Privacy Policy
The privacy policy outlined below discloses the specific ways in which this website for Jacobs Financial
Services LLC functions, how you should use it or can use it, how we collect user information and how
that information is handled and protected. Your privacy is important to Jacobs Financial Services LLC, and
we’re committed to making sure it is protected. This privacy policy only applies to Jacobs Financial
Services LLC and how we provide services to our clients (the “Services”). We use your information only in
the ways described below. The examples in this privacy policy are for illustration and may not be allinclusive or applicable to your specific situation.

Children’s Privacy
You must be 18 years or older to use our website. Our website is for a general audience, is not targeted
to children, and does not knowingly collect personal information from children under 18 years of age.

Agreement to This Policy
By using this website, you consent to this privacy policy, including your consent to our use and disclosure
of information about you in the manner described in this privacy policy.

Information Collection and Use
The information we collect about you we get directly from you through applications, contracts,
documents and forms that you completed or signed. Information from our telephone conversations with
you is also compiled.

With your authorization, we may obtain additional information about you or others who may have an
interest in your insurance policy, annuity contract or primary residence, from additional sources,
including your insurance company, insurance producer, health care providers, creditors, credit reporting
agencies and your representatives or advisors. With your authorization, we may also obtain information
about you from public records and other persons.

When you request rate quotes or other information through Jacobs Financial Services LLC, you are
authorizing us to share your information with our business partners, affiliates or associates who will
contact you by phone, email, or mail. If you do not want further communication from them, please
notify the business associates directly.

We may also obtain the following types of non-public, personal information about you:
1. Personal information, such as your name, address, social security number, driver’s license
number, occupation and employer
2. Financial information, such as assets, income, credit history, banking information and account
numbers
3. Legal information, such as judgments, liens, bankruptcies, divorces, probate, and other civil and
criminal court proceedings
4. Other identifying information, such as birth date, telephone and fax numbers, and email, street,
and mailing addresses
5. Insurance or annuity policy information, including the policy terms, conditions and limits, the
named beneficiaries, and your premiums and payment history
6. Medical information, such as your current health status and prior health care treatments
For better and faster service when you return to our website, cookies may be placed on your browser. A
cookie is coded data that is stored on your hard drive, which enables us to understand your use of our
website. With these tools, we can determine the number of unique users accessing the various pages on
the site and improve flow and content for your future visits. A cookie cannot obtain information from
your hard drive, destroy files, or transmit viruses. Each website can send its own cookie to your browser,
if your browser’s preferences allow it. To protect your privacy, your browser normally only permits a
website to access cookies that it has previously sent to you, but not the cookies sent to you by other
sites.

We do track users who come to our site. We use cookies to evaluate what browser you are using, what
pages you land on and read and how long you are on these pages. If you go away from Jacobs Financial
Services LLC and then return again, we can track you over time as a repeat visitor unless you have
cleaned out the cookies from your computer. This cleaning is also known as clearing your computer
cache. If you do clear your cache – or if your browser is set up so that it does not utilize cookies – we will
not track your navigation on our site. We do not share this user data with partners, affiliates or affiliate
websites.

You can normally configure your browser to accept all cookies, reject all cookies, or notify you when a
cookie is set. (Each browser is different, so check the Help menu of your browser to learn how to change
your cookie preferences.) If you reject all cookies, you will still be able to use Jacobs Financial Services
LLC services. Cookies are used only as an option selected by you that allows us to recall your email
address from the cookie that we sent to your computer.

Testimonials
If you submit a testimonial to us, we will ask for your permission to post your testimonial prior to any
public use. We will post your name as given to us in your testimonial. If your testimony is given in person
or by audio or visual transmission, we may record and edit it for consistency or clarity prior to sharing it.
We do not use stock photos with testimonials. Please be aware that any personally identifiable
information you submit or provide as a testimonial to be posted can be read, collected, or used by the
general public and could be used to send you unsolicited messages. We are not responsible for the
personally identifiable information you choose to include in any testimonial you choose to submit or
provide. If at any time you decide to remove your testimonial, please contact us via email or postal mail.

