PRIVACY POLICY

L&J Insurance Services, Inc.
Last updated: 10/2/2026

This Privacy Notice for L&J Insurance Services, Inc. ("L&J," "we," "us," or "our") describes how we collect, use, store, disclose, and protect personal information when you visit https://www.custommedmal.com, request insurance information or quotes, communicate with us, or otherwise interact with our services.

We respect your privacy and are committed to being transparent about how your information is handled, including our use of cookies, website analytics, and advertising technologies.

If you have questions about this Privacy Notice or our privacy practices, contact us at hello@custommedmal.com.

SUMMARY OF KEY POINTS

• Information we collect: We may collect contact information, professional information, insurance-related details, and information about how visitors interact with our website.

• Sensitive information: Insurance inquiries may involve sensitive personal or professional information. We use such information to respond to requests and provide insurance-related services.

• Website analytics and advertising: We use technologies such as Google Analytics and Google Ads to understand website performance and measure advertising effectiveness.

• Your privacy choices: Visitors can accept, decline, or manage optional cookies through our website's cookie preference controls.

• Information sharing: We may disclose information to service providers, insurance partners, and technology providers as necessary for our operations and services.

• Your rights: Depending on your state of residence, you may have rights to access, correct, delete, or limit certain uses of your personal information.

1. WHAT INFORMATION DO WE COLLECT?

Personal information you provide

We collect information you voluntarily provide when requesting insurance information, submitting a contact form, communicating with our team, or using our services.

Depending on the nature of your inquiry, this information may include:

• Name, email address, telephone number, and mailing address

• Professional title, occupation, specialty, and practice information

• Business or employer information

• Insurance coverage needs and related details

• Professional licensing, claims history, or other information relevant to an insurance inquiry

• Other information you voluntarily provide through forms, email, telephone, or other communications

Sensitive personal information

Certain insurance-related inquiries may involve sensitive information, including details concerning professional claims and disciplinary matters.

We use sensitive information only as reasonably necessary to evaluate inquiries, provide requested services, meet applicable requirements, or for other purposes permitted by law.

We do not intentionally use sensitive insurance inquiry details to personalize advertisements.

Information collected automatically

When you visit our website, we and certain technology providers may automatically collect information including:

• Internet Protocol (IP) address

• Browser type and device characteristics

• Operating system and language preferences

• Referring websites and traffic sources

• Pages visited and interactions with website content

• Dates, times, and general usage activity

• Approximate geographic location inferred from technical information

• Cookie identifiers and other online identifiers, depending on your preferences

Some information is necessary for website operation and security. Other information is collected through optional analytics or advertising technologies, subject to applicable consent requirements and your preferences.

Information from other sources

We may receive information from insurance providers, business partners, public databases, marketing providers, or other sources when relevant to our services and permitted by law.

2. HOW DO WE PROCESS YOUR INFORMATION?

We may use personal information to:

• Respond to insurance inquiries and requests for information

• Evaluate coverage needs and facilitate insurance-related services

• Communicate with prospective and existing clients

• Maintain and improve our website and services

• Understand website traffic and visitor interactions

• Measure the effectiveness of advertising campaigns

• Provide relevant marketing communications where permitted

• Maintain website functionality, security, and fraud prevention

• Fulfill legal, regulatory, and contractual obligations

• Protect our rights and those of our clients and website visitors

We process personal information only for legitimate business purposes, with consent when required, or as otherwise permitted by applicable law.

3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

We may disclose personal information to third parties that assist with our business operations and services, including:

• Insurance carriers, underwriters, and other insurance-related partners

• Website hosting and technology providers

• Customer communication and administrative service providers

• Website analytics providers, including Google Analytics

• Advertising and campaign measurement providers, including Google Ads

• Professional service providers supporting our business operations

These providers may process information according to their respective roles, agreements, and privacy practices.

We may also disclose information when required by law, to protect legal rights, or in connection with a business transfer, acquisition, or similar transaction.

