Privacy Policy

1. Introduction

Your privacy is important to us.

This Privacy Policy explains how Comparison Junction and CJ OWL, brands operated by Comparison Junction, Inc., together with its parent company, its subsidiaries, affiliates, employees, authorized representatives, contractors, and designated service partners (collectively referred to in this Privacy Policy as “Comparison Junction,” “CJ,” “CJ OWL,” “we,” “our,” or “us”), collect, use, disclose, protect, and retain your personal information when you use our websites, customer portal, mobile applications, memberships, products, and services.

By using our services, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

We may collect the following categories of information.

Personal Information

• Full Name

• Date of Birth (where required)

• Residential or Business Address

• Email Address

• Phone Number

Account Information

• Username

• Password (encrypted)

• Customer ID

• Membership Information

• Account Preferences

Service Information

• Utility Providers

• Internet Provider

• Mobile Provider

• Insurance Provider

• Financial Products

• Current Plans

• Renewal Dates

• Usage Information

• Service History

Financial Information

Where necessary to provide requested services:

• Billing Address

• Payment Method

• Transaction History

Comparison Junction does not store complete payment card information. Payments are processed through authorized payment providers.

Device Information

• IP Address

• Browser Type

• Device Type

• Operating System

• Language

• Cookies

• Session Information

Communications

Records of:

• Phone Calls

• Emails

• SMS

• WhatsApp Messages

• Live Chat

• Customer Support Interactions

Calls may be recorded for quality assurance, training, compliance, and dispute resolution.


SMS & Mobile Communications

If you provide your mobile phone number and separately opt in to receive SMS communications from Comparison Junction, we may use your mobile number to send the types of messages described at the time of opt-in, including account notifications, customer service messages, service updates, requested communications, and other messages for which you have provided consent.

Message frequency varies. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP. For assistance, reply HELP or contact Customer Support.

We do not sell, rent, or share your mobile phone number or SMS opt-in information with third parties or affiliates for their own marketing or promotional purposes.

SMS consent is not a condition of purchasing any goods or services.

3. How We Collect Information

We collect information:

• Directly from you

• Through our website

• Through our customer portal

• Through mobile applications

• Through forms you complete

• During phone conversations

• From service providers you authorize

• Through cookies and analytics technologies

• From publicly available sources where permitted by law

4. How We Use Your Information

We use your information to:

• Provide requested services

• Compare products and providers

• Generate your Savings Opportunity Report™

• Deliver CJ OWL membership services

• Process service requests

• Facilitate provider communications

• Improve customer experience

• Personalize recommendations

• Monitor renewals

• Detect fraud

• Improve our website and services

• Comply with legal obligations

• Respond to customer inquiries

• Conduct internal reporting and analytics

5. Marketing Communications

With your consent or where permitted by law, we may send information regarding:

• Savings opportunities

• Better plans

• Renewal reminders

• New products

• Promotions

• Educational content

• Service updates

You may unsubscribe from marketing communications at any time.

Service-related communications will continue where necessary to administer your account.

6. Cookies & Similar Technologies

We use cookies and similar technologies to:

• Improve website functionality

• Remember your preferences

• Analyze website performance

• Measure marketing effectiveness

• Enhance security

• Personalize your experience

You may manage cookie preferences through your browser settings.

7. AI & Automated Processing

Comparison Junction may use Artificial Intelligence to assist with:

• Savings analysis

• Product recommendations

• Customer support

• Content generation

• Fraud detection

• Service optimization

AI assists our team but does not make legally binding decisions on your behalf without appropriate human oversight.

8. Sharing Your Information

We may share information with:

• Utility Providers

• Telecom Providers

• Insurance Providers

• Financial Institutions

• Technology Vendors

• Payment Processors

• Customer Support Partners

• Government Authorities where legally required

• Professional Advisors

• Authorized Service Partners

We do not sell your personal information.

9. Data Security

We implement administrative, technical, and physical safeguards designed to protect your information, including:

• Encryption

• Secure servers

• Access controls

• Authentication procedures

• Security monitoring

• Regular security reviews

While we strive to protect your information, no method of transmission or storage is completely secure.

10. Data Retention

We retain personal information only for as long as necessary to:

• Provide our services

• Fulfill contractual obligations

• Comply with legal requirements

• Resolve disputes

• Enforce agreements

• Improve our services

When information is no longer required, it will be securely deleted or anonymized where appropriate.

11. Your Privacy Rights

Subject to applicable law, you may have the right to:

• Access your personal information

• Correct inaccurate information

• Request deletion of eligible information

• Restrict certain processing

• Withdraw consent

• Receive a copy of your information where applicable

• Object to certain processing activities

Requests may be submitted through our Customer Support team.

12. Children's Privacy

Our services are intended for individuals aged 18 years or older.

We do not knowingly collect personal information from children without appropriate legal authorization.

13. International Data Transfers

Your information may be processed or stored in countries where Comparison Junction or its service providers operate.

Where required, we implement appropriate safeguards to protect transferred information.

14. Third-Party Websites

Our website may contain links to third-party websites.

Comparison Junction is not responsible for the privacy practices or content of those websites.

We encourage you to review their privacy policies.

15. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

The latest version will always be available through the Customer Trust Center.

Continued use of our services following updates constitutes acceptance of the revised Privacy Policy.

16. Contact Us

If you have questions regarding this Privacy Policy or your personal information, please contact us:

Comparison Junction

Customer Support

Website: www.comparisonjunction.com

Email: [email protected]

Phone: +1-844-678-6868

Customer Trust Center: www.comparisonjunction.com/trust

Your Privacy Promise

At Comparison Junction, we believe privacy is built on trust.

We are committed to:

• Being transparent about how we use your information.

• Collecting only the information necessary to provide and improve our services.

• Protecting your information with appropriate security measures.

• Respecting your choices and privacy preferences.

• Using your information responsibly to help you save money, save time, protect your interests, and make better buying decisions.

Our goal is to earn and maintain your trust by handling your information with the same care and respect we would expect for our own.