Terms of Service
Effective Date: 3/18/2026
Welcome to Joy Ostroms. By accessing or using our website, services, or communication systems, you agree to the following Terms of Service. Please read them carefully.
1. Services Provided
Joy Ostroms provides life insurance consultation and policy placement services, including assistance with court-ordered life insurance requirements. Services are administrative and insurance-related only and do not constitute legal advice.
2. Use of Website
By using this website, you agree to:
Provide accurate and truthful information
Use the website for lawful purposes only
Not attempt to disrupt or interfere with website functionality
You must be at least 18 years of age to use this website and services. By submitting information through this website, you represent and warrant that you are at least 18 years old. We do not knowingly collect or solicit information from individuals under the age of 18.
3. SMS Communications
By providing your phone number through our website forms, you consent to receive informational text messages from Joy Ostroms related to your inquiry or services requested.
Message frequency may vary
Message and data rates may apply
Reply STOP to opt out at any time
Reply HELP for assistance
We do not send unsolicited promotional or marketing text messages.
4. User Consent
By submitting your information through our forms, you acknowledge that you have reviewed and agreed to:
These Terms of Service
Our Privacy Policy
5. No Legal Advice
Joy Ostroms provides insurance-related services only. Any information provided is for general informational purposes and should not be considered legal advice. Clients are encouraged to consult with an attorney for legal matters.
6. Limitation of Liability
Joy Ostroms shall not be held liable for:
Any indirect, incidental, or consequential damages
Decisions made based on information provided through this website
Delays or issues caused by third-party service providers
7. Third-Party Services
We may utilize third-party platforms (such as CRM systems, communication providers, and insurance carriers). We are not responsible for the performance or policies of these third-party services.
8. Data Use and Privacy
Your use of our services is also governed by our Privacy Policy, which explains how your information is collected, used, and protected.
9. Changes to Terms
We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to this page.
10. Contact Information
If you have any questions regarding these Terms, please contact:
Joy Ostroms
Email: [email protected]
Website: https://joyostroms.com
Joy Ostroms
📧 [email protected]