This Privacy Notice discloses the privacy practices for https://jsvcapital.com/ and applies solely to information collected by this web site.
It will notify you of the following:
- What personally identifiable information is collected from you through the website, how it is used and with whom it may be shared.
- What choices are available to you regarding the use of your data.
- The security procedures in place to protect the misuse of your information.
- How you can correct any inaccuracies in the information.
We reserve the right to change this Privacy Notice from time to time. Your use of our site and submission of Personal Information online constitutes acceptance and understanding of this Statement as in effect at the time of your submission.
What Information We Collect and What We Do With It
We do not collect personal information from visitors to our website unless you voluntarily decide to transmit information to us through one of the provided e-mail addresses or as part of an online application. Visitors are invited to apply for our products or services, make inquiries about our company and the services we provide, or to inquire about job opportunities. We will use the information you provide us in those communications to respond to your inquiry and to provide you with information relating to our company. With your permission we may also provide you with information about potential third-party services that we believe you may find of interest. We may also use your information to provide you with information about different products and services that we or an affiliated company may offer.
After we have obtained your permission, we may provide your personal information to third parties to allow these third parties to provide you with information relating to products or services that they may provide or might be of interest to you. We also disclose your personal information to contractors or service providers who provide services or perform functions on our behalf – for example, an information technology service provider or human resources consultant. Those contractors and service providers are permitted to use your personal information only for the purpose for which it has been provided and may not disclosure it to any other third party except at our express direction and consistently with this Privacy Statement.
Your Access to and Control Over Information
You can do the following at any time by contacting us via the email address or phone number given on our website:
- See what data we have about you, if any.
- Change/correct any data we have about you.
- Have us delete any data we have about you.
- Express any concern you have about our use of your data.
We use “cookies” on this site and on other company related material. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and other material and identify repeat visitors. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
While we use encryption to protect sensitive information transmitted online in any form, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable Information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
100 Walnut Avenue, Clark, New Jersey 07066
The below information applies solely to California residents that are owners of a business (whether located in California or elsewhere), that have inquired or submitted an application for financing to JSV Capital (or to JSV Capital through a third party) and whose interactions with JSV Capital are subject to the California Consumer Protection Act (“CCPA”).
I. Why Do We Collect Your Personal Information?
JSV Capital provides commercial financing to small businesses. In order to provide small business financing, we must collect information regarding the business as well as personal information from the business owner(s). Without obtaining this information, JSV Capital would be unable to provide financing as it would not have the information necessary to underwrite a request for financing.
II. What Personal Information Do We Collect?
JSV Capital collects and maintains all information that the business owner(s) submits to JSV Capital. This includes information about the business (e.g. business name, business address, business telephone number, business bank statements, credit card processing statements, federal tax identification number, financial statements, tax returns, email addresses, etc.) as well as all personal information submitted by the business owner(s) to JSV Capital (e.g. name, address, date of birth, driver’s license information, social security number, credit report information, telephone number, email addresses, etc.). JSV Capital also collects and maintains information about the business applicant and owner(s) that JSV Capital receives from third parties. This information may be obtained by JSV Capital from a third party that refers the business and business owner(s) to JSV Capital and such information may include everything listed above that JSV Capital collects itself from businesses and their owners. This information may also be obtained by JSV Capital from other third parties such as tax reporting services, bank account verification services, bank activity information providers, credit reporting services, landlords and neighbors, telephone number verification services, email verification services, IP address verification services, business status services, and credit card processing companies. JSV Capital may disclose the aforementioned categories of personal information to third parties in order for third parties to provide commercial financing to the business or in order for third parties to assist JSV Capital in its servicing or collection of past due accounts.
JSV Capital also collects and maintains information that is indirectly provided to us by visiting our website(s) or any other online pages that we may maintain (whether accessed by computer or mobile phone). This includes information such as IP Addresses, browser information, information collected via cookies, geolocation and any actions taken while utilizing JSV Capital’s website or other online pages that we may maintain.
III. Do We Sell Personal Information?
JSV Capital does not sell any personal information to third parties. JSV Capital may share personal information to its service providers who have a need to know the information to assist JSV Capital and to third parties who will assist a small business applicant in obtaining financing for the business and will do so only with the business’s express authorization.
JSV Capital only provides commercial financing to businesses whose owners are over the age of eighteen (18) years old and therefore does not collect nor sell the personal information of minors.
IV. Right to Request Information Regarding Collected Personal Information
A business owner has the right to request that JSV Capital disclose what personal information it has collected about the business owner and what personal information JSV Capital may have disclosed to a third-party. A business owner that submits personal information to JSV Capital can either personally or through an authorized agent, request the disclosure of the personal information that JSV Capital collected and maintains within the previous twelve (12) months.
A business owner, or their authorized agent, that submits personal information to JSV Capital may request the disclosure of personal information by submitting a verifiable request for information to: firstname.lastname@example.org. In order to be a verifiable request for information, the email must include the following: business name; business’s owner’s name; business address, business owner’s home address; business email, business owner’s email; business telephone number, and business owner’s telephone number.
Within ten (10) days after receipt of the verifiable information request, JSV Capital will confirm that it is in receipt of the request and will utilize the information provided to lookup the relevant information in its internal systems so that it may determine what personal information of the business owner(s) JSV Capital collected and maintains. JSV Capital will respond to the request within forty-five (45) days after receipt of the request; however, if necessary, JSV Capital may utilize an additional forty-five (45) days to respond to the request and will provide you with notice of the additional time.
V. Right to Request Deletion of Personal Information
A business owner, or their authorized agent, has the right to request that JSV Capital delete the personal information it has collected and maintains about the business owner(s). A business owner, or their authorized agent, may request the deletion of the personal information that JSV Capital collected and maintains within the preceding twelve (12) months.
A business owner, or their authorized agent, may request the deletion of personal information, by submitting a verifiable request for deletion to: email@example.com. In order to be a verifiable request for deletion, the email must include the following: business name; business’s owner’s name; business address, business owner’s home address; business email, business owner’s email; business telephone number, and business owner’s telephone number.
Within ten (10) days after receipt of the verifiable deletion request, JSV Capital will confirm that it is in receipt of the request and will utilize the information provided to lookup the business owner’s information it its internal systems so that it may determine what personal information of the business JSV Capital collected and maintains. JSV Capital will respond to the request within forty-five (45) days after receipt of the request; however, if necessary, JSV Capital may utilize an additional forty-five (45) days to respond to the request and will provide you with notice of the additional time.
JSV Capital will not delete the business owner’s personal information to the extent the information is used: (1) to render a decision related to a financing request; (2) to service an outstanding financing product; (3) to prevent fraudulent or illegal activity; (4) for JSV Capital’s internal use related to your relationship with JSV Capital as well as JSV Capital’s development of underwriting models, risk models, marketing models, and collection models; (5) for accounting or tax purposes and to comply with a legal obligation; or (6) for JSV Capital’s internal use in a lawful manner that is compatible with the context in which the business owner(s) provided the personal information.
VI. Right of Non-Discrimination
JSV Capital does not discriminate against any small business or small business owner(s) that exercises their right under the CCPA. Any small business or small business owner(s) that exercises their rights under the CCPA shall be treated the same as a small business or small business owner(s) that did not exercise its rights under the CCPA.
100 Walnut Avenue, Clark, New Jersey 070