This Privacy Policy outlines how our Company collects, uses, and discloses your information when you access or use our services. It also informs you of your privacy rights and the ways in which legal protections apply to you.

By using our services, you agree to the collection and utilization of your data as described in this policy. We handle your personal information to operate and enhance the services we provide.

Interpretation and Definitions

Interpretation

Words that begin with a capital letter have meanings as defined below. These definitions apply whether terms appear in singular or plural form.

Definitions For this Privacy Policy:

"Account" refers to the unique profile created for you to access our services.

"Business" under the California Consumer Privacy Act ("CCPA") is defined as the legal entity that collects and determines the use of personal data from consumers in California.

"Company" (also referred to as "we", "us", or "our") means Jonathan Barajas, located at 14721 Triadelphia Rd, along with all its affiliated and parent entities. "Consumer" under CCPA means a resident of California, as defined by law.

"Cookies" are small data files stored on your device to help improve your web experience.

"Country" refers to the United States.

"Device" means any tool capable of accessing the service, such as a smartphone, computer, or tablet. "Do Not Track (DNT)" refers to a user setting that prevents tracking across websites.

"Personal Data" is identifiable information related to an individual. Under CCPA, it includes information that can reasonably be linked to a person.

"Sale" under CCPA includes any transfer of personal data for financial or other valuable consideration.

"Service" refers to our website and the offering of life insurance and related services from our affiliated carriers. "Service Provider" means any third party that processes data on behalf of the Company.

"Third-party Social Media Service" refers to any platform through which users can log in or interact with the service.

"Website" is the site located at https://jonathanbarajas.com.

"You" indicates the person or entity accessing the service.

Collection and Use of Personal Data

Types of Information Collected

Personal Data

We may request specific information to identify or contact you, such as:

Name

Email address

Phone number

Mailing address

Date of birth

Health history

Insurance preferences

Usage Data Collected automatically, usage data may include:

IP address

Browser type and version

Pages visited

Time spent

Device information

When accessed via mobile, additional data like device ID, mobile OS, and browser type may also be collected.

Tracking Tools and Cookies Cookies and similar tools are used to monitor service usage and enhance user experience.

You can set your browser to refuse cookies, but this may affect service functionality. Cookies can be either persistent or session-based.

Types of Cookies:

Essential: Required for core functionality

Acceptance: Tracks cookie consent

Functionality: Remembers user settings

Use of Personal Information We use your data to:

Operate and maintain the service

Manage user accounts

Fulfill contracts or service requests

Communicate updates and offers

Provide customer support

Sharing of Information We may share personal data:

With service providers for operational support

During business transfers (e.g., mergers or acquisitions)With affiliates and business partners

In public forums or third-party integrations (e.g., social media)

Note: SMS opt-in data is not shared with third parties, except for messaging providers.

Data Retention We retain your data only as long as needed for legal or operational purposes. Usage data is generally stored for shorter durations unless needed for analytics or security.

Data Transfers Your information may be transferred across jurisdictions. By using our services, you agree to these transfers. We ensure adequate safeguards are in place.

Disclosures We may disclose personal data:

As part of a corporate transaction

To comply with legal obligations

To protect users and enforce policies

We apply reasonable safeguards to protect your data. However, no method of transmission or storage is 100% secure.

Your Rights under CCPA California residents have the following rights:

Notice of data collection

Access to personal data and disclosures

Opt-out of data sale

Request deletion

Equal service without discrimination

To exercise these rights, contact us through the methods listed on our site. We respond to valid requests within 45 days, with a possible extension of an additional 45 days.

Do Not Sell My Information We do not sell your data except as permitted with service providers. You may opt out via our contact page or device settings.

Do Not Track Signals Our service does not currently respond to DNT browser settings.

Rights for Minors California residents under 18 may request removal of posted content by contacting us with their account email.

Third-Party Links Our website may link to external sites. We are not responsible for their content or privacy practices.

Updates to This Policy We may revise this policy periodically. Updates will be posted on this page with a revised effective date. We may also notify you via email or website banner.

Contact If you have questions or requests, please reach us at:

Address: 14721 Triadelphia Rd
Email: [email protected]