Privacy Policy

Privacy Policy

Effective 12/29/2024

JF Insurance, LLC (“we,” “us,” “our”) works hard to build and maintain a relationship of trust with you. This Privacy Policy (the “Privacy Policy”) describes how we collect, use, and disclose information, including Personal Information, in connection with your use of our website(s) on which this Privacy Policy is linked (collectively, “Sites”) and any transactions, interactions, or other engagements you might have with us both online and offline (collectively, “Services”).

Please carefully read this Privacy Policy, which is part of our Terms of Use, before using our Sites and/or Services. If you do not agree with this Privacy Policy, you must refrain from using our Sites and/or Services. By accessing or using our Sites and/or Services you agree to our use of your information consistent with this Privacy Policy.

Information We Collect

Personal Information

We may collect information that personally identifies, relates to, describes, or is capable of being associated with you (“Personal Information”), including:

  • Personal identifiers and contact information such as name, mailing address, zip code, email address, phone number, and driver’s license;
  • Commercial information such as payment card or bank account information, household income, automobile make and model, driving record and history, whether you own or rent a property, dwelling age, size and type, records of home improvement, and other purchasing or consumer histories or tendencies;
  • Geolocation information such as non-precise geographic location indicators from mobile devices, websites, service addresses, and signed contracts;
  • Audio, electronic, visual, thermal, olfactory, or similar information such as call recordings, chat transcripts, and email correspondence;
  • Internet & network information such as browsing/search history, IP address, data collected by cookies and similar technologies, device specifications such as device IDs, specifications, and operating system;
  • Professional/employment information such as business name, entity type, occupation, and job title;
  • Inferences drawn from other Personal Information or data that relate to your preferences, interests, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

The types of Personal Information we collect about you may vary based on how you use our Sites and/or Services and your relationship with us.

Business Information

We also collect information about businesses and their representatives that engage with us such as EIN, TIN, address, phone number, email address, and bank account information (collectively, “Business Information”). This information is generally not considered Personal Information because it relates to a business. If such Business Information relates to a business contact person, we will treat it as Personal Information.

Usage Data and Site Activity

We automatically collect information in connection with the actions you take on our Sites (“Usage Data”). For example, each time you use our Sites, we automatically collect the type of web browser you use, the type of device you use, your device ID, your operating system and version, your IP address, your internet service provider, the pages you view, referring and exit pages, the date and time of your visit, and the number of clicks to, from, and within our Sites, and the duration of your visits to our Sites. If the data we automatically collect is capable of being associated with you, directly or indirectly, we treat it as Personal Information. If this information is not capable of being individually associated with you, we treat it as Usage Data.

Communication Recordings

We may record calls and retain the content of written/electronic communications between you and us. By communicating with us, you consent to our recording and retention of communications.

Aggregated or De-Identified Data

We may aggregate or de-identify Personal Information we collect for any purpose, including statistical or demographic purposes. Aggregated or de-identified information does not contain Personal Information. However, if we combine or connect this information with your Personal Information so that it can directly or indirectly identify you, we treat the combined data as Personal Information which will be used in accordance with this Policy.

How We Collect Information

Voluntary Disclosure From You

We may ask you to provide us with Personal Information when you communicate with us (online or offline), when you purchase products or services from us, and at other times. You are not required to provide us your Personal Information; however, if you choose not to provide the requested information, you may not be able to use some or all of the features of our Sites or Services or we may not be able to fulfill your requested interaction.

Third-Party Data Sources

We may collect Personal Information from third-party data sources such as such as marketing and sales agencies or partners, analytics firms, government agencies, and other customers or consumers.

Cookies and Automated Tools

We and third parties use cookies (small text files placed on your computer to identify your computer and browser) and other automated tools such as pixels and clear gifs (collectively, “cookies”) to track your interaction with our Sites and to improve the experience of our Sites and Services, such as saving your preferences from visit to visit to present you with a customized version of the Sites and tracking certain aspects about a user’s visit or engagement with an email or other communications. Many web browsers are initially set up to accept cookies. You can reset your web browser to refuse all cookies or to indicate when a cookie is being sent. However, certain features of our Sites may not work if you delete or disable cookies.

We use the following types of cookies:

  • Strictly Necessary:These cookies are essential to operate the Sites and provide you with services you have requested.
  • Functional:These cookies enable certain features or non-essential functionality on our Sites. For example, we might use these cookies to recognize you and remember your preferences or settings when you return to our Sites so we can provide you with a more personalized experience.
  • Advertising Cookies:These cookies allow us and third parties to learn more about you, including your use of our Sites and other websites, and to advertise products or services that might interest you as further indicated below.
  • Analytics Cookies:These cookies help us, and third parties understand how our Sites are working and who is visiting our Sites.

User activity information may be associated with additional information about a user’s session and Personal Information, if provided by the user.

You can opt-out of certain types of cookies and other tracking tools by clicking the cookie settings icon at the bottom of applicable Sites.

If you arrive at our Sites by “clicking through” from another website, then certain information about you that you provided to that other website, such as the terms you searched that led you to our Sites, may be transmitted to us and we may use it. You should review the Privacy Policy of any website from which you reached our Sites to determine what information the operator collects and how it uses such information. We may retain information about you provided to us by other websites and will use it in accordance with this Privacy Policy. Such information may be associated with other Usage Data or Personal Information.

Targeted and Cross-Context Behavioral Advertising

We may work with third-party advertisers, search providers, social media companies, and ad networks (collectively, “Ad Networks”) to learn more about you and show you ads or other content that we believe would be relevant to you. Advertisers may collect and use information about your use of our Sites or Services as well as other websites and services. These companies may use cookies and other online tracking technologies to collect and use your information. We and/or Ad Networks may also append other data to the data collected by Ad Networks to create an interest profile of individual users. Our Privacy Policy does not cover any use of information that an Ad Network may collect from you except when the Ad Network acts as our service provider. Advertisements may be shown via our Sites or on third-party websites.

