Terms & Conditions

Effective Date: January 1, 2025  |  Last Updated: January 1, 2025

Welcome to thejbra.com (the "Site"), operated by JBRA LLC ("Company," "we," "us," or "our"). By accessing or using this Site, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the Site.

Use of the Site

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

  • Use the Site in any way that violates applicable federal, state, or local law
  • Attempt to gain unauthorized access to any part of the Site or its systems
  • Use the Site to transmit malicious software or harmful content
  • Interfere with or disrupt the Site's operation or infrastructure
  • Reproduce, distribute, or modify any content on the Site without our prior written consent

Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of JBRA LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our express written permission.

No Financial Advice

The information on this Site is provided for general informational purposes only and does not constitute financial, legal, or investment advice. Any lending products or services described on this Site are subject to qualification, underwriting, and approval by JBRA LLC. We encourage you to consult with qualified professionals regarding your specific financial situation.

Disclaimer of Warranties

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

Limitation of Liability

To the fullest extent permitted by law, JBRA LLC 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, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from the use of this Site shall not exceed the amount you paid to us, if any, during the twelve months preceding the claim.

Indemnification

You agree to indemnify and hold harmless JBRA LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of your use of the Site or violation of these Terms.

Third-Party Links

This Site may contain links to third-party websites for your convenience. We do not endorse or control those websites and are not responsible for their content or privacy practices. Your use of third-party sites is at your own risk.

SMS/Text Messaging Terms

If you opt in to receive SMS/text messages from JBRA LLC through our website contact form, the following terms apply:

  • Consent: By opting in, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from JBRA LLC, including offers, updates, and information about our financial products and services, which may be sent using an automated telephone dialing system (ATDS).
  • Message Frequency: Message frequency varies; you may receive up to 4 messages per month.
  • Message and Data Rates: Message and data rates may apply. Contact your mobile carrier for details.
  • Opt-Out: You may opt out at any time by replying STOP to any message received from us. You will receive a one-time confirmation and no further promotional messages.
  • Help: For assistance, reply HELP to any message, or contact us at eric@thejbra.com.
  • No Condition of Purchase: Consent to receive SMS messages is NOT a condition of purchase. You may access our services without opting in to text communications.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Davidson County, Tennessee.

Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after any changes constitutes acceptance of the updated Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Contact Us

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

JBRA LLC
720 Darden Pl
Nashville, TN 37205
Email: eric@thejbra.com