This Privacy Policy describes how we collect, use, and disclose your information when you use our website and services, and explains your privacy rights and how the law protects you.
By using our services, you agree to the collection and use of information in accordance with this Privacy Policy.
Interpretation and Definitions
Interpretation
Words with initial capital letters have meanings defined in this section, and these definitions apply whether they appear in singular or plural form.
Definitions
For the purposes of this Privacy Policy:
Account means a unique account created for you to access our services.
Affiliate / Partner means an entity that controls, is controlled by, or is under common control with us.
Company (“the Company”, “we”, “us”, or “our”) refers to Johnson and johnson financial, llc, 2031 E Edgewood Dr, suite 3 Lakeland, Florida 33803
Cookies are small files placed on your device by a website, used to store certain information such as preferences or usage data.
Country refers to the United States, and specifically the states in which we operate and offer services.
Device means any device that can access our services, such as a computer, smartphone, or tablet.
Personal Data means any information that relates to an identified or identifiable individual.
Service refers to our website and any related online tools, forms, or communication channels provided by Johnson and johnson financial, llc.
Service Provider means any natural or legal person who processes data on our behalf, such as hosting providers, analytics providers, and messaging platforms.
Third‑Party Social Media Service refers to any social network or platform that allows you to connect with or log in to our services.
Usage Data refers to data collected automatically when you use our services (for example, page views, browser type, and session duration).
You means the individual using our services, or the company or other legal entity on whose behalf such individual is using our services.
Collecting and Using Your Personal Data
Types of Data Collected
Personal Data
While using our services, we may ask you to provide certain personally identifiable information that can be used to contact or identify you. This may include:
First and last name
Email address
Phone number
Mailing address (street, city, state, ZIP/postal code)
Property information and basic financial details needed for insurance pre‑qualification or application
Any other information you choose to provide through our forms, calls, or messages
Usage Data
Usage Data is collected automatically when you use our website or other online services. This may include your device’s IP address, browser type, browser version, pages visited, time and date of visit, time spent on pages, and other diagnostic data.
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies (such as pixels, tags, and scripts) to track activity on our website and store certain information, to help us improve performance and user experience.
Types of Cookies We Use
Necessary / Essential Cookies (Session) – Required to operate the website, authenticate users, and prevent fraudulent use of accounts.
Preference / Functionality Cookies (Persistent) – Remember your preferences (such as form data or language) to provide a more personalized experience.
Analytics / Performance Cookies (Persistent) – Help us understand how visitors use our website, so we can improve layout, content, and functionality.
You may set your browser to refuse Cookies or to indicate when a Cookie is being sent; however, some parts of our website may not function properly if Cookies are disabled.
Use of Your Personal Data
Johnson and johnson financial, llc may use Personal Data for the following purposes:
To provide and maintain our services – Including processing mortgage inquiries, pre‑qualifications, and applications.
To manage your Account – Enabling you to access certain features or saved information.
To perform a contract – Including activities related to insurance applications, disclosures, and other agreements you enter into with us.
To contact you – By email, phone, SMS/text message, or other electronic means regarding updates, application status, or service‑related information.
To send marketing communications – With your consent, we may send information about mortgage programs, rate updates, and related services; you may opt out at any time.
To manage your requests – Such as inquiries, support questions, or requests for information.
For analytics and improvement – To analyze usage trends, improve our website and services, and develop new features.
For business transfers – In the event of a merger, acquisition, or asset sale, your Personal Data may be transferred as part of the transaction.
For legal and compliance purposes – To comply with legal obligations, resolve disputes, and enforce our agreements.
We do not sell your Personal Data.
Retention of Your Personal Data
We retain Personal Data only as long as necessary for the purposes set out in this Privacy Policy, including compliance with legal, regulatory, and reporting obligations. Usage Data is generally kept for a shorter period unless needed to improve security, functionality, or as required by law.
