Terms of Use.

Acceptance of This Agreement

By accessing or using jasonbratingroup.com (the "Site") and any services offered through it (the "Services"), you agree to be bound by these Terms of Use (the "Agreement"). If you do not agree, you must exit the Site immediately.

About Us

The Site is operated by Jason Bratin and Jason Bratin Group ("we," "us," or "the Company"), a personal brand operating as a Senior Partner under NoblePath Financial. The Site is informational. Insurance and financial products described are offered through appointed carriers; final placement is subject to underwriting and applicable state licensing.

Eligibility

To use the Services, you must be:

• At least 18 years old
• A resident of the United States
• Not a competitor of the Company and not using the Services for competitive purposes

Changes to This Agreement

The Company reserves the right to modify this Agreement. Except for legal or administrative changes, reasonable advance notice will be provided. Continued use of the Services constitutes acceptance of changes.

Access to the Services

The Company may modify, withdraw, or discontinue Services at any time without notice. The Company may suspend or terminate access at any time, in its sole discretion, for any or no reason, including if it determines that you have violated any terms of this Agreement.

Use of the Services

Prohibited Activities

You agree that you will not:

• Violate any applicable law or contractual obligation
• Send unsolicited communications
• Impersonate any person or entity
• Exploit minors
• Harass or interfere with others' use of the Services
• Interfere with the Service infrastructure
• Copy or monitor material through automated systems
• Upload malware or harmful software
• Violate security measures
• Reverse engineer or decompile the Services
• Collect user data without consent
• Assist others in any of the above

Geographic Restrictions

The Services are intended for use by persons located in the United States only. Users accessing from other jurisdictions assume responsibility for local law compliance.

Insurance & Financial Information

Information presented on this Site is for general educational purposes only and does not constitute legal, tax, accounting, or individualized financial advice. Insurance and annuity product guarantees are subject to the claims-paying ability of the issuing carrier. Tax-advantaged strategies referenced are based on current interpretations of the Internal Revenue Code (including IRC §7702). Tax laws are subject to change and may affect the treatment of life insurance products. Past performance of market indexes is not indicative of future results. Indexed strategies do not directly participate in any stock or equity investment.

Jason Bratin Group and NoblePath Financial operate as independent financial consulting entities and are not affiliated with any government agency. Nothing on this Site constitutes an offer to sell, or a solicitation to buy, any insurance or financial product in any jurisdiction in which such offer or solicitation is not authorized.

Intellectual Property

The Company owns all intellectual property in the Services and content. This Agreement transfers no right, title, or interest in or to such intellectual property rights. The Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access the Site for personal, informational use.

Restrictions

You shall not:

• Copy, reproduce, or distribute Site content
• Modify or create derivative works
• Sell, license, or exploit any portion of the Site
• Delete or alter proprietary notices
• Build competitive products using the content
• Systematically retrieve information to create databases

Trademark Notice

All trademarks and service marks displayed on the Site are the property of Jason Bratin Group, NoblePath Financial, appointed carriers, or third parties. You may not use them without prior written consent.

User Content

You are solely responsible for any content you submit (testimonials, reviews, inquiries). By submitting content to us, you grant the Company an irrevocable, non-exclusive, royalty-free, fully paid, transferable, perpetual, and worldwide license to use such content. The Company shall not be responsible or liable to any third party for any user content posted by you.

Content Standards

User content must not:

• Violate any law or contractual obligation
• Promote illegal activity or harm
• Infringe intellectual property rights
• Contain defamatory, abusive, or objectionable material
• Promote sexually explicit material or discrimination
• Contain fraudulent or misleading information
• Misrepresent endorsement by the Company

Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into this Agreement by reference.

No Warranty

THE SERVICES ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. The Company does not warrant accuracy, reliability, completeness, availability, error-freedom, security, or freedom from viruses. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE SERVICES SHALL CREATE ANY WARRANTY.

Limitation of Liability

IN NO EVENT SHALL THE COMPANY OR ITS AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES OF ANY KIND, INCLUDING LOSS OF USE, REVENUE, PROFIT, BUSINESS, DATA, GOODWILL, OR CONSEQUENTIAL OR PUNITIVE DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES IS TO STOP USING THE SERVICES.

Indemnification

You agree to indemnify, defend, and hold harmless the Company and its affiliates for losses arising from your breaches of this Agreement, misuse of the Services, your user content, or third-party use of your account.

Governing Law

This Agreement is governed by, and construed in accordance with, the laws of the State of New York, without giving effect to any conflict-of-law principles. Actions must be brought in the state or federal courts located in Putnam County, New York. At the Company's discretion, disputes may be submitted to binding arbitration under American Arbitration Association rules.

YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THESE TERMS, YOU ARE WAIVING THE RIGHT TO TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION AROSE.

SMS Opt-Out

You can cancel any SMS service at any time by texting "STOP" to the originating number or shortcode. Reply "HELP" for additional assistance. Carriers are not liable for delayed or undelivered messages.

Miscellaneous

Waiver. Failure to exercise rights does not constitute waiver. Severability. If any term is found invalid, it does not affect other provisions. Entire Agreement. This Agreement, together with the Privacy Policy, constitutes the complete agreement. No Agency. No agency, partnership, or joint venture is created. Assignment. You may not assign your rights; the Company may assign freely.

Contact

For questions about these Terms, contact:

Jason Bratin Group
12 Main St, Unit #2133
Brewster, NY 10509
Email: [email protected]
Phone: +1 (718) 986-6555