Privacy Policy

Last Updated: January 1, 2024

JBCG Enterprises, LLC ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website jbcgholdings.com or use our services.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

Submit a financing application or inquiry through our contact forms
Communicate with us via email or other channels
Subscribe to our communications (email or SMS)
Provide information during the underwriting process

Personal information may include:

Name and contact information (email address, business address)
Business information (company name, EIN, business structure)
Financial information (bank statements, tax returns, financial statements)
Other information relevant to your financing application

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including:

IP address and browser type
Operating system and device information
Pages visited and time spent on pages
Referring website or source

2. How We Use Your Information

We use the information we collect to:

Process and evaluate your financing applications
Communicate with you about our services, products, and offers
Respond to your inquiries and provide customer support
Improve our website, services, and user experience
Comply with legal obligations and enforce our terms
Detect, prevent, and address fraud or security issues
Send you marketing communications (with your consent)

3. SMS & Text Message Communications

Consent to Receive SMS Messages

By providing your consent through our contact form, you agree to receive recurring marketing and promotional SMS/MMS messages from JBCG Enterprises, LLC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).

Message Frequency and Rates

Message frequency varies based on your account activity and our promotional calendar. You may receive up to 4 messages per month. Message and data rates may apply depending on your mobile carrier plan.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. Upon sending STOP, you will receive a confirmation message that you have been unsubscribed. After this, you will no longer receive SMS messages from JBCG Enterprises, LLC.

Help Information

For assistance or questions about our SMS program, reply HELP to any message or contact us at joshua@jbcgholdings.com.

Not a Condition of Purchase

Consent to receive SMS messages is NOT a condition of purchase or use of our services. You may still apply for and receive financing without providing SMS consent.

Mobile Number Changes

If you change your mobile number, you are responsible for notifying us to update your contact information and consent preferences.

Third-Party Sharing of Mobile Information

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.

4. How We Share Your Information

We may share your information in the following circumstances:

Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as:

Payment processing and underwriting services
Data analysis and business intelligence
Email and SMS delivery services
Website hosting and IT infrastructure
Legal and compliance services

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

Legal Obligations

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, subpoenas, or government agencies).

Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction.

With Your Consent

We may share your information for any other purpose with your explicit consent.

5. 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 data in transit and at rest
Access controls and authentication protocols
Regular security assessments and audits
Employee training on data protection practices

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.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Financial records and application materials are typically retained for a minimum of 7 years in accordance with industry standards and regulatory requirements.

7. Your Privacy Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information:

Access: Request access to the personal information we hold about you
Correction: Request correction of inaccurate or incomplete information
Deletion: Request deletion of your personal information (subject to legal retention requirements)
Opt-Out: Opt out of marketing communications (email via unsubscribe links, SMS via STOP)
Data Portability: Request a copy of your information in a structured, machine-readable format

To exercise any of these rights, please contact us at joshua@jbcgholdings.com.

8. 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 we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on this page and update the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

JBCG Enterprises, LLC
1200 Brickell Ave, Suite 3130
Miami, FL 33131
Email: joshua@jbcgholdings.com