Privacy Policy

Last Updated: March 20, 2026

Introduction

A & J Insurance Services, Inc. (“we,” “us,” or “our”) operates the website located at https://www.ajinsuranceservices.com (the “Site”). We are a licensed property and casualty insurance agency in the state of Florida and are classified as a financial institution under the federal Gramm-Leach-Bliley Act (GLBA). This Privacy Policy explains how we collect, use, share, and protect your personal information—including your Non-Public Personal Information (NPI)—in connection with your use of our Site and our insurance services.

By using our Site or submitting a quote request, you acknowledge that you have read and understood this Privacy Policy. By continuing to use our Site, you consent to our use of cookies as described in the “Cookies & Tracking Technologies” section below.

Information We Collect

We collect information in the following ways:

Information You Provide Directly

When you request an insurance quote, contact us through our website forms, or communicate with us by phone or email, we may collect:

Full name
Home or mailing address
Email address
Phone number (including mobile)
Date of birth
Property address and details
Vehicle information
Current insurance carrier and coverage details
Any other information you voluntarily provide on our quote or contact forms

This information is considered Non-Public Personal Information (NPI) under the Gramm-Leach-Bliley Act and is treated with the highest level of protection.

Information Collected Automatically

When you visit our Site, we and our service providers may automatically collect:

IP address and approximate geographic location
Browser type and version
Operating system
Pages visited and time spent on our Site
Referring website or search terms
Device identifiers

This information is used for analytics and to improve our website experience.

How We Use Your Information

We use the information we collect to:

Prepare and deliver insurance quotes from carriers on your behalf
Issue, service, and renew your insurance policies
Communicate with you about your coverage, billing, and account status
Respond to your inquiries and provide customer service
Send you relevant agency updates, policy reminders, and promotional communications (with your consent)
Comply with applicable federal and Florida state laws and regulations
Maintain and improve the functionality of our website
Detect and prevent fraud

How We Share Your Information

We share your Non-Public Personal Information (NPI) with insurance carriers, wholesale brokers, and essential service providers—including Agency Management Systems (AMS), Customer Relationship Management (CRM) software, and marketing automation platforms—for the sole purpose of securing rate quotes, issuing your policies, and servicing your account.

We absolutely do not sell your personal information to non-affiliated third parties for marketing purposes. Because we strictly limit the sharing of your information to these permitted, essential business functions as outlined by the Gramm-Leach-Bliley Act (GLBA), we do not offer, nor are we required to offer, a mechanism to opt out of this specific quoting, software, and servicing data exchange.

We may also disclose your information as required or permitted by law, including in response to a subpoena, court order, or regulatory inquiry, or to protect the rights and safety of our agency, our clients, or the public.

Data Security

We take the security of your Non-Public Personal Information seriously. In compliance with the FTC Safeguards Rule under the Gramm-Leach-Bliley Act, we maintain a written Information Security Program that includes the following safeguards:

Access Controls: Access to your NPI is limited to agency personnel who require it to perform their job functions.
Encryption: Sensitive data is encrypted both at rest and in transit. We do not transmit Social Security numbers, financial account information, or other sensitive NPI via unencrypted email.
Multi-Factor Authentication (MFA): MFA is required for any employee or authorized user accessing systems that store or process customer information.
Incident Response Plan: We maintain a documented plan for responding to cybersecurity events, including notifying affected clients and the Florida Department of Financial Services as required by law.
Vendor Oversight: We evaluate our service providers and require them to maintain appropriate security standards for any NPI they handle on our behalf.

Despite these precautions, no method of transmission over the Internet or electronic storage is 100% secure. If you believe your information has been compromised, please contact us immediately.

Cookies & Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your browsing experience and collect analytical data. We use four categories of cookies:

Strictly Necessary Cookies

These cookies are required for our website to function properly. They enable basic features such as secure form submissions, page navigation, and authentication. You cannot opt out of these cookies while continuing to use our Site.

Performance Cookies

We use Google Analytics to understand how visitors interact with our Site. This service uses cookies to collect anonymous data such as IP addresses and page views, which helps us improve our user experience.

Functionality Cookies

These cookies remember your preferences (such as your location or language settings) to provide a more personalized experience on return visits.

Targeting / Advertising Cookies

These cookies may be used to track your browsing habits across websites for the purpose of delivering advertising that is relevant to your interests. You may opt out of these cookies through your browser settings or by visiting the relevant opt-out pages for advertising networks.

Managing Cookies: You can control cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of our Site.

Email Communications

We collect your email address to provide quotes, deliver policy documents, and send relevant agency updates. We do not sell, rent, or lease your email address to third parties. All promotional emails from our agency comply with the CAN-SPAM Act and will include a clear, accessible link to unsubscribe. Please note that if you opt out of promotional communications, we reserve the right to continue sending you necessary transactional emails regarding your active insurance policies or billing.

SMS and Text Messaging

If you provide your mobile phone number, you consent to receive text messages from A & J Insurance Services regarding your quotes, policy updates, and account servicing. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with necessary service providers (such as our agency management system) to facilitate these communications is permitted, provided those providers do not use the information for their own marketing. You may opt out of receiving text messages at any time by replying “STOP”.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, to comply with applicable legal and regulatory obligations, and to resolve any disputes. Insurance records may be retained for a minimum of five (5) years or as required by Florida law and the applicable insurance carrier’s guidelines. When your information is no longer needed, we will securely destroy or de-identify it.

Children’s Privacy

Our Site is not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has submitted personal information to us, we will promptly delete it. If you believe we have inadvertently collected such information, please contact us immediately.

Links to Third-Party Sites

Our Site may contain links to third-party websites, including insurance carriers and industry resources. This Privacy Policy does not apply to those external sites. We encourage you to review the privacy policies of any third-party website you visit, as we are not responsible for their privacy practices.

Florida Consumer Privacy

While A & J Insurance Services is primarily governed by federal GLBA regulations, we respect the privacy rights of Florida residents. We do not sell your personal information, and you may contact us at any time to review, update, or request the deletion of your non-transactional data.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we do, we will revise the “Last Updated” date at the top of this page. We encourage you to review this Policy periodically. Your continued use of our Site after any changes constitutes your acceptance of the updated Policy.

Contact Us

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:

A & J Insurance Services, Inc.

Phone: (561) 586-4955
Email: aj@ajinsuranceservices.com
Office: 807 Lucerne Ave. East Unit, Lake Worth Beach, FL 33460
Website: https://www.ajinsuranceservices.com