Effective Date: September 1, 2026
Last Updated: September 1, 2026
MyBrokerJoe.com (“MyBrokerJoe,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide when you visit or use MyBrokerJoe.com (the “Website”), request information, request an insurance quote, schedule an appointment, contact us, communicate with us, or otherwise use our services.
This Privacy Policy explains what information we collect, how we use it, when we may share it, how we protect it, and the choices available to you.
By accessing or using the Website, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Website or submit personal information through it.
MyBrokerJoe.com is operated by Joe Martinez (“Joe,” “I,” “we,” “us,” or “MyBrokerJoe”), an independent life insurance and retirement professional.
MyBrokerJoe provides information and assistance concerning insurance and financial protection products, which may include Final Expense, Whole Life, Term Life, Mortgage Protection, Indexed Universal Life (“IUL”), Fixed Indexed Annuities, retirement rollovers, and related products.
Insurance applications, underwriting, eligibility, rates, benefits, and policy terms are determined by the applicable insurance carrier.
We may collect personal information that you voluntarily provide when you:
Depending on the service requested, information may include:
You are not required to provide information unless it is reasonably necessary to respond to your request or provide the requested service. However, certain quotes, applications, products, or services cannot be provided without required information.
When you visit the Website, certain information may automatically be collected through your browser, device, hosting provider, analytics services, cookies, pixels, or similar technologies.
This information may include:
We use this information to operate, secure, maintain, analyze, and improve the Website.
We may use information we collect to:
Providing information to MyBrokerJoe does not guarantee that you will qualify for insurance coverage, a specific premium, a specific benefit, or approval by an insurance carrier.
When you request insurance information or assistance, we may share information with insurance carriers, insurance agencies, general agencies, marketing organizations, technology providers, customer relationship management platforms, appointment scheduling services, communication providers, and other parties necessary to respond to your request or facilitate the services you requested.
These parties may include providers that assist with:
We seek to limit information shared to what is reasonably necessary for the applicable purpose.
Third parties may have their own privacy policies governing their handling of information.
If you voluntarily provide information regarding your health, medical history, prescriptions, tobacco use, or other insurance underwriting information, we may use that information solely for legitimate purposes related to your insurance inquiry, quote, application, underwriting, servicing, or other purpose authorized by you or permitted by law.
Certain health and insurance information may be subject to federal or state privacy laws and may also be maintained by insurance carriers or other regulated entities under their own privacy policies.
We do not request that you submit Social Security numbers, financial account credentials, passwords, or other highly sensitive information through ordinary Website contact forms unless specifically instructed through a secure application or carrier-approved process.
If you provide your telephone number or email address and request information, a quote, an appointment, or other assistance, we may contact you regarding your request.
Depending on the communication method and applicable law, communications may include:
You may opt out of promotional communications as described in our SMS/Text Messaging Consent and Communications Policy below.
Opting out of marketing communications does not necessarily prevent communications relating to an existing inquiry, application, appointment, transaction, policy, or other service-related matter where legally permitted.
MyBrokerJoe.com may use cookies, pixels, tags, analytics technologies, and similar technologies.
These technologies may be used to:
You may control cookies through your browser settings. Disabling cookies may affect certain Website functions.
The Website currently uses Google reCAPTCHA to help protect forms and Website functionality from spam and automated abuse. Google may collect information according to its own privacy practices.
We may use third-party analytics, advertising, and marketing technologies to understand Website traffic and improve our marketing.
These technologies may collect information concerning your interaction with the Website and advertisements.
Where applicable law provides a right to opt out of certain targeted advertising, sale, or sharing activities, we will provide the required mechanism.
The Website may provide a link allowing visitors to communicate with MyBrokerJoe through WhatsApp.
If you choose to use WhatsApp or another third-party communication platform, your use of that platform is subject to the platform's own terms and privacy policy.
MyBrokerJoe does not control the privacy or security practices of third-party communication platforms.
