Your privacy matters.

How much we collect depends entirely on how far you go. Running a quote takes almost nothing. Submitting an application takes a great deal, because that is what a carrier requires to make an underwriting decision. Each stage is listed separately below so you can see exactly what you have handed over at any point.

When you run a quote: date of birth, sex, state, tobacco use, and the coverage amount and term you are pricing. The quoting tool asks for no contact details at all. We cannot tell who ran a quote, and nobody is contacted because of one.

When you contact us, book a call, or ask for a referral: your name, email address, phone number, preferred contact method and time, and whatever you write in the message field.

When you start an application: an application asks for materially more, and all of it goes to the carrier you apply to. That includes your full legal name and any previous names, date of birth, place of birth, marital status, citizenship status, home address and how long you have lived there, driver’s license number and issuing state, occupation, employer, annual income, approximate net worth, height and weight, and the name, relationship, share and date of birth of each beneficiary you name.

Health and history questions on an application: your doctor’s name, practice and phone number and when you last saw them; diagnosed conditions; prescription medications and what they are for; hospital stays and surgeries in the last five years; tobacco, alcohol and drug use; hazardous activities and occupations; existing and pending life insurance elsewhere; and disclosures about bankruptcy, felony charges, and driving offenses. Carriers ask these because they price risk on them.

What we deliberately do not store: your Social Security number is never written to our systems. A carrier requires one to issue a policy, so at submission it passes through to that carrier and is not retained here.

Calls and messages: if you call or text the business line, the phone system records the number, the time, the duration, and the content of text messages. Calls may be recorded and transcribed where the law allows it and after any announcement that law requires.

Automatically collected information: your IP address, browser type, operating system, referring URL, the pages you visit, and general device information. Your IP address is also used for rate limiting and spam prevention on the forms.

Your information is used solely to:

• Respond to your inquiry or quote request
• Provide personalized insurance guidance and recommendations
• Schedule and conduct consultations
• Follow up on your coverage needs
• Process insurance applications on your behalf with your explicit consent
• Comply with legal and regulatory requirements
• Improve the website experience
• Measure whether an advertising click leads to an inquiry, verified booking, or client relationship

We do not sell or rent your contact information. Advertising measurement uses the limited identifiers described below.

We may share your information only in the following limited circumstances:

• Insurance carriers: With your explicit consent, we may share necessary information with the insurance carriers you choose to apply with, to process your application or obtain quotes.
• Legal requirements: If required by law, regulation, legal process, or government request.
• Our brokerage general agency: We place business through BackNine Insurance and Financial Services, which is how an independent agent reaches multiple carriers. A submitted application passes through them on its way to the carrier, and quote requests are priced against their rate data.
• Service providers: We use a small, named set of vendors to run this business, each handling only what its job requires: Vercel (website hosting), Turso (database), Google Workspace (email, calendar and document storage), Resend (transactional email), Quo, formerly OpenPhone (business phone, text messaging, call recording and transcription), and Cloudflare (spam prevention on the forms). This list is current as of the date at the top of this page.

Advertising measurement: We use Meta and Google Ads to measure results from our ads. We may send the ad-click identifier, an event identifier, and the event time to the advertising platform. Meta receives verified booking events and the general booking-page address. For new ad-sourced inquiries, Meta may also receive general CRM milestones, such as initial inquiry, consultation completed, quote provided, and becoming a client. These reports identify the agency CRM as their source. Google may also receive inquiry and client-conversion events, including a transaction value when applicable. We do not include your name, email, phone number, insurance choices, health or application information, message content, or SMS consent records in these reports.

Mobile information: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. The categories above exclude text messaging originator opt-in data and consent.

This site uses storage for sign-in sessions, display preferences, and spam prevention. Optional analytics loads only after you accept it. Google Analytics measures public page visits, broad traffic sources, and booking progress, including successful SMS verification. Analytics cookies contain random identifiers and expire after 180 days unless renewed by a visit.

Use Analytics preferences in the footer to decline or withdraw permission. We remember that choice for 180 days. Withdrawing stops optional browser measurement and removes our Analytics cookies. Booking works without accepting analytics. We do not send form answers, names, email addresses, phone numbers, booking links, or CRM records through browser analytics. Advertising personalization and Google signals remain disabled.

When a link contains advertising or campaign parameters, we retain them in your browser for the session and attach them to a request you submit. Our server uses ad-click identifiers for the advertising measurement described above. A completed SMS verification confirms that a booking is real; your mobile number and text consent are not sent to advertising platforms.

We honor Global Privacy Control signals on our contact and booking forms by omitting ad-click identifiers. You can enable this signal in a supporting browser or extension. It also keeps optional browser analytics off. Browser settings also let you control site storage; disabling it may affect how parts of the site work.

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include encrypted data transmission (SSL/TLS), secure storage practices, and limited access controls.

While we take every reasonable precaution, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your data.

We keep your information only as long as it is needed for the purposes described in this policy or as long as the law requires. These are the periods we work to. Review happens periodically rather than the moment a clock runs out, so treat them as the schedule we hold ourselves to and not as an automatic deletion the same day. If you want your information gone sooner, ask, and section 07 applies instead.

• Lead and inquiry data: up to 24 months from our last contact.
• Applications that were never submitted: up to 24 months, then deleted. An application you abandon is not sent to any carrier.
• Call recordings and transcripts: kept with the client file for the same period as policy records, because a recorded conversation about coverage is part of the sales record a regulator can ask for.
• Client policy data: retained for the life of the policy plus 7 years (per NAIC record-keeping standards).
• Email suppression list: retained indefinitely for compliance.

When your information is no longer needed, it will be securely deleted or anonymized.

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information
• Withdraw consent for data processing at any time
• Opt out of any future communications

To exercise any of these rights, contact us at justin@jbfinancials.com or call (844) 800-2253. We will respond to all requests within 30 days.

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete, and the right to opt out of the sale of personal information. We do not sell personal information. To exercise your CCPA rights, contact us using the information above.

This website is not directed to anyone under 18, and we do not knowingly collect information directly from children. If we learn that a child under 18 has given us information about themselves, We will delete it.

Insurance is the one place this needs a caveat, so here it is. A parent or guardian may give us a child’s name and date of birth as a beneficiary, or apply for coverage on a child through a child rider. In those cases the information comes from the adult, is used only to complete that application, and is held under the same rules as the rest of the file.

This website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. Any changes will be posted on this page with an updated “last updated” date. Continued use of the website after changes constitutes acceptance of the updated policy.

If you have questions about this privacy policy or how your information is handled, contact us at justin@jbfinancials.com or (844) 800-2253.