Part A:
General Terms and Conditions
(Privacy Policy is Below - Scroll down)
TERMS AND CONDITIONS OF USE
WELCOME TO PANATLANTIC GLOBAL HOLDINGS
By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions, including any policies incorporated by reference. If you do not agree with these terms, you should not use this website.
KEY DEFINITIONS
PANATLANTIC refers to PanAtlantic Global Holdings, a Nevis-based company, including all its subsidiaries, affiliates, officers, directors, employees, agents, members, investors, executives, and shareholders. USER refers to any person or entity that accesses or uses this website, including those submitting leads or seeking to purchase life insurance. PRODUCTS AND SERVICES refers to all offerings provided by PanAtlantic, including but not limited to life insurance, leads, online courses, and support services. TRANSACTION refers to any interaction, purchase, or exchange of services or products facilitated by PanAtlantic. For purposes of this agreement, a 'transaction' includes any exchange of services, products, or personal data. By submitting your information, you acknowledge that this may constitute a transaction in which your personal data is shared with third-party licensed life insurance agents. DISPUTE RESOLUTION refers to the exclusive process for resolving any disputes as outlined herein, under the jurisdiction of Nevis..
GENERAL DISCLAIMER AND LIMITATION OF LIABILITY
PanAtlantic makes no representations or warranties, either express or implied, regarding the completeness, accuracy, or reliability of the content on this website. All services are provided "as is" and "as available" without any guarantees of any kind. To the fullest extent permissible under law, PanAtlantic, its officers, employees, agents, members, investors, executives, and shareholders shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to loss of profits, revenue, or data, whether arising in contract, tort, or otherwise, even if PanAtlantic has been advised of the possibility of such damages. The total liability of PanAtlantic for any claim arising out of or relating to this Agreement shall not exceed the total amount you have paid to PanAtlantic for the specific service giving rise to the claim.
Additional Clause:
PanAtlantic shall not be held liable for any legal violations or damages, including but not limited to regulatory fines or penalties, that arise from the misuse of leads, personal information, or other data by third-party agents or clients who purchase such leads from PanAtlantic. All third parties purchasing leads are solely responsible for ensuring compliance with applicable federal, state, and international privacy laws, including but not limited to TCPA, CCPA, and GDPR.
INDEMNITY AND HOLD HARMLESS
You agree to indemnify, defend, and hold harmless PanAtlantic, its subsidiaries, affiliates, members, investors, executives, and shareholders from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your breach of this Agreement, your violation of any law or the rights of a third party, or your use of the services provided by PanAtlantic. PanAtlantic reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate fully with PanAtlantic in asserting any available defenses. This indemnity shall survive the termination of this Agreement and your use of the website.
Additional Clause for Third-Party Lead Buyers:
Any third party purchasing leads from PanAtlantic agrees to indemnify, defend, and hold PanAtlantic harmless from any claims, lawsuits, regulatory actions, or penalties that arise from the buyer’s use, handling, or storage of leads, including but not limited to claims arising under the Telephone Consumer Protection Act (TCPA), the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and any other applicable privacy law. This indemnification shall survive the termination of any contractual relationship between PanAtlantic and the lead buyer.
NO AGENCY RELATIONSHIP
Nothing in this Agreement creates any agency, partnership, joint venture, or employment relationship between you and PanAtlantic. You acknowledge that PanAtlantic has no fiduciary duty to you and no responsibility to act on your behalf in any capacity unless explicitly agreed to in writing.
GOVERNING LAW AND JURISDICTION
This Agreement shall be governed exclusively by the laws of Nevis. You irrevocably agree that all disputes arising out of or in connection with this Agreement shall be resolved exclusively in the courts of Nevis. You further agree that you will not bring any action, suit, or proceeding against PanAtlantic in any other jurisdiction. You expressly waive any objections based on the forum being inconvenient or inappropriate (forum non conveniens).
