Privacy Policy

Effective Date: December 31, 2025
Owner: JTR Life, LLC (“we,” “us,” or “our”)

Scope

This policy explains how we collect, use, share, and protect personal information through our website, forms, communications, and services for visitors, prospects, and clients in the U.S.

Information We Collect

  • Identifiers & Contact: name, email, phone, address, date of birth.

  • Quote/Application Data: coverage interests, beneficiaries (only submit info you’re authorized to share).

  • Government IDs: where permitted and necessary (e.g., driver’s license).

  • Financial & Employment: income, occupation, employer; business ownership for advanced planning.

  • Health/Medical: limited self-reported underwriting disclosures (we are not a HIPAA-covered entity).

  • Device & Usage: IP address, cookies/pixels, pages viewed, browser type, referral URLs, approximate geolocation, interaction analytics.

  • Communications: emails, calls, texts/SMS (with consent), chat messages, form submissions.

  • Third-Party Sources: carriers, underwriting platforms (including Ethos), analytics/ad partners, CRM providers.

How We Use Information

  • Provide quotes, applications, underwriting facilitation, policy issuance, and servicing.

  • Evaluate suitability for products (e.g., key-person, buy-sell funding, executive bonus).

  • Communicate via email, phone, SMS (with consent); schedule consultations; deliver updates.

  • Operate, secure, and improve our website; perform analytics and conversion tracking.

  • Comply with law, prevent fraud, protect rights/security, and maintain records.

Sharing of Information

We may share with:

  • Insurance carriers & platforms (including Ethos) to provide quotes, underwriting, and policies.

  • Service providers (hosting, analytics, CRM, email/SMS, e-signature, cloud storage).

  • Professional advisors (legal, compliance, tax) as needed.

  • Business transactions (mergers/acquisitions), subject to confidentiality.

  • Legal compliance and security purposes.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We do not sell personal information for money. Some sharing for targeted advertising/analytics may be considered “sale” or “sharing” under certain state laws; see State Privacy Rights below.

Cookies & Tracking

We use cookies, pixels, and similar technologies for functionality, analytics, and advertising. You can manage cookies in your browser and via industry opt-out tools. Blocking non-essential cookies may impact functionality.

SMS, Calls, and Email Consent (TCPA/CAN-SPAM)

By providing your phone number, you consent to receiving calls and texts about quotes, applications, and servicing. Message & data rates may apply. Reply STOP to opt out; HELP for assistance.
Emails include an unsubscribe link; we honor opt-outs within 10 business days and include a physical mailing address.

Data Retention

We retain information as long as necessary to provide services and meet legal/compliance obligations (commonly 7 years for regulated records), or as otherwise required/permitted by law.

Security

We employ administrative, technical, and physical safeguards (e.g., encryption in transit, access controls). No method is 100% secure; use strong passwords and updated devices.

Incident Response

If a security incident occurs, we will investigate, mitigate, and notify affected individuals where required by applicable law.

Children’s Privacy

We do not direct services to children under 13 and do not knowingly collect information from them. Contact us to delete any information inadvertently collected.

State Privacy Rights (U.S.)

Depending on your state (e.g., California, Virginia, Colorado, Connecticut, Utah, Texas), you may have rights to:

  • Access/Know categories and specific pieces of personal information.

  • Correct inaccuracies.

  • Delete information (subject to exceptions).

  • Opt out of targeted advertising, certain profiling, and the “sale” or “sharing” of personal information.

  • Non-discrimination for exercising rights.

To exercise rights, contact: jacob@jtrlife.com. We will verify identity and respond within required timeframes. Authorized agents may submit requests with proper authorization.

California (CPRA) Disclosures

We do not and will never sell, rent, or share your personal information for marketing or advertising purposes. While CPRA requires businesses to disclose if they “sell” or “share” personal information, our practices do not involve selling or sharing data for cross-context behavioral advertising. Any information shared with carriers or service providers is solely for delivering requested insurance services and complying with legal obligations.

International Visitors (EEA/UK)

If you visit from outside the U.S., your data may be processed in the U.S. We rely on appropriate safeguards by partners (e.g., Standard Contractual Clauses) where legally required. Legal bases may include: consent, contract performance, legitimate interests, and legal obligations.

Third‑Party Services (Including Ethos)

If you click our Ethos link or use embedded tools, you may be redirected to Ethos or other partners. Their terms and privacy policies govern data collected on their sites/platforms. We may receive information from Ethos to support your application and service your policy.

Changes to This Policy

We may update this policy periodically. The Effective Date above reflects the latest version. Material changes will be posted here and, where required, we will notify you.

Contact

  • Privacy/General: jacob@jtrlife.com

  • Phone: 662-715-4657

Copyright Notice & Intellectual Property Policy

Effective Date: December 31, 2025
Owner: JTR Life, LLC

Ownership of Content

All content on this website—including text, copy, images, graphics, logos, videos, icons, downloads, and site design—is owned by JTR Life, LLC or licensed to us and protected by U.S. and international copyright, trademark, and other intellectual property laws.

Permitted Use

You may view, share, and print content from this site for personal, non-commercial use, provided proprietary notices remain intact. Any other use—including copying, modifying, redistributing, reproducing, performing, displaying, or creating derivative works—requires our prior written consent.

Trademarks

Our names, logos, taglines, and service marks are trademarks of JTR Life, LLC. Third‑party marks (e.g., “Ethos”) are the property of their respective owners and used with permission or for descriptive/fair use. No trademark license is granted by visiting this site.

User‑Submitted Content

If you submit reviews, testimonials, comments, or materials (“User Content”), you grant JTR Life, LLC a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, modify, publish, translate, distribute, and display such content in connection with our services and marketing. Do not submit content that is false, infringing, illegal, or violates privacy rights.

DMCA Notice (U.S.)

If you believe content on this site infringes your copyright, send a written notice to our designated agent:

  • DMCA Agent: Jacob Rodriguez

  • Email: jacob@jtrlife.com

Your notice must include: (1) identification of the copyrighted work; (2) identification of allegedly infringing material (URL); (3) your contact information; (4) a good‑faith statement; (5) a statement under penalty of perjury of authority; and (6) your signature. We may remove or disable access to alleged infringing content and terminate repeat infringers.

Prohibited Uses

You agree not to (a) use automated means to access or scrape content; (b) circumvent security; (c) introduce malware or interfere with operations; (d) use the site to harass, defraud, or violate law; or (e) misrepresent identity or affiliation.

Terms of Use

Effective Date: December 31, 2025
Owner: JTR Life, LLC

Acceptance of Terms

By accessing or using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, please do not use the site.

No Legal, Tax, or Investment Advice

All content is general information. We do not provide legal, tax, accounting, or investment advice. Consult qualified professionals for personalized advice.

Licensing & Availability

  • JTR Life, LLC is a Mississippi‑licensed insurance agency. NPN: 22085607. Resident License: MS – 15054637. Non‑Resident Licenses: AL – 3004053985, LA – 1252133, NC – 3004040220, TN – 3004055223, TX – 3446154. Non‑resident agency licensing in CA, FL, and IN is currently pending. Until non‑resident agency approvals are completed in those states, all insurance products and services are offered through Jacob Rodriguez in his capacity as an individually licensed insurance producer. NPN: 18731562. Resident License: MS – 10977352. Non‑Resident Licenses: AL – 3002982191, CA – 4452427, FL – W572694, IN – 4195245, LA – 811878, NC – 18731562, TN – 3002690350, TX – 2280521.

  • Insurance products are offered through various carriers; availability and eligibility vary by state and carrier underwriting guidelines.

Agent/Compensation Disclosure (Ethos)

Jacob Rodriguez is a contracted agent with Ethos Life Insurance. We may receive commission for policies issued through Ethos or other carriers.

Third‑Party Links & Platforms

We may link to third‑party sites (including Ethos). We are not responsible for their content, policies, or practices. Your use of third‑party services is governed by their terms and privacy policies.

Testimonials & Endorsements (FTC)

Testimonials reflect individual experiences and do not guarantee similar results. If any material connections exist (e.g., incentives), we will disclose them.

Acceptable Use

You agree not to misuse the site, including attempts to disrupt service, exploit vulnerabilities, violate law, or infringe intellectual property. We may suspend or terminate access for violations.

Disclaimers

The site and content are provided “as is” and “as available,” without warranties of any kind, express or implied (including merchantability, fitness for a particular purpose, or non‑infringement).

Limitation of Liability

To the fullest extent permitted by law, JTR Life, LLC and its owners, officers, employees, and agents are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of the site or services.

Indemnification

You agree to indemnify and hold harmless JTR Life, LLC from any claims, damages, liabilities, costs, and expenses arising from your use of the site, your content submissions, or violation of these Terms.

Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Mississippi without regard to conflicts of law. Disputes shall be resolved through good‑faith negotiations and, if necessary, in state or federal courts located in Mississippi. You consent to personal jurisdiction and venue in those courts. You may choose to include mediation/arbitration in your final version.

Changes to Terms

We may update these Terms periodically. The Effective Date above reflects the latest version. Material changes will be posted here and, where required, we will notify you.

Accessibility Statement

Commitment to Accessibility

JTR Life, LLC is committed to making our website accessible to all, including people with disabilities. We aim to conform to WCAG 2.1 AA standards and continuously improve accessibility.

Measures We Take

  • Semantic HTML, keyboard navigability, and sufficient color contrast.

  • Alternative text for images and meaningful link text.

  • Clear structure, headings, and labels.

  • Ongoing testing and remediation.

Feedback & Assistance

If you encounter accessibility barriers or need assistance, contact us and we’ll respond promptly:

  • Email: jacob@jtrlife.com

  • Phone: 662-715-4657

Third‑Party Content

Some content or tools may be provided by third parties (e.g., Ethos). We cannot guarantee third‑party conformance but strive to work with accessible partners.