Privacy Policy

Privacy Policy

Effective Date: February 19, 2026

At G & J Financial Group, we take privacy seriously and are committed to protecting the personal information of our users. This Privacy Policy outlines how we collect, use, store, and share information collected through our website at www.gjfinancgrp.com.

What Information We Collect

We collect the following information through forms on our website, including contact forms, scheduling forms, and event registration forms:

• First and last name

• Email address

• Phone number (mobile)

• Retirement planning details you voluntarily provide (e.g., account types, savings estimates, services of interest)

We do not collect information from individuals under the age of 18. Our services are intended for adults only.

How We Use Your Information

The information collected through our website is used to:

• Respond to your inquiries and provide the services you requested

• Schedule and confirm appointments

• Send SMS text messages if you have opted in (see SMS Opt-In Details below)

• Send email communications including newsletters and educational content updates

• Personalize your experience on our website

• Improve our products and services

SMS Opt-In Details

If you check the SMS consent box on our contact form, you are opting in to receive text messages from G & J Financial Group. These messages may include:

• Retirement planning tips and educational content

• New video and podcast episode announcements

• Appointment reminders and follow-up communications

Message frequency varies, up to 2 messages per week. Message and data rates may apply. You may opt out at any time by replying STOP to any message. Reply HELP for assistance or contact us at giovanni@gjfinancgrp.com.

Your opt-in to SMS is entirely voluntary and is not a condition of purchasing any goods or services.

Mobile Information Sharing Statement

We do not sell, rent, or share opt-in mobile information or SMS consent with any third parties for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties under any circumstances, except as required by law.

Cookie & Tracking Practices

Our website may use cookies and similar tracking technologies to improve your browsing experience. Cookies are small files stored on your device that help us understand how visitors use our site. We may use:

• Essential cookies required for site functionality

• Analytics cookies to understand site usage and improve our services

We do not use cookies to collect personal information for advertising purposes. You may disable cookies through your browser settings, though some site features may not function properly.

Data Security and Handling

We take appropriate technical and organizational measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. This includes secure storage of data and limiting access to authorized personnel only. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

Your Rights

You have the right to:

• Request access to the personal information we hold about you

• Request correction of inaccurate information

• Request deletion of your personal information

• Opt out of SMS messages at any time by replying STOP

• Opt out of email communications by clicking the unsubscribe link in any email

• Contact us with any questions about your data

To exercise any of these rights, contact us at giovanni@gjfinancgrp.com.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make changes, we will post the revised version on our website with an updated effective date.

Contact Information

If you have any questions or concerns about our privacy practices or this Privacy Policy, please contact us at:

G & J Financial Group 4602 County Road 673 PMB 9751 Bushnell, Florida 33513 Email: giovanni@gjfinancgrp.com Phone: (561) 934-0552

Terms of Service

Terms of Service — SMS Messaging

Effective Date: February 19, 2026

These terms and conditions govern the use of SMS messaging services provided by G & J Financial Group. By opting in to receive text messages, you agree to be bound by these terms and conditions.

Description of SMS Use Cases

G & J Financial Group may send the following types of SMS messages to users who have opted in:

• Retirement planning tips and educational content

• New video and podcast episode announcements (e.g., the Frank Talk Series)

• Appointment reminders and scheduling confirmations

• Follow-up communications related to your inquiry

Opt-In and Consent

To subscribe to SMS messages, the user must voluntarily check the SMS consent box and provide their mobile number on our website at www.gjfinancgrp.com/contact. Opting in to SMS is not required to use our services or submit the contact form.

Message Frequency and Rates

Message frequency varies, up to 2 messages per week. Message and data rates may apply. G & J Financial Group is not responsible for any charges incurred by the user from their mobile carrier.

Opt-Out Instructions

You may opt out of SMS messages at any time by replying STOP to any message received. G & J Financial Group will promptly stop sending messages upon receipt of your opt-out request. You may also reply HELP for assistance or contact us at giovanni@gjfinancgrp.com.

Customer Support Contact

For questions or assistance regarding SMS messages, contact us at:

Email: giovanni@gjfinancgrp.com Phone: (561) 934-0552

Age Restriction

Our SMS messaging service is intended for individuals 18 years of age or older. By opting in, you confirm that you are at least 18 years old.

Carrier Liability Disclaimer

G & J Financial Group, mobile carriers, and any service providers involved in delivering SMS messages are not liable for delayed or undelivered messages. Carriers are not responsible for the content of messages sent by G & J Financial Group.

Disclaimer of Liability

G & J Financial Group will not be liable for any loss, damage, or inconvenience caused by the use of the SMS messaging service. The user assumes all risks and responsibility for the use of the service.

Link to Privacy Policy

For information on how we collect, use, and protect your data, please review our Privacy Policy at www.gjfinancgrp.com/contact.

By opting in to SMS messages from G & J Financial Group, you agree to be bound by these terms and conditions. If you do not agree, do not check the SMS consent box on our contact form.