privacy policy
L&J Insurance Services, Inc.
Last updated: October 2, 2026
This Privacy Notice for L&J Insurance Services, Inc. ("L&J Insurance Services, Inc.," "we," "us," or "our") describes how we collect, use, store, disclose, and protect personal information when you visit https://www.envybrokers.com, request insurance information or quotes, communicate with us, or otherwise interact with our services.
L&J Insurance Services, Inc. provides insurance-related information and brokerage services for business owners and franchise operators.
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@envybrokers.com.
SUMMARY OF KEY POINTS
Information we collect: We may collect contact information, business and professional information, insurance-related details, and information about how visitors interact with our website.
Sensitive information: Insurance inquiries may involve sensitive personal or business information. We use such information to respond to requests and provide insurance-related services.
Website analytics and advertising: We may use website analytics and advertising technologies, including Google Analytics, Google Ads, and Meta technologies, where implemented, to understand website performance and measure advertising effectiveness.
Your privacy choices: Where optional analytics or advertising cookies are used, visitors can manage their preferences through available website cookie controls.
Information sharing: We may disclose information to service providers, insurance partners, brokerage 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.
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, and business information
Business or franchise location information
Insurance coverage needs and related details
Current or previous insurance information
Claims history, coverage 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 financial information, government identifiers, claims information, or other details relevant to evaluating insurance coverage.
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 the technologies used and your preferences
Some information is necessary for website operation and security. Other information may be 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, brokerage partners, 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
Coordinate with insurance carriers, underwriters, and brokerage partners
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 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, where used
Advertising and campaign measurement providers, where used
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: If we use third-party website tracking technologies, including technologies from Google or Meta, these 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?
Our website may use cookies and similar technologies to support website functionality, understand visitor activity, and evaluate the performance of 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 technologies
We may use website analytics technologies, including Google Analytics 4 (GA4) where implemented, 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 may use advertising and measurement technologies, including Google Ads and Meta advertising technologies, to understand how advertising campaigns perform and reach relevant audiences.
For example, these technologies may help measure when a visitor submits a contact form, requests insurance information, or reaches a confirmation page after making an inquiry.
Where implemented, these technologies may use cookies, pixels, tags, online identifiers, and information about website interactions, subject to applicable consent requirements.
Depending on your consent preferences and the technologies implemented, certain services may send limited measurement signals without using optional advertising or analytics cookies.
Your cookie choices
Where optional analytics or advertising cookies are used, our website may provide cookie preference controls that allow visitors to:
Accept: Allow optional analytics and advertising cookies
Decline: Decline optional cookies
Manage preferences: Review or adjust available cookie settings
You may also manage or delete cookies through your browser settings.
Declining optional cookies does not prevent you from accessing the website or submitting an insurance inquiry.
Additional privacy controls
In addition to available website cookie 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.
If Meta advertising technologies are used, you can review certain advertising preferences through your Meta Accounts Center.
These tools provide additional privacy 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 Facebook, Instagram, and LinkedIn.
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 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, business owners, franchise operators, and other 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
Where available, you may decline optional cookies or modify your preferences using our website's cookie controls.
For other privacy requests, contact hello@envybrokers.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 may provide cookie preference controls that allow visitors to 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:
Category
Examples
Identifiers
Name, email, phone number, address, IP address
Customer records
Contact, financial, and insurance-related information
Protected characteristics
Information provided in connection with insurance inquiries
Commercial information
Insurance services and related transactions
Internet activity
Website visits, interactions, and advertising identifiers
Approximate geolocation
General location inferred from IP address
Professional information
Occupation, business ownership, franchise and employment details
Inferences
Information derived from interactions or inquiries
Sensitive personal information
Certain financial, government identification, claims-related, or insurance-related 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, brokerage partners, and service providers as necessary to provide those services.
If we use third-party analytics or advertising technologies, including Google Analytics, Google Ads, or Meta technologies, these 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 available website cookie preference controls. We also accept privacy-related requests at hello@envybrokers.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.