WAIVER OF CLASS ACTIONS, JURY TRIAL, AND EXPANSIVE RELEASE
You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You hereby waive your right to participate in any class action or collective lawsuit against PanAtlantic, its affiliates, vendors, employees, current or past members, managers, shareholders, investors, executives, and Malcolm M.J. Harris, for any matter related to the fulfillment of these services or any other related or unrelated claims. Additionally, you waive any right to a jury trial in any legal proceeding. By agreeing to these terms and conditions, utilizing our services, and/or submitting any information on our websites, you hereby fully and irrevocably release PanAtlantic, its affiliates, vendors, employees, current or past members, managers, shareholders, investors, executives, and Malcolm M.J. Harris from any and all claims, whether related or unrelated, known or unknown, arising from or in connection with your use of our services. This release is intended to cover any and all claims, disputes, or issues that may arise, regardless of their nature.
AUTOMATIC RE-RELEASE OF CLAIMS
By agreeing to these terms and conditions, you acknowledge and agree that, unless you notify PanAtlantic Global Holdings in writing within thirty (30) days prior to the 90-day anniversary of your acceptance of these terms or the start of your use of our services (whichever comes first), you automatically and irrevocably re-release PanAtlantic Global Holdings, its past and present shareholders, employees, vendors, affiliates, subsidiaries, and Malcolm M.J. Harris, as well as Imalico Insurance Agency LLC, from any and all claims, disputes, complaints, or causes of action of any kind, whether known or unknown, arising from or related to your use of our services or your relationship with the company. This re-release shall reset every 90 days thereafter, unless you provide written notice to the contrary within thirty (30) days prior to each subsequent 90-day reset date.
DISPUTE RESOLUTION AND ARBITRATION
Any dispute, controversy, or claim arising out of or relating to this Agreement, including disputes with third-party agents, lead buyers, or affiliates of PanAtlantic, shall be resolved through binding arbitration under the Arbitration and Mediation Act of Nevis. This arbitration agreement extends to all users, buyers of leads, agents, affiliates, and vendors interacting with PanAtlantic’s services. All disputes will be conducted on an individual basis and not in a class, consolidated, or representative action, and all parties expressly waive their right to participate in any class action or collective lawsuit. The arbitration shall take place in Nevis, and the language of the arbitration shall be English. The prevailing party in any arbitration shall be entitled to recover its reasonable attorneys' fees and costs, including the costs of the arbitration, from the non-prevailing party.
ENHANCED PRIVACY AND DATA SECURITY (GDPR, CCPA, AND TCPA COMPLIANCE)
PanAtlantic reserves the right to monitor, collect, and store data related to your use of this website. By using this site, you consent to the collection and use of this data for purposes related to the operation of PanAtlantic's business. PanAtlantic is not liable for any breach of data security that results from unauthorized access to your information, except where such breach is directly caused by PanAtlantic's gross negligence or willful misconduct. PanAtlantic is committed to complying with the General Data Protection Regulation (GDPR), the Telephone Consumer Protection Act (TCPA), and the California Consumer Privacy Act (CCPA). By submitting your information on this website, you acknowledge that you have read and understood our Privacy Policy and agree to the collection, storage, and use of your personal data in accordance with these regulations. If you are a California resident, you have the right to request information about how your data is being used, to request the deletion of your data, or to opt-out of having your data sold. If you wish to exercise these rights, please contact us at
.
OPT-IN AND OPT-OUT PROCEDURES (FOR TCPA, GDPR, AND CCPA)
By submitting your information on this website, you consent to receive phone calls, text messages, and emails from licensed life insurance agents, including auto-dialed or prerecorded calls. You understand that these communications may come from PanAtlantic or third-party agents. To opt-out of text communications, reply 'STOP' to any text message you receive. To opt-out of emails, click the 'UNSUBSCRIBE' link at the bottom of any email. You may also opt out of all communications by visiting our opt-out page at
. Please allow up to 48 hours for opt-out requests to be processed.
ASSIGNMENT OF RIGHTS
PanAtlantic reserves the right to assign its role in this Agreement to any party at any time without prior notice or the need for sign-off from the signer of this Agreement. The protections and obligations under this Agreement shall extend fully to any such assignees.
