Privacy Policy for JOZ FINANCIAL GROUP CHRISTOPHER ORTIZ SOLE MBR
Effective Date: January 1, 2026
Welcome to JOZ FINANCIAL GROUP CHRISTOPHER ORTIZ SOLE MBR (the "Company," "we," "us," or "our"). Your privacy is critically important to us. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you engage with our services, including life insurance, Indexed Universal Life (IUL) policies, and other related offerings.
By using our services or visiting our website, you agree to the terms of this Privacy Policy. If you do not agree, please refrain from using our services.
1. Information We Collect
a. Personal Information
We may collect personal information you voluntarily provide to us, including but not limited to:
Full Name
Email Address
Phone Number
Date of Birth
Payment Information (for policy payments or service fees)
Health and Financial Information (as necessary for insurance applications)
User-generated content, inquiries, and feedback
b. Non-Personal Information
We automatically collect certain technical and usage data when you interact with our website or digital services, such as:
IP Address
Browser Type and Version
Device Information
Operating System
Referring Website
Pages Viewed and Time Spent on the Site
c. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your browsing experience, personalize content, and analyze site usage. You can manage your cookie preferences through your browser settings.
2. How We Use Your Information
We use the information we collect for purposes including:
To provide and manage our insurance products and financial services
To process applications, transactions, and payments
To personalize your experience and provide content relevant to your interests
To communicate with you regarding your account, policies, and inquiries
To send service updates and transactional communications (you may opt out anytime)
To analyze service usage and improve our offerings
To enforce our terms, comply with regulations, and fulfill legal obligations
3. SMS and Text Messaging Data
How We Collect SMS Consent
We collect consent to send text messages when you voluntarily check the consent checkbox on our website forms. This checkbox is optional and clearly states the types of messages you will receive, message frequency, and your right to opt out at any time.
When you opt in, we collect and store:
- Your phone number
- The date and time of your consent
- The specific consent language you agreed to
- The type of messages you consented to receive (non-marketing/transactional only)
How We Use SMS Data
We use your phone number and consent information solely to send you transactional text messages you explicitly agreed to receive, such as:
- Appointment confirmations and reminders
- Account updates and policy information
- Service-related notifications
- Billing and payment notifications
- Other non-promotional communications related to your insurance and financial services
All messages are transactional in nature. We do not send promotional or marketing text messages.
SMS Data Sharing and Privacy
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted.
All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Text messaging originator opt-in data and consent will not be shared with any third parties, except for aggregators and providers of the Text Message services.
Your SMS Rights
You have the right to:
- Opt out at any time by replying STOP to any text message
- Request help by replying HELP to any text message
- Update your contact preferences by contacting us directly
- Request deletion of your SMS consent records
4. How We Share Your Information
WE DO NOT SELL YOUR DATA
We do not sell your personal information. We do not share customer opt-in information with affiliates or third parties for marketing purposes. However, we may share limited information in the following situations:
With Service Providers: Trusted third-party vendors who assist with essential business operations, such as payment processing, insurance underwriting, customer service, and IT support. These providers are contractually obligated to protect your data and use it only for authorized purposes.
Legal Compliance: When required by law or to protect our rights, customers, and property.
Business Transfers: In the event of a company merger, acquisition, or sale of assets, certain business information may be transferred. However, text messaging originator opt-in data and consent will not be shared or transferred under any circumstances.
5. Your Privacy Choices
Access & Update: You may request access to or updates of your personal information by contacting us.
Opt-Out: You can unsubscribe from promotional emails by clicking the unsubscribe link or contacting us directly.
Cookies: Manage or disable cookies through your browser settings.
6. Data Security
We use reasonable administrative, technical, and physical security measures to protect your personal information. While we strive to safeguard your data, no method of online transmission or storage is entirely secure.
7. Third-Party Links
Our website or communications may include links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.
8. Children’s Privacy
Our services are not intended for individuals under 13 years of age. We do not knowingly collect personal information from children. If we discover we have collected information from a minor, we will promptly delete it.
9. Changes to This Privacy Policy
We reserve the right to modify this Privacy Policy at any time. Updates will be posted to this page with a revised effective date. Please review it periodically to stay informed.
10. Contact Us
For any questions or concerns about this Privacy Policy or your personal data, please contact us:
Email: [email protected]
Address: 8922 EASTCOVE CIR HOUSTON TEXAS
Phone: +1 832-589-5919