PRIVACY POLICY

Business Name: CJ Financial (DBA PrimeTimeLeads)

Website: cjfinancial.org

Address: 15 Josta Pl, Sacramento, CA 95835

Phone: (310) 571-8506

Email: [email protected]

Effective Date: April 22, 2026

Last Updated: April 22, 2026

1. Who We Are

This Privacy Policy applies to CJ Financial, a limited liability company operating under the trade name PrimeTimeLeads, with its principal place of business at 15 Josta Pl, Sacramento, CA 95835. This policy governs your use of our website located at cjfinancial.org and all services we provide.

CJ Financial provides life insurance and final expense insurance consultation services, connecting individuals and families with licensed insurance professionals. By using our website, submitting any form, or communicating with us via SMS, email, or phone, you agree to the terms of this Privacy Policy.

2. Information We Collect

We collect information you voluntarily provide when you fill out a contact or booking form, opt in to receive SMS communications, or reach out to us directly. This may include:

• Full name, date of birth, and mailing address

• Phone number and email address

• Insurance-related details such as type of coverage you are interested in

• Your SMS and marketing consent selections

We also automatically collect certain technical data when you visit cjfinancial.org, such as IP address, browser type, device type, and pages visited. This data is used solely for internal analytics and site improvement purposes.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries and provide requested insurance consultation services

• To send SMS messages you have expressly consented to receive, including appointment confirmations, service follow-ups, and promotional offers based on your opt-in selections

• To improve our website, services, and customer experience

• To comply with applicable laws and regulations

• To communicate important updates related to your inquiry or account

We will only send you messages that correspond to the consent checkboxes you selected at the time of form submission. We do not send unsolicited communications.

4. SMS Messaging and Opt-In Data

By opting in to receive SMS messages from CJ Financial through our website at cjfinancial.org, you consent to receive text messages at the phone number you provide. Depending on your selections, you may receive:

• Non-Marketing Messages: Appointment confirmations and reminders, rescheduling notifications, post-consultation follow-ups, and account or service information.

• Marketing Messages: Promotional discounts, new service announcements, customer loyalty rewards, referral incentives, and re-engagement promotions.

IMPORTANT DISCLOSURE: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties.

Text messaging originator opt-in data and consent will not be shared with any third parties, except for aggregators and providers of the text message services used to deliver your messages such as telecommunications carriers.

Message frequency may vary. Message and data rates may apply. To stop receiving messages at any time, reply STOP. For help, reply HELP or contact us at (310) 571-8506.

5. No Sharing of Personal Information

We do not sell, rent, trade, or otherwise share your personal information including your phone number and SMS opt-in consent with third parties or affiliates for marketing or promotional purposes.

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

• Service Providers: Third-party vendors who assist us in operating our website or delivering SMS communications. These providers are contractually required to keep your data confidential and may only use it to perform services on our behalf.

• Legal Compliance: When required by law, subpoena, or other legal process, or to protect the rights, property, or safety of CJ Financial, our customers, or others.

• Business Transfers: In the event of a merger, acquisition, or sale of business assets, your information may be transferred. You will be notified of any such change.

Under no circumstances do we share, sell, or disclose your SMS opt-in data or consent to any third party for their own marketing use.

6. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Secure encrypted connections (HTTPS) on cjfinancial.org

• Restricted access to personal data on a need-to-know basis

• Regular reviews of our data collection and storage practices

While we take data security seriously, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security of your information.

7. Cookies and Tracking

Our website at cjfinancial.org may use cookies and similar tracking technologies to enhance your browsing experience and analyze website traffic. Types of cookies we may use include:

• Essential Cookies: Required for the website to function properly

• Analytics Cookies: Help us understand how visitors interact with our site

• Preference Cookies: Remember your settings and preferences

You may disable cookies through your browser settings. We do not use cookies to serve third-party advertising or track you across other websites for marketing purposes.

8. Your Rights and Choices

You have the following rights with respect to your personal information:

• Access and Correction: You may request access to the personal information we hold about you and ask us to correct any inaccuracies.

• Deletion: You may request that we delete your personal information, subject to certain legal exceptions.

• Opt-Out of SMS: You may opt out of SMS communications at any time by replying STOP to any message or by contacting us directly.

• Withdraw Consent: Where processing is based on your consent, you may withdraw that consent at any time.

To exercise any of these rights, please contact us using the information in Section 11 below.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information promptly.

10. Changes to This Policy

We reserve the right to update or modify this Privacy Policy at any time. When we make material changes, we will update the Last Updated date at the top of this page and, where appropriate, notify you via email or SMS. Your continued use of cjfinancial.org or our services following the posting of any changes constitutes your acceptance of the revised Privacy Policy.

11. Contact Us

If you have any questions, concerns, or requests related to this Privacy Policy, please contact us:

Business: CJ Financial (DBA PrimeTimeLeads)

Website: cjfinancial.org

Address: 15 Josta Pl, Sacramento, CA 95835

Phone: (310) 571-8506

Email: [email protected]

We will respond to all privacy-related inquiries within 10 business days.