We are not responsible for monitoring or seeking verification of user qualification or age. Should BJT Solutions, Inc. find a user is violating these Terms of Use, BJT Solutions, Inc. may immediately take action to discontinue further access to our website.

Legal Disclaimer

There are no warranties expressed or implied by this website. Materials found on bjtinsurance.com are provided solely for research and comparison purposes. BJT Solutions, Inc. neither recommends nor endorses any insurance company. BJT Solutions, Inc. assumes no liability for the accuracy of the information provided. Although every effort is taken to provide the highest quality material on bjtinsurance.com, there may be occasions of technical difficulties or inaccuracies, and all disclaimers apply.

Licenses

BJT Solutions, Inc. provides its services in multiple states. Our licensing varies by state as follows:

  • California: Licensed as (dba) BJT Insurance Solutions, a Division of BJT Solutions, Inc.
  • Florida: Licensed as (dba) BJT Insurance Solutions, a Division of BJT Solutions, Inc.
  • Texas: Licensed as BJT Solutions, Inc.
  • Idaho: Licensed as BJT Solutions, Inc.

In the following states, Brad Tonoff (the individual) holds licenses but BJT Solutions, Inc. does not:

  • New Jersey
  • Maryland

The following license numbers are listed in accordance with state laws/regulations:

  • CA License #6012469: (dba) BJT Insurance Solutions, a Division of BJT Solutions, Inc.
  • ID License #3002991719: BJT Solutions, Inc.
  • TX License #3144763: BJT Solutions, Inc.
  • FL License #L126147: (dba) BJT Insurance Solutions, a Division of BJT Solutions, Inc.
  • NJ License #3001371438: Brad Tonoff (the individual)
  • MD License #3002720832: Brad Tonoff (the individual)

See all licensing information here: https://bjtinsurance.com/licenses/

Corporate Address:

BJT Solutions, Inc.
2915 Saint George St. Unit 3, Los Angeles, CA 90027

Limitation of Liability

To the fullest extent permissible under applicable law, both BJT Solutions, Inc. and bjtinsurance.com assume no liability whatsoever for any damages of any kind, including but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind that may result from your use of or inability to use this website or the materials or services provided on this website or the products or services received from this website. Some exemptions of implied warranties may be prohibited in some jurisdictions. In such cases, in no event shall BJT Solutions, Inc.'s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.

The responsibility to evaluate your needs for life insurance and the accuracy of the information we provide lies with you. BJT Solutions, Inc. does not render any information contained as legal, professional, tax, or other advice. A tax or legal advisor may be necessary in evaluating your personal situation.

Consent To Be Contacted

You agree that by providing your personal information, you are making a consumer inquiry for insurance offered by licensed insurance agents. You agree by doing so that you consent and expect to be contacted by any and all such licensed insurance agents regardless of whether you are registered on the federal do-not-call list and/or any applicable state do-not-call list. You consent and expect to be contacted by a licensed insurance agent via phone, email, text, or direct mail. You may withdraw your consent to be contacted by notifying BJT Solutions, Inc. at brad@bradtonoff.com.

Your Representation and Warranty

You agree to provide BJT Solutions, Inc. with, to the best of your knowledge and ability, any and all information that you submit to this website as true and accurate.

BJT Solutions, Inc. Restrictions On Use

You are allowed to use this site for purposes permitted by this website only and may not use this site for any other purpose, including any commercial purpose, without the express prior written consent of BJT Solutions, Inc. You are not permitted to display the BJT Solutions, Inc. name, logo, or trademark that appears on this website and agree to cooperate with BJT Solutions, Inc. to cease any unauthorized co-branding, framing, or hyper-linking immediately.

BJT Solutions, Inc. Proprietary Information, Trademarks and Copyright

Any and all content on bjtinsurance.com is the proprietary information of BJT Solutions, Inc., which retains all rights, title, and interest. The content found on this site may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of BJT Solutions, Inc., although you may print a copy of the content for your personal use only. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any such content. Modification or use of the content except as expressly provided in these Terms and Conditions of Use violates the intellectual property rights of BJT Solutions, Inc. Neither title nor intellectual property rights are transferred to you by access to this site.

Third Party Links and Content

This site may be linked to other third-party sites which are not maintained by or related to BJT Solutions, Inc. These links are provided solely as a service to users and are neither sponsored nor affiliated with this site or BJT Solutions, Inc. BJT Solutions, Inc. has not reviewed these third-party sites and assumes no responsibility, endorsement, representation, or warranties for the content which may be found on those sites. Users’ use of these links and third-party content contained therein is at their own risk.

Disclaimer

Your use of this site is at your own risk. This website and the materials on this website are provided on an “As Is” basis without warranties of any kind, either express or implied. BJT Solutions, Inc. disclaims all warranties, express or implied, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. BJT Solutions, Inc. does not represent or warrant that materials on this website are accurate, complete, reliable, current, or error-free. BJT Solutions, Inc. does not represent or warrant that this website or its server(s) are free of viruses or other harmful components. BJT Solutions, Inc. does not warrant that the functions or content contained in this site will be uninterrupted or error-free, that defects will be corrected, or that this server or the server that makes it available are free of viruses or other harmful components. BJT Solutions, Inc. does not warrant or make any representation regarding the use, or the result of use, of the content in terms of accuracy, reliability, or otherwise. The content may include technical inaccuracies or typographical errors, and BJT Solutions, Inc. may make changes or improvements at any time. You, and not BJT Solutions, Inc., assume the entire cost of all necessary servicing, repair, or correction in the event of any loss or damage arising from the use of this site or its content. BJT Solutions, Inc. makes no warranties that your use of the content will not infringe the rights of others and assumes no liability or responsibility for errors or omissions in such content. Reference to any products, services, processes, or other information, by trade name, trademark, agents, supplier, or otherwise does not constitute or imply endorsement, sponsorship, or recommendation thereof by BJT Solutions, Inc. BJT Solutions, Inc. does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.

Limitation of Legal Liability

In no event shall BJT Solutions, Inc., its subsidiaries, affiliates, licensors, service providers, content providers, employees, agents, officers, and directors be liable for any incidental, direct, special, indirect, punitive, actual, consequential, or exemplary damages or any other damages of any kind, including but not limited to, loss of use, loss of profits, or loss of data, whether in an action in contract, tort (including, but not limited to, negligence), or otherwise, arising out of or in any way connected with the use of this website or