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
These Terms of Service govern your use of the website and services provided by CJ Financial, a limited liability company with its principal place of business at 15 Josta Pl, Sacramento, CA 95835, operating under the trade name PrimeTimeLeads.
CJ Financial is operated by Casey Jarratt, Sole Member (EIN: 92-0670350). Our business connects consumers who have expressed interest in life insurance and final expense insurance products with licensed insurance professionals. We provide life insurance lead follow-up, appointment scheduling, and insurance inquiry management services.
By accessing our website, submitting any form, or providing your phone number and opting in to receive communications from CJ Financial, you agree to be bound by these Terms of Service and our Privacy Policy.
If you do not agree to these terms, please do not use our website or submit your contact information. Your continued use of our services following any updates constitutes your acceptance of the revised terms.
CJ Financial (DBA PrimeTimeLeads) provides the following services:
Life insurance and final expense insurance inquiry management
Insurance appointment scheduling and confirmation services
SMS and email follow-up communications related to insurance inquiries
Connection services between consumers interested in life insurance and licensed agents
All SMS communications are sent based on your explicit opt-in selections at the time of form submission.
CJ Financial provides SMS text messaging services to users who have opted in through our website. By opting in, you agree to receive text messages at the phone number you provide. There are two types of messages:
Checkbox 1 — Non-Marketing Messages
When you opt in, you consent to receive non-marketing text messages from CJ Financial related to:
Appointment confirmation and reminders for insurance consultations
Rescheduling notifications if appointment times need to be adjusted
Post-service follow-up messages regarding your insurance inquiry
Account and service information relevant to your inquiry
Checkbox 2 — Marketing Messages
If you additionally opt in to marketing messages, you consent to receive promotional text messages from CJ Financial, including:
Promotional discounts and special offers on insurance services
New service announcements
Customer loyalty rewards and referral incentives
Re-engagement promotions
Both consent checkboxes are completely optional and are never pre-checked. You may submit a form without selecting either checkbox and will not receive SMS messages unless you opt in.
You can cancel the SMS service at any time. Just text STOP to (310) 571-8506. After you send the SMS message STOP to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at:
Phone: (310) 571-8506
Email: [email protected]
Carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to the terms and conditions of your wireless carrier and may not be available in all areas. CJ Financial is not responsible for delays or failures in message delivery caused by your wireless carrier, network outages, or other factors outside our control.
Message frequency may vary depending on your consent selections and the nature of your insurance inquiry. As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
If you have any questions regarding privacy, please read our Privacy Policy (included in this document).
By using our website and services, you agree to:
Provide accurate and truthful information when submitting forms or contacting us
Use our services only for lawful purposes and in compliance with all applicable laws
Not attempt to misuse, disrupt, or interfere with our website or messaging systems
Notify us promptly if your phone number changes
Ensure that you are the authorized user or account holder of the phone number you provide
All content on this website is the property of CJ Financial (DBA PrimeTimeLeads) and is protected by applicable intellectual property laws. You may not reproduce, distribute, or modify any content without our express written permission.
To the fullest extent permitted by applicable law, CJ Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website, services, or SMS messaging program.
These Terms of Service shall be governed by and construed in accordance with the laws of the State of California. Any dispute arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Sacramento County, California.
We reserve the right to modify these Terms of Service at any time. Material changes will be posted on this page with an updated Last Updated date. Your continued use of our services after changes are posted constitutes your acceptance of the revised terms.
If you have any questions about these Terms of Service or our SMS messaging program, 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]
SMS Support: Reply HELP to any message or text HELP to (310) 571-8506
We aim to respond to all inquiries within 10 business days.
© 2024-2026 CJ Financial | DBA PrimeTimeLeads | Los Angeles, CA