If you do not want to receive interest-based advertising, please visit the Digital Advertising Alliance (DAA) Consumer Choice Page. The DAA website allows you to opt-out of one or more interest-based advertising networks. Opt-outs are device and browser specific; therefore, you must set your opt-out preferences for each device and browser. Deleting browser cookies can remove your opt-out preferences; however, the DAA offers browser extensions that help preserve the opt-out preferences you set on the DAA's Consumer Choice Page. Please note that opt-outs only apply to interest-based advertising from participating Ad Networks. You may still receive other types of online advertising.

Google Analytics

One tool we use is Google Analytics. For more information about Google Analytics, including how it collects and processes Personal Information and Usage Data, please review Google’s Safeguarding Your Data disclosure.

Information from Advertisements

If you arrive at our Sites via an advertisement (e.g., banner ad), we may collect information regarding the advertisement with which you interacted and your interactions (e.g., item clicked, date and time).

Surveys

From time to time, we may request Personal Information from consumers via surveys. Participation in these surveys is completely voluntary and you have a choice whether or not to disclose Personal Information. The requested information typically includes personal identifiers and contact information.

How We Use and Share Information

Generally

We may use Personal Information for business purposes, such as to:

  • Fulfilling customer requests and support : to provide goods or services, keep customers informed about the status of their services, respond to questions and address customer concerns, and provide announcements and other information;
  • Marketing and market research : to send communications, surveys, and offers for our or third parties’ products and services, including offers based on consumers’ interests, personal and business characteristics, and location, perform analytics for market and consumer research, trend analysis, financial analysis, and anonymization of personal information;
  • Website use and analytics : to provide you with access to and use of our Sites and Services, analyze consumers’ use of our websites, including the use of third-party web analytics services, which may utilize automated technologies to collect data;
  • Product research : to conduct research and analysis for maintaining, protecting, and developing services, increase and maintain the safety of our products and services, and prevent misuse;
  • Business operations : to evaluate, develop, and improve business operations, products and services offered, perform business administration and other normal business activities; and
  • Compliance : to comply with applicable legal requirements, industry standards, contractual obligations, our policies, and take actions that we deem necessary to preserve and enforce our rights and the rights of others.

We may also use Personal Information as described to you at the point of collection, with your consent, or as otherwise required or permitted by applicable laws.

Service Providers

We may provide your Personal Information to other businesses (“Service Providers”) to provide services to us or on our behalf. Categories of service providers we use include:

  • Fulfillment and account servicing vendors , which help us provide products, services, and information to you and service your account;
  • Payment processors , which help us to accept and process the payments for our products/services;
  • Marketing and communications vendors , which help us market our products/services to you and other outreach campaigns;
  • Research and development vendors , which help us develop and improve our products and services;
  • Data and business analytics vendors, which help us collect, analyze, and improve the accuracy of our data (including Personal Information);
  • IT and network administration vendors , which provide services such as data storage and management, website hosting, and data security;
  • Professional service firms , which provide accounting, legal and other professional services; and
  • General service providers , which help us with day-to-day business operations such as office support services, courier services, facilities management, and document destruction.

Each Service Provider is expected to use reasonable security measures appropriate to the nature of the information involved to protect your Personal Information from unauthorized access, use, or disclosure.

Third-Party Sharing/Selling

We may share (for cross-context behavioral advertising) or sell your Personal Information with other companies who do not provide services to us.

Reviews and Testimonials

If you provide a review or testimonial, we may post it publicly on our Sites or in other advertising material. By providing a testimonial, you give us permission to use it in any manner and for any purpose, including in marketing and advertising communications.

Other Important Privacy Provisions

Security

We recognize the importance of safeguarding the confidentiality of Personal Information from loss, misuse, or alteration. Accordingly, we employ commercially reasonable administrative, technical, and physical safeguards to protect Personal Information from unauthorized access, disclosure, and use. Even with these safeguards, no data transmission over the Internet or other network can be guaranteed 100% secure. As a result, while we strive to protect information transmitted on or through our Sites or Services, you do so at your own risk.

Compliance with Laws and Law Enforcement

We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose Personal Information and any other information about you to government or law enforcement officials or private parties if, in our discretion, we believe it is necessary or appropriate to respond to legal requests (including court orders, investigative demands and subpoenas), to protect the safety, property, or rights of ourselves, consumers, or any other third party, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with law.

Other Transfers

We may share Personal Information and Usage Data with businesses controlling, controlled by, or under common control with us. If we are merged, acquired or sold, or in the event of a transfer of some or all of our assets, we may disclose or transfer Personal Information and Usage Data in connection with such transaction.

Links and Other Websites

Our Sites may contain links to third party websites, including social media platforms. Please be aware that if you access these links, you will be leaving our site. We encourage users to read the privacy policies of those sites, as we are not responsible for their content, links, or privacy procedures.

Updates

We may update this Privacy Policy in the future and will post any updates on our Sites. Updates are effective immediately upon posting. If you use our Sites or Services after the update, you are agreeing to the updated Privacy Policy.

Children’s Privacy

Our Sites and Services are not intended for children under the age of 18 and we do not knowingly collect Personal Information from children under the age of 18. If we become aware that we have inadvertently received Personal Information from a child under the age of 18, we will delete such information from our records.

Contact Us

If you have any questions about this Privacy Policy, please contact us by telephone at 1-888-788-7930 or our Contact Us form.