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J&N Financial Services

Your privacy is important to us. It is J&N Financial Services’ policy to respect your privacy and comply with any applicable law and regulation regarding any personal information we may collect about you, including across our website, https://www.jnfservices.com/, and other sites we own and operate.

Personal information is any information about you that can be used to identify you. This includes information about you as a person (such as name, address, and date of birth), your devices, payment details, and even information about how you use a website or online service.

In the event our site contains links to third-party sites and services, please be aware that those sites and services have their own privacy policies. After following a link to any third-party content, you should read their posted privacy policy information about how they collect and use personal information. This Privacy Policy does not apply to any of your activities after you leave our site.

This policy is effective as of 19 January 2026.
Last updated: 19 January 2026

1. Information We Collect

Information we collect falls into one of two categories: “voluntarily provided” information and “automatically collected” information.

  • “Voluntarily provided” information refers to any information you knowingly and actively provide us when using or participating in any of our services and promotions.
  • “Automatically collected” information refers to any information automatically sent by your devices in the course of accessing our products and services.

Log Data

When you visit our website, our servers may automatically log the standard data provided by your web browser. It may include your device’s Internet Protocol (IP) address, your browser type and version, the pages you visit, the time and date of your visit, the time spent on each page, and other details about your visit.

Additionally, if you encounter certain errors while using the site, we may automatically collect data about the error and the circumstances surrounding its occurrence. This data may include technical details about your device, what you were trying to do when the error happened, and other technical information relating to the problem.

Device Data

When you visit our website or interact with our services, we may automatically collect data about your device, such as:

  • Device Type
  • Operating System
  • Unique Device Identifiers
  • Device Settings
  • Geo-location Data

The data we collect can depend on the individual settings of your device and software. We recommend checking the policies of your device manufacturer or software provider to learn what information they make available to us.

Personal Information

We may ask for personal information, for example, when you submit content to us or when you contact us, which may include one or more of the following:

  • Name
  • Email
  • Date of Birth
  • Phone/Mobile Number
  • Home/Mailing Address
  • Social Security Number (for policy applications)
  • Financial information (for service provision)

User-Generated Content

We consider “user-generated content” to be materials (text, image, and/or video content) voluntarily supplied to us by our users for the purpose of publication on our website or re-publishing on our social media channels. All user-generated content is associated with the account or email address used to submit the materials.

2. Legitimate Reasons for Processing Your Personal Information

We only collect and use your personal information when we have a legitimate reason for doing so. In which instance, we only collect personal information that is reasonably necessary to provide our services to you.

3. Collection and Use of Information

We may collect personal information from you when you do any of the following on our website:

  • Use a mobile device or web browser to access our content
  • Contact us via email, social media, phone, or any similar technologies
  • Opt-in to receive SMS/text messages from us
  • Request a quote or consultation
  • Submit forms for financial services

We may collect, hold, use, and disclose information for the following purposes, and personal information will not be further processed in a manner that is incompatible with these purposes:

  • To provide you with our platform’s core features and services
  • To enable you to customize or personalize your experience of our website
  • To contact and communicate with you (via email, phone, or SMS)
  • To deliver financial planning and insurance services
  • For analytics, market research, and business development
  • For advertising and marketing, including sending you promotional information about our products and services
  • To comply with our legal obligations and resolve any disputes that we may have
  • For security and fraud prevention
  • To process insurance applications and policy management

4. SMS/Text Messaging (TCPA & A2P 10DLC Compliance)

By providing your mobile phone number and opting in, you consent to receive calls and text messages (SMS/MMS) from J&N Financial Services, including text messages that may be sent using an automatic telephone dialing system. Consent to receive text messages is not a condition of any purchase or service.

  • Frequency: Message frequency varies based on your interactions with us and the services you have requested (e.g., policy updates, appointment reminders).
  • Rates: Message and data rates may apply.
  • Opt-Out (STOP): You can opt out of receiving text messages at any time by replying STOP to any message we send. After you text “STOP,” we may send you one additional message to confirm that you have been unsubscribed. You will no longer receive text messages from that short code or number.
  • Help (HELP): If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at info@jnfservices.com.