REFUND POLICY AND LIMITATION OF RECOURSE
All lead purchases are final, and PanAtlantic does not offer refunds under any circumstances. In the event of a dispute regarding the quality or performance of leads, PanAtlantic, at its sole discretion, may offer a store credit or replacement leads. No other remedies will be provided. By purchasing leads, you acknowledge and accept this policy as a condition of sale.
NON-CIRCUMVENTION AND NON-SOLICITATION CLAUSE
All users, agents, and buyers of leads agree not to circumvent PanAtlantic by directly contacting or soliciting leads, prospects, or other business entities obtained through PanAtlantic’s services for their own benefit or for the benefit of any third party. Any breach of this non-circumvention clause will result in immediate termination of services and may subject the breaching party to legal action, including but not limited to claims for liquidated damages.
DATA SECURITY RESPONSIBILITY CLAUSE
All third-party buyers of leads and agents agree to implement and maintain reasonable security measures, including encryption, access control, and security protocols, to protect personal information obtained from PanAtlantic. PanAtlantic is not responsible for any data breaches, losses, or damages that result from a third party’s failure to protect personal information in compliance with applicable law. Any breach of this clause will result in immediate termination of services and may subject the buyer to legal action by PanAtlantic.
FUTURE PROOFING CLAUSE
PanAtlantic reserves the right to update these terms and conditions at any time to reflect changes in applicable law, including but not limited to the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), the Telephone Consumer Protection Act (TCPA), and any future legislation or regulatory requirements. Continued use of our services following the implementation of updated terms constitutes your acceptance of the changes.
FORCE MAJEURE
PanAtlantic shall not be liable for any delay or failure to perform any obligation under this Agreement where the delay or failure results from any cause beyond PanAtlantic’s reasonable control, including, without limitation, acts of God, acts of civil or military authorities, acts of war, riots, embargoes, labor strikes, or other acts or causes of like nature.
CONFIDENTIALITY AND NON-DISPARAGEMENT
You agree to keep all aspects of your relationship with PanAtlantic confidential. This includes, but is not limited to, the terms of this Agreement, business practices, and any proprietary information. Breach of this confidentiality provision will result in substantial penalties. You agree not to make any negative statements or communications, whether oral or written, about PanAtlantic, its subsidiaries, members, investors, executives, or shareholders. Any breach of this non-disparagement clause will result in stipulated damages.
TERMINATION OF AGREEMENT
PanAtlantic reserves the right, in its sole discretion, to terminate your access to the website and any related services or any portion thereof at any time, without notice, if it believes that you have violated these terms or applicable law. Upon termination, all rights granted to you under this Agreement will cease immediately. However, termination will not affect the rights and obligations of the parties that arose prior to the effective date of termination, including the surviving provisions specified in the
Survival
section of this Agreement.
CONSENT TO TERMS, INDEMNIFICATION, AND CONTACT ACKNOWLEDGMENT
By submitting any information on this website or using this website, you agree to the terms and conditions of this website in its entirety and the terms and conditions of PanAtlantic Global Holdings. You acknowledge that PanAtlantic may use third-party companies, such as Imalico Insurance Agency LLC, a Delaware company, to fulfill some of our services. You agree to fully indemnify and hold harmless PanAtlantic, Imalico Insurance Agency LLC, and any other vendors used in the fulfillment of our services, as well as PanAtlantic’s employees, managers, shareholders, investors, executives, and members from any legal claims or liabilities that may arise in connection with these services.
CONTACT INFORMATION
For any questions regarding these terms, please contact us at
.
Part B:
privacy Policy
PRIVACY POLICYINTRODUCTION
We respect the privacy of every User who visits this Website. This Privacy Policy describes how we collect and process personal data collected through our websites, including
,
,
,
,
, and any of our products and services. By using our Products or Services, you agree to our collection and use of data in accordance with this Privacy Policy and the associated Terms and Conditions. If you have any questions or do not agree with this policy, please contact us before using our Services.
