Privacy

Last updated: December 15, 2025

This Privacy Policy describes the policies and procedures of J. Peter & Associates, LLC (“Company,” “we,” “us,” or “our”) regarding the collection, use, and protection of personal information when you use our website and services. It also explains your privacy rights and how applicable laws protect you.

By accessing or using our services, you agree to the collection and use of information in accordance with this Privacy Policy.

Words with capitalized initial letters have meanings defined below. These definitions apply regardless of whether they appear in singular or plural form.

• Account: A unique account created to access our services.
   
• Company: J. Peter & Associates, LLC, 2055 Limestone Road, Suite 200D, Wilmington, DE 19808.
   
• Cookies: Small files placed on your device that store browsing information.
   
• Country: United States (Delaware).
   
• Device: Any device capable of accessing the service (computer, mobile phone, tablet).
   
• Personal Data: Information that identifies or can reasonably identify an individual.
   
• Service: The Company’s website and related services.
   
• Usage Data: Data collected automatically when using the Service.
   
• Website: https://jpeterassoc.com
   
• You: The individual or entity accessing or using the Service.
   

We may collect the following information:

• First and last name
   
• Email address
   
• Phone number
   
• Mailing address (city, state, ZIP code)
   
• Insurance-related information voluntarily provided
   
• Usage Data
   

Usage Data is collected automatically and may include:

• IP address
   
• Browser type and version
   
• Pages visited
   
• Time and date of visits
   
• Device identifiers and diagnostic data
   

When accessing the Service via mobile device, we may also collect mobile device type, operating system, and browser details.

We use cookies and similar technologies to operate and improve our website.

• Essential Cookies – Required for site functionality
   
• Functionality Cookies – Remember user preferences
   
• Analytics Cookies – Improve performance and user experience
   

You may disable cookies in your browser settings; however, some features of the Service may not function properly.

The Company uses Personal Data solely for legitimate business purposes, including:

• Providing and maintaining insurance services
   
• Managing accounts and client relationships
   
• Processing applications, policies, and payments
   
• Communicating via phone, email, and SMS regarding services, updates, reminders, and confirmations
   
• Responding to inquiries and service requests
   
• Ensuring compliance with legal and regulatory obligations
   

We do not use Personal Data for unsolicited marketing or cold outreach.

Clients may opt in to receive SMS messages through our website forms or written consent during the onboarding process.

Messages may include:

• Policy updates
   
• Payment confirmations
   
• Appointment reminders
   
• Service-related communications
   

You may opt out at any time by replying STOP.
For assistance, reply HELP.
Message and data rates may apply. Message frequency varies.

J. Peter & Associates, LLC does not sell, rent, lease, share, or transfer consumer personal data — including mobile phone numbers and SMS consent data — to any external organization under any circumstances, even with user consent, except as required by law.

This includes, but is not limited to:

• Third parties
   
• Affiliates
   
• Business partners
   
• Marketing organizations
   

Personal Data may only be disclosed:

• When required by law, subpoena, or regulatory authority
   
• To protect the legal rights and safety of the Company or clients
   

We do not disclose Personal Data for marketing, promotional, or unrelated purposes.

We retain Personal Data only as long as necessary to:

• Provide services
   
• Meet legal and regulatory requirements
   
• Resolve disputes
   
• Enforce agreements
   

Usage Data is retained for a shorter period unless required for security or compliance.

We take the protection of your Personal Data seriously and implement reasonable administrative, technical, and physical safeguards to protect it.

The Company maintains:

• Strict internal privacy policies
   
• Role-based access controls
   
• Limited access to authorized personnel only
   
• Secure systems designed to prevent unauthorized access, disclosure, or sharing of Personal Data
   

While no system is 100% secure, we continuously review and enhance our safeguards to protect consumer information.

Your information is processed within the United States. No transfer of Personal Data will occur unless adequate safeguards are in place and required by law.

Our services are not intended for individuals under the age of 13. We do not knowingly collect Personal Data from children. If such data is discovered, it will be promptly deleted.

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage users to review their privacy policies.

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised “Last updated” date. Continued use of the Service constitutes acceptance of the updated policy.

If you have any questions or concerns about this Privacy Policy, your Personal Data, or our messaging practices, please contact us:

J. Peter & Associates, LLC
Email: info@jpeterassoc.com