LegalPrivacy Policy

Last Updated: October 28, 2026

This Privacy Policy describes how MJR Financial & Insurance Services ("MJR Financial," "we," "us," or "our") collects, uses, shares, and protects information about you when you visit mjrinsurance.com (the "Website") or otherwise interact with our services. By using the Website, you agree to the practices described in this Privacy Policy.

Quick Summary. We collect only the information we need to serve you. We do not sell your personal information. We never share your phone number or SMS consent with third parties. You can opt out of communications at any time.

1. Introduction

MJR Financial & Insurance Services provides educational content, consultations, and referrals related to retirement income planning, annuities, life insurance, long-term care insurance, Medicare and senior health coverage, and related insurance planning. This Privacy Policy applies to information we collect through the Website, through forms you submit, through scheduling tools, and through direct communication with you by email, phone, or SMS.

2. Information We Collect

2.1 Information You Provide

We collect information you voluntarily provide when you:

Fill out a contact, intake, or booking form

Schedule a call through our scheduling tool

Subscribe to emails or other communications

Correspond with us by email, phone, text, or social media

This may include: name, email address, phone number, mailing address, employment and income information, household size, goals and concerns related to retirement, insurance and Medicare planning, and any other information you choose to share.

2.2 Information Collected Automatically

When you visit the Website, we and our service providers may automatically collect certain information, including:

IP address and approximate location

Browser type, operating system, and device information

Pages viewed, time on page, referral source, and clickstream data

Unique identifiers and cookie data

2.3 Information From Third Parties

We may receive information about you from third parties such as analytics providers and publicly available sources. We use this information to improve our Website and better understand our audience.

3. How We Use Information

We use the information we collect to:

Respond to inquiries and provide consultations

Schedule and confirm calls and appointments

Send appointment reminders, follow-ups, and related communications

Improve our Website, content, and services

Detect, prevent, and address technical issues, fraud, and abuse

Comply with legal obligations and enforce our Terms of Service

4. SMS Messaging Program

TCPA & A2P 10DLC Compliance Statement

You consent to receive text messages from MJR Financial & Insurance Services only when you affirmatively check the SMS consent box on one of our forms. The SMS consent box is unchecked by default.

4.1 What Messages You May Receive

SMS messages from MJR Financial & Insurance Services may include:

Transactional messages only: appointment confirmations and reminders, and follow-ups about a call you booked or a book you requested

4.2 Message Frequency

Message frequency varies.

4.3 Message & Data Rates

Message and data rates may apply. Standard carrier charges for text messages and data usage may be billed to you by your mobile carrier. MJR Financial & Insurance Services is not responsible for any such charges.

4.4 How To Opt Out

You can opt out of SMS messages at any time by:

Replying STOP to any text message we send you

Emailing us at maartin@mjrinsurance.com with the subject line "SMS Opt Out"

After you opt out, you will receive a confirmation message and will not receive further SMS communications from us (except as necessary to confirm your opt-out). You may still receive communications through other channels such as email or phone unless you opt out of those separately.

4.5 How To Get Help

Reply HELP to any of our text messages for assistance, or email us at maartin@mjrinsurance.com.

4.6 Supported Carriers

Our SMS program is available on all major U.S. wireless carriers, including AT&T, Verizon, T-Mobile, Sprint, and others. Wireless carriers are not liable for delayed or undelivered messages.

By opting in, you confirm you are at least 18 years old and that the number you provide belongs to you.

5. How We Share Information

We share information only in the following limited circumstances:

5.1 Service Providers

We share information with trusted third-party service providers who help us operate our business — including CRM and scheduling platforms (such as HighLevel), email providers, SMS delivery providers, hosting providers, analytics providers, and payment processors. These providers are contractually obligated to use your information only to perform services for us.

5.2 Licensed Professionals & Partners

If, as part of providing services to you, we refer you to a licensed insurance agent, tax professional, attorney, or other financial professional, we may share relevant information with that professional — only with your knowledge and for the purpose of serving you.

This sharing excludes your phone number and SMS consent data.

5.3 Legal Obligations

We may disclose information if required by law, subpoena, court order, or other legal process, or to protect the rights, property, or safety of MJR Financial & Insurance Services, our clients, or others.

5.4 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and any resulting changes to this Privacy Policy.

6. No Sale Of Personal Information Or SMS Data

We do not sell your personal information to third parties.

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

7. Cookies And Tracking Technologies

We and our service providers use cookies, pixels, and similar technologies to operate the Website, remember your preferences, analyze traffic, and support marketing. You can control cookies through your browser settings. Disabling cookies may affect Website functionality.

We may use analytics tools such as Google Analytics and advertising pixels such as Meta Pixel or LinkedIn Insight Tag. These tools collect information about your use of the Website and may combine it with information from other sources. You can opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-on.

We use Google Analytics to understand how visitors use the Website. Learn how Google uses information from sites that use its services, or install the Google Analytics opt-out add-on.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect the information we collect. However, no system is completely secure. We cannot guarantee the absolute security of your information, and you transmit information to us at your own risk. Promptly notify us at maartin@mjrinsurance.com if you suspect unauthorized access to your account or information.

9. Data Retention

We retain personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we securely delete or anonymize it. Specific retention periods vary based on the type of information and applicable legal requirements.

10. Your Rights

Depending on where you live, you may have certain rights regarding your personal information, including:

The right to access information we hold about you

The right to request correction of inaccurate information

The right to request deletion of your information

The right to opt out of communications

The right to opt out of certain sharing of your information

The right to data portability

To exercise any of these rights, email us at maartin@mjrinsurance.com. We will respond within the timeframe required by applicable law. We may need to verify your identity before fulfilling certain requests.

11. California Residents

If you are a California resident, the California Consumer Privacy Act (CCPA) gives you additional rights, including the right to know what personal information we collect, the right to request deletion, the right to opt out of the "sale" of personal information (we do not sell), and the right not to be discriminated against for exercising your rights. To exercise these rights, email maartin@mjrinsurance.com.

12. Children's Privacy

The Website is not directed to children under 18, and we do not knowingly collect information from children under 18. If you believe a child has provided us with personal information, please contact us at maartin@mjrinsurance.com and we will take steps to delete it.

13. Third-Party Sites

The Website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review the privacy policies of any third-party service you interact with.

14. Changes To This Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top reflects the most recent version. Material changes will be communicated by posting an updated version on this page and, where appropriate, by other means. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Policy.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, contact us at:

MJR Financial & Insurance Services

Attn: Privacy

Email: maartin@mjrinsurance.com

Website: mjrinsurance.com