Effective Date: September 11, 2026

Welcome to MyBrokerJoe.com (“Website,” “Site,” “we,” “us,” or “our”), operated by Joe Martinez (“Joe Martinez,” “Broker,” or “MyBrokerJoe”).

By accessing, browsing, submitting information through, or otherwise using MyBrokerJoe.com, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions (“Terms”), as well as any other policies, notices, disclosures, or agreements referenced on this Website.

If you do not agree with these Terms, please discontinue use of the Website.

These Terms may include provisions concerning limitations of liability, dispute resolution, arbitration, communications, privacy, and other matters that may affect your legal rights. Please read them carefully.

MyBrokerJoe.com is intended to provide general information regarding life insurance, retirement planning concepts, annuities, mortgage protection, final expense insurance, and related financial protection products and services.

The Website may also be used to:

• Request insurance information or quotes;
• Submit information for a coverage review;
• Request an appointment or consultation;
• Communicate with Joe Martinez or his authorized representatives;
• Learn about available insurance and retirement-related products and services; and
• Access educational and informational materials.

Submitting a request through the Website does not guarantee that you will qualify for coverage, receive a particular product, receive a particular premium, or be approved by any insurance carrier.

Insurance coverage is subject to the terms, conditions, underwriting requirements, eligibility requirements, and approval of the applicable insurance carrier.

Information provided through MyBrokerJoe.com is for general educational and informational purposes and is not intended to constitute legal, tax, accounting, investment, or individualized financial advice.

Insurance products and their availability, benefits, premiums, underwriting requirements, riders, features, and eligibility may vary based on factors including, but not limited to, age, health, location, tobacco use, coverage amount, underwriting, product availability, and applicable carrier guidelines.

Any illustrations, examples, rates, premiums, coverage amounts, or other information presented on the Website are for informational purposes only and should not be interpreted as a guarantee of coverage or pricing.

Actual policy terms are controlled by the insurance contract issued by the applicable insurance carrier.

Requesting information, submitting a quote form, speaking with Joe Martinez or a representative, or receiving an insurance illustration does not constitute an offer, acceptance, or guarantee that an insurance policy will be issued.

All applications are subject to the applicable insurance carrier's underwriting and approval requirements.

Coverage does not become effective unless and until the applicable insurance carrier approves the application and the requirements for coverage to become effective have been satisfied.

MyBrokerJoe.com may provide information and services to individuals in multiple states and jurisdictions throughout the United States.

However, not every insurance product, carrier, policy, service, or feature is available in every state or jurisdiction. Licensing requirements, insurance laws, regulations, product availability, consumer protections, disclosures, and other requirements may differ by state and locality.

Nothing on MyBrokerJoe.com should be interpreted as a representation that Joe Martinez, MyBrokerJoe.com, or any particular insurance product or service is authorized, licensed, approved, or available in every state or jurisdiction.

You are responsible for conducting your own due diligence and, where applicable, verifying the insurance licensing, product availability, regulatory requirements, consumer protections, and other laws applicable to your state, locality, or jurisdiction.

You should consult the appropriate state insurance department, regulatory agency, licensed professional, attorney, tax professional, or other qualified advisor when appropriate.

Where state or local law imposes requirements that differ from these Terms, the applicable law and regulatory requirements will control to the extent required by law.

When using MyBrokerJoe.com, you agree to:

• Provide accurate, current, and complete information;
• Update information when necessary;
• Use the Website only for lawful purposes;
• Not submit information belonging to another person without authorization;
• Not attempt to interfere with or compromise the security or operation of the Website;
• Not use the Website for fraudulent, deceptive, abusive, or unlawful purposes;
• Not misrepresent your identity or relationship with another individual or organization; and
• Comply with all applicable federal, state, and local laws and regulations.

Joe Martinez may work with or have access to products offered by multiple insurance carriers.

Each insurance carrier is responsible for its own insurance products, policy contracts, underwriting decisions, claims decisions, financial obligations, and applicable policy terms.

MyBrokerJoe.com does not control an insurance carrier's underwriting, approval, policy issuance, claims determination, or other contractual decisions.

Any insurance policy purchased through an applicable carrier is governed by the terms and conditions of the policy contract issued by that carrier.

MyBrokerJoe.com may contain links to or utilize third-party websites, applications, services, quoting systems, scheduling systems, insurance carrier resources, social media platforms, or other third-party technology.

MyBrokerJoe.com does not control third-party websites or services and is not responsible for their content, privacy practices, availability, security, terms, or policies.

Your use of third-party websites or services may be subject to separate terms and privacy policies.

You are encouraged to review the applicable terms and privacy policies before using third-party services.

By voluntarily providing your telephone number, email address, or other contact information through MyBrokerJoe.com, you may be contacted by Joe Martinez and/or authorized representatives regarding your inquiry, insurance information, quotes, appointments, coverage reviews, and related services.

Where applicable and where legally permitted, you may also receive future marketing communications.

Depending on the consent provided and applicable law, communications may occur through telephone calls, text messages, email, or other communication methods, including automated technology where permitted by law.

Message and data rates may apply. Message frequency may vary.

You may opt out of marketing text messages by replying STOP. You may request assistance by replying HELP.

Consent to receive marketing communications is not a condition of purchasing insurance or obtaining services.

Additional SMS/text messaging terms and disclosures may apply and are incorporated into these Terms by reference.

Your use of MyBrokerJoe.com is also subject to the MyBrokerJoe.com Privacy Policy.

The Privacy Policy explains how information may be collected, used, disclosed, stored, and protected.

Because insurance inquiries may involve personal information, you should review the Privacy Policy before submitting information through the Website.