Information About Our Former Customers
Information about our former customers is used in the same manner as we use information about our
current customers.

Disclosures About Sharing Your Information
Jacobs Financial Services LLC does not rent or sell your non-public personal information. If required by
law, we will disclose your information. Only with your permission will we disclose your non-public
personal health information to our affiliates and non-affiliated companies that provide services for us
related to a transaction you request.

Also with your authorization, we will disclose your nonpublic personal health information to entities that
provide us with financing or financial support for a transaction that you request. As permitted by law and
with your authorization, we may disclose your health information to allow our authorized representative
to contact you for the purpose of determining your current health status.

If you submit a request for information or services concerning annuities, structured settlements,
insurance and cash advances, you will be asked to provide your personal information (such as your full
name, email address and phone number). We share your information with nonaffiliated businesses
within our network of partners that provide a product or service that you desire. If we share with one or
more of these nonaffiliated entities in order to fulfill your request, the collection, use and disclosure of
your personal information is subject to the privacy policy of that entity. This is true even if you opted into
the national Do Not Call List administered by the Federal Trade Commission or if you opted into a state
equivalent of the Federal Do Not Call List. If one of our partner businesses contacts you by phone and
you do not wish to be called again by that entity, you should follow the guidelines set up by the Do Not
Call List and specifically request not to be called again. Please note that our partner businesses may
maintain the information you provided even if you do not elect to use their services. We will share your
information with 3rd parties and/or with an independent insurance agency or agent if you have
indicated you are interested in purchasing annuities and/or insurance products.

As permitted by law or with your authorization, we will share your non-public personal financial
information (1) with our affiliates and non-affiliated companies that provide services for us related to
a transaction you request and (2) under the following additional circumstances:
1. To establish or exercise our legal rights or defend against legal claims: We reserve the right to
disclose your personally identifiable information, as required, to comply with the law, applicable
regulations, governmental and quasi-governmental requests, judicial proceedings, court orders
or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights,
property or safety or the rights, or to protect the property or safety of our users or others (e.g.,
to a consumer reporting agency for fraud protection etc.), and to ensure the security of our
network and services.
2. To secure services and advice from our attorneys, accountants and auditors.
As required or permitted by law, we may also disclose your nonpublic personal financial information for
other purposes or to other persons with your authorization.
Spam, Spyware
We do not tolerate spam or spyware coming to our website or going to our users through our website. If
you suspect you received spam or spyware because you used Jacobs Financial Services LLC, please make
us aware of the issue by alerting us with an email to info@jacobsfs.com. You are not permitted to use
our website to spam or send spyware to a third party.

Confidentiality and Security
Non-public personal information we receive about you has restricted access. Only the employees of
Jacobs Financial Services LLC who need to know your information to provide products or services have
access to your information. We maintain physical, electronic and procedural safeguards, in accordance
with applicable state and federal standards, to protect your personal financial information against risks
such as loss, destruction or misuse. These measures include computer safeguards, secured files and
buildings, and restrictions on who may access your personal information. In the event of a system
compromise, Jacobs Financial Services LLC will implement all reasonable measures to ensure the
integrity of the website’s database is protected and ensure proper notice is provided under the law.
Your privacy and confidentiality are protected by non-affiliated companies to whom we disclose your
nonpublic personal information do not have any independent right to use your information under
privacy and confidentiality agreements.

The accuracy of your information is a responsibility of you and Jacobs Financial Services LLC. We
maintain the accuracy of the information you provide us and when you notify us of a change, we will
update your information. Please contact us at the address below or, for faster service, email us
at info@jacobsfs.com when information concerning your changes.

Data Storage/User Information
Jacobs Financial Services, LLC utilizes information technology professionals to design, implement and
monitor our information security and systems infrastructure to detect weaknesses and prevent against
potential intrusions.