DEFINITIONS
PanAtlantic Global Holdings refers to PanAtlantic Global Holdings LLC and its affiliates, including, but not limited to, subsidiary companies such as Imalico Insurance Agency, a registered LLC in Delaware and a registered life insurance agency in the US. Products refers to memberships, subscriptions, leads, insurance, and online courses. Services refers to insurance contracting and sales, leads distribution, and life insurance sales. Users are any persons or entities who access the website. We, Us, or Our refers to PanAtlantic Global Holdings and Imali Sales Services. The Website refers to the website displayed and accessed on the domain
, including any associated applications.
GENERAL APPROACH TO PERSONAL DATA
We are committed to protecting your privacy and personal data. We collect and use personal information solely to fulfill the purposes specified in this Privacy Policy, unless we obtain the User's consent or as required by law. We will retain personal information as long as necessary for the provision of our products and services, maintenance, and related activities. We only collect the data necessary for the specified, legitimate purposes outlined in this Privacy Policy. If we need to use your data for purposes beyond what is specified, we will seek explicit consent.
TYPES OF DATA WE PROCESS
You control the data that you provide to us, and we process your data consistently with the purposes for which you’ve engaged us. You may only send us your own personal data or the information of another data subject where you have their consent. Data we process includes Identity and Contact Data such as your name, email address, and phone number; Bank Account Data such as usernames and access tokens for financial institutions, though we do not store these on our servers; and Interactive Data such as IP addresses, browser type, and clickstream data collected from your activity on our website. We also use cookies to remember users’ settings for authentication purposes, and you can control the use of cookies through your browser settings.
MARKETING & SUPPORT
We may use your personal data to contact you with marketing or promotional materials, provided that if you are a new user, you have opted-in to receive these communications. Existing users may opt-out by following the unsubscribe link or instructions provided in any communication. Any information submitted to our website or company may be used in marketing materials or for other company purposes. This usage may be carried out by our company or assigned to other parties.
HOW WE USE THE INFORMATION WE COLLECT
We may use or process the information we collect about you to deliver, operate, and maintain the Services; provide user support; perform research and analysis about your use of the Services; communicate with you about PanAtlantic’s products or services; enforce our Terms and Conditions; comply with applicable laws and administrative requests, protect our rights, and defend against claims; detect, prevent, or address fraud, security, unlawfulness, or technical issues.
DATA SECURITY
We use commercially reasonable efforts to implement technical, administrative, and physical safeguards to protect your personal data. However, no security system is perfect, and we cannot guarantee its absolute security. You are responsible for the security of your credentials and any activities that occur under your account.
DATA TRANSFER AND RETENTION
When you provide personal data through our website and Services, the data may be transferred and stored on servers located outside of the Nation of Nevis. In accordance with applicable laws, including GDPR, if your data is transferred to or stored in countries outside of the European Economic Area (EEA), we will ensure that appropriate safeguards are in place to protect your personal data. This includes the use of Standard Contractual Clauses or ensuring that the data recipient is certified under an appropriate data protection framework. We will retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy or as required by law.
ACCESS AND DELETION
If you use our products or services, you can delete your personal data and close your account by contacting our support team at
. Upon termination of your services, we will delete your personal financial and transaction data, but may retain certain information for recordkeeping and legal purposes. To submit a Data Subject Access Request (DSAR) under GDPR or CCPA, please contact our Data Protection Officer at
. We will respond to your request within 30 days, in compliance with applicable law.
SHARING DATA
We may share your personal data with trusted third-party service providers, contractors, and business partners for the purposes of providing and improving our services. All third parties with whom we share data are contractually obligated to protect your personal information in accordance with this Privacy Policy and applicable law. If you are an EU resident, we ensure that all third parties receiving your data comply with GDPR through the use of Standard Contractual Clauses or other legally approved mechanisms. We may sell your personal data to others. By accepting the terms and conditions, you agree to PanAtlantic selling such data. We may also share personal data if required by law or to respond to valid requests by public authorities.