We may disclose information when reasonably necessary to:
If MyBrokerJoe or substantially all of its assets are acquired, transferred, merged, reorganized, or otherwise transferred, personal information may be transferred as part of the transaction, subject to applicable law.
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information.
However, no electronic transmission or storage system is completely secure. We cannot guarantee absolute security.
We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to:
Retention periods may vary depending upon the type of information and the purpose for which it was collected.
MyBrokerJoe.com is not directed toward children under 13 years of age.
We do not knowingly collect personal information from children under 13. If we become aware that we have collected such information, we will take reasonable steps to delete it.
The Website may contain links to third-party websites, including insurance carriers, scheduling platforms, social media platforms, WhatsApp, Google services, or other websites.
We are not responsible for the privacy, security, content, or practices of third-party websites.
You should review the privacy policy of each third-party website you visit.
California residents may have privacy rights under the California Consumer Privacy Act (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”), depending on whether and how the law applies to the business and the information involved.
These rights may include:
The CCPA also provides certain exceptions and exemptions, including for particular categories of information regulated by other laws.
Additional California-specific information is provided in our California CCPA/CPRA Privacy Notice.
Some browsers provide a “Do Not Track” feature.
Because there is not a universally accepted standard governing how websites must respond to Do Not Track signals, MyBrokerJoe may not respond to those signals.
Where legally required, we will honor applicable privacy preference signals.
We may update this Privacy Policy from time to time.
When changes are made, we will update the Effective Date at the top of this policy.
Your continued use of the Website after an updated policy is posted constitutes acknowledgment of the updated policy to the extent permitted by law.
For privacy questions or requests, contact:
Joe Martinez / MyBrokerJoe.com
Phone/Text: 909-788-9151
Email: joemartinezffl@gmail.com
Website: MyBrokerJoe.com
Last Updated: September 1, 2026
Effective Date: September 1, 2026
Welcome to MyBrokerJoe.com (“Website”). These Terms & Conditions (“Terms”) govern your access to and use of the Website and services provided through it.
By accessing or using the Website, you agree to these Terms. If you do not agree, please discontinue use of the Website.
MyBrokerJoe.com is operated by Joe Martinez and provides educational information, insurance-related assistance, and access to insurance and retirement product information.
Products discussed on the Website may include:
Availability varies by state, carrier, product, underwriting requirements, and individual circumstances.
Information on the Website is provided for general marketing, informational, and educational purposes.
Nothing on the Website constitutes:
You should consult an appropriately licensed professional regarding your individual legal, tax, investment, or financial circumstances.
Insurance products are subject to the terms, conditions, exclusions, limitations, underwriting guidelines, and claims-paying ability of the issuing insurance carrier.
Quotes and illustrations are not contracts of insurance.
Coverage is not effective until the applicable insurance carrier approves the application and all required conditions for coverage are satisfied.
Submitting a quote request, application, or inquiry does not guarantee insurance approval.
Insurance carriers independently determine eligibility and underwriting requirements.
Your age, health history, tobacco use, medications, occupation, lifestyle, financial information, and other factors may affect eligibility, premiums, benefits, or policy terms.
We make reasonable efforts to provide accurate information, but we do not guarantee that all Website information is complete, current, or error-free.
Insurance products, carrier offerings, rates, benefits, state availability, and underwriting requirements may change without notice.
The Website may link to or integrate with third-party services, including:
Your use of third-party services is subject to their respective terms and privacy policies.
Appointment requests submitted through the Website are requests and are not guaranteed until confirmed.
You agree to provide accurate contact information when scheduling an appointment.
If you need to cancel or reschedule, please contact Joe Martinez as soon as reasonably possible.
By voluntarily providing your telephone number or email address and requesting information through the Website, you authorize MyBrokerJoe to communicate with you regarding your request, subject to applicable law.
Marketing communications may require separate consent where required by law.
See the MyBrokerJoe SMS/Text Messaging Consent Policy for additional information.
