Last Updated: January 1, 2025 • JCH Capital Group LLC • Highland Park, NJ 08904
This Privacy Policy describes how JCH Capital Group LLC ("JCH Capital Group," "we," "our," or "us"), a direct lender located at 28 South 6th Avenue, Highland Park, NJ 08904, collects, uses, and shares information about you when you visit our website at jchcapitalgroup.com, submit a funding application, or communicate with us. By using our website or services, you agree to the terms of this Privacy Policy.
When you submit a funding application, contact form, or otherwise communicate with us, we may collect:
When you visit our website, we may automatically collect:
We use the information we collect to:
We will not use your information for purposes materially different from those described in this Policy without providing notice and, where required, obtaining your consent.
JCH Capital Group LLC operates an opt-in SMS/text message program for marketing, promotional, and informational communications related to our financial products and services.
We collect your express written consent to receive SMS/MMS messages through a clearly identified, separate opt-in checkbox on our contact and application forms. The SMS opt-in checkbox is never pre-checked, is always separate from other opt-ins (such as email), and includes complete disclosure of the program terms before you opt in. Consent is NOT a condition of purchase of any product or service from JCH Capital Group LLC.
If you opt in to our SMS program, you may receive recurring marketing and promotional SMS/MMS messages from JCH Capital Group LLC, including:
You may opt out of receiving SMS messages from JCH Capital Group LLC at any time by replying STOP to any message you receive from us. Upon receipt of your STOP request, we will send you a single confirmation message and remove you from our SMS list. After opting out, you will not receive further marketing SMS messages unless you affirmatively re-enroll.
If you need assistance with our SMS program, reply HELP to any message or contact us directly at yoseph@jchcapitalgroup.com.
JCH Capital Group LLC does not sell your personal information. We may share your information in the following limited circumstances:
We may share information with trusted third-party vendors and service providers who perform services on our behalf, including IT infrastructure, CRM systems, analytics providers, and communication platforms. These parties are bound by contractual obligations to keep your information confidential and secure and are prohibited from using it for their own marketing purposes.
As part of the lending process, we may access or share relevant financial information with credit bureaus, bank account verification services, and underwriting partners to process and evaluate your funding application, to the extent permitted by applicable law and disclosed at the time of application.
We may disclose information if required to do so by law, court order, regulatory authority, or government request, or when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or comply with a legal obligation.
In the event of a merger, acquisition, sale of assets, or other business transfer, your information may be transferred as part of that transaction. You will be notified of any such change and any choices you may have.
We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption of sensitive data in transit and at rest, access controls, and regular security reviews.
While we work diligently to protect your information, no security system is impenetrable. We cannot guarantee the absolute security of your information. You are responsible for maintaining the security of any account credentials.
If you suspect your information has been compromised, please contact us immediately at yoseph@jchcapitalgroup.com.
Our website may use cookies and similar tracking technologies (such as web beacons and pixels) to enhance your browsing experience, analyze site traffic, and understand how visitors interact with our content. Cookies are small data files stored on your device by your browser.
We may use the following types of cookies:
You can control cookies through your browser settings. Disabling certain cookies may affect the functionality of our website. Refer to your browser's help documentation for instructions on managing cookies.
Depending on your state of residence, you may have the following rights with respect to your personal information:
To exercise any of these rights, please contact us at yoseph@jchcapitalgroup.com. We will respond to verifiable requests within the timeframe required by applicable law.
Our website and 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 minor, please contact us immediately and we will take steps to delete it.
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Policy periodically. Your continued use of our website or services after changes take effect constitutes your acceptance of the updated Policy.
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
JCH Capital Group LLC
28 South 6th Avenue
Highland Park, NJ 08904
Email: yoseph@jchcapitalgroup.com
EIN: 92-1916060