TERMS OF SERVICE

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. About CJ Financial

These Terms of Service govern your use of the website located at cjfinancial.org and all services provided by CJ Financial, a limited liability company with its principal place of business at 15 Josta Pl, Sacramento, CA 95835, operating under the trade name PrimeTimeLeads (EIN: 92-0670350).

CJ Financial connects consumers who have expressed interest in life insurance and final expense insurance products with licensed insurance professionals. We provide life insurance consultations, final expense insurance guidance, appointment scheduling, and insurance inquiry management services.

2. Acceptance of Terms

By accessing cjfinancial.org, submitting any form, or providing your phone number and opting in to receive communications from CJ Financial, you agree to be bound by these Terms of Service and our Privacy Policy. Also By using this website and/or enrolling in any services offered by CJ Financial, you confirm that you are at least 18 years of age.

If you do not agree to these terms, please do not use our website or submit your contact information. Your continued use of our services following any updates to these terms constitutes your acceptance of the revised terms.

3. Services Description

CJ Financial provides the following services through cjfinancial.org:

• Life insurance and final expense insurance consultation services

• Free no-obligation insurance quotes and agent matching

• Appointment scheduling and confirmation services with licensed agents

• SMS and email follow-up communications related to insurance inquiries

CJ Financial is doing business as PrimeTimeLeads. All SMS communications are sent based on your explicit opt-in selections at the time of form submission on cjfinancial.org.

4. SMS Messaging Program

CJ Financial provides an SMS text messaging program for users who opt in through our website at cjfinancial.org. By opting in, you agree to receive text messages from CJ Financial at the phone number you provide. There are two types of messages available based on your consent selections:

Checkbox 1 — Non-Marketing Messages

By selecting this checkbox, you consent to receive non-marketing text messages from CJ Financial related to:

• Appointment confirmation and reminders for insurance consultations

• Rescheduling notifications if appointment times need to be adjusted

• Post-consultation follow-up messages regarding your insurance inquiry

• Account and service information relevant to your inquiry

Checkbox 2 — Marketing Messages

By selecting this checkbox, you additionally consent to receive promotional text messages from CJ Financial, including:

• Promotional discounts and special offers on insurance consultation services

• New service announcements

• Customer loyalty rewards and referral incentives

• Re-engagement promotions

Both consent checkboxes are completely optional and are never pre-checked. You may submit a form on cjfinancial.org without selecting either checkbox and will not receive SMS messages unless you explicitly opt in. You may opt in to one or both types of messages.

5. How to Opt Out (STOP)

You can cancel the SMS service at any time. Just text STOP to (310) 571-8506. After you send the SMS message STOP to us, we will send you a final confirmation message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from CJ Financial.

If you want to receive messages again in the future, simply opt in through any form on cjfinancial.org as you did the first time, and we will resume sending you messages based on your new consent selections.

6. How to Get Help (HELP)

If you are experiencing issues with the messaging program, you can reply with the keyword HELP to any message you receive from us. You can also get help directly by contacting us at:

• Phone: (310) 571-8506

• Email: [email protected]

• Website: cjfinancial.org/contact-us

7. Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to the terms and conditions of your wireless carrier and may not be available in all areas. CJ Financial is not responsible for delays or failures in message delivery caused by your wireless carrier, network outages, or other factors outside our control.

8. Message Frequency and Rates

Message frequency may vary depending on your consent selections and the nature of your insurance inquiry. As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider directly.

If you have any questions regarding our privacy practices, please read our Privacy Policy available at cjfinancial.org.

9. User Responsibilities

By using cjfinancial.org and our services, you agree to:

• Provide accurate and truthful information when submitting forms or contacting us

• Use our services only for lawful purposes and in compliance with all applicable laws and regulations

• Not attempt to misuse, disrupt, or interfere with our website or messaging systems

• Notify us promptly if your phone number changes so we can update our records

• Ensure that you are the authorized user or account holder of the phone number you provide

10. Intellectual Property

All content on cjfinancial.org including text, graphics, logos, images, and software is the property of CJ Financial (DBA PrimeTimeLeads) and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our express written permission.

11. Limitation of Liability

To the fullest extent permitted by applicable law, CJ Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of cjfinancial.org, our services, or our SMS messaging program.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Sacramento County, California.

13. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Material changes will be posted on cjfinancial.org with an updated Last Updated date. Where appropriate, we may also notify you via email or SMS. Your continued use of our website or services after any changes are posted constitutes your acceptance of the revised terms.

14. Contact Us

If you have any questions about these Terms of Service or our SMS messaging program, 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]

SMS Support: Reply HELP to any message or text HELP to (310) 571-8506

We aim to respond to all inquiries within 10 business days.