You should only provide information through MyBrokerJoe.com that you are authorized to provide.

MyBrokerJoe.com will handle personal information in accordance with its applicable Privacy Policy and legal obligations.

Although reasonable measures may be used to protect information, no website, electronic transmission, database, or internet communication can be guaranteed to be completely secure.

You acknowledge that electronic communications and internet transmissions involve inherent security risks.

The information contained on MyBrokerJoe.com is provided for general informational and educational purposes.

Although reasonable efforts may be made to maintain accurate and current information, MyBrokerJoe.com does not guarantee that all information is complete, accurate, current, or free from errors or omissions.

Product descriptions, examples, premiums, benefits, features, and other information may change without notice.

Unless otherwise indicated, the content of MyBrokerJoe.com, including text, graphics, logos, photographs, designs, videos, written materials, and other content, is owned by or used with permission by Joe Martinez/MyBrokerJoe.com.

You may not reproduce, copy, modify, distribute, publish, sell, license, or commercially exploit Website content without prior written permission, except as permitted by applicable law.

You may not use MyBrokerJoe.com to:

• Violate any applicable law or regulation;
• Submit fraudulent or misleading information;
• Attempt to obtain another person's private information;
• Interfere with the Website's operation;
• Introduce malicious software or code;
• Attempt unauthorized access to systems or accounts;
• Scrape or systematically collect Website content without authorization;
• Impersonate Joe Martinez, MyBrokerJoe.com, an insurance carrier, or another individual or organization; or
• Engage in any activity that could reasonably harm the Website, its users, Joe Martinez, insurance carriers, or other parties.

Use of MyBrokerJoe.com alone does not create an attorney-client, accountant-client, investment-advisor, fiduciary, or other professional relationship.

An insurance producer/customer relationship or other professional relationship may arise only when applicable requirements have been satisfied and the relevant parties have expressly entered into such a relationship.

To the fullest extent permitted by applicable law, MyBrokerJoe.com, Joe Martinez, and their respective representatives shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to your use of, or inability to use, the Website or information provided through the Website.

This includes, to the extent permitted by law, damages arising from reliance on information contained on the Website, interruptions to Website availability, technical problems, third-party services, unauthorized access, or errors or omissions in Website content.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

To the fullest extent permitted by law, MyBrokerJoe.com is provided on an “as is” and “as available” basis.

No representation or warranty is made that:

• The Website will always be available;
• The Website will operate without interruption or error;
• Website content will always be accurate or complete;
• The Website will be free from viruses or other harmful components; or
• Any particular insurance product, policy, rate, premium, benefit, or coverage will be available or approved.

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Joe Martinez, MyBrokerJoe.com, and their respective representatives from claims, liabilities, damages, losses, costs, and expenses arising out of or related to:

• Your violation of these Terms;
• Your misuse of the Website;
• Information you knowingly submit that is false, misleading, or unauthorized;
• Your violation of applicable law or regulation; or
• Your infringement of another person's rights.

MyBrokerJoe.com may serve individuals across multiple states and jurisdictions.

Accordingly, no single state's laws are intended to replace the laws or regulatory requirements applicable to a particular consumer, transaction, insurance product, or jurisdiction.

You are responsible for conducting your own due diligence regarding the laws, regulations, licensing requirements, consumer protections, and other requirements applicable to you and your location.

To the extent required by applicable law, the laws and regulations governing a particular insurance transaction, policy, consumer relationship, or dispute shall control.

Nothing in these Terms is intended to waive or override any consumer protection, insurance regulation, licensing requirement, or other legal right that cannot lawfully be waived.

To the extent permitted by applicable law, any dispute arising out of or relating to your use of MyBrokerJoe.com or these Terms may be subject to applicable dispute-resolution procedures.

Nothing in this provision is intended to prevent a consumer from exercising rights that cannot legally be waived, including rights provided by applicable federal or state law.

Any arbitration agreement or mandatory dispute-resolution provision, if applicable, will be presented in accordance with applicable law and any legally required disclosures or consent requirements.

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be modified or limited to the minimum extent necessary to make it enforceable, if permitted by law.

The remaining provisions will continue in full force and effect.

Failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

A waiver is effective only if made in accordance with applicable law and, where appropriate, provided in writing.

MyBrokerJoe.com may modify or update these Terms from time to time.

When material changes are made, the updated Terms may be posted on this Website with a revised effective date.

Your continued use of MyBrokerJoe.com after changes are posted constitutes acceptance of the revised Terms to the extent permitted by applicable law.

These Terms, together with the MyBrokerJoe.com Privacy Policy, SMS/Text Messaging Consent, and any other applicable policies or agreements incorporated by reference, constitute the applicable agreement governing your use of MyBrokerJoe.com, except where a separate written agreement or insurance policy governs a particular transaction or relationship.

For questions regarding these Terms or MyBrokerJoe.com, please contact:

Joe Martinez
MyBrokerJoe.com
Life Insurance & Retirement Broker
Phone: 909-788-9151
Website: MyBrokerJoe.com
Email: joemartinezffl@gmail.com

The information provided through MyBrokerJoe.com is intended for general educational and informational purposes. Insurance products and services are subject to applicable laws, regulations, licensing requirements, carrier availability, underwriting guidelines, and policy terms.

Because laws and requirements vary by state and locality, individuals should conduct their own due diligence and consult the appropriate state or local regulatory authorities and qualified professionals regarding requirements applicable to their particular circumstances.

Nothing on MyBrokerJoe.com should be interpreted as a guarantee that a particular product, service, policy, rate, premium, or coverage is available in your state or jurisdiction.