You agree not to:
Unless otherwise indicated, Website content, including text, graphics, logos, images, videos, branding, and original materials, belongs to MyBrokerJoe or its respective licensors.
You may view and use Website content for personal, non-commercial purposes.
You may not reproduce, distribute, modify, publish, sell, or commercially exploit Website content without written permission.
Testimonials, reviews, and other consumer statements appearing on the Website represent the experiences or opinions of the individuals providing them.
Individual results and experiences may vary.
To the maximum extent permitted by applicable law, MyBrokerJoe and Joe Martinez will not be responsible for indirect, incidental, consequential, special, or punitive damages arising from your use of or inability to use the Website.
Nothing in these Terms excludes liability that cannot legally be excluded under applicable law.
To the extent permitted by law, you agree to indemnify and hold harmless MyBrokerJoe and Joe Martinez from claims, liabilities, damages, losses, and expenses arising from your unlawful use of the Website, violation of these Terms, or misuse of Website content.
Your use of the Website is also governed by the MyBrokerJoe Privacy Policy and applicable California Privacy Notice.
We may modify these Terms at any time.
Updated Terms will be posted on the Website with a revised Effective Date.
Your continued use of the Website after changes are posted constitutes acceptance of the updated Terms to the extent permitted by law.
These Terms shall be interpreted under applicable federal and California law, except where another jurisdiction's law is required to apply.
Nothing in these Terms limits any rights or protections that cannot legally be waived.
Questions regarding these Terms may be directed to:
Joe Martinez / MyBrokerJoe.com
Phone/Text: 909-788-9151
Email: joemartinezffl@gmail.com
Last Updated: September 1, 2026
Effective Date: September 1, 2026
By providing your mobile telephone number to MyBrokerJoe.com and requesting information, a quote, an appointment, or assistance, you may consent to receive text messages from Joe Martinez / MyBrokerJoe regarding your inquiry and, where separately permitted, marketing communications.
Messages may include:
Message frequency may vary depending on your interaction with MyBrokerJoe.
You may receive multiple messages when actively communicating with us regarding an inquiry, appointment, quote, or application.
Where required by applicable law, consent to receive marketing text messages is not a condition of purchasing insurance or other services.
Message and data rates may apply depending on your mobile carrier and wireless plan.
MyBrokerJoe is not responsible for carrier charges.
You may revoke your consent to receive marketing text messages at any time by replying:
STOP
You may also use other reasonable means to communicate that you no longer wish to receive text messages.
After receiving an opt-out request, we will take reasonable steps to stop applicable marketing messages in accordance with applicable law.
You may receive a final confirmation message confirming your opt-out. No further promotional messages should be sent unless you provide new consent or communication is otherwise permitted by law.
For assistance, reply:
HELP
or contact:
Phone/Text: 909-788-9151
Email: joemartinezffl@gmail.com
Revoking consent to marketing text messages does not necessarily revoke consent for other legally permitted forms of communication or prevent service-related communications concerning an existing inquiry, appointment, application, policy, or transaction.
You may separately request that we stop contacting you by telephone, email, or other communication methods.
Where applicable, MyBrokerJoe may maintain records of consent, including the telephone number provided, date and time of submission, Website form or source through which consent was obtained, and relevant consent language.
Text messages may be transmitted through third-party telecommunications, CRM, or messaging platforms.
Such providers may process information as necessary to deliver communications and operate their services.
Wireless carriers and telecommunications networks control delivery of text messages. MyBrokerJoe cannot guarantee that every message will be delivered immediately or successfully.
We may update this SMS/Text Messaging Consent Policy as our communication practices or legal requirements change.
Last Updated: September 1, 2026
Effective Date: September 1, 2026
This California Privacy Notice supplements the MyBrokerJoe.com Privacy Policy and applies to California residents to the extent the California Consumer Privacy Act (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”), applies to MyBrokerJoe and the information covered by the law.
