Name, email address, phone number, postal address.
Sensitive financial identifiers (if relevant to providing insurance services).
Mobile number used for two-way, conversational messages.
OTPs or codes received from financial institutions.
Records of opt‑in and opt‑out consent, messaging timestamps, and message content (excluding content generated by third-party OTPs).
IP addresses, browser/device type, cookies, website interactions, and analytics.
Insurance Services: Provide quotes, onboarding, case updates, and general communication.
A2P Texting: Assist with conversational SMS to clients—sharing case updates, receiving OTPs, etc.
Operational Purposes: Administration, internal analytics, improvements to services.
Legal Compliance: Adhere to regulatory requirements and respond to legitimate legal processes.
One-on-One Texts Only: We use SMS strictly for individualized, conversational messages. We do not engage in mass SMS or marketing campaigns.
Consent & Opt‑In: We collect explicit consent before sending SMS messages. At the point of phone number collection (e.g., web form or client intake), we display clear opt‑in language including:
Identification of our firm.
Purpose of messaging.
Notification that message/data rates may apply.
Opt‑out instructions (e.g., “Text STOP to [number] to unsubscribe”).
Links to this Privacy Policy and Terms of Service.
Opt‑Out & Help: Users can:
Text STOP to unsubscribe; we’ll send a confirmation and cease messaging.
Text HELP or contact us via email/phone for assistance.
No Marketing Share: We do not share or sell your mobile number, opt‑in consent data, or any SMS-related information with third parties for marketing/promotional purposes. Data may be shared only with service providers or subcontractors on a confidential basis to support operations.
Message frequency may vary. Standard message and data rates may apply depending on your carrier.
Service Providers: Entities assisting in services (e.g., IT support, messaging infrastructure).
Legal Obligations: Compliance with court orders, laws, or protection of rights.
Business Transfers: If FNJ Insurance merges or is acquired, your data remains protected under prior policy terms.
Access or correct your personal data.
Request data deletion (subject to legal limitations).
Withdraw consent for SMS/messaging. (Note: Opt‑out proceeds immediately.)