Privacy Policy, Consent to Contact, SMS, AI Communications & Insurance Disclosure

Effective Date: July 17, 2026

J J Wright & Associates ("Company," "we," "our," or "us") is committed to protecting your privacy and maintaining the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect information obtained through our website, forms, quote requests, communications, and insurance-related services.

Information We Collect

We may collect personal information that you voluntarily provide, including:

• Name

• Address

• Email address

• Phone number

• Date of birth

• Insurance and financial information

• Mortgage information

• Health-related information when required for insurance applications

• Any other information submitted through our website, forms, surveys, appointment requests, or communications

We may also automatically collect certain website usage information, including:

• IP address

• Browser type

• Device information

• Website usage activity

• Cookies and tracking technology data

How We Use Your Information

We may use your information to:

• Provide insurance quotes and product information

• Evaluate eligibility for insurance products

• Assist with policy applications

• Communicate regarding appointments, quotes, policies, and services

• Respond to inquiries and customer service requests

• Provide educational content and updates

• Improve our website and services

• Comply with legal and regulatory requirements

• Prevent fraud and maintain security

Consent to Contact

By submitting information through our website, completing a quote request, scheduling an appointment, or otherwise providing your contact information, you expressly consent to being contacted by J J Wright & Associates regarding mortgage protection insurance, life insurance, Indexed Universal Life (IUL) insurance, financial services, insurance quotes, policy information, appointments, and related products or services.

You agree that we may contact you using:

• Phone calls

• Mobile phone calls

• Text messages (SMS)

• Email

• Voicemail messages

• Prerecorded messages

• Automated telephone dialing systems

• AI-assisted voice communications

• Other electronic communication methods

Your consent is not a condition of purchasing any product or service.

SMS Messaging Terms

By providing your mobile phone number, you consent to receive text messages from J J Wright & Associates.

SMS communications may include:

• Quote updates

• Appointment reminders

• Follow-up communications

• Customer service notifications

• Policy-related information

• Marketing and promotional communications

Message frequency may vary.

Message and data rates may apply.

You may opt out of text messaging at any time by replying STOP to any text message.

For assistance, reply HELP or contact us directly.

Wireless carriers are not responsible for delayed or undelivered messages.

AI Communications Disclosure

To better serve our clients, J J Wright & Associates may use artificial intelligence (AI), automated software systems, virtual assistants, automated text messaging platforms, and AI-assisted calling technology.

These technologies may be used to:

• Contact prospective clients

• Deliver insurance quote information

• Schedule appointments

• Send reminders

• Answer basic service inquiries

• Provide follow-up communications

• Deliver policy and service updates

By submitting your information, you acknowledge and agree that some communications may be conducted using AI-powered or automated technology.

Information Sharing

We do not sell your personal information.

We may share your information with:

• Insurance carriers

• Insurance wholesalers

• Underwriting organizations

• Licensed agents

• Service providers

• Technology vendors

• Regulatory agencies

• Government authorities when required by law

Information is shared only as necessary to provide services, obtain quotes, issue policies, comply with legal obligations, and operate our business.

Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

Cookies and Tracking Technologies

Our website may use cookies, analytics tools, and similar technologies to improve user experience, monitor website performance, and understand visitor behavior.

You may adjust your browser settings to limit or disable cookies; however, some website functionality may be affected.

Insurance Product Disclaimer

Insurance products offered through J J Wright & Associates are subject to carrier approval, underwriting review, policy provisions, exclusions, limitations, and state availability.

All quotes provided are estimates based on information available at the time of the request.

Quotes do not guarantee:

• Coverage approval

• Policy issuance

• Premium rates

• Policy benefits

• Eligibility

Coverage is not effective until approved by the insurance carrier and a policy has been issued according to carrier requirements.

Not all applicants will qualify for coverage.

No Professional Advice

Information provided through this website is for general informational and educational purposes only.

J J Wright & Associates does not provide legal, tax, accounting, or investment advice.

Clients should consult qualified professionals regarding their specific legal, tax, financial, and estate planning situations.

Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices, content, or security of those websites.

Children's Privacy

Our services are intended for adults. We do not knowingly collect personal information from children under the age of 13.

State Licensing Disclosure

Insurance products are offered through properly licensed insurance professionals where required by law. Product availability and policy features may vary by state.

Limitation of Liability

J J Wright & Associates makes no warranties regarding the accuracy, completeness, or availability of website content, quotes, products, or services.

To the fullest extent permitted by law, J J Wright & Associates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use of this website or reliance on information provided through it.

Your Rights

You may request to:

• Review your personal information

• Update inaccurate information

• Request deletion where permitted by law

• Update communication preferences

• Withdraw consent for marketing communications

Certain information may be retained as required by law, regulation, or business necessity.

Changes to This Policy

J J Wright & Associates reserves the right to update or modify this Privacy Policy at any time. Changes become effective upon posting to this website.

Contact Information

J J Wright & Associates
6380 Cliffdale Rd #25202
Fayetteville, NC 28314
Phone: 910-302-3505
Email: info@jjwright.org
Website: www.jjwright.org

By using this website or submitting your information, you acknowledge that you have read, understood, and agree to this Privacy Policy, including the Consent to Contact, SMS Communications, AI Communications, and Insurance Disclosure provisions contained herein.