However, the internet is not a fully secure environment, and we cannot ensure or warrant the security of
any information transmitted to or generated by us in connection with your use of our website. There is
no guarantee that information may not be accessed, disclosed, altered, or destroyed by breach of any of
our administrative, technical, and physical, or other operational, safeguards. You agree that you are
responsible for any additional verification procedures and security you deem necessary.
By using Jacobs Financial Services, LLC you agree that the procedures provided for in this Privacy Policy
and the procedures implemented on Jacobs Financial Services LLC to protect personal information and to
verify the identity of users including, but not limited to, those procedures described in the foregoing
paragraph, constitute commercially reasonable website security and customer verification procedures.

Content on Jacobsfs.com
We work hard to ensure the articles on Jacobsfs.com are quality ones. We research all of our articles and
quality-control them to make sure we have accurate facts. If you find errors on the site, feel free to
contact us and let us know what you found.

Linked Websites
We cannot control the content of sites linking to or from Jacobs Financial Services LLC. As a result, we are
not responsible for that content, nor can we make representations to the content of those websites or
their individual privacy policies.

Updates to our Privacy Policy
Jacobs Financial Services LLC updates or modifies this privacy policy from time to time. If we make
material changes to this privacy policy or to how Jacobs Financial Services LLC will use your personal
information, we will post those changes here. We reserve the right to make changes in this policy at any
time. Please check the policy each time you use our website to ensure that you are aware of any changes
in our privacy practices. Our privacy policy will indicate the date when it was updated. Your continued
use of our website will signify your acceptance of the changes to our privacy policy. If you do not agree
with the changes to how your information will be used, please do not continue to use our website. By
using this website, you signify your consent to the Jacobs Financial Services LLC privacy policy. If you do
not agree to this policy, please do not read or use this website or use our services.
From time to time, we may add new websites that may or may not be listed in this privacy policy. Please
note that this policy applies only to the information collected through this website and not to websites
maintained by other companies or organizations to which we link. In addition, this policy applies only to
information collected by Jacobs Financial Services LLC online.

Notice to Users Outside of the United States
This privacy policy is intended to cover collection of information on our websites from residents of the
United States. If you are visiting our websites from outside the United States, please be aware that your
information may be transferred to, stored and processed in the United States where our servers are
located, and our central database is operated. The data protection and other laws of the United States
and other countries might not be as comprehensive as those in your country. By using our services, you
understand that your information may be transferred to our facilities and those third parties with whom
we share it as described in this privacy policy.

California Consumer Privacy Act Notice
California residents have certain rights with respect to their personal information, as described below.
We have provided detailed descriptions above in the “Information Collection and Use,” “Information
About Our Former Customers” “Testimonials,” and “Disclosures About Sharing Your Information”
sections of this Privacy Policy. This section provides information for California residents in connection
with the California Consumer Privacy Act (“CCPA”). Under the CCPA, and for purposes of this Section,
“Personal Information” generally means information that identifies, relates to, or describes a particular
California resident.

What We Collect from California Residents
In the past 12 months, we have disclosed (or have enabled you to disclose) and have collected
the following categories of Personal Information. Additionally, we do not knowingly “share” or
“sell” Personal Information of minors under 18 years of age.

