PRIVACY POLICY

 

JFQ Lending, Inc. (the “Company”, “us”, “we”, “our”) is committed to protecting your privacy and the personal information that you provide to us when using the Company’s services and visiting our website. This privacy policy (this “Privacy Policy”) describes how we treat all user data collected during your visit to our website and use of our services. By visiting our website and using our services, you are accepting and agree to the terms in this Privacy Policy. This Privacy Policy will be updated periodically, so please be sure to reread it from time to time. If you do not agree with the terms in this Privacy Policy, please do not use our services or provide any information to us.

Authorized Users
Our services are not directed to and are not intended for access and use by persons under the age of 18. We do not intentionally collect or use personal information from users that we have reason to believe are under the age of 18.

What Personal Information is Collected?
We do not use our website or services to collect any personally identifiable information about you other than what you provide voluntarily for various purposes. In connection with certain services provided by the Company, you may need to fill out an application form or provide the Company with personally identifiable information, including without limitation your social security number and date of birth. In such events, we will ask for personal information so that we can provide the services you request. If you choose not to provide any personal information about yourself, we may not be able to fulfill a request you may have. If you provide personal information, you agree to provide true, complete, and current information and to promptly notify us of any changes in the information.

We do not sell our customer data. We do not disclose personal information to third parties except: (1) for the purpose of communicating with you; (2) when it is necessary for your use of the services, including but not limited to providing such information to lenders; (3) when it is necessary for employees, agents and contractors to operate or maintain the website or to correct a technical problem; (4) when it is necessary to verify the existence or condition of your account with a financial institution, credit bureau or other third-party; (5) with our affiliates; (6) with our business partners for research or marketing; (7) if we sell or merge the company or its assets with another company; or (8) for the purposes stated at the time of collection. We may collect and use usage information to develop new products or services or to provide special offerings to you.

Under special circumstances we may, and you authorize us to, disclose personally identifiable information without your consent if we believe, in our sole discretion, it is reasonable to do so to satisfy laws (such as the Electronic Communications Privacy Act, as amended) or government regulations, comply with legal process or law enforcement requests, commence legal actions to protect our rights or property, or to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person or violations of this Privacy Policy or other terms found on the website.

Except as otherwise provided, this Privacy Policy only addresses the information that we collect from you, but not about how third parties to whom you disclose your information may use and disclose your information. If you disclose your personal information to third parties such as lenders, other rules may apply to how they use and disclose information provided to them. We do not police or influence the privacy policies of third parties. When providing your personal information to third parties, their privacy policies govern their use and disclosure of your personal information. Before disclosing your personal information to a third party, you should familiarize yourself with their privacy policy.

What Anonymous Information is Collected?
Anonymous information is collected for every visitor to our website. This includes pages viewed, date and time, and browser type. IP numbers are not stored, but are temporarily used to determine domain type and in some cases, geographic region. We do not make any association between this information and a visitor’s identity.

Our website may use “cookies” and similar means to collect statistical information. A cookie is a small text file that is placed on your hard disk by a web page server. Cookies are uniquely assigned to you, and are designed to be read only by a web server in the domain that issued the cookie to you. We use cookies to identify your browser as you visit pages on our website. Cookies created on your computer by using our website do not contain personally identifiable information and do not compromise your privacy or security. Cookies allow us to gather anonymous information. If you choose to decline cookies, you may not be able to fully experience the features of this website.

Data Security
We may store any information you submit through the website or services. This information is retained and used in accordance with existing laws, rules, regulations, and other policies.

Personally identifiable information is stored on our server and is not publicly accessible. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we take reasonable precautions and have security measures in place to protect the loss, misuse and alteration of the information under our control. Although we attempt to ensure the integrity and security of our network and systems, we cannot guarantee that our security measures will prevent third-party “hackers” from illegally obtaining this information. We are not responsible for any breach of its security or for the actions of any third parties that may obtain any personal information. You are prohibited from violating or attempting to violate security for or otherwise interfering with the operation of the website. We do not make, and expressly disclaim, any representation or warranty, express or implied, regarding the security or integrity of the website and your personal information.

External Links
Our website may contain links to other websites. Please note that when you click on one of these links, you are entering another site. Links to other websites do not imply endorsement of the materials disseminated at those websites. We encourage you to read the privacy statements of these linked websites as their privacy policy may differ from ours. We are not responsible for the materials contained at any website linked to this site.

Choice/Opt-Out
If you have registered to receive email communications from us and later change your mind, you may contact us to have your name removed from our distribution lists at the email address numbers below. In connection with specific programs or offerings, by agreeing to participate you are generally agreeing to receive communications from us regarding other programs and special offerings. If you provide information and there is no mechanism to allow you to affirmatively opt-in, you agree that by providing the requested information and your email address, you have agreed to receive future communications from us. You are responsible for contacting us or clicking a link provided in the email if you wish to opt-out of further communications.

Updating Your Data
To update your personal information or to make corrections, you can do so by sending us the update via email to info@jfqlending.com. Certain jurisdictions allow you to request certain information regarding how we use your personal information. To make such a request, please send an e-mail to info@jfqlending.com.
Governing Law; Venue; Attorneys’ Fees. This Privacy Policy shall be construed in accordance with, and governed by, the laws of the State of Arizona, without regard to the application of conflicts of law principles. If you are accessing our website from a physical location outside of the United States with laws or regulations governing personal data collection, use, and disclosure that are different from United States laws, you agree that by accessing our website, you are transferring your personal information to the United States and you consent to the application of the laws of the United States and the State of Arizona with respect to use of our website and any dispute regarding our website, our services, or this Privacy Policy. Any disputes between the parties arising out of or related to this Privacy Policy, our website, or our services shall be filed in the state or federal courts located in Maricopa County, Arizona, and the parties specifically consent to the personal jurisdiction thereof for the purposes of resolving such disputes. The prevailing party in any litigation shall be entitled to recover from the other party its reasonable attorneys’ fees (as determined by a court and not a jury) and related costs and expenses incurred as a result of the litigation in addition to such other relief as may be granted. If any provision of this Privacy Policy is held by a court of competent jurisdiction to be illegal, unenforceable, or in conflict with any applicable law, the validity of the remaining portions or provisions shall remain in full force and effect.

California Do Not Track Disclosures
The Company does not respond to Do Not Track (DNT) signals. Some third party sites may track your actions when you are browsing and accessing content. Various browsers offer a DNT option that sends a signal to third parties that you do not want to be tracked.

For More Information – If you have any questions, concerns, or comments about this Privacy Policy, please contact via e-mail.

Updated August 2017