J & A CONSULTING SERVICES LLC ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
Information We Collect
Personal Information
We may collect personal information that you voluntarily provide to us when you:
- Request information about our funding products
- Submit a loan application
- Contact us via email or our contact form
- Subscribe to receive communications from us
The types of personal information we may collect include:
- Name and contact information (email address, mailing address)
- Business information (business name, industry, revenue, time in business)
- Financial information (bank statements, tax returns, credit reports)
- Social Security Number and/or Employer Identification Number
- Other information relevant to your funding request
Automatically Collected Information
When you visit our website, we may automatically collect certain information about your device and browsing activity, including:
- IP address and browser type
- Pages viewed and time spent on pages
- Referring website or search terms
- Device information and operating system
How We Use Your Information
We use the information we collect for the following purposes:
- To process and evaluate your funding application
- To communicate with you about our products and services
- To improve our website and customer service
- To comply with legal and regulatory requirements
- To detect and prevent fraud
- To send you marketing communications (with your consent)
SMS & Text Message Communications
Text Messaging Program
By providing your mobile phone number and expressly consenting to receive text messages from J & A CONSULTING SERVICES LLC, you agree to receive recurring marketing and promotional SMS/MMS messages, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
Message and Data Rates: Message and data rates may apply depending on your mobile carrier plan.
Opt-Out: You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After you send STOP, we will send you a confirmation message and you will no longer receive messages from us.
Help: For assistance, reply HELP to any message or contact us at johnny@jaconsultancyservices.com.
Not a Condition of Purchase: Consent to receive text messages is NOT a condition of purchase or of receiving any services from J & A CONSULTING SERVICES LLC. You may contact us through other means, including email or our website contact form.
Supported Carriers: Our text messaging program is supported by all major U.S. mobile carriers. Message delivery is subject to your carrier's terms and conditions.
How We Share Your Information
Third-Party Service Providers
We may share your information with trusted third-party service providers who assist us in operating our business, including:
- Credit reporting agencies
- Payment processors
- Document verification services
- Technology and hosting providers
- Marketing and communication platforms
These service providers are contractually required to protect your information and use it only for the purposes for which we disclose it to them.
Legal Requirements
We may disclose your information when required by law, regulation, legal process, or governmental request, or when we believe disclosure is necessary to:
- Comply with applicable laws and regulations
- Respond to subpoenas, court orders, or other legal processes
- Protect our rights, property, or safety, or that of our customers or others
- Detect, prevent, or address fraud or security issues
Mobile Opt-In Data Sharing
Important: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Data Security
We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:
- Encryption of sensitive data in transit and at rest
- Secure servers and network infrastructure
- Access controls and authentication procedures
- Regular security assessments and updates
However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
Your Privacy Rights
Depending on your location, you may have certain rights regarding your personal information, including:
- Access: You may request access to the personal information we hold about you
- Correction: You may request that we correct inaccurate or incomplete information
- Deletion: You may request that we delete your personal information, subject to certain exceptions
- Opt-Out: You may opt out of receiving marketing communications from us
- Data Portability: You may request a copy of your information in a portable format
To exercise any of these rights, please contact us at johnny@jaconsultancyservices.com.
Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us:
- Remember your preferences
- Understand how you use our website
- Improve website functionality and performance
- Deliver relevant content and advertisements
You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.
Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately so we can delete it.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will post the updated policy on this page with a new "Last Updated" date. We encourage you to review this Privacy Policy periodically.
Contact Us
If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:
J & A CONSULTING SERVICES LLC
35 Sw 114Th Ave Unit103
Miami, FL 33174
Email: johnny@jaconsultancyservices.com
Your California Privacy Rights
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, use, and share, and the right to request deletion of your personal information.
To exercise these rights, please contact us at johnny@jaconsultancyservices.com. We will respond to your request within 45 days.