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Terms & Conditions
Effective date: 9/1/26 Last updated: 9/9/26
These Terms & Conditions ("Terms") govern your access to and use of demarcoretirementpartners.com and any related pages, forms, landing pages, or scheduling tools operated by us (collectively, the "Site").
By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
1. Who We Are
The Site is operated by JNI, LLC, doing business as DeMarco Retirement Partners ("we," "us," or "our"), located at 13577 Feathersound Dr STE 390, Clearwater, Florida 33762.
Ken DeMarco is a licensed insurance agent. Florida insurance producer license number W803884. You may verify this license directly with the Florida Department of Financial Services at licenseesearch.fldfs.com.
We are an independent insurance agency. We are appointed with multiple insurance carriers and are compensated by those carriers in the form of commissions when a policy is placed.
2. Insurance Only - What We Are Not
Read this section.
We are licensed to sell insurance products only. Specifically: fixed annuities, fixed indexed annuities, and life insurance (term, whole life, and indexed universal life).
We are not:
- A registered investment adviser, investment adviser representative, or fiduciary
- A broker-dealer or registered representative of a broker-dealer
- A certified public accountant, tax preparer, or tax adviser
- An attorney or law firm
We do not sell, recommend, analyze, or offer advice regarding securities of any kind, including stocks, bonds, mutual funds, ETFs, or variable products. We do not manage assets, and we do not provide investment advisory services.
Nothing on this Site is, or should be construed as, investment advice, tax advice, legal advice, or a recommendation to buy or sell any security. You should consult your own qualified tax professional, attorney, or investment adviser regarding your specific circumstances before making any financial decision.
3. Informational Purposes Only
All content on the Site — including articles, guides, illustrations, calculators, videos, and educational materials — is provided for general informational and educational purposes only.
Content on the Site:
- Is not a solicitation or offer to sell any specific insurance product in any state where we are not properly licensed and appointed
- Does not create an agent-client, advisory, or fiduciary relationship
- Is general in nature and does not account for your individual financial situation, objectives, or needs
- May become outdated; we are under no obligation to update it
Any discussion of Social Security, retirement income timing, or tax treatment is general educational information only, and is not personalized advice.
4. No Government Affiliation
We are not affiliated with, endorsed by, or acting on behalf of the Social Security Administration, the Centers for Medicare & Medicaid Services, the Internal Revenue Service, the U.S. Department of the Treasury, or any other federal, state, or local government agency or program.
Any reference to government programs on this Site is for educational context only.
5. No Guarantees; Product Availability
Insurance products are issued by insurance carriers, not by us. Any guarantee associated with an annuity or life insurance policy is a contractual obligation of the issuing insurance carrier and is subject to that carrier's claims-paying ability and financial strength.
Insurance products are not deposits, are not insured by the FDIC or NCUA, and are not guaranteed by any bank, credit union, or government agency.
Product features, riders, rates, crediting methods, bonuses, and availability vary by carrier, by product, and by state, and are subject to change without notice. Nothing on this Site constitutes an offer of any specific product, rate, or benefit.
Any figures, examples, or hypothetical scenarios shown on the Site are illustrative only. Past performance of any index is not a guarantee or indication of future results. Actual results will vary. Only the policy contract issued by the carrier governs the actual terms, benefits, limitations, exclusions, charges, and surrender provisions of any product. Read it before you buy.
Applications for insurance are subject to underwriting. Approval is not guaranteed, and coverage does not exist until a policy is issued and delivered and the required premium is paid.
6. Licensing and Geographic Scope
We conduct business only in states where we hold an active insurance license and are properly appointed with the issuing carrier. The Site is intended for residents of the United States and its territories. We do not offer or sell products outside the United States.
If you contact us from a state in which we are not licensed, we will tell you.
7. Eligibility
You must be at least 18 years old and legally able to enter into a binding contract to use the Site or submit any form. Do not submit information on behalf of a minor.
8. Forms, Consent to Contact, and Communications
When you submit a form, request a quote, book an appointment, or otherwise provide your contact information through the Site, you consent to be contacted by us at the phone number and email address you provide.
