Effective Date: December 29, 2025
Last Updated: December 29, 2025
This Privacy Policy explains how J&R Financial (“we,” “us,” “our”) collects, uses, shares, and protects your information when you submit a Jotform form requesting information about mortgage protection insurance (the “Services”).
1) Information We Collect
When you submit our form, we may collect:
Contact information: name, phone number, email address, mailing address
Basic personal details: date of birth/age and other information you provide
Insurance-related details: name, email, and address to help us align you with insurance carriers you are eligible for
Technical information: form submission metadata such as device type, browser, IP address, and timestamps
2) How We Use Your Information
We use the information you submit to:
Respond to your request and communicate with you by phone, text (SMS), email, and/or mail
Provide quotes, compare coverage options, and help you apply for insurance
Verify information, prevent fraud, and maintain compliance
Maintain internal records and improve our processes and customer experience
3) Text Messages, Calls, and Consent
By submitting your information, you authorize J&R Financial (and licensed agents/representatives working on our behalf) to contact you at the phone number and email provided regarding your request, including via:
SMS/text messages
Calls using an autodialer or automated system, and/or
Pre-recorded messages (where permitted)
Message frequency may vary. Message and data rates may apply.
You can opt out of SMS at any time by replying STOP. For help, reply HELP.
Your consent is not a condition of purchase.
4) How We Share Your Information
We may share your information only as needed to fulfill your request and operate our business, including with:
Licensed insurance agents/representatives who assist you
Insurance carriers and underwriting partners to provide quotes, determine eligibility, issue coverage, and service policies
Service providers that support our operations (CRM, scheduling tools, call/text platforms, analytics, and secure storage)
We do not sell your personal information for money.
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.
5) Data Retention
We retain your information only as long as necessary to:
respond to your request,
provide services you request,
meet legal, regulatory, and licensing obligations, and
maintain appropriate business records.
6) Your Choices and Rights
Depending on your state, you may request to:
access the personal information we have about you
correct inaccurate information
delete certain information (subject to legal/recordkeeping requirements)
opt out of marketing communications
To make a request, contact us using the information below.
7) Security
We use reasonable safeguards to protect your information. No method of transmission or storage is 100% secure.
8) Children’s Privacy
Our Services are not intended for children under 13 (or under 16 where applicable). We do not knowingly collect information from minors.
9) Contact Us
J&R Financial
Email: [email protected]
Phone: 703-340-0063
10) Updates to This Policy
We may update this policy from time to time. The “Last Updated” date reflects the current version. Continued use of the Services means you accept the updated policy.