Terms of Use

1. Acceptance of Terms

By accessing or using the website at juliannmarquis.com (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site. These Terms apply to all visitors, users, and others who access or use the Site.

2. Use of the Site

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Use the Site in any way that violates applicable local, national, or international laws or regulations.
• Transmit any unsolicited or unauthorised advertising or promotional material.
• Attempt to gain unauthorised access to any part of the Site or its related systems.
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site.

3. Not Financial or Legal Advice

The content on this Site is provided for general informational purposes only. Nothing on this Site constitutes professional financial, investment, insurance, tax, or legal advice. You should not act or refrain from acting on the basis of any content on this Site without seeking appropriate professional advice tailored to your specific circumstances. Juli-Ann Marquis is a licensed insurance and financial advisor; formal advisory relationships are established only through signed engagement agreements.

4. Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of Juli-Ann Marquis or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

5. Third-Party Links

The Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

6. Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

7. Limitation of Liability

To the fullest extent permitted by law, Juli-Ann Marquis shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Site or its content, even if we have been advised of the possibility of such damages.

8. Privacy

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

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Jamaica, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Jamaica.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

11. Contact Us

If you have any questions about these Terms, please contact us: