Introduction
JB Risk Management & Insurance Services (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you visit our website, interact with our services, complete forms, communicate with us, or otherwise engage with our business.
This Privacy Policy is designed to comply with applicable United States privacy laws, including but not limited to:
Information We Collect
We may collect the following categories of personal information:
Information You Provide Directly
Automatically Collected Information
When you access our website, we may automatically collect:
Communications Data
We may retain records of:
How We Use Your Information
We may use your information for the following business purposes:
We do not sell sensitive personal information.
SMS, Phone Calls, and Communications Consent
By submitting your information through our website, forms, or communication channels, you consent to receive communications from us, which may include:
Message and data rates may apply. Message frequency may vary.
You may opt out of SMS communications at any time by replying:
Consent to receive marketing messages is not a condition of purchase.
Cookies and Tracking Technologies
We use cookies, pixels, session replay technologies, analytics tools, and similar technologies to improve website functionality and marketing performance.
These technologies may collect information regarding:
You may disable cookies through your browser settings; however, portions of the website may not function properly.
California Consumer Privacy Act (CCPA) Notice
If you are a California resident, you may have the following rights under the California Consumer Privacy Act (CCPA):
Right to Know
You may request information regarding:
Right to Delete
You may request deletion of certain personal information collected about you.
Right to Correct
You may request correction of inaccurate personal information.
Right to Opt-Out
You may request that we do not sell or share your personal information.
Right to Non-Discrimination
We will not discriminate against you for exercising your privacy rights.
To submit a request, contact:
Email: [email protected]
Phone: (805) 601-6840
We may verify your identity before processing requests.
California Invasion of Privacy Act (CIPA) Disclosure
In compliance with the California Invasion of Privacy Act (CIPA), we disclose that our website may utilize technologies including:
These technologies may record interactions with our website to improve customer experience, analyze website performance, and provide customer support.
By using this website, you consent to such monitoring and data collection to the extent permitted by applicable law.
Video Privacy Protection Act (VPPA) Disclosure
Our website may contain embedded videos, video content, or third-party video players.
If you interact with video content on our website, certain viewing information may be shared with third-party providers such as hosting platforms, analytics services, or advertising partners.
We do not knowingly disclose personally identifiable viewing information except:
Third-Party Services
We may use third-party service providers for:
These providers may have access to limited information necessary to perform services on our behalf.
Examples may include:
We encourage users to review third-party privacy policies.
Data Retention
We retain personal information only as long as reasonably necessary to:
Retention periods may vary depending on the nature of the information
Data Security
We implement commercially reasonable safeguards designed to protect personal information from:
However, no method of internet transmission or storage is completely secure.
Children’s Privacy
Our services are not directed toward children under 13 years of age.
We do not knowingly collect personal information from children under 13.
If we become aware that information from a child has been collected without appropriate consent, we will delete it promptly.
Your Privacy Choices
You may:
To exercise your rights, contact:
Email: [email protected]
Phone: (805) 601-6840
Changes to This Privacy Policy
We reserve the right to update this Privacy Policy at any time.
Changes become effective upon posting to this page.
We encourage users to review this Privacy Policy periodically.
Contact Information
If you have any questions regarding this Privacy Policy, contact:
JB Risk Management & Insurance Services [Insert Address] [email protected] (805) 601-6840
Terms & Conditions
Effective Date: May 2026
Acceptance of Terms
By accessing or using this website, you agree to be bound by these Terms & Conditions.
If you do not agree with these Terms, please do not use this website.
Services Disclaimer
The information provided on this website is for informational purposes only and does not constitute legal, financial, insurance, or professional advice.
Coverage availability, pricing, and eligibility may vary by state, provider, and applicant qualifications.
Website Use
You agree not to:
We reserve the right to restrict access for violations.
Intellectual Property
All website content, including:
is owned by or licensed to JB Risk Management & Insurance Services and protected under applicable intellectual property laws.
No content may be copied, reproduced, or distributed without written permission.
User Submissions
By submitting forms, reviews, feedback, or communications, you grant us a non-exclusive right to use such content for business purposes.
You represent that submitted information is accurate and lawful.
Third-Party Links
This website may contain links to third-party websites.
We are not responsible for the content, security, or privacy practices of external websites.
Accessing third-party websites is at your own risk.
SMS Terms
By opting into SMS communications:
To unsubscribe, reply STOP.
For assistance, reply HELP.
No Guarantees
We do not guarantee:
Services are provided “as is” and “as available.”
