California Privacy Notice

This California Privacy Notice supplements the information contained in our Privacy Policy and applies solely to California residents. This Notice is intended to comply with the California Consumer Privacy Act of 2018 ("CCPA"), as amended by the California Privacy Rights Act ("CPRA"), and related implementing regulations.

As used in this Notice, "personal information" has the meaning assigned under California law.

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Scope

Insurance, Financial, and Health Information Privacy

Information We Collect

Sources of Information

How We Use Personal Information

Disclosure of Personal Information

Sale and Sharing of Personal Information

Retention of Personal Information

California Privacy Rights

Authorized Agents

Verification of Requests

Service Provider and Contractor Relationships

Exercising Privacy Rights

Changes to This California Privacy Notice

Scope of this Notice

Forrest T. Jones & Co, Inc.® (“FTJ”, "Company," "we," "our," or "us") is a licensed insurance agency and broker that markets, administers, services, and supports insurance products and association-sponsored insurance programs.

Depending on the circumstances, we may collect and process personal information:

As an insurance broker;
As a licensed insurance agency;
As an administrator of insurance programs;
As a service provider or contractor acting on behalf of insurers, associations, trusts, employers, or other program sponsors; or

Insurance, Financial, and Health Information Privacy

Certain personal information collected, processed, maintained, or disclosed in connection with insurance transactions, financial products and services, insurance administration activities, healthcare operations, employee benefits, and related services may be governed by federal and state privacy laws that differ from the CCPA/CPRA.

These laws may include:

The Gramm-Leach-Bliley Act ("GLBA");
The California Insurance Information and Privacy Protection Act ("IIPPA");
The Health Insurance Portability and Accountability Act ("HIPAA"); and
Other applicable federal and state privacy laws.

Information collected in connection with insurance applications, underwriting, enrollment, eligibility determinations, policy issuance, policy servicing, claims administration, customer service, fraud prevention, and other insurance transaction activities may qualify for exemptions under applicable federal or state law. As a result, certain California privacy rights described in this Notice may not apply to all information we maintain. Where applicable, we process and protect personal information in accordance with those laws.

Categories of Personal Information We Collect

During the preceding twelve (12) months, we may have collected the following categories of personal information:

Identifiers

Name
Mailing address
Telephone number
Email address
Online identifiers
IP address

Personal Records Information

Insurance application information
Enrollment information
Customer account information
Financial information

Protected Classification Information

Age
Gender
Marital status (where relevant to insurance products)

Commercial Information

Insurance products purchased or considered
Coverage information
Transaction history

Internet or Electronic Network Activity

Browser information
Device information
Website usage information
Cookie and analytics information for operational and performance-related purposes

Geolocation Data

Approximate location information derived from IP address or device data

Professional or Employment Information

Employer information
Occupation
Employment-related information

Sensitive Personal Information

Where necessary and permitted by law:

Social Security number
Driver's license information
Financial account information
Certain health-related information
Insurance eligibility information

Sources of Personal Information

We may collect personal information from:

Directly from you;
Insurance applications and forms;
Insurance carriers;
Associations and membership organizations;
Employers and plan sponsors;
Third-party administrators;
Service providers;
Website interactions;
Cookies and similar technologies; and
Publicly available sources.

Purposes for Collecting and Using Personal Information

We may collect, use, retain, and disclose personal information for the following purposes:

Providing insurance products and services;
Quoting and underwriting insurance coverage;
Processing applications and enrollments;
Administering association-sponsored insurance programs;
Determining eligibility;
Servicing policies;
Supporting claims administration;
Communicating with consumers and members;
Operating and improving our websites;
Security and fraud prevention;
Auditing and compliance activities;
Meeting legal and regulatory obligations; and
Other business purposes permitted by applicable law.

Disclosure of Personal Information

We may disclose personal information to:

Insurance carriers;
Reinsurers;
Third-party administrators;
Claims administrators;
Insurance support organizations;
Associations and program sponsors;
Professional advisors;
Technology and hosting providers;
Payment processors;
Government agencies or regulators when required by law.

Where required, we maintain contractual protections governing such disclosures.

Sale and Sharing of Personal Information

We do not sell or share personal information as those terms are defined under California law.

Retention of Personal Information

We retain personal information only for as long as reasonably necessary to:

Provide products and services;
Administer insurance programs;
Meet regulatory and record-retention requirements;
Resolve disputes;
Enforce agreements; and
Protect our legal interests.

Retention periods vary based upon the type of information collected, the purpose for which it was collected, applicable legal and regulatory requirements, contractual requirements, claims administration needs, and business necessity.

California Privacy Rights

Subject to applicable exemptions and limitations, California residents may have the following rights:

Right to Know

You may request information regarding:

The categories of personal information collected;
The sources from which personal information was collected;
The purposes for collection, use, disclosure, sale, or sharing;
The categories of third parties receiving information; and
The specific pieces of personal information maintained about you.

Right to Access

You may request a copy of personal information maintained about you.

Right to Correct

You may request correction of inaccurate personal information maintained about you.

Right to Delete

You may request deletion of personal information, subject to applicable exceptions.

Right to Opt Out of Sale or Sharing

To the extent applicable, you may direct us not to sell or share your personal information. (See “Sale and Sharing of Personal Information” provision within this policy.)

Right to Limit Use of Sensitive Personal Information

Where applicable, you may request limitations on certain uses of sensitive personal information. Certain uses and disclosures of sensitive personal information may be exempt from this right under applicable federal or state law.

Right to Data Portability

You may request that certain personal information be provided in a portable and readily usable format.

Right to Non-Discrimination

We will not discriminate against you for exercising any rights available under California privacy law.

Unless permitted by law, we will not:

Deny goods or services;
Charge different prices or rates;
Provide a different level or quality of service; or
Otherwise treat you differently for exercising your privacy rights.

Nothing in this section limits our ability to process personal information as necessary to underwrite, issue, administer, service, investigate, or pay claims under insurance products or as otherwise permitted or required by applicable law.

Authorized Agents

You may designate an authorized agent to submit a request on your behalf.

We may require verification of:

Your identity;
The agent's identity; and
The agent's authority to act on your behalf.

Verification of Request

We may take reasonable steps to verify your identity before responding to privacy requests to protect personal information from unauthorized access, deletion, or disclosure.

Service Provider and Contractor Relationships

In certain circumstances, we process personal information solely on behalf of insurers, associations, trusts, employers, program sponsors, or other customers. In those circumstances, we may act as a service provider, contractor, or administrator and process personal information only for authorized business purposes consistent with our contractual and legal obligations.

Exercising Privacy Rights

California residents may submit requests to know, access, correct, delete, or otherwise exercise applicable California privacy rights using the contact methods below:

Privacy Office
Forrest T. Jones & Co, Inc.
2600 Grand Blvd. Suite 900
Kansas City, MO 64108
Phone: 800-821-7303
Email: Compliance@ftj.com

Changes to this California Privacy Notice

We may update this Notice periodically. Any revised Notice will be posted with a revised effective date.

Contact Us

Privacy Office
Forrest T. Jones & Co, Inc.
2600 Grand Blvd. Suite 900
Kansas City, MO 64108
Phone: 800-821-7303
Email: Compliance@ftj.com

Last Revised 07/09/2026