Disclaimer, Policies, Terms & Conditions
Last Updated: 01/14/2026

4. Privacy Policy & Data Protection

Data Usage & Confidentiality

• Privacy Commitment: We will not disclose private information to outside parties unless it benefits the primary information holder and we have obtained written consent.

• Security: JHN partners with the Wix database to ensure unauthorized sources are denied access to user data.

• HIPAA Compliance: We comply with HIPAA and civil action laws. Medical conditions are never disclosed to third parties without prior consent, except where required by law.

• Cookies: By using our website, you agree to our use of cookies to analyze site interaction.

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"Know Your Customer" (KYC) & Compliance

• AML Mandate: JHN Finance is mandated to abide by "Know Your Customer" (KYC) protocols under the Anti-Money Laundering (AML) Act. We reserve the authority to request necessary information from users to comply with these laws.

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Access to Information

• Personal Requests: You may request your own private information from JHN Finance upon verification of identity.

• Third-Party Requests: Public parties requesting information about a user must provide written consent signed by that user or valid documentation from a designated legal agent or authority.

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5. User Code of Conduct

Community Guidelines

Users must adhere to the following standards. Violation of these guidelines may result in immediate dismissal from the portal:

• No Harassment: Verbal or visual abuse, suggestive language, or offensive behavior toward others is strictly prohibited.

• No Explicit Content: Pornographic material and adult-themed sexual conduct are banned.

• Profile Accuracy: Member profiles must be true and accurate. Falsification of licenses, identity theft, or "catfishing" is prohibited.

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Solicitation & Privacy of Others

• No Solicitation: Active transaction or solicitation of business on the JHN Finance platform is not permitted.

• Third-Party Privacy: Users do not have the right to disclose the private information of other members or third parties without their express permission.

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6. Payment & Refund Policies

Premium Collection

JHN Finance maintains the authority to collect premiums relevant to services provided on behalf of its insurers.

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Refund Policy (Study Groups & Products)

• Discretion: All refunds and reimbursements are at the sole discretion of the Jacob Hollingsworth Network.

• Study Groups: Refunds are unlikely after completing a Study Group Program. Requests made before completing 50% of the program have a higher likelihood of approval.

• Policy Exemption: Purchases are not subject to the standard "30/100% Policy."

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7. Intellectual Property & Media Release

Media Release

By joining a JHN FINANCE Study Group, you authorize the Jacob Hollingsworth Network to use any likeness provided for media or marketing purposes. We commit to not using this content to defame or slander participants.

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8. Broker Services: State & Federal Marketplaces​

Agent Eligibility & Suitability

• Certified Assistance: Only "JHN Finance" certified brokers or agents who have completed all required training and certifications are eligible to assist with plan enrollment, eligibility, and direction within state or federally funded marketplaces.

• Suitability Standard: When a JHN Finance broker is listed as the "Assister," "Broker," or "Agent" (via writing, verbal consent, or any means deemed true "in fact"), they are responsible for ensuring the recommended health plan is suitable. This applies to qualified, non-qualified, essential needs, or minimum level plans.

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Limitation of Liability (The "First-Year" Rule)

• Scope of Responsibility: Following the initial enrollment assistance in a minimum level plan, JHN Finance and its certified agents are not responsible or liable for coverage maintenance beyond the first annual plan year.

• Renewals & Maintenance: We hold no obligation or liability for:

  • Renewals

  • Disenrollment

  • Re-enrollment

  • Any coverage issues arising after the end of the 1st plan annual health plan year.

• Applicable Plans: This limitation applies to MinnesotaCare, Medical Assistance, and other minimum level or minimum fee-based health plans.

Non-Government Affiliation

• No Government Employment: No JHN Finance certified broker or agent may claim to represent, or claim to be an employee of, any state or federally funded program.