Advertising-related disclosures: Certain website tracking technologies may involve the disclosure of online identifiers and website interaction data to advertising providers. Depending on applicable state law, some of these disclosures may constitute "sharing" for cross-context behavioral advertising or targeted advertising, even when no money is exchanged.

We do not intentionally transmit sensitive insurance inquiry details to advertising providers for targeted advertising purposes.

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

Yes. We use cookies and similar technologies to support website functionality, understand visitor activity, and evaluate the performance of our advertising.

Essential cookies

Certain cookies and technologies support core website functions, security, and the storage of privacy preferences.

These technologies may operate independently of optional analytics or advertising consent where permitted by law.

Analytics cookies

We use Google Analytics 4 (GA4) to understand how visitors find and interact with our website.

Depending on your privacy choices and the configuration of these services, analytics may collect information such as pages visited, referral sources, website interactions, and technical device information.

Google's privacy practices are described at https://policies.google.com/privacy.

Advertising and conversion measurement

We use Google Ads and related measurement technologies to understand how our advertising campaigns perform.

For example, we may measure when a visitor submits a contact form or reaches a confirmation page after making an inquiry.

These technologies may use cookies, online identifiers, and information about website interactions, subject to applicable consent requirements. Depending on your consent preferences, certain technologies may send limited measurement signals without using optional advertising or analytics cookies.

We use Google's consent-related controls to communicate visitors' privacy preferences to supported Google technologies.

Your cookie choices

When visiting our website, you can use our cookie banner to:

• Accept all: Allow optional analytics and advertising cookies

• Decline all: Decline optional cookies

• Manage cookies: Review or adjust your cookie preferences

You may also change your preferences through the website's cookie preference controls, where available. Declining optional cookies does not prevent you from accessing the website or submitting an insurance inquiry.Some browsers also allow you to manage or delete cookies directly.

Additional privacy controls

In addition to our website's cookie preference controls, you can manage certain Google advertising preferences through Google's Ads Settings or use the Google Analytics Opt-out Browser Add-on to limit Google Analytics tracking in supported browsers.

These tools provide additional choices but may not prevent all information collection or measurement activities.

Other tracking technologies

Our website may use pixels, tags, and similar technologies to measure advertising and website interactions. We periodically review these technologies and their configuration to limit unnecessary data collection.

5. HOW DO WE HANDLE SOCIAL MEDIA INTERACTIONS?

Our website may link to third-party social media platforms, including LinkedIn, Facebook, and Instagram.

If you interact with our organization through those platforms, the platform may process information according to its own privacy policies.

Links to third-party social media platforms do not necessarily mean that those platforms receive information through embedded tracking technologies on our website.

6. HOW LONG DO WE KEEP YOUR INFORMATION?

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Notice, including responding to inquiries, providing insurance-related services, maintaining business records, and meeting applicable legal or regulatory obligations.

Retention periods may vary depending on the type of information and the applicable requirements.

When information is no longer needed, we take reasonable steps to delete, de-identify, or securely retain it as appropriate.

7. HOW DO WE KEEP YOUR INFORMATION SAFE?

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, disclosure, alteration, or loss.

However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

We encourage visitors to avoid submitting unnecessary sensitive personal information through general website contact forms.

8. DO WE COLLECT INFORMATION FROM MINORS?

Our services are intended for adults and business or healthcare professionals.

We do not knowingly collect personal information from or market our services to children under 18.

If we become aware that we have collected personal information from a minor without appropriate authorization, we will take reasonable steps to delete it.

9. WHAT ARE YOUR PRIVACY RIGHTS?

Depending on where you reside and which laws apply, you may have the right to:

• Request access to personal information we maintain about you

• Request correction of inaccurate information

• Request deletion of certain personal information

• Request a copy of your personal information

• Withdraw consent where processing is based on consent

• Opt out of certain targeted advertising or personal information sharing

• Limit certain uses or disclosures of sensitive personal information

• Exercise applicable rights without unlawful discrimination

These rights are subject to applicable exceptions and limitations.

Marketing communications

You may unsubscribe from promotional emails by using the unsubscribe link provided in those communications or by contacting us directly.

