LEGAL INFORMATION
Terms of Use
Effective: September 9, 2026
These Terms of Use govern access to and use of the JGA Caribbean website. JGA Caribbean is a business operation of John Gipson Agency LLC dba JGA Insurance Solutions, a Georgia limited liability company and licensed insurance agency. By accessing or using this website, you acknowledge these Terms of Use. If you do not agree with these terms, you should discontinue use of the website.
1. Purpose of This Website
This website provides general information concerning JGA Caribbean, insurance solutions, risk management, governance advisory, Caribbean risk, industries, insights, and related services and subject matter. Website content is provided for general informational and business-development purposes and should not be treated as a substitute for an individualized evaluation of an organization’s risks, circumstances, insurance requirements, or professional-advisory needs.
2. No Insurance Contract or Binder
Nothing on this website constitutes an insurance binder, insurance policy, quotation, offer of insurance, confirmation of coverage, or guarantee that insurance coverage is available for a particular person, organization, property, activity, jurisdiction, or exposure. Submission of a website inquiry does not bind coverage or create an insurance contract. Insurance coverage, when available, is subject to applicable law, licensing and regulatory requirements, insurer approval, underwriting, eligibility requirements, market availability, premiums, policy terms, conditions, limitations, and exclusions. Actual insurance-policy language governs the terms and scope of any insurance coverage that is ultimately issued.
3. Licensing and Jurisdiction
Insurance activities are subject to licensing and regulatory requirements that vary by jurisdiction. References on this website to the Caribbean, Caribbean markets, Caribbean risk, Caribbean expertise, or organizations operating or investing across the Caribbean do not represent that JGA Caribbean or John Gipson Agency LLC dba JGA Insurance Solutions is licensed or authorized to transact insurance in every jurisdiction referenced or from which this website may be accessed. The legally appropriate service or insurance-placement structure must be determined according to the circumstances of the particular risk and applicable requirements. For additional information, see the Insurance & Licensing Disclosure.
4. No Professional-Advisory Relationship Created by Website Use
Accessing this website, reading its content, contacting JGA Caribbean, or submitting an inquiry does not by itself create an insurance-broker, risk-management, consulting, fiduciary, legal, accounting, tax, investment, actuarial, or other professional-advisory relationship. Any professional engagement with JGA Caribbean or John Gipson Agency LLC dba JGA Insurance Solutions is subject to appropriate evaluation and, where applicable, separate agreements, terms, authorizations, or insurance documentation.
5. Risk Management and Governance Information
Risk-management and governance information provided through this website is general in nature. Organizations should evaluate recommendations and information in light of their particular operations, objectives, contractual obligations, risk environment, and applicable legal and regulatory requirements. JGA Caribbean does not represent that implementation of any particular risk-management, governance, resilience, or organizational strategy will eliminate all risks, prevent all losses, or guarantee a particular outcome.
6. No Legal, Tax, Accounting, Investment, or Actuarial Advice
Unless expressly agreed and appropriately qualified, information presented through this website should not be construed as legal, tax, accounting, investment, actuarial, or other regulated professional advice. Users should consult appropriately qualified professionals regarding matters requiring those services.
7. Accuracy and Timeliness of Information
JGA Caribbean seeks to provide useful and accurate information, but risk environments, insurance markets, laws, regulations, underwriting requirements, market conditions, and other circumstances may change. Website information may therefore become incomplete, outdated, or no longer applicable to a particular situation. Users should not rely upon website content as the sole basis for a material insurance, risk-management, governance, financial, legal, or business decision.
8. Intellectual Property
Unless otherwise indicated, the text, branding, graphics, design elements, original frameworks, written materials, and other original content appearing on this website are owned by or used with authorization by John Gipson Agency LLC dba JGA Insurance Solutions and/or the applicable rights holder. Website content may be viewed and used for personal, internal business, and informational purposes. No website content may be reproduced, republished, distributed, sold, commercially exploited, materially modified, or presented as another person’s or organization’s work without appropriate authorization, except as permitted by applicable law. Nothing on this website grants any license or right to use JGA Caribbean names, branding, trademarks, service marks, proprietary frameworks, or other protected intellectual property except as expressly authorized.
9. Permitted Use
Users agree to use this website only for lawful purposes. Users should not: Attempt to gain unauthorized access to the website, its systems, or related infrastructure; Interfere with website operation or security; Introduce malicious code or harmful technology; Use automated methods to disrupt, overload, or improperly extract information from the website; Misrepresent identity or affiliation when communicating through the website; Use website content in a manner that infringes intellectual-property or other legal rights; or Use the website for unlawful, fraudulent, abusive, or deceptive purposes.
10. Third-Party Services and Links
The website may contain links to or information concerning third-party websites, insurers, intermediaries, service providers, market participants, or other organizations. Unless expressly stated otherwise, a reference or link does not constitute an endorsement, guarantee, partnership, or representation concerning the third party. JGA Caribbean does not control independently operated third-party websites and is not responsible for their content, availability, security, or privacy practices.
11. Website Availability
JGA Caribbean may modify, suspend, discontinue, or restrict access to all or part of the website when reasonably necessary. Website availability may be affected by maintenance, technical issues, security events, hosting interruptions, or circumstances beyond our reasonable control. Continuous or uninterrupted website availability is not guaranteed.
12. Limitation of Website Warranties
To the extent permitted by applicable law, this website and its general informational content are provided on an “as available” basis. JGA Caribbean does not warrant that website content will always be complete, current, error-free, uninterrupted, or suitable for every user’s particular circumstances. Nothing in these Terms of Use excludes or limits rights or obligations that cannot lawfully be excluded or limited.
13. Limitation of Liability
To the extent permitted by applicable law, JGA Caribbean and John Gipson Agency LLC dba JGA Insurance Solutions will not be responsible for losses arising solely from a user’s reliance upon general website information where an individualized professional evaluation, insurance determination, or other appropriate advice was required. Nothing in these Terms of Use is intended to exclude or limit liability that cannot lawfully be excluded or limited.
14. Privacy
Use of information collected through this website is addressed in the JGA Caribbean Privacy Policy. Users should review the Privacy Policy before submitting personal information through the website.
15. Changes to These Terms
JGA Caribbean may update these Terms of Use periodically to reflect changes in website functionality, business practices, services, or applicable requirements. When these Terms are materially revised, the effective date displayed on this page should be updated. Continued use of the website following an update is subject to the then-current Terms of Use.
16. Governing Law
These Terms of Use are governed by the laws of the State of Georgia, United States, without regard to conflict-of-laws principles, except to the extent that another law must apply and cannot lawfully be excluded. Nothing in these Terms is intended to override mandatory rights or requirements that apply under applicable law.
17. Contact
Questions concerning these Terms of Use may be directed to:
JGA Caribbean
5 Gresham Landing, Ste. C
Stockbridge, GA 30281