Terms of Service

Notice and Acceptance of Terms

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. By accessing or using this website and any associated pages, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with these terms, do not access or use this website.

Age Restriction

By using this website and the services provided, you confirm that you are at least 18 years of age or older. This website is not intended for individuals under the age of 18. If you are under 18, do not attempt to access or use this website or submit any personal information through it.

We do not knowingly collect or solicit personal data from individuals under 18. If we learn that we have inadvertently received information from a person under 18, we will take immediate steps to delete that information from our records.ohnowensplaybook SMS Terms of Service

johnowensplaybook is a life insurance recruiting and team development program. By opting in, you can expect to receive appointment confirmations, onboarding information, recruiting follow-ups, training updates, and team announcements related to your life insurance career opportunities.

You can cancel the SMS service at any time. Simply text "STOP" to the shortcode. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to [email protected].

Carriers are not liable for delayed or undelivered messages.

As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies.

For questions about your text plan or data plan, contact your wireless provider.

For privacy-related inquiries, please refer to our privacy policy: https://johnowensplaybook.com/privacy_policy

Recruiting & Informational Use of Website

This website is intended for individuals exploring career opportunities, recruiting, training, and agency growth through John Owens at J & O Capital Solutions LLC, doing business as johnowensplaybook.

It is not intended for public advertising unrelated to recruiting, third-party lead generation, or solicitation beyond the recruiting and onboarding process.

No Legal, Tax, or Financial Advice

All content provided via this website, email, SMS, or phone communication is strictly for informational and recruiting purposes. Nothing communicated should be considered legal, tax, financial, or insurance advice.

Decisions regarding licensing, compensation, or contract terms should be verified independently in direct conversations.

Communication Consent

By submitting your information or using this website, you consent to receive recruiting-related communication from J & O Capital Solutions LLC / johnowensplaybook, including:

SMS (text messages)

Email

Phone calls (as applicable)

These communications may include:

Call confirmations and reminders

Follow-ups from recruiting conversations

Information about joining the team

Onboarding, training, or next-step updates

Message frequency may vary. Message and data rates may apply based on your mobile carrier.
You may opt out of SMS communication at any time by replying STOP. For assistance, reply HELP or contact us directly.

Consent is not a condition of purchase for any product or service.

Accuracy of Information & Individual Responsibility

Information shared via this site or follow-up messages is based on details provided during the recruiting process. You are responsible for verifying licensing needs, compensation, and contract details through direct conversation before making any decisions.

Limitation of Liability

J & O Capital Solutions LLC, johnowensplaybook, and John Owens are not liable for delays, licensing outcomes, compensation results, or actions taken by third-party vendors, carriers, or agencies beyond our direct control.

Website Content and Availability

All content is subject to change without notice. Access to this website may be restricted, modified, or paused at any time for updates, maintenance, or compliance purposes.

No contractual relationship is formed through use of this site unless explicitly confirmed in writing.

Intellectual Property

All content, branding, and materials on this website are owned or licensed by J & O Capital Solutions LLC / johnowensplaybook unless otherwise noted. Unauthorized use or distribution is strictly prohibited.

Updates to These Terms

These Terms of Service may be updated periodically to reflect changes in recruiting practices or compliance. Updates will be posted here and apply moving forward.

Contact Information

For questions related to recruiting or these Terms:

Email: [email protected]

Final Compliance Note (Carrier-Friendly)

Text messaging originator opt-in data and consent will not be shared with third parties for marketing or promotional purposes.
SMS communication is strictly limited to recruiting, scheduling, and onboarding messages.

Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.