We may continue sending nonpromotional communications relating to inquiries, services, or other necessary business matters.

Cookie preferences

You may decline optional cookies or modify your preferences using our website's cookie controls.

For other privacy requests, contact hello@custommedmal.com.

10. DO-NOT-TRACK AND PRIVACY PREFERENCE SIGNALS

Some web browsers offer Do-Not-Track (DNT) settings or other privacy preference signals that allow users to communicate their tracking preferences.

Our website provides cookie preference controls that allow visitors to accept, decline, or manage optional cookies used for analytics and advertising. You can also manage certain tracking preferences through your browser settings.

We review our privacy practices and website technologies periodically to account for applicable privacy requirements, including recognized opt-out preference signals where required by law.

11. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

Residents of certain U.S. states, including California and other states with comprehensive consumer privacy laws, may have additional privacy rights.

The applicability of these laws and available rights depends on factors including the individual's residence, the type of information involved, the nature of the processing, and whether the relevant law applies to our business.

Categories of information

Depending on your interactions with us, we may collect the following categories of information:

We collect these categories only as applicable to particular interactions and services.

Sources and purposes

Information may come directly from individuals, their representatives, service providers, insurance-related partners, public sources, or website technologies.

The purposes for collecting and processing information are described in Sections 1 and 2.

Sale and sharing of personal information

We use personal information submitted through insurance inquiries to respond to requests and facilitate insurance-related services. We may disclose this information to insurance carriers, underwriters, and service providers as necessary to provide those services.

We use certain third-party technologies, including Google Analytics and Google Ads, to understand website activity and measure advertising performance. These technologies may involve the disclosure of online identifiers and website interaction information to third parties. Depending on applicable privacy laws, some of these disclosures may be considered "sharing" for cross-context behavioral advertising, targeted advertising, or a "sale" of personal information, even when no monetary exchange occurs.

Visitors can manage optional analytics and advertising cookies through our website's cookie preference controls. We also accept privacy-related requests at hello@custommedmal.com, including applicable requests to opt out of the sale or sharing of personal information.

California privacy rights

California residents may have rights under applicable California privacy laws, including rights to know, access, correct, delete, opt out of certain sales or sharing, and limit certain uses of sensitive personal information.

We will respond to applicable requests according to legal requirements and available exceptions.

California Shine the Light

California residents may request information regarding certain disclosures of personal information to third parties for their direct marketing purposes, as provided under California Civil Code Section 1798.83.

Requests may be submitted using the contact information below.

Other state privacy rights

Depending on applicable state law, residents may have additional rights involving personal information access, portability, correction, deletion, targeted advertising, sensitive information, and certain automated processing or profiling activities.

Where required by law, these rights may also include requesting information about the categories or specific third parties to whom personal information has been disclosed, or opting out of profiling used to make decisions that produce legal or similarly significant effects.

Exercising your rights

To submit a privacy request, contact:

Email: hello@custommedmal.com
Website: https://www.custommedmal.com/contact

We may take reasonable steps to verify your identity or authorization before fulfilling a privacy request. If necessary, we may request additional information for verification or security purposes.

Where permitted by applicable law, an authorized agent may submit a request on your behalf.

If we decline to take action on a request, you may have the right to appeal that decision. Appeals may be submitted to hello@custommedmal.com. We will review and respond to applicable appeals in accordance with relevant legal requirements, including providing information about additional complaint options where required.

12. DO WE MAKE UPDATES TO THIS NOTICE?

We may update this Privacy Notice to reflect changes in our services, website technologies, privacy practices, or applicable requirements.

The most recent revision date will appear at the top of this notice.

We encourage visitors to review this page periodically.

13. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

Email: hello@custommedmal.com
Website: https://www.custommedmal.com

14. HOW CAN YOU REVIEW, UPDATE, OR DELETE YOUR INFORMATION?

You may contact us to request access to, correction of, or deletion of personal information we maintain about you, subject to applicable law.

Submit requests to hello@custommedmal.com or through our website contact page.

We will review and respond to requests according to applicable requirements.