Privacy Policy — Your trust, in writing.

Privacy Policy

We understand the importance of protecting your online privacy, specifically when conducting business. As such, Jairo Montenegro, REALTOR®, and the JM Zero Risk List System (the "Company," "us," "we," and "our") are committed to respecting your privacy. This Privacy Policy pertains to users of this website ("Visitors," "you," or "your") who visit without transacting business and Visitors who submit information to inquire about our services (collectively, "Services").

By accessing or using this website, located at zerorisklistingsystem.com (the "Site"), you are entering into a binding legal agreement with the Company relating to the terms and conditions of privacy ("Privacy Policy"). This Privacy Policy applies to any web page, e-mail, or information — including Personally Identifiable Information — collected by us, regardless of the method of collection. This Privacy Policy is not applicable to your use of any third-party website or any information collected by any entity other than us.

By using the Site or submitting your information through our contact form, you give express consent to the the terms of this Privacy Policy, and such use and action constitutes your electronic signature. You may withdraw this consent by using the opt-out procedures described below.

Communications

EXPRESS WRITTEN CONSENT. BY SUBMITTING YOUR CONTACT INFORMATION, YOU ARE PROVIDING YOUR EXPRESS WRITTEN CONSENT TO RECEIVE COMMUNICATIONS FROM US AT THE PHONE NUMBER AND E-MAIL ADDRESS YOU ENTERED INTO OUR CONTACT FORM, OR THAT YOU LATER PROVIDE TO US. SUCH COMMUNICATIONS MAY INCLUDE ATTEMPTS TO CONTACT YOU VIA CALL, TEXT MESSAGE, AUTO-DIALING TECHNOLOGIES, AUTO-TEXTING TECHNOLOGIES, AND/OR PRERECORDED OR ARTIFICIAL VOICE MESSAGES. YOUR CONSENT ALSO SERVES AS YOUR EXPRESS WRITTEN CONSENT TO YOUR PAST RECEIPT OF ELECTRONIC COMMUNICATIONS FROM US.

YOU FURTHER REPRESENT AND WARRANT THAT: (I) YOU ARE AT LEAST 18 YEARS OLD; (II) YOU LIVE IN THE UNITED STATES; (III) YOU HAVE NOT REGISTERED ON A NATIONAL OR STATEWIDE DO-NOT-CALL LIST, OR OTHERWISE GRANT US A WAIVER TO SUCH REGISTRATION FOR THE USE HEREOF; (IV) YOU ARE THE ACCOUNT HOLDER OF, OR HAVE THE REQUIRED CONSENT TO PROVIDE, THE PHONE NUMBER AND E-MAIL ADDRESS PROVIDED; AND (V) THE PHONE NUMBER AND E-MAIL ADDRESS PROVIDED ARE ACCURATE, AND YOU WILL NOTIFY US IF YOU RELEASE EITHER TO ANOTHER PERSON.

Communications include. These communications may include, without limitation, telemarketing messages, through the use of e-mail, landline phone, cellular phone, and text messages (including SMS and MMS).

Autodialing. We may use an automatic telephone dialing system (or "auto-dialer"), which may employ an artificial or pre-recorded voice or "robotexts." Your carrier's standard rates and charges may apply.

No purchase necessary. Agreeing to these communications is not a condition of using any service from us.

Revoking consent and opting out. You may revoke your consent to receive communications at any time. To stop receiving text messages, reply "STOP" to any of our texts. To stop receiving e-mails, reply "UNSUBSCRIBE" to the e-mail. To stop receiving phone calls, communicate that request to us via phone, text, or e-mail. We will make a commercially reasonable effort to comply with any opt-out request. By contacting us to opt out, you consent to receive one final communication confirming your opt-out.

Communication frequency. How often we communicate with you will vary based on your inquiry and our follow-up process.

"Personally Identifiable Information"

Personally Identifiable Information refers to any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to, name, address, phone number, and e-mail address. Personally Identifiable Information does not include information collected anonymously or demographic information not connected to an identified individual.

What Personally Identifiable Information is collected?
We collect the following information from visitors who submit our contact form: name, phone number, e-mail address, property address, and moving/selling timeframe.

How does the Site use Personally Identifiable Information?
We use this information to respond to your inquiry, evaluate your property and situation, and contact you regarding our real estate services, including the guarantees offered through the JM Zero Risk List System.

With whom may the information be shared?

• We do not sell or share your information with third parties for marketing or promotional purposes.
• With your permission, we may share your information with a mortgage lender or other real estate service provider when doing so is necessary to assist with your transaction (for example, if you request a pre-approval or financing referral). We will not share your information with any such third party without first obtaining your permission to do so.
• We may also share information with service providers who help us operate this Site (such as our website hosting and data-storage providers), solely for that purpose.
• We may disclose information as part of a merger, sale, or transfer of our business, or when legally required to do so by government authorities, including law enforcement.

How is Personally Identifiable Information stored?
Personally Identifiable Information is securely stored in accordance with current industry standards and is not accessible to third parties except as described above.

Are Cookies used on the Site?
Cookies may be used on the Site to understand how visitors use it and to support advertising measurement, including through the Meta Pixel. This helps us evaluate the effectiveness of our advertising.

How does the Company use log-in and browsing information?
We may use information such as IP addresses and browser type to analyze trends, administer the Site, and gather general demographic information.

How can Visitors correct or delete their information?
You may contact us at any time to update, correct, or request deletion of your Personally Identifiable Information using the contact information below. Because of backups, it may not be possible to delete all residual information immediately, but we will not use, sell, or share deactivated information going forward.

SMS Non-Sharing Clause

Non-Discrimination & California Users' Rights

Non-discrimination. We will not discriminate against you for exercising any of your rights regarding your Personally Identifiable Information.

California users' rights. We provide California residents with the right to opt out of the sale of Personally Identifiable Information; we do not sell such information. California residents wishing to exercise their disclosure rights may contact us using the information below, including your name, address, and e-mail address in your request. We do not honor Do Not Track browser signals at this time.

Minors, Links & Governing Law

Minors. This Site is not intended for use by minors. No one under the age of 18 should use or provide personal information to this Site. If we discover we have mistakenly collected information from a child under 13, we will delete it as soon as possible.

Links. This Site may contain links to other websites. We encourage you to review the privacy policies of any linked site, as their practices may differ from ours.

Governing Law. This Privacy Policy is governed by the laws of the State of New Jersey, without regard to its conflict-of-law provisions. Any disputes arising under this Privacy Policy shall be subject to the exclusive jurisdiction of the courts of the State of New Jersey.

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time by posting the revised policy on this Site.

Contact Us

Last updated on September 24, 2026.