Terms & Conditions

By accessing or using the jhcins website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

• You must be at least 18 years old to use our services
• You have the legal capacity to enter into binding contracts
• Your use of the service constitutes acceptance of these terms
• We reserve the right to modify these terms with notice

If you do not agree with any part of these terms, please discontinue use of our services immediately.

jhcins provides auto insurance comparison and policy management services. Our platform connects you with coverage options tailored to your needs.

• Auto insurance quotes from multiple providers
• Policy management tools for active policyholders
• Claims assistance and guidance throughout the process
• Customer support via phone, email, and online channels
• Service availability subject to your location and eligibility

We strive to maintain service availability but cannot guarantee uninterrupted access at all times.

As a user of jhcins services, you agree to certain responsibilities and obligations to maintain the integrity of our platform.

• Provide accurate and truthful information in all forms
• Maintain the security of your account credentials
• Refrain from prohibited activities including fraud or misrepresentation
• Comply with all applicable local, state, and federal laws
• Notify us immediately of any unauthorized account access

Insurance quotes provided through our platform are estimates based on the information you provide and are subject to final underwriting approval.

• Quotes are valid for a limited time and may change
• Final pricing may differ based on additional verification
• Payment methods include credit cards, debit cards, and bank transfers
• Billing cycles can be monthly, quarterly, or annual
• Refund policy varies by insurer and policy terms

All pricing is determined by the insurance provider and is subject to their underwriting guidelines.

Insurance policies obtained through jhcins are issued by third-party insurance providers. Policy terms are separate from our website terms.

• Policy terms are governed by the insurance provider's contract
• Underwriting process is conducted by the insurance provider
• Coverage limitations are defined in your policy documents
• Claims procedures follow the insurance provider's guidelines
• jhcins facilitates but does not underwrite policies

You are responsible for reviewing and understanding your policy documents in full before purchase.

All content on the jhcins website, including text, graphics, logos, and software, is the property of jhcins or its licensors.

• Website content is protected by copyright and trademark laws
• Trademark rights apply to all jhcins branding and logos
• Usage restrictions prohibit reproduction without permission
• User-generated content may be used by jhcins for service purposes

You may not copy, modify, distribute, or reverse engineer any part of our website without explicit written permission.

jhcins provides services on an "as is" basis and makes no warranties regarding service availability, accuracy, or outcomes.

• Service availability may be interrupted for maintenance or technical issues
• Information accuracy is not guaranteed and should be verified
• Third-party links are provided for convenience without endorsement
• Maximum liability is limited to fees paid for services

Any disputes arising from use of jhcins services shall be resolved through binding arbitration in accordance with the following terms.

• Arbitration agreement applies to all claims and disputes
• Class action waiver prevents participation in class action lawsuits
• Governing law is the state where jhcins operates
• Venue for disputes is in Sacramento, California

By using our services, you waive your right to a jury trial for any dispute related to these terms.

We reserve the right to terminate or suspend your access to our services at any time for violations of these terms or for any other reason.

• Right to terminate access for terms violations or fraudulent activity
• Effect of termination includes loss of access to all services
• Surviving provisions remain in effect after termination
• You may terminate your account by contacting customer support

Termination does not affect your obligations under existing insurance policies obtained through our platform.

If you have questions about these Terms and Conditions or need assistance with our services, please contact us using the information below.

• Address: 1651 Response Rd Sacramento CA 95815
• Phone: +1 (415) 406-7675
• Email: [email protected]
• Business hours: Monday - Friday, 9:00 AM - 6:00 PM PST

We aim to respond to all inquiries within 2-3 business days. For urgent policy matters, please call our customer support line.