CONSUMER RIGHTS UNDER GDPR AND CCPA
California Residents: Under the California Consumer Privacy Act (CCPA), you have the right to request details about how your data is used, request access to your data, opt out of the sale of your personal data, and delete your personal data. To exercise your CCPA rights, visit our Do Not Sell My Info page or contact us at
. EU Residents: Under the General Data Protection Regulation (GDPR), you have the right to request access to, correction, or deletion of your personal data, restrict or object to processing, and data portability. You may exercise these rights by contacting us at
. We do not discriminate against users who exercise their rights under privacy laws, such as CCPA or GDPR. This means you will not be denied goods or services, charged different prices or rates, or provided a different level of quality if you choose to opt out of data sales or exercise your rights to access or delete your personal data.
NON-SHARING OF MOBILE NUMBERS
We do not share your mobile number with any third parties unless required by law or with your explicit consent. Your mobile number is collected solely for the purpose of providing our services and facilitating communication with you.
DATA BREACH NOTIFICATION
In the event of a data breach that compromises your personal data, we will notify you and any applicable supervisory authorities without undue delay, and no later than 72 hours after becoming aware of the breach, as required under GDPR or applicable law. Notifications will include details about the breach, the information compromised, and the steps we are taking to address the breach.
THIRD PARTIES
Any third parties to whom we may disclose personal information may have their own privacy policies. Those policies will govern the use, handling, and disclosure of your personal data once we have shared it with those third parties. However, we ensure that third parties receiving your data comply with GDPR, CCPA, and other applicable regulations through contractual obligations.
DATA ANONYMIZATION AND AGGREGATION
We may aggregate or anonymize personal data to create statistical or analytical reports. Once data has been anonymized, it is no longer considered personal data and is not subject to the rights and obligations outlined in this Privacy Policy.
CHANGES TO THIS PRIVACY POLICY
We will occasionally update this Privacy Policy to reflect changes in our practices and services. When we post changes, we will revise the “last updated” date at the bottom of this document. If we make any material changes, we will notify you by email and/or by posting notice of the changes on our website.
CONTACT US
If you have any concerns, questions, issues, feedback, suggestions, or ideas about this Privacy Policy, please contact us at
.
Last Updated: September 2024
Privacy Policy
This Privacy Policy describes the personal information MJ Harris Financial Services, Inc. (“MJ Harris Financial”, “we”, “our”, or “us”) collects about you, how we use this information, with whom we share it, and the choices you have in connection with this.
APPLICABILITY
This Privacy Policy applies to iwantlifeinsurance.com (the “Website”), your interactions with us, and our offline services (collectively, the “Services”).
INFORMATION COLLECTION AND USE
Through your use of our Services, will collect personal information from you directly and automatically as outlined below:
- Information Collected From You
When collect personal information from you when you:
- Apply for employment: When you apply for employment with us, we will collect your identifiers (name, email address, physical address, telephone number) and your professional or employment information (resume, cover letter, employment history, educational history). We use this personal information to assess and manage your application, to communicate with you, and as necessary to comply with the law.
- Contact us: When you contact us, we collect your identifiers (name, email address, telephone number) and any other information you choose to include in your correspondence. We use this personal information to respond to your questions or inquiries and address any issues you may have.
- Register for our insurance sales course: To register for our insurance sales course, we will collect your identifiers (name, email address, physical address, telephone number, selected password) and your payment information (card number, CVV, expiration date). We use this personal information to facilitate your registration, provide you access to the course, and to process your payment. Please note our payment processor collects and processes your payment information directly on our behalf and MJ Harris Financial only maintains historical payment information.
- Request an estimate: To request an estimate for life insurance, we collet your identifiers (name, age, telephone number, email address). We use this personal information to connect you with insurance providers to facilitate your request for estimates.
- Subscribe to our mailing list: If you subscribe to our mailing list, we will collect your identifiers (email address) to fulfil your request. You may opt-out of these communications at any time.
MJ Harris Financial may also use your information collected for the above purposes for the limited circumstances described in INFORMATION SHARING.
- Information Collected Automatically (Cookies)
In addition to the personal information you provide, we also collect information automatically via cookies as you use the Website. This information includes the following internet and other electronic network activity information:
- Usage information: This includes information about your interaction with the Website, such as pages visited, frequency of access, time spent on each page, and referring website details.
- Location information: This includes information about your location, which may be determined by your IP address.
