I.  PRIVACY POLICY

Effective Date: January 1, 2026

CJK Client Services Privacy Policy

CJK Client Services (“Company,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you visit https://cjkclientservices.com (the “Website”).

Information We Collect

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

• Name, email address, phone number

• Business or financial information

• Insurance-related information submitted through forms

• IP address, browser type, and website usage data

We only collect information necessary to provide consulting, insurance-related services, or respond to inquiries.

How We Use Your Information

Your information may be used to:

• Respond to requests and inquiries

• Provide insurance consulting and related services

• Communicate updates, services, or offers

• Improve website functionality and customer experience

• Comply with legal and regulatory obligations

Insurance & Financial Information

Any insurance or financial information you submit is handled in accordance with applicable privacy laws, including the Gramm-Leach-Bliley Act (GLBA), where applicable. We do not request sensitive personal information unless necessary to provide services.

Information Sharing

We do not sell, rent, or trade your personal information. We may share information with:

• Licensed insurance carriers, agents, or partners as necessary to provide services

• Service providers who assist with website operations or communications

• Legal or regulatory authorities, when required by law

Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. However, no internet transmission is 100% secure, and we cannot guarantee absolute security.

Cookies & Analytics

Our Website may use cookies or similar tracking technologies to analyze traffic and improve user experience. You may disable cookies through your browser settings.

Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for their content or privacy practices.

Your Rights

You may request access, correction, or deletion of your personal information by contacting us at:
Email: toolesk@cjkclientservices.com

Policy Updates

We reserve the right to update this Privacy Policy at any time. Updates will be posted on this page with a revised effective date.

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II.  TERMS and CONDITIONS

Effective Date: January 1, 2026

Acceptance of Terms

By accessing or using cjkclientservices.com, you agree to these Terms and Conditions. If you disagree, please discontinue using the Website.

Services Disclaimer

CJK Client Services offers consulting, educational, and informational services related to insurance, business finance, and other relevant fields. Nothing on this Website constitutes legal, tax, or financial advice, nor does it guarantee insurance coverage or outcomes.

Insurance products and services are subject to underwriting guidelines, carrier approval, and state regulations.

No Client or Agent Relationship

Use of this Website or submission of information does not create a client, broker, or agent relationship unless confirmed in writing.

User Responsibilities

You agree to:

• Provide accurate and truthful information

• Use the Website for lawful purposes only

• Not interfere with Website security or functionality

Intellectual Property

All content on this Website, including text, logos, graphics, and branding, is the property of CJK Client Services and may not be reproduced without written permission.

Limitation of Liability

CJK Client Services is not liable for any damages arising from use of this Website or reliance on information provided, including indirect or consequential damages.

Indemnification

You agree to indemnify and hold harmless CJK Client Services from any claims arising from your use of the Website.

Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to conflict-of-law principles.

Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the Website constitutes acceptance of changes.

Contact Information

CJK Client Services
Website: https://cjkclientservices.com
Email: toolesk@cjkclientservices.com

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III.  WEBSITE DISCLAIMER

Effective Date: January 1, 2026

General Disclaimer

The information provided by CJK Client Services on cjkclientservices.com is for general informational and educational purposes only.

No Professional Advice

Content on this Website does not constitute insurance, legal, tax, or financial advice. You should consult appropriate licensed professionals before making decisions based on this information.

No Guarantees

We make no representations or warranties regarding insurance coverage, approval, pricing, or results. All insurance products are subject to carrier underwriting and state regulations.

External Links Disclaimer

This Website may contain links to third-party websites. CJK Client Services is not responsible for the accuracy, content, or reliability of third-party sites.

Limitation of Liability

CJK Client Services shall not be held liable for any losses or damages incurred as a result of using this Website.