JF Insurance Cookie Policy

Owner and Data Controller

JF Insurance, 542 S Ward St, Illinois, 61085

Owner contact email: [email protected]

This document informs Users about the technologies that help this Website to achieve the purposes described below. Such technologies allow the Owner to access and store information (for example by using a Cookie) or use resources (for example by running a script) on a User’s device as they interact with this Website.

For simplicity, all such technologies are defined as "Trackers" within this document – unless there is a reason to differentiate.

For example, while Cookies can be used on both web and mobile browsers, it would be inaccurate to talk about Cookies in the context of mobile apps as they are a browser-based Tracker. For this reason, within this document, the term Cookies is only used where it is specifically meant to indicate that particular type of Tracker.

Some of the purposes for which Trackers are used may also require the User's consent. Whenever consent is given, it can be freely withdrawn at any time following the instructions provided in this document.

This Website uses Trackers managed directly by the Owner (so-called “first-party” Trackers) and Trackers that enable services provided by a third-party (so-called “third-party” Trackers). Unless otherwise specified within this document, third-party providers may access the Trackers managed by them.

The validity and expiration periods of Cookies and other similar Trackers may vary depending on the lifetime set by the Owner or the relevant provider. Some of them expire upon termination of the User’s browsing session.

In addition to what’s specified in the descriptions within each of the categories below, Users may find more precise and updated information regarding lifetime specification as well as any other relevant information — such as the presence of other Trackers — in the linked privacy policies of the respective third-party providers or by contacting the Owner.

Activities strictly necessary for the operation of this Website and delivery of the Service

This Website uses so-called “technical” Cookies and other similar Trackers to carry out activities that are strictly necessary for the operation or delivery of the Service.

Third-party Trackers

Tag management

This type of service helps the Owner to manage the tags or scripts needed on this Website in a centralized fashion.

This results in the Users' Data flowing through these services, potentially resulting in the retention of this Data.

Google Tag Manager (Google LLC)

Google Tag Manager is a tag management service provided by Google LLC.

Personal Data processed: Tracker and Usage Data.

Place of processing: United States –


Privacy Policy

Other activities involving the use of Trackers
Measurement

This Website uses Trackers to measure traffic and analyze User behavior to improve the Service.

Analytics

The services contained in this section enable the Owner to monitor and analyze web traffic and can be used to keep track of User behavior.

Google Analytics (Google LLC)

Google Analytics is a web analysis service provided by Google LLC (“Google”). Google utilizes the Data collected to track and examine the use of this Website, to prepare reports on its activities and share them with other Google services.

Google may use the Data collected to contextualize and personalize the ads of its own advertising network.

Personal Data processed: Tracker and Usage Data.

Place of processing: United States –


Privacy Policy


Opt Out

.

Storage duration:

AMP_TOKEN: 1 hour_ga: 2 years_gac*: 3 months_gat: 1 minute_gid: 1 day

Google Analytics 4 (Google LLC)

Google Analytics 4 is a web analysis service provided by Google LLC (“Google”). Google utilizes the Data collected to track and examine the use of this Website, to prepare reports on its activities and share them with other Google services.

Google may use the Data collected to contextualize and personalize the ads of its own advertising network.

In Google Analytics 4, IP addresses are used at collection time and then discarded before Data is logged in any data center or server. Users can learn more by consulting


Google’s official documentation

.

Personal Data processed: browser information, city, device information, session statistics and Trackers.

Place of processing: United States –


Privacy Policy


Opt Out

.

Storage duration:

ga: 2 yearsga_*: 2 years
Marketing

This Website uses Trackers to deliver personalized marketing content based on User behavior and to operate, serve and track ads.
Advertising
This type of service allows User Data to be utilized for advertising communication purposes. These communications are displayed in the form of banners and other advertisements on this Website, possibly based on User interests.

This does not mean that all Personal Data are used for this purpose. Information and conditions of use are shown below.

Some of the services listed below may use Trackers for identifying Users, behavioral retargeting i.e. displaying ads tailored to the User’s interests and behavior, or to measure ads performance. For more information, please check the privacy policies of the relevant services.

Services of this kind usually offer the possibility to opt out of such tracking. In addition to any opt-out feature offered by any of the services below, Users may learn more on how to generally opt out of interest-based advertising within the dedicated section "How to opt-out of interest-based advertising" in this document.

Google Ads conversion tracking (Google LLC)

Google Ads conversion tracking is an analytics service provided by Google LLC that connects data from the Google Ads advertising network with actions performed on this Website.

Personal Data processed: Trackers and Usage Data.

Place of processing: United States –


Privacy Policy

.

Storage duration:

IDE: 2 yearstest_cookie: 15 minutes

Microsoft Advertising (Microsoft Corporation)

Microsoft Advertising is an advertising service provided by Microsoft Corporation.

Personal Data processed: Trackers and Usage Data.

Place of processing: United States –


Privacy Policy


Opt Out

.

Storage duration:

MUID: 2 years_uetmsclkid: 3 months_uetmsclkid: indefinite_uetsid: 1 day_uetsid: indefinite_uetvid: 2 years_uetvid: indefinite

TikTok conversion tracking (TikTok Inc.)

TikTok conversion tracking is an analytics and behavioral targeting service provided by TikTok Inc. that connects data from the TikTok advertising network with actions performed on this Website. The TikTok pixel tracks conversions that can be attributed to TikTok ads and enables to target groups of Users on the base of their past use of this Website.

Personal Data processed: device information, Trackers and unique device identifiers for advertising (Google Advertiser ID or IDFA, for example).

Place of processing: United States –


Privacy Policy

.Remarketing

This type of service allows this Website and its partners to inform, optimize and serve advertising based on past use of this Website by the User.

This activity is facilitated by tracking Usage Data and by using Trackers to collect information which is then transferred to the partners that manage the remarketing and behavioral targeting activity.

Some services offer a remarketing option based on email address lists.

In addition to any opt-out feature provided by any of the services below, Users may opt out by visiting the


Network Advertising Initiative opt-out page

.

Users may also opt-out of certain advertising features through applicable device settings, such as the device advertising settings for mobile phones or ads settings in general

.

Google Ads Remarketing (Google LLC)

Google Ads Remarketing is a remarketing and behavioral targeting service provided by Google LLC that connects the activity of this Website with the Google Ads advertising network and the DoubleClick Cookie.


Users can opt out of Google's use of Trackers for ads personalization by visiting Google's


Ads Settings

.

Personal Data processed: Tracker and Usage Data.

Place of processing: United States –


Privacy Policy


Opt Out

.

Storage duration:

AID: 2 yearsANID: 2 yearsConversion: 3 monthsDSID: 14 daysFCNEC: 1 yearFLC: 10 secondsFPAU: 3 monthsFPGCLAW: 3 monthsFPGCLDC: 3 monthsFPGCLGB: 3 monthsIDE: 2 yearsNID: 6 monthsRUL: 1 yearTAID: 14 days__gads: 2 years__gsas: 2 years_gac_: 3 months_gac_gb_: 3 months_gcl_au: 3 months_gcl_aw: 3 months_gcl_dc: 3 months_gcl_gb: 3 months_gcl_gf: 3 months_gcl_ha: 3 monthsid: 2 yearstest_cookie: 15 minutes

TikTok Remarketing (TikTok Inc.)

TikTok Remarketing is a remarketing and behavioral targeting service provided by TikTok Inc. that connects the activity of this Website with the TikTok advertising network.

Personal Data processed: device information, Trackers and unique device identifiers for advertising (Google Advertiser ID or IDFA, for example).

Place of processing: United States –


Privacy Policy

.How to manage preferences and provide or withdraw consent

There are various ways to manage Tracker related preferences and to provide and withdraw consent, where relevant:

Users can manage preferences related to Trackers from directly within their own device settings, for example, by preventing the use or storage of Trackers.

Additionally, whenever the use of Trackers is based on consent, Users can provide or withdraw such consent by setting their preferences within the cookie notice or by updating such preferences accordingly via the relevant consent-preferences privacy widget, if available.

It is also possible, via relevant browser or device features, to delete previously stored Trackers, including those used to remember the User’s initial consent preferences.

Other Trackers in the browser’s local memory may be cleared by deleting the browsing history.

With regard to any third-party Trackers, Users can manage their preferences via the related opt-out link (where provided), by using the means indicated in the third party's privacy policy, or by contacting the third party.

Locating Tracker Settings

Users can, for example, find information about how to manage Cookies in the most commonly used browsers at the following addresses:

Google ChromeMozilla FirefoxApple SafariMicrosoft Internet ExplorerMicrosoft EdgeBraveOpera

Users may also manage certain categories of Trackers used on mobile apps by opting out through relevant device settings such as the device advertising settings for mobile devices, or tracking settings in general (Users may open the device settings and look for the relevant setting).

How to opt out of interest-based advertising

Notwithstanding the above, Users may follow the instructions provided by


YourOnlineChoices

(EU and UK), the


Network Advertising Initiative

(US) and the


Digital Advertising Alliance

(US),


DAAC

(Canada),


DDAI

(Japan) or other similar services. Such initiatives allow Users to select their tracking preferences for most of the advertising tools. The Owner thus recommends that Users make use of these resources in addition to the information provided in this document.

The Digital Advertising Alliance offers an application called


AppChoices

that helps Users to control interest-based advertising on mobile apps.

Consequences of denying the use of Trackers

Users are free to decide whether or not to allow the use of Trackers. However, please note that Trackers help this Website to provide a better experience and advanced functionalities to Users (in line with the purposes outlined in this document). Therefore, if the User chooses to block the use of Trackers, the Owner may be unable to provide related features.

Since the use of third-party Trackers through this Website cannot be fully controlled by the Owner, any specific references to third-party Trackers are to be considered indicative. In order to obtain complete information, Users are kindly requested to consult the privacy policies of the respective third-party services listed in this document.

Given the objective complexity surrounding tracking technologies, Users are encouraged to contact the Owner should they wish to receive any further information on the use of such technologies by this Website.

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Frequently Asked Questions

Are you sure there are no medical exams?

That's right, with a non-medical insurance policy you don't need to have a medical to get coverage

I'm a tobacco user, can I still get coverage?

Absolutely! In fact, if you haven't used tobacco products in the past 12-months you could possibly qualify for non-smoker rates.

How much is life insurance?

Term life insurance is generally the least expensive type of life insurance you can buy. Your specific premium will be based on your age at the time you purchase the policy, as well as on your overall health

I have pre-existing health conditions, can I still get covered?

Yes! Non-medical life insurance is the perfect option for Americans with pre-existing conditions. Where other large insurance companies may rate your policy or decline you, the companies our advisors work with specialize in helping to insure you can get coverage.