- Device information: This includes information about the device you are using, such as hardware model, operating system, browser, and your preferences.
To collect this information, we use necessary, performance, analytics, and advertising cookies. We use the collected information to: (i) conduct analytics to improve the Website and enhance user experience; (ii) conduct targeted interest-based advertising and measure the effectiveness of our advertising campaigns; (iii) prevent fraudulent use of the Website; (iv) diagnose Website errors, and in cases of abuse, track and mitigate the abuse; and (v) remember your preferences. Particular cookies on our Website to note include:
- DoubleClick: We utilize DoubleClick to serve ads based on a user’s prior visit to our Website. Each visitor to our Website receives a different cookie and the information collected by the cookie is used to generate conversion statistics and allows us to see the total number of individuals who clicked on our ads. DoubleClick enables Google and its partners to serve ads to you based on your visit to Website in addition to other websites on the Internet. Please review Google’s Privacy Policy for additional information on how Google uses the information collected. To opt-out of targeted advertising by Google and this sharing, you can go to Google’s ad settings or you can install the DoubleClick opt-out add-on.
- Google Ads: We use Google Ads to deliver advertisements to you and to track whether you have interacted with an advertisement we have placed elsewhere on the internet. Google Ads stores a conversion tracking cookie on your device when you click on our advertisement. The information obtained through the cookie is used to generate statistics and allows us to see the total number of users who clicked on our advertisements. We also use Google Ads to present to users of our Website advertisements across the internet and within the Google advertising network based on their visits to our Website. For more information, please review Google’s privacy policy. To opt-out of targeted advertising by Google, you can go to Google’s ad settings.
- Google Analytics: We use Google Analytics to collect information on your use of the Website to improve our Website. In order to collect this information, Google Analytics may set cookies on your browser, or read cookies that are already there. Google Analytics may also receive information about you from applications you have downloaded that partner with Google. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Google’s ability to use and share information collected by Google Analytics about your visits to our Website or to another application which partners with Google is restricted by the Google Analytics Terms of Use and Privacy Policy. To prevent your information being used by Google Analytics, you can download the Google Analytics opt-out browser add-on.
In general, to disable cookies and limit the collection and use of information through them, you can set your browser to refuse cookies or indicate when a cookie is being sent. To opt-out of interest based advertising generally or to learn more about the use of this information, you can visit the Network Advertising Initiative or the Digital Advertising Alliance.
Our emails also contain cookies and other technologies, provided by Mailchimp, to gain valuable insight into behavior of email recipients. With the help of these technologies, we can analyze the actions taken by recipients, such as opens and clicks, in order to better adapt and distribute our emails. To produce this information, Mailchimp collects your internet and other electronic network activity information, such as IP address, time of retrieval, browser type, and operating type. You can disable this tracking at any time by disabling automatic loading of images in your email program.
INFORMATION SHARING
MJ Harris Financial will share your personal information in the following instances:
- Within MJ Harris Financial: We share your personal information within MJ Harris Financial in order to efficiently carry out our business and to the extent permitted by law.
- In the event of a corporate reorganization: In the event that we enter into, or intend to enter into, a transaction that alters the structure of our organization, such as a reorganization, merger, acquisition, sale, joint venture, assignment, consolidation, transfer, change of control, or other disposition of all or any portion of our assets, we would share your personal information with third parties, including the buyer or target (and their agents and advisors) for the purpose of facilitating and completing the transaction. We would also share your personal information with third parties if we undergo bankruptcy or liquidation, in the course of such proceedings.
- For legal purposes: We will share your personal information where we are legally required to do so, such as in response to court orders, law enforcement or legal process, including for national security purposes; to establish, protect, or exercise our legal rights; as required to enforce our terms of use or other contracts; to defend against legal claims or demands; to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person; or to comply with the requirements of any applicable law.
- With service providers: In the preceding twelve (12) months, we have disclosed your identifiers and internet and other electronic network activity information with service providers that assist us in providing our Services. These service providers include our IT support, payment processor, email and text message provider, email management system provider, and our lead management system provider.