Limitation of Liability
To the fullest extent permitted by law, JB Risk Management & Insurance Services shall not be liable for:
arising from use of this website or services.
Indemnification
You agree to indemnify and hold harmless JB Risk Management & Insurance Services, its employees, affiliates, and partners from claims arising from:
Governing Law
These Terms shall be governed by the laws of the applicable state in which the business operates, without regard to conflict of law principles.
Dispute Resolution
Any disputes arising from use of this website shall be resolved through:
Modifications
We reserve the right to modify these Terms & Conditions at any time.
Updated versions become effective upon posting.
Continued use of the website constitutes acceptance of revised Terms.
Contact Information
For questions regarding these Terms & Conditions, contact:
JB Risk Management & Insurance Services
100 East Thousand Oaks Blvd
Suite #145
Thousand Oaks, CA 91360
[email protected]
(805) 601-6840
JB Risk Management & Insurance Services (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you visit our website, interact with our services, complete forms, communicate with us, or otherwise engage with our business.
This Privacy Policy is designed to comply with applicable United States privacy laws, including but not limited to:
- California Consumer Privacy Act (CCPA)
- California Invasion of Privacy Act (CIPA)
- Video Privacy Protection Act (VPPA)
- Federal Trade Commission Act (FTC Act)
- Applicable telecommunications and marketing laws
Information We Collect
We may collect the following categories of personal information:
Information You Provide Directly
- Full name
- Email address
- Phone number
- Mailing address
- Insurance or financial inquiry details
- Information submitted through forms, chat widgets, surveys, or customer support requests
- Documents or files voluntarily uploaded
Automatically Collected Information
When you access our website, we may automatically collect:
- IP address
- Browser type and version
- Device identifiers
- Operating system
- Referring URLs
- Website usage data
- Session activity
- Cookies and tracking technologies
Communications Data
We may retain records of:
- SMS communications
- Email communications
- Call logs
- Customer support interactions
- Appointment requests
How We Use Your Information
We may use your information for the following business purposes:
- Provide requested services
- Respond to inquiries
- Deliver insurance quotes or related information
- Process applications and transactions
- Improve website performance and user experience
- Conduct analytics and marketing
- Prevent fraud or misuse
- Comply with legal obligations
- Send service-related communications
- Maintain internal records
We do not sell sensitive personal information.
SMS, Phone Calls, and Communications Consent
By submitting your information through our website, forms, or communication channels, you consent to receive communications from us, which may include:
- Phone calls
- Emails
- SMS or text messages
- Appointment reminders
- Customer service communications
- Marketing communications (where permitted by law)
Message and data rates may apply. Message frequency may vary.
You may opt out of SMS communications at any time by replying:
- STOP to unsubscribe
- HELP for assistance
Consent to receive marketing messages is not a condition of purchase.
Cookies and Tracking Technologies
We use cookies, pixels, session replay technologies, analytics tools, and similar technologies to improve website functionality and marketing performance.
These technologies may collect information regarding:
- Website interactions
- Click activity
- Navigation behavior
- Device information
- Session recordings
You may disable cookies through your browser settings; however, portions of the website may not function properly.
California Consumer Privacy Act (CCPA) Notice
If you are a California resident, you may have the following rights under the California Consumer Privacy Act (CCPA):
Right to Know
You may request information regarding:
- Categories of personal information collected
- Sources of collection
- Business purposes for collection
- Categories of third parties receiving data
Right to Delete
You may request deletion of certain personal information collected about you.
Right to Correct
You may request correction of inaccurate personal information.
Right to Opt-Out
You may request that we do not sell or share your personal information.
Right to Non-Discrimination
We will not discriminate against you for exercising your privacy rights.
To submit a request, contact:
Email: [email protected]
Phone: (805) 601-6840
We may verify your identity before processing requests.
California Invasion of Privacy Act (CIPA) Disclosure
In compliance with the California Invasion of Privacy Act (CIPA), we disclose that our website may utilize technologies including:
- Session replay software
- Chat features
- Analytics tools
- Cookies and tracking pixels
These technologies may record interactions with our website to improve customer experience, analyze website performance, and provide customer support.
By using this website, you consent to such monitoring and data collection to the extent permitted by applicable law.
Video Privacy Protection Act (VPPA) Disclosure
Our website may contain embedded videos, video content, or third-party video players.
If you interact with video content on our website, certain viewing information may be shared with third-party providers such as hosting platforms, analytics services, or advertising partners.
We do not knowingly disclose personally identifiable viewing information except:
- With your consent
- As required by law
- As permitted under the Video Privacy Protection Act (VPPA)
Third-Party Services
We may use third-party service providers for:
- Website hosting
- Analytics
- Marketing
- CRM systems
- SMS delivery
- Payment processing
- Video hosting
- Scheduling systems
These providers may have access to limited information necessary to perform services on our behalf.
Examples may include:
- Google Analytics
- Meta/Facebook
- CRM providers
- Email marketing providers
- Embedded video services
We encourage users to review third-party privacy policies.
Data Retention
We retain personal information only as long as reasonably necessary to:
- Fulfill business purposes
- Comply with legal obligations
- Resolve disputes
- Enforce agreements
Retention periods may vary depending on the nature of the information
Data Security
We implement commercially reasonable safeguards designed to protect personal information from:
- Unauthorized access
- Disclosure
- Misuse
- Loss
- Alteration
However, no method of internet transmission or storage is completely secure.
Children’s Privacy
Our services are not directed toward children under 13 years of age.
We do not knowingly collect personal information from children under 13.
If we become aware that information from a child has been collected without appropriate consent, we will delete it promptly.
Your Privacy Choices
You may:
- Request access to your information
- Request deletion of personal information
- Opt out of marketing communications
- Disable cookies in your browser
- Contact us regarding privacy concerns
To exercise your rights, contact:
Email: [email protected]
Phone: (805) 601-6840
Changes to This Privacy Policy
We reserve the right to update this Privacy Policy at any time.
Changes become effective upon posting to this page.
We encourage users to review this Privacy Policy periodically.
Contact Information
If you have any questions regarding this Privacy Policy, contact:
JB Risk Management & Insurance Services [Insert Address] [email protected] (805) 601-6840
Terms & Conditions
Effective Date: May 2026
Acceptance of Terms
By accessing or using this website, you agree to be bound by these Terms & Conditions.
If you do not agree with these Terms, please do not use this website.
Services Disclaimer
The information provided on this website is for informational purposes only and does not constitute legal, financial, insurance, or professional advice.
Coverage availability, pricing, and eligibility may vary by state, provider, and applicant qualifications.
Website Use
You agree not to:
- Use the website for unlawful purposes
- Attempt unauthorized access
- Disrupt website functionality
- Upload malicious code
- Misrepresent your identity
- Interfere with website security
We reserve the right to restrict access for violations.
Intellectual Property
All website content, including:
- Text
- Graphics
- Logos
- Branding
- Images
- Videos
- Software
is owned by or licensed to JB Risk Management & Insurance Services and protected under applicable intellectual property laws.
No content may be copied, reproduced, or distributed without written permission.
User Submissions
By submitting forms, reviews, feedback, or communications, you grant us a non-exclusive right to use such content for business purposes.
You represent that submitted information is accurate and lawful.
Third-Party Links
This website may contain links to third-party websites.
We are not responsible for the content, security, or privacy practices of external websites.
Accessing third-party websites is at your own risk.
SMS Terms
By opting into SMS communications:
- You consent to receive text messages from us
- Message frequency may vary
- Message and data rates may apply
- Consent is not a condition of purchase
To unsubscribe, reply STOP.
For assistance, reply HELP.
No Guarantees
We do not guarantee:
- Continuous website availability
- Error-free functionality
- Accuracy of all website content
- Specific insurance outcomes or pricing
Services are provided “as is” and “as available.”
Limitation of Liability
To the fullest extent permitted by law, JB Risk Management & Insurance Services shall not be liable for:
- Indirect damages
- Consequential damages
- Lost profits
- Data loss
- Service interruptions
- Unauthorized access
arising from use of this website or services.
Indemnification
You agree to indemnify and hold harmless JB Risk Management & Insurance Services, its employees, affiliates, and partners from claims arising from:
- Your misuse of the website
- Violation of these Terms
- Violation of applicable laws
Governing Law
These Terms shall be governed by the laws of the applicable state in which the business operates, without regard to conflict of law principles.
Dispute Resolution
Any disputes arising from use of this website shall be resolved through:
- Informal negotiation first
- Mediation or arbitration where permitted
- Courts of competent jurisdiction if necessary
Modifications
We reserve the right to modify these Terms & Conditions at any time.
Updated versions become effective upon posting.
Continued use of the website constitutes acceptance of revised Terms.
Contact Information
For questions regarding these Terms & Conditions, contact:
JB Risk Management & Insurance Services
100 East Thousand Oaks Blvd
Suite #145
Thousand Oaks, CA 91360
[email protected]
(805) 601-6840