CATEGORY
CATEGORIES OF PARTIES TO WHOM INFORMATION IS DISCLOSED CATEGORIES OF THIRD PARTIES TO WHOM INFORMATION IS SOLD OR SHARED
Identifiers, including first and last
name, email address, phone number,
address, IP address, online and device
identifiers, and military and/or veteran
status.
Service providers, customer
service providers, and other
providers or partners that
support our operational business
purposes, such as Jacobs
Financial Services LLC employees
and contractors.
Advertising
providers, analytics
providers.
Personal information, as defined in the
California Customer Records law,
including contact information, bank
account number, and other financial
information.
Service providers, customer
service providers, and other
providers or partners that
support our operational business
purposes, such as Jacobs
Financial Services LLC employees
and contractors.
Advertising
providers, analytics
providers.
Internet or network activity
information, including browsing
history, search history, and information
regarding a consumer’s interaction
with an internet website, device
software platform/OS and firmware,
mobile carrier, and preferred
languages.
Service providers, customer
service providers, and other
providers or partners that
support our operational business
purposes, such as Jacobs
Financial Services LLC employees
and contractors.
Advertising
providers, analytics
providers.
Commercial information, including
financial information, such as products
or services purchased or considered.
Service providers, customer
service providers, and other
providers or partners that
support our operational business
purposes, such as Jacobs
Financial Services LLC employees
and contractors.
Analytics providers,
advertising
providers, and lead
generation providers.
Characteristics of protected
classifications under California law,
demographic information, including
your gender, age, date of birth,
citizenship status, and marital status.
Service providers, customer
service providers, and other
providers or partners that
support our operational business
purposes, such as Jacobs
Financial Services LLC employees
and contractors.
Advertising
providers, analytics
providers.
Audio, electronic, visual and other
similar information, including your
profile picture and/or recordings of
customer service calls.
Service providers, customer
service providers, and other
providers or partners that
support our operational business
purposes, such as Jacobs
Financial Services LLC employees
and contractors.
Advertising
providers, analytics
providers.
Geolocation data, including nonprecise geolocation information,
approximate location as inferred from
IP address.
Service providers, customer
service providers, and other
providers or partners that
support our operational business
purposes, such as Jacobs
Financial Services LLC employees
and contractors.
Advertising
providers, analytics
providers.
Professional or employment-related
information, such as work history and
prior employer.
Service providers, customer
service providers, and other
providers or partners that
support our operational business
purposes, such as Jacobs
Financial Services LLC employees
and contractors.
Analytics providers.
Inferences drawn from any of the
Personal Information listed above to
create a profile or summary about, for
example, an individual’s preferences
and characteristics.
Service providers, customer
service providers, and other
providers or partners that
support our operational business
purposes, such as Jacobs
Financial Services LLC employees
and contractors.
Advertising
providers, analytics
providers.
Other information you may share if you
use social features when accessing our
Services, including the organizations,
links, and other information included
on your social profile page.
Service providers, customer
service providers, and other
providers or partners that
support our operational business
purposes, such as Jacobs
Financial Services LLC employees
and contractors.
Advertising
providers, analytics
providers.
Sensitive Personal Information, such as
social security number, trade union
membership, health data, advisor’s
racial or ethnic origin
Service providers, customer
service providers, and other
providers or partners that
support our operational business
purposes, such as Jacobs
Financial Services LLC employees
and contractors.
Advertising
providers, analytics
providers
Please note that we may process Personal Information in each of the above categories in order
to protect ours and others’ rights, and/or to complete a merger or sale of assets or other
corporate transaction, including bankruptcy, or other similar transaction involving all or any
portion of our business.
Data Retention
We will retain your Personal Information from or about you as reasonably necessary and
proportionate to achieve the purpose(s) for which the Personal Information was collected or
processed as outlined in this Privacy Notice, unless a longer retention period is required or
permitted by law.
Purposes
We may use this Personal Information for the following purposes, including commercial
purposes:
• to operate, manage, and maintain our business;
• to provide our products and services;
• to accomplish our business purposes and objectives, including:
o developing, improving, repairing, and maintaining our products and services;
o personalizing, advertising, and marketing our products and services;
o conducting research, analytics, and data analysis;
o maintaining our facilities and infrastructure;
o quality and safety assurance measures;
o conducting risk and security controls and monitoring;
o detecting and preventing fraud;
o performing identity verification;
o performing accounting, audit, and other internal functions;
o complying with the law, legal process, and internal policies;
o maintaining records; and
o exercising and defending legal claims.
Depending on your interactions with us, we may not have used Personal Information collected