- With IT: In the preceding twelve (12) months, we have disclosed your internet and other electronic network activity information to our IT support to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, identify and repair Website errors, and to update, maintain, and improve the Website.
- For a sale: In the past twelve (12) months, MJ Harris Financial has engaged in the following sales of personal information under the California Consumer Privacy Act:
- MJ Harris Financial uses certain analytics and advertising cookies on the Website. These cookies collect your internet and other electronic network activity and share it with the data analytics and advertising partners that provide them. While OmniBay does not share this personal information for money, this use of your personal information may be considered a sale under the California Consumer Privacy Act. To opt-out of these cookies, visit our cookie management platform https://www.cognitoforms.com/mjharrisfinancialservicesinc/mjharrisoptoutnotificationform
- MJ Harris Financial sells your personal identifiers as leads to insurance companies for their marketing and business purposes. These business purposes include providing you with an estimate for insurance services. You can opt-out of this sharing by visiting Do Not Sell My Personal Information https://www.cognitoforms.com/mjharrisfinancialservicesinc/mjharrisoptoutnotificationform
NEVADA RESIDENTS
If you are a consumer in the State of Nevada, you may request to opt-out of the current or future sale of certain of your personal information. To submit a request to opt-out, contact us at [email protected]. Please include “Opt-Out Request Under Nevada Law” in the subject line of your message.
CALIFORNIA RESIDENTS
The California Consumer Privacy Act (CCPA) grants certain rights to California residents. If our processing of your personal information is subject to the CCPA, you are entitled to the following rights:
- Right to access: You have the right to request what personal information we have collected, used, disclosed, and sold about you within the preceding twelve (12) months. You may only make a request for access twice within a 12-month period.
- Right to deletion: You have the right to request the deletion of your personal information that we collect or maintain, subject to certain exceptions.
- Right to opt-out: You have the right to opt-out of the sale of your personal information to third parties. MJ Harris Financial does not have actual knowledge that it sells personal information of minors under the age of sixteen (16) years.
- Right to non-discrimination: You have the right to not receive discriminatory treatment if and when you exercise your rights to access, delete, or opt-out under the CCPA.
To exercise your right to access or delete your personal information, you may submit via email at [email protected] or through our interactive webform https://www.cognitoforms.com/mjharrisfinancialservicesinc/mjharrisoptoutnotificationform To opt-out of the sale of your personal information, please visit Do Not Sell My Personal Information https://www.cognitoforms.com/mjharrisfinancialservicesinc/mjharrisoptoutnotificationform .
For requests submitted via telephone and email, you must provide us with sufficient information that allows us to reasonably verify you are the person about whom we collected the personal information and describe your request with sufficient detail to allow us to properly evaluate and respond to it. If we are not able to verify your identity for access and deletion requests with the information provided, we may ask you for additional pieces of information. Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a request related to your personal information. If you are an authorized agent making a request on behalf of another individual, you must provide us with signed documentation that you are authorized to act on behalf of that individual.
MARKETING COMMUNICATIONS
You may opt-out of receiving marketing emails from us by clicking the ‘unsubscribe’ link provided with each email. Please note that we will continue to send you emails necessary to the Services or any assistance you request. To opt-out of receiving SMS marketing communications from us, you can reply ‘STOP’ to any of our SMS communications.
DO NOT TRACK
We do not support Do Not Track (DNT).
INFORMATION SECURITY
We implement and maintain reasonable security measures to protect the personal information we collect and maintain. These security measures include access controls and encryption. However, no security measure or modality of data transmission over the Internet is 100% secure and we are unable to guarantee the absolute security of the information we have collected from you.
AGE RESTRICTION
The Services are not intended for individuals under the age of eighteen (18).
CHANGES
We may change this Privacy Policy from time to time. We will post the changes to this page and will indicate the date the changes go into effect. We encourage you to review our Privacy Policy to stay informed. If we make changes that materially affect your privacy rights we will notify you with a prominent post on our Website and/or via email and obtain your consent, if required.
CONTACT
If you have any questions about this Privacy Policy, please contact us at:
MJ Harris Financial Services, Inc.
2950 North Loop West Suite 500 - #773 Houston, TX 77092
