Terms & Conditions

Last Updated: 02/04/2026

1. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms and Conditions.

2. Use of Website

You agree to use this website only for lawful purposes. You may not:

• Violate any laws or regulations
• Attempt unauthorized access
• Disrupt site functionality
• Upload malicious code

3. Services Disclaimer

Information provided on this website is for general informational purposes only and does not constitute financial, accounting, insurance, or legal advice.

4. Intellectual Property

All website content (text, branding, logos, graphics, downloads) is owned by or licensed to us and may not be reproduced without permission.

5. Payments and Refunds (If Applicable)

If services are purchased through the website:

• Payment terms will be disclosed before purchase
• Refund policies will be outlined in service agreements or invoices

6. Limitation of Liability

To the fullest extent permitted by law, we are not liable for:

• Indirect or consequential damages
• Loss of profits or business interruption
• Errors or omissions in website content

7. Indemnification

You agree to indemnify and hold us harmless from claims resulting from your use of the website or violation of these Terms.

8. Third-Party Services

We may link to third-party tools or websites. We are not responsible for their content or practices.

9. Governing Law

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict of law principles.

10. Changes to Terms

We may modify these Terms at any time. Continued use of the website constitutes acceptance of updates.

11. Contact

JR Watkins Agency
Pittsburgh, PA
jonathan.r.watkins@outlook.com
(412) 205-0850