Privacy of Mobile Data:

We prioritize the privacy of your mobile data. As outlined in the “Disclosure of Personal Information to Third Parties” section below, text messaging originator opt-in data and consent will not be shared with any third parties for their marketing purposes.

5. Security of Your Personal Information

When we collect and process personal information, and while we retain this information, we will protect it within commercially acceptable means to prevent loss and theft, as well as unauthorized access, disclosure, copying, use, or modification.

Although we will do our best to protect the personal information you provide to us, we advise that no method of electronic transmission or storage is 100% secure, and no one can guarantee absolute data security.

6. How Long Do We Keep Your Personal Information

We keep your personal information only for as long as we need to. This time period may depend on what we are using your information for, in accordance with this privacy policy. If your personal information is no longer required, we will delete it or make it anonymous.

7. Disclosure of Personal Information to Third Parties

We may disclose personal information to:

  • A parent, subsidiary, or affiliate of our company
  • Third-party service providers for the purpose of enabling them to provide their services, including IT service providers, data storage, hosting, analytics, and payment systems operators
  • Insurance carriers and underwriters
  • Our employees, contractors, and/or related entities
  • Courts, tribunals, regulatory authorities, and law enforcement officers, as required by law

Important Exception regarding Mobile Data (A2P 10DLC):

Notwithstanding the above, no mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

8. International Transfers of Personal Information

The personal information we collect is stored and/or processed in the United States or where we or our partners, affiliates, and third-party providers maintain facilities.

9. Your Rights and Controlling Your Personal Information

Your choice: By providing personal information to us, you understand that we will collect, hold, use, and disclose your personal information in accordance with this privacy policy.

Marketing permission: If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by contacting us or using the opt-out links provided in the communication.

Access and Correction: You may request details of the personal information that we hold about you or ask for corrections if you believe the info is inaccurate.

Non-discrimination: We will not discriminate against you for exercising any of your rights over your personal information.

Unsubscribe: To unsubscribe from our email database or opt out of communications, please contact us using the details provided in this privacy policy, or use the opt-out facilities (e.g., “Unsubscribe” link in emails, or “STOP” via SMS).

10. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

  1. Categories of Personal Information Collected

    In the preceding 12 months, we have collected the following categories of personal information:

    • Identifiers: Name, postal address, email address, IP address, and phone number.
    • Customer Records: Paper and electronic customer records containing personal information, such as name, signature, social security number, and financial information.
    • Commercial Information: Records of services purchased, obtained, or considered.
    • Internet or Other Electronic Network Activity: Browsing history, search history, and information regarding your interaction with our website.
  2. Your Rights Under CCPA
    • Right to Know: You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months.
    • Right to Delete: You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions (e.g., legal retention requirements).
    • Right to Correct: You have the right to request that we correct inaccurate personal information that we maintain about you.
    • Right to Opt-Out of Sale or Sharing: J&N Financial Services does not sell your personal information to third parties. We do not share your personal information with third parties for cross-context behavioral advertising.
    • Right to Limit Use of Sensitive Personal Information: We limit the use of your sensitive personal information (such as SSN or financial data) to that which is necessary to perform the services reasonably expected by an average consumer.
  3. Exercising Your Rights

    To exercise the rights described above, please submit a verifiable consumer request to us by:

  4. Shine the Light

    California Civil Code Section 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us via the contact information provided.

11. Use of Cookies

We use “cookies” to collect information about you and your activity across our site. A cookie is a small piece of data that our website stores on your computer, and accesses each time you visit, so we can understand how you use our site.

12. Business Transfers

If we or our assets are acquired, or in the unlikely event that we go out of business or enter bankruptcy, we would include data, including your personal information, among the assets transferred to any parties who acquire us.

13. Limits of Our Policy

Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and policies of those sites, and cannot accept responsibility or liability for their respective privacy practices.

14. Changes to This Policy

At our discretion, we may change our privacy policy to reflect updates to our business processes, current acceptable practices, or legislative or regulatory changes. If we decide to change this privacy policy, we will post the changes here at the same link by which you are accessing this privacy policy.

15. Contact Us

For any questions or concerns regarding your privacy, you may contact us using the following details:

J&N Financial Services
Phone: 877-966-4245
Email: info@jnfservices.com
Website: https://www.jnfservices.com/