Privacy Policy

 Effective Date: January 20, 2026

S & J Insurance Group, Inc. (“S & J,” “we,” “us,” “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website, communicate with us (including by phone, text, email, or social media), use any client portal we provide, or request quotes or services (collectively, the “Services”).

We may collect the following categories of personal information:

• Contact details (name, address, email address, phone number)
• Insurance-related information you submit for quotes or service (such as property, vehicle, or business details; prior insurance information; loss history you choose to share; and documents you upload)
• Payment-related information if you pay us directly (payments may otherwise be processed by third parties)
• Communications with us (including messages, chat transcripts, emails, and call notes)

• Device and usage information (such as IP address, browser type, pages viewed, and approximate location based on IP address)
• Cookies and similar tracking technologies (see Section 6)

We use personal information to:

• Provide insurance quotes, place coverage, and service policies
• Communicate with you regarding quotes, policies, requests, reminders, and service-related matters
• Verify identity and help prevent fraud
• Improve our website, systems, and operations 
• Comply with legal, regulatory, and recordkeeping requirements

Use of our Services or submission of personal information does not create a client, agent, or broker relationship unless and until such relationship is confirmed by us in writing. Coverage is not bound, changed, or canceled unless confirmed by us in writing, consistent with our Terms of Use.

By communicating with us electronically, you consent to receive communications, notices, documents, and records electronically, consistent with our Terms of Use.

We may share personal information with:

• Insurance carriers, MGAs, wholesalers, and premium finance companies for the purpose of quoting, underwriting, binding, issuing, and servicing insurance coverage
• Service providers that assist us with business operations (such as website hosting, analytics, customer relationship management systems, email and text messaging providers, e-signature platforms, and document storage), subject to confidentiality obligations
• Legal or regulatory authorities when required by law or to respond to lawful requests

We do not sell personal information in the ordinary sense.

Depending on your state of residence and applicable law, you may have the right to:

• Request access to the personal information we maintain about you
• Request correction or deletion of certain personal information, subject to legal, regulatory, and insurance recordkeeping requirements
• Opt out of certain advertising or analytics activities, where applicable

To submit a privacy-related request, please contact us using the information in Section 10. We may need to verify your identity before fulfilling a request.

If you provide your mobile phone number, you may receive text messages related to quotes, service, reminders, and—if you opt in—marketing communications.

Text messaging is governed by our SMS/Text Messaging Terms, which describe opt-out instructions, message frequency, rates, and other important details. Requests to bind coverage, cancel policies, or make policy changes are not effective by text message unless confirmed by us in writing.

We may use cookies and similar technologies to:

• Operate and maintain our website
• Remember user preferences
• Understand website traffic and improve performance

You can control cookies through your browser settings. Disabling cookies may limit certain features of the website.

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

We retain personal information as necessary to provide services and to comply with legal, contractual, and regulatory obligations. Insurance recordkeeping requirements may require us to retain certain information even if you request deletion.

Our Services are intended for a general adult audience. We do not knowingly collect personal information from children under the age of 16.

S & J Insurance Group, Inc.
📍 3727 SE Ocean Blvd, STE 204
Stuart, FL 34996
📞 772-286-2572
📧 sandjinsurancegroup@gmail.com

We may update this Privacy Policy from time to time. The “Effective Date” at the top of this page reflects the most recent update. Continued use of our Services after changes are posted constitutes acceptance of the revised Privacy Policy.