Terms of Use
Effective Date: October 11, 2026
Welcome to JRF Services ("we," "us," or "our"). By accessing or using our website located at https://jrf.services (the "Site"), you agree to comply with and be bound by these Terms of Use. If you do not agree to these terms, please do not use our Site.
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1. Scope of Services
JRF Services provides an online platform offering information, instant quotes, and call scheduling for various insurance and protection products, including health insurance, Medicare plans, life insurance, supplemental coverage, and identity theft protection. We operate across all 50 U.S. states.
2. Telephone Consumer Protection Act (TCPA) Compliance & Consent
By providing your phone number and clicking "Submit," "Schedule a Call," "Get Instant Quotes," or any similar call-to-action on our Site, you provide your express written consent to receive communications from JRF Services and its licensed insurance agents.
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Communication Methods: You agree that we may contact you via live phone calls, prerecorded or artificial voice messages, automated telephone dialing systems (ATDS), and SMS/text messages.
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Purpose: These communications will strictly relate to your request for insurance quotes, plan options, or identity protection services.
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No Purchase Required: You acknowledge that giving this consent is entirely voluntary and is not a condition of purchasing any goods, insurance policies, or services from us.
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Carrier Charges: Standard message and data rates applied by your mobile carrier may apply to text messages.
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Revocation (Opt-Out): You may revoke your consent to receive automated calls or text messages at any time. To opt-out of text messages, simply reply "STOP" to any message received. To opt-out of voice calls, you can state your preference during any live call or submit a request via our standard contact channels.
3. CMS & Third-Party Marketing Organization (TPMO) Disclosures
In accordance with the Centers for Medicare & Medicaid Services (CMS) regulations, JRF Services operates as a Third-Party Marketing Organization (TPMO). As such, we are required to prominently display the following standard CMS-mandated disclosure:
"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
Furthermore, by utilizing our Site to connect with an agent, you acknowledge that:
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Plan availability, benefits, and costs vary based on your geographic location (ZIP code and county).
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Our live agents are licensed professionals contracted with select insurance carriers, and they can only enroll you in plans we represent.
4. No Professional Advice
The content on this Site is for informational purposes only and does not constitute professional financial, medical, or legal advice.
5. User Conduct and Information Submission
When you request a quote, submit a contact form, or schedule a call, you agree to provide accurate, current, and complete information. You may not use a false identity or misuse the Site to disrupt our services.
6. Intellectual Property
All content, logos, text, graphics, and software on this Site are the property of JRF Services and are protected by applicable copyright and trademark laws.
7. Limitation of Liability
JRF Services provides this Site on an "as-is" basis. To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of, or inability to use, this Site or the services offered.
8. Changes to Terms
We reserve the right to modify these Terms of Use at any time. Any changes will be posted on this page with an updated effective date.
Privacy Policy
Effective Date: October 11, 2026
At JRF Services, we are committed to protecting your privacy. This Privacy Policy outlines how we collect, use, and safeguard the personal information you provide to us through https://jrf.services.
1. Information We Collect
We collect information you voluntarily provide when interacting with our Site, including:
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Contact Information: First name, last name, email address, phone number, and physical address.
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Quote Data: Demographics, ZIP code, and specific details required to generate accurate health, life, Medicare, or supplemental insurance quotes.
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Communication Logs: Notes and messages submitted through our contact forms or during scheduled calls.
2. Medicare Scope of Appointment (SOA) & Consent to Contact
By submitting your contact information, phone number, or requesting a Medicare plan comparison online, you provide your explicit consent to be contacted by a licensed insurance agent.
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Consent Validity: In accordance with CMS guidelines, your permission to be contacted regarding Medicare options is valid for up to 12 months from the date of your submission, or until you choose to opt out.
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Scope of Appointment: Prior to discussing specific Medicare Advantage or Prescription Drug Plans with a live phone agent, you will be required to complete a formal Scope of Appointment (SOA) form defining the exact types of products you wish to discuss.
3. California Consumer Privacy Act (CCPA/CPRA) Compliance
If you are a resident of California, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), grants you specific rights regarding your Personal Information:
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Right to Know/Access: You have the right to request a disclosure of the specific categories and pieces of Personal Information we have collected about you over the past 12 months.
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Right to Delete: You have the right to request the deletion of the Personal Information we have collected from you, subject to certain regulatory retention exceptions for insurance records.
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Right to Correct: You have the right to request that we correct inaccurate Personal Information that we maintain about you.
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Right to Opt-Out: You have the right to opt-out of the selling or sharing of your personal information (detailed in the notice below).
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Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA privacy rights.
Notice: Do Not Sell or Share My Personal Information
Under the California Consumer Privacy Act (CCPA) and state privacy regulations, consumers have the right to opt-out of the "sale" or "sharing" of their personal information.
Our Policy on Data Sales:
JRF Services does not sell your personal information for monetary compensation. We do not pass your data to data brokers. We only share information with licensed insurance carriers and trusted operational providers to fulfill your explicit request for insurance quotes, plan comparisons, or identity protection information.
However, state laws define "selling" or "sharing" broadly enough that utilizing certain third-party analytics and advertising cookies on our website could be categorized as a data sale or share.
How to Exercise Your Right to Opt-Out:
If you wish to ensure your data is completely restricted from any marketing or cross-context behavioral advertising partnerships, you can exercise your opt-out rights through the following methods:
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Submit an Opt-Out Request Form: Please send an email to support@jrf.services with the subject line "CCPA Opt-Out Request" and include your full name and the phone number/email address associated with your inquiry.
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Call Our Dedicated Compliance Line: Contact us toll-free at 1-833-942-2892 or our office at (919) 234-7323 and request a "Do Not Sell/Share" preference flag for your consumer profile.
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Browser-Based Opt-Out: You may use a Global Privacy Control (GPC) signal on your web browser. Our system is designed to recognize and automatically respect GPC opt-out preferences.
Once received, we will process your opt-out request within 15 business days and ensure your record is suppressed from any cross-context data sharing.
4. How We Use Your Information
We use your information strictly to provide and improve our services, including:
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Generating and delivering insurance and identity protection quotes.
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Connecting you with live, licensed phone agents or scheduling follow-up appointments.
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Sending requested updates, newsletters, or policy information.
5. Data Security
We implement robust administrative, technical, and physical security measures to protect your personal data from unauthorized access, loss, or alteration.
6. Third-Party Links
Our website may contain links to external social media channels or insurance quote engines. We are not responsible for the privacy practices of these external sites.
7. Contact Us
If you have any questions regarding these Terms, the Privacy Policy, or your privacy rights, please contact us:
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Office Phone: (919) 234-7323
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Toll-Free Call Center: 1-833-942-2892