Transfer of Your Personal Data
Your information may be processed at our offices and in other locations where our Service Providers are located, which may be outside your state or country. We take reasonable steps to ensure that your data is handled securely and in accordance with this Privacy Policy and applicable laws.
Deletion and Access to Your Personal Data
You have the right to request access to, correction of, or deletion of your Personal Data, subject to certain legal and regulatory limitations. You may contact us using the information in the Contact Us section to make these requests.
We may retain certain information when we have a legal obligation or legitimate business interest to do so (for example, recordkeeping, fraud prevention, or regulatory requirements).
Disclosure of Your Personal Data
We may disclose Personal Data in the following situations:
Business Transactions – In connection with a merger, acquisition, or sale of assets, where Personal Data may be transferred as part of the transaction.
Law Enforcement / Legal Requirements – When required by law or in response to valid legal requests (e.g., court orders, government inquiries).
Protection of Rights – To protect and defend the rights, property, or safety of the Company, our customers, or the public, or to prevent or investigate potential wrongdoing.
Security of Your Personal Data
We use reasonable technical and organizational measures to protect your Personal Data; however, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
Third‑Party Service Providers and Analytics
We may use third‑party Service Providers to monitor and analyze the use of our website and to help us deliver our services. These providers may collect Usage Data and other information as described in their own privacy policies.
For analytics and tracking, we may use tools such as web analytics platforms that help us understand traffic, user behavior, and campaign performance.
Email and SMS Marketing
We may use your Personal Data to send you email or SMS messages about mortgage programs, rate updates, or other services that may be of interest, provided you have given appropriate consent where required by law. You may opt out of marketing messages at any time using the unsubscribe instructions in our emails or texts.
Payments
If we collect payments for certain services (such as consultation fees or credit report charges), payment information may be processed by third‑party payment processors that comply with industry security standards. We do not store full payment card numbers on our own systems.
Behavioral Remarketing and Advertising
We may use remarketing and advertising tools to show you ads on third‑party websites or platforms based on your interactions with our website, subject to applicable laws and platform policies. These tools may use Cookies or similar technologies to tailor advertising content and measure effectiveness.
Children’s Privacy
Our services are not directed to individuals under the age of 13, and we do not knowingly collect Personal Data from children under 13. If we become aware that a child under 13 has provided Personal Data, we will take steps to delete such information.
Links to Other Websites
Our website may contain links to websites that are not operated by us, such as lender partners or educational resources. We are not responsible for the content or privacy practices of those sites and encourage you to review their privacy policies.
Program Description
By providing your mobile phone number and opting in, you agree to receive SMS/text messages from Johnson and johnson financial, llc related to your insurance inquiries, application status, reminders, and occasional marketing messages about mortgage and home‑financing products.
Message Frequency and Rates
Message frequency may vary based on your interactions with us, such as new inquiries, status updates, and follow‑ups. Message and data rates may apply, depending on your mobile carrier plan.
Opt‑In Consent
By submitting a form that includes your phone number and an explicit consent checkbox or by texting a designated keyword to our number, you provide express consent to receive SMS messages from Johnson and johnson financial, llc at the phone number you provided. Consent is not a condition of obtaining a loan or any other service from us.
Opt‑Out Instructions
You may opt out of receiving SMS messages at any time by replying “STOP” to any message we send. After you send “STOP,” we may send a final confirmation message to confirm that you have been unsubscribed, and then you will no longer receive SMS messages from us.
Help Instructions
For help with our SMS program, reply “HELP” to any message we send, or contact us using the details in the Contact Us section.
Data Sharing for SMS
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt‑in data and consent will not be shared with any third parties, except for aggregators and providers who assist us in delivering SMS services and only to the extent necessary to provide those services.
SMS Data Security and Privacy
SMS data is treated as Personal Data and handled in accordance with this Privacy Policy, including applicable security and retention practices.
Contact Us
If you have any questions about this Privacy Policy or our data practices, you can contact us: