Business Name: CJ Financial (DBA PrimeTimeLeads)
Authorized Representative: Casey Jarratt, Sole Member
Address: 15 Josta Pl, Sacramento, CA 95835
Phone: (310) 571-8506
Email: [email protected]
Effective Date: April 22, 2026
Last Updated: April 22, 2026
This Privacy Policy applies to CJ Financial, a limited liability company ("Company," "we," "us," or "our"), operating under the trade name PrimeTimeLeads, located at 15 Josta Pl, Sacramento, CA 95835.
CJ Financial provides life insurance lead generation and connection services, helping licensed insurance agents connect with consumers who have expressed interest in life insurance and final expense insurance products. Our business is operated by Casey Jarratt, Sole Member.
By using our website, submitting any form, or communicating with us via SMS, email, or phone, you agree to the terms of this Privacy Policy.
We collect information you voluntarily provide to us, including when you fill out a contact form, opt in to SMS communications, or reach out to us directly. This may include:
Personal Identifiers: Full name, date of birth, mailing address
Contact Information: Phone number, email address
Insurance-Related Details: Policy type of interest, mortgage amount (if applicable), mortgage lender (if applicable)
Communication Preferences: Your SMS and marketing consent selections
We also collect certain technical data automatically when you visit our website, such as IP address, browser type, device type, and pages visited. This data is used solely for internal analytics and site improvement.
We use the information we collect for the following purposes:
To respond to your inquiries and provide requested services
To send SMS messages you have expressly consented to receive, including appointment confirmations, service follow-ups, and promotional offers (based on your opt-in selections)
To improve our website, services, and customer experience
To comply with applicable laws and regulations
To communicate important updates related to your account or inquiry
We will only send you messages that correspond to the consent checkboxes you selected at the time of form submission. We do not send unsolicited communications.
By opting in to receive SMS messages from CJ Financial, you consent to receive text messages at the phone number you provide. You may receive:
Non-Marketing Messages: Appointment confirmations and reminders, rescheduling notifications, post-service follow-ups, and account/service information — sent only if you selected the non-marketing consent checkbox.
Marketing Messages: Promotional discounts, new service announcements, customer loyalty rewards, referral incentives, and re-engagement promotions — sent only if you selected the marketing consent checkbox.
IMPORTANT: 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 used to deliver your messages (e.g., telecommunications carriers).
Message frequency may vary. Message and data rates may apply. To stop receiving messages at any time, reply STOP. For help, reply HELP or contact us at (310) 571-8506.
We do not sell, rent, trade, or otherwise share your personal information — including your phone number and SMS opt-in consent — with third parties or affiliates for marketing or promotional purposes.
We may share your information only in the following limited circumstances:
Service Providers: Third-party vendors who assist in operating our website or delivering SMS communications. These providers are contractually required to keep your data confidential.
Legal Compliance: When required by law, subpoena, or other legal process.
Business Transfers: In the event of a merger or acquisition, your information may be transferred. You will be notified.
Under no circumstances do we share, sell, or disclose your SMS opt-in data or consent to any third party for their own marketing use.
We implement commercially reasonable safeguards to protect your personal information, including:
Secure encrypted connections (HTTPS) on our website
Restricted access to personal data on a need-to-know basis
Regular reviews of our data collection and storage practices
While we take data security seriously, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security of your information.
Our website may use cookies and similar tracking technologies. The types of cookies we may use include:
Essential Cookies: Required for the website to function properly
Analytics Cookies: Help us understand how visitors interact with our site
Preference Cookies: Remember your settings and preferences
You may disable cookies through your browser settings. We do not use cookies to serve third-party advertising or track you across other websites for marketing purposes.
You have the following rights with respect to your personal information:
Access & Correction: You may request access to the personal information we hold and ask us to correct any inaccuracies.
Deletion: You may request that we delete your personal information, subject to certain legal exceptions.
Opt-Out of SMS: You may opt out of SMS communications at any time by replying STOP to any message or contacting us directly.
Withdraw Consent: Where processing is based on your consent, you may withdraw that consent at any time.
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information promptly.
We reserve the right to update or modify this Privacy Policy at any time. When we make material changes, we will update the Last Updated date at the top of this page and, where appropriate, notify you via email or SMS.
If you have any questions, concerns, or requests related to this Privacy Policy, please contact us:
Business: CJ Financial (DBA PrimeTimeLeads)
Representative: Casey Jarratt
Address: 15 Josta Pl, Sacramento, CA 95835
Phone: (310) 571-8506
Email: [email protected]
We will respond to all privacy-related inquiries within 10 business days.