Effective Date: 02/19/2026

BAJM Agency ("Company," "we," "our," or "us"), associated with Real Life Solutions (RLS), is committed to protecting your privacy and safeguarding your personal and health information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website (www.bajmprotection.com), request insurance services, or communicate with us.

If you have questions about this Privacy Policy, you may contact us:

BAJM Agency
Phone: (430) 207-8845
Email: ironmikesphp@gmail.com
Website: www.bajmprotection.com

We may collect:

• Full name
   
• Address
   
• Email address
   
• Phone number
   
• Date of birth
   
• Social Security number (when required for underwriting)
   
• Driver’s license number
   
• Insurance policy details
   

• Payment information
   
• Banking details
   
• Credit-related information when required
   

When assisting with health insurance or related products, we may collect medical or health-related information necessary for underwriting or enrollment.

When you visit our website, we may automatically collect:

• IP address
   
• Browser type
   
• Device data
   
• Website usage information
   
• Cookies and tracking technologies
   

BAJM Agency complies with applicable provisions of the Health Insurance Portability and Accountability Act of 1996 (HIPAA).

When we collect, use, or disclose Protected Health Information (PHI):

• We use PHI only for lawful insurance and healthcare operations purposes.
   
• We limit access to PHI to authorized personnel.
   
• We implement administrative, physical, and technical safeguards to protect PHI.
   
• We do not disclose your health information without authorization except as permitted or required by law.
   

If applicable, we may act as a Business Associate to insurance carriers or healthcare organizations and will comply with all related obligations under HIPAA.

You have the right to:

• Request access to your PHI
   
• Request corrections to inaccurate health information
   
• Request restrictions on certain uses
   
• Request confidential communications
   

To exercise these rights, contact us at (430) 207-8845 or ironmikesphp@gmail.com.

We use collected information to:

• Provide insurance quotes and services
   
• Submit applications to carriers
   
• Process enrollments
   
• Communicate policy updates
   
• Process payments
   
• Comply with legal and regulatory obligations
   
• Prevent fraud
   
• Improve customer service and website functionality
   

We do not sell your personal information.

We may share your information with:

• Insurance carriers and underwriting partners
   
• Real Life Solutions (RLS) and affiliated entities
   
• Payment processors
   
• Technology service providers
   
• Regulatory agencies when legally required
   

All third parties are required to safeguard your information.

By providing your mobile phone number, you consent to receive text messages from BAJM Agency related to:

• Insurance quotes
   
• Policy updates
   
• Appointment reminders
   
• Customer service communications
   
• Billing notifications
   

Message frequency may vary.

Message and data rates may apply.

You may opt out of SMS communications at any time by replying:

STOP – to unsubscribe
HELP – for assistance

We do not sell or share your mobile information with third parties for marketing purposes.

Your SMS consent and phone number will not be shared with affiliates or third parties for promotional use.

We implement reasonable and appropriate security measures to protect your information, including:

• Encrypted communications when applicable
   
• Secure data storage systems
   
• Restricted internal access
   
• Administrative safeguards
   

However, no internet transmission is 100% secure. If you believe your information has been compromised, contact us immediately.

Our website may use cookies and analytics tools to improve user experience. You may adjust browser settings to decline cookies if preferred.

We retain information as long as necessary to:

• Fulfill business and legal obligations
   
• Comply with insurance regulations
   
• Resolve disputes
   
• Enforce agreements
   

Our services are not intended for individuals under 18. We do not knowingly collect information from minors.

Depending on your state of residence, you may have the right to:

• Access your personal data
   
• Correct inaccurate data
   
• Request deletion (where legally permitted)
   
• Limit certain data uses
   

To submit a request, contact us at (430) 207-8845 or ironmikesphp@gmail.com.

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated effective date.

BAJM Agency
Associated with Real Life Solutions (RLS)
Phone: (430) 207-8845
Email: ironmikesphp@gmail.com
Website: www.bajmprotection.com

Effective Date: [Insert Date]

By accessing or using this website (www.bajmprotection.com), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use this website.

This website is owned and operated by BAJM Agency, associated with Real Life Solutions (RLS).

BAJM Agency provides insurance-related services including but not limited to:

• Insurance quotes
   
• Policy comparisons
   
• Policy enrollments
   
• Customer support
   

All insurance products are subject to carrier underwriting approval and policy terms.

Information on this website is for general informational purposes only and does not constitute legal, tax, or financial advice. You should consult appropriate licensed professionals before making decisions.

You agree to:

• Provide accurate and truthful information
   
• Not misuse the website
   
• Not attempt to gain unauthorized access to systems
   
• Not use the website for unlawful purposes
   

All content on this website, including text, graphics, logos, and materials, is the property of BAJM Agency or its partners and may not be copied or distributed without permission.

Our website may contain links to third-party websites. We are not responsible for their content, policies, or practices.

BAJM Agency shall not be liable for:

• Any direct or indirect damages arising from website use
   
• Delays in insurance processing
   
• Carrier decisions or underwriting outcomes
   
• Technical website interruptions
   

Use of this website is at your own risk.

Your use of this website is also governed by our Privacy Policy.

These Terms shall be governed by the laws of the State of Texas.

BAJM Agency
Phone: (430) 207-8845
Email: ironmikesphp@gmail.com
Website: www.bajmprotection.com

Effective Date: [Insert Date]

By opting into SMS communications from BAJM Agency, you agree to receive text messages related to:

• Insurance quotes
   
• Policy updates
   
• Appointment reminders
   
• Customer service responses
   
• Billing notifications
   

Message frequency may vary.

By providing your mobile phone number and opting in, you consent to receive recurring automated marketing and informational text messages from BAJM Agency at the number provided. Consent is not a condition of purchase.

Message and data rates may apply depending on your mobile carrier plan.

You may opt out at any time by replying:

STOP – to unsubscribe
HELP – for assistance

You may also contact us directly at (430) 207-8845 or ironmikesphp@gmail.com.

Carriers are not liable for delayed or undelivered messages.

We do not sell or share your mobile number with third parties for marketing purposes.

Your SMS consent is not shared with affiliates or partners for promotional use.

For more information on how we protect your data, please review our Privacy Policy.