By providing your phone number and checking the applicable consent box, you provide prior express written consent for us to contact you at that number by telephone call and/or text message, including through the use of automated technology, artificial or prerecorded voice, or an automated system for the selection or dialing of telephone numbers. Consent is not a condition of purchase. Message and data rates may apply. Message frequency varies.
You may opt out of text messages at any time by replying STOP. Reply HELP for assistance. You may opt out of marketing emails using the unsubscribe link in any email.
Your consent applies even if the number you provide is listed on any federal, state, or internal Do Not Call registry.
We operate in accordance with the Telephone Consumer Protection Act (TCPA), the Florida Telephone Solicitation Act (Fla. Stat. § 501.059), the CAN-SPAM Act, and applicable state telemarketing law.
Your information is handled as described in our Privacy Policy, which is incorporated into these Terms by reference.
9. Electronic Communications and Records
By using the Site, you consent to receive communications from us electronically, and you agree that electronic communications, agreements, notices, disclosures, and records satisfy any legal requirement that such communications be in writing. This consent is provided under the federal E-SIGN Act and applicable Florida law.
10. Third Party Links and Content
The Site may link to third-party websites, including carrier sites, government sites, scheduling tools, and license verification databases. We do not control those sites, do not endorse their content, and are not responsible for their accuracy, availability, privacy practices, or security. Accessing them is at your own risk.
11. Intellectual Property
All content on the Site — including text, copy, layout, graphics, logos, and the "DeMarco Retirement Partners" name and mark — is owned by us or our licensors and is protected by United States copyright and trademark law.
You may view and print Site content for your own personal, non-commercial use. You may not copy, reproduce, republish, distribute, modify, frame, scrape, or create derivative works from Site content without our prior written permission.
12. Acceptable Use
You agree not to:
- Use the Site for any unlawful purpose or in violation of these Terms
- Submit false, misleading, or fraudulent information, or impersonate another person
- Submit another person's contact information without their authorization
- Attempt to gain unauthorized access to the Site, its servers, or any connected system
- Introduce malware, viruses, or any harmful code
- Use bots, scrapers, or automated means to harvest data or content from the Site
- Interfere with or disrupt the operation of the Site or any other user's use of it
We may suspend or terminate your access to the Site at any time, without notice, for any reason.
13. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, secure, error-free, or free of harmful components, or that any content is accurate, complete, or current.
14. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE WILL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).
Nothing in these Terms limits any liability that cannot be limited under applicable law, and nothing in this section limits, waives, or modifies any right you have under an insurance policy issued to you by a carrier.
15. Indemnification
You agree to indemnify, defend, and hold harmless JNI, LLC, DeMarco Retirement Partners, Ken DeMarco, and their respective officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your violation of any law or the rights of any third party.
16. Changes to These Terms
We may revise these Terms at any time by posting an updated version to the Site with a new Effective Date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. Review this page periodically.
17. Governing Law and Venue
These Terms and any dispute arising out of or relating to them or to the Site are governed by the laws of the State of Florida, without regard to its conflict of laws principles.
You agree that the exclusive jurisdiction and venue for any dispute arising out of or relating to these Terms or the Site will be the state or federal courts located in Pinellas County, Florida, and you consent to personal jurisdiction in those courts.
Before filing any claim, you agree to first contact us using the information in Section 20 and attempt to resolve the dispute informally for a period of at least thirty (30) days.
Nothing in this section affects any dispute resolution, appraisal, or arbitration provision contained in an insurance policy issued to you by a carrier. Those provisions are governed by the policy contract and applicable insurance law.
18. Severability and Waiver
If any provision of these Terms is found unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of our right to do so later.
19. Entire Agreement and Assignment
These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the Site and supersede any prior understandings. You may not assign these Terms. We may assign them without restriction.
20. Contact us
DeMarco Retirement Partners | 13577 Feather Sound Dr. STE 390 Clearwater, Florida 33762
Email: [email protected] Phone: (267) 566-0301
To be removed from all contact lists, email us with the subject line "Do Not Contact."
Insurance products are offered through licensed insurance agents. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Not FDIC or NCUA insured. Not a deposit. Not insured by any federal government agency. Not bank or credit union guaranteed. May lose value if surrendered early.