The CCPA provides California consumers with rights regarding their personal information, including rights to know, delete, correct, opt out of certain sales or sharing, limit certain uses of sensitive personal information, and receive equal treatment for exercising privacy rights.
Depending on your interaction with MyBrokerJoe, we may collect the following categories of personal information:
Examples include:
Examples include:
Examples may include:
Examples may include:
Examples include:
If voluntarily provided in connection with retirement or insurance planning, information may include employment-related information relevant to the requested service.
Depending on the information you voluntarily provide, this may include certain health or medical information, precise information, or other categories that qualify as sensitive personal information under applicable California law.
We use sensitive information only for purposes permitted by applicable law and reasonably necessary to provide requested services or for other legally permitted purposes.
We may collect information directly from:
We may use personal information to:
Depending on the circumstances, information may be disclosed to:
MyBrokerJoe does not intentionally sell personal information for monetary consideration as a primary business practice.
We may use third-party analytics, advertising, or marketing technologies that could, depending on how they operate and applicable California law, be considered “sharing” of personal information for cross-context behavioral advertising.
If MyBrokerJoe engages in a practice legally considered a sale or sharing of personal information under the CCPA, we will provide the applicable opt-out rights and mechanisms required by law.
California residents may also have the right to use an authorized Global Privacy Control (“GPC”) signal where applicable.
California residents may request information regarding:
California residents may request deletion of personal information that MyBrokerJoe has collected, subject to applicable legal exceptions.
We may retain information where necessary or permitted by law, including information required to:
California residents may request correction of inaccurate personal information maintained by MyBrokerJoe.
Where applicable, California residents may have the right to limit certain uses and disclosures of sensitive personal information.
However, certain information related to insurance transactions or regulated activities may be subject to exemptions or other applicable laws.
If MyBrokerJoe engages in a sale or sharing of personal information subject to the CCPA, California residents may request to opt out.
We will provide an appropriate opt-out mechanism where legally required.
MyBrokerJoe will not unlawfully discriminate against a California resident for exercising privacy rights granted by applicable law.
You may submit a privacy request by contacting:
Email: joemartinezffl@gmail.com
Phone: 909-788-9151
If MyBrokerJoe is legally required to provide an online request method, the applicable request mechanism will also be made available through the Website.
We may need to verify your identity before completing certain requests in order to protect your information and prevent fraudulent requests.
We will respond to verified California privacy requests within the time periods required by applicable law.
The California Attorney General currently explains that businesses generally have 45 calendar days to respond to requests to know, with a possible additional 45-day extension when permitted and properly communicated.
Where permitted by law, you may designate an authorized agent to submit a privacy request on your behalf.
We may require appropriate verification of your identity and the agent's authority before processing the request.
At or before the point at which MyBrokerJoe collects personal information, the Website may provide a notice describing the categories of information collected and the purposes for which the information will be used.
California requires applicable businesses to provide a Notice at Collection at or before collecting personal information.
MyBrokerJoe does not knowingly sell personal information of consumers under 16 years of age.
The Website is not directed toward children.
Certain information may be exempt from the CCPA or subject to other federal or state privacy laws.
Insurance-related, medical, financial, or other regulated information may be governed by additional legal requirements.
We may update this California Privacy Notice periodically.
The Effective Date at the top of this notice will be updated when material changes are made.
Joe Martinez / MyBrokerJoe.com
Phone: 909-788-9151
Email: joemartinezffl@gmail.com
Website: MyBrokerJoe.com
Last Updated: September 1, 2026
Disclaimer
The information on this website is for marketing and educational purposes only and may not apply to your individual situation. Nothing on this site should be considered financial, tax, or legal advice. Please consult your own licensed professionals regarding your specific circumstances. Insurance products, features, and benefits vary by state and carrier. All guarantees are based on the claims-paying ability of the issuing insurance company. Past performance is not indicative of future results. This website and its representatives are not affiliated with or endorsed by any government agency or employer-sponsored retirement plan.
Copyright © 2026 My Broker Joe - All Rights Reserved.
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