about that resident for each (or any) of these purposes.
Sources of Personal Information
We collect this Personal Information directly from California residents themselves, as well as
from social media platforms (e.g., if the individual has connected a social media account to our
website or apps); referrals; joint marketing, co-branding, co-promotional, or advertising
partners; Jacobs Financial Services LLC employees and contractors; and sources of demographic
and other information, including through devices you used to interact with us through our
Services. The sources of personal information collected are noted in the “Information Collection
and Use,” “Information About Our Former Customers” “Testimonials,” and “Disclosures About
Sharing Your Information” sections above.
Rights and Choices Available to California Residents
If you are a California resident, you may have the following rights with respect to any
information about you that constitutes “Personal Information” under California law:
• Request to Know and Access Your Personal Information: You may access the information
we maintain about you using the methods provided below. If we grant your request, we
will provide you with a copy of the personal information we maintain about you in the
ordinary course of business. This may include what personal information we collect, use,
or disclose about you. We may not fulfill some or all of your request to access as
permitted by applicable law. Please note that, in some instances, we may decline to
honor your request or only honor your request in part, where, for example, we are
unable to verify your identity or an exception to this right applies.
• Request to Delete Your Personal Information: You may request that we delete your
personal information. Depending on the scope of your request, we may refrain from
granting your request, as permitted by applicable law. For example, as permitted by
applicable law, we may retain your information in our business records. You may submit
a deletion request using the methods provided below. Please note that, in some
instances, we may decline to honor your request or only honor your request in part,
where, for example, we are unable to verify your identity or an exception to this right
applies.
• Request to Opt-Out of “Sale” and Certain Sharing Practices: You have a right to opt-out
of the sale or share of your personal information, as defined by California law. In order
for you or your authorized agent to exercise this right, please see the “Exercise Your
Rights” section below. We process opt-out preference signals in a frictionless manner.
• Request Correction of Inaccurate Personal Information: You have a right to request the
correction of inaccurate personal information that we may have on file about you.
Please note that, in some instances, we may decline to honor your request or only honor
your request in part, where, for example, we are unable to verify your identity or an
exception to this right applies.
• Non-Discrimination: We will not discriminate against you, in terms of price or services
that we offer, if you submit one of the requests listed above.
• Limit the Use of Sensitive Personal Information. You have a right to limit the use of your
sensitive personal information. Please note that, in some instances, we may decline to
honor your request or only honor your request in part, where, for example, we are
unable to verify your identity or an exception to this right applies.
Authorized Agent
California consumers may use an authorized agent on their behalf to exercise a privacy right
discussed above. If you are an authorized agent acting on behalf of a California consumer to
communicate with us or to exercise a privacy right discussed above, you must be able to
demonstrate that you have the requisite authorization to act on behalf of the resident and have
sufficient access to their laptop, desktop, or mobile device to exercise these rights digitally. If you
are an authorized agent trying to exercise rights on behalf of Jacobs Financial Services LLC client,
please contact us at the contact information below with supporting verification information,
proof that you have access to the client’s interface, and proof of your own identity.
To Exercise Your Rights
In order to exercise your other rights described above, please call us at 616-622-4654 and state
which right(s) you would like to exercise. We may need to obtain information about you or your
specific request in order to verify your identity and respond to your specific request. You may
also send an email to: info@jacobsfs.com, but any information sent to us through email is not
encrypted by us.
Shine the Light Disclosure
We do not share personal information as defined by California Civil Code § 1798.83 (the “Shine
the Light Law”) with third parties, other than our affiliates, for their direct marketing purposes
absent your consent. If you are a California resident, you may request information about our
compliance with the Shine the Light Law by sending an email to info@jacobsfs.com or by
sending a letter to 13061 Macatawa Dr., SW, Suite D, Grandville, MI 49418. Any such request
must include “Request for California Privacy Information” in the subject line and include your
name, street address, city, state, and ZIP code. Please note that we are only required to respond
to one request per customer each year, and we are not required to respond to requests made by
means other than through the email address or mailing address referenced above.
Contacting Us
If you have any questions, concerns or suggestions about our Privacy Policy or anything else about
Jacobs Financial Services LLC, you may contact us in several ways. You can:
Send us a letter at:
Jacobs Financial Services LLC
3061 Macatawa Dr., SW, Suite D
Grandville, MI 49418
Call: 616-622-4654
Send an email to: info@jacobsfs.com
Any information sent to us through email is not encrypted by us.