Privacy Policy

Jayma Qualified ("Company," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, submit a financing application, communicate with us via phone, email, or text message, or otherwise interact with our services.

By using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our website or services.

1. Information We Collect

Personal Information You Provide

We may collect the following when you submit a form, apply for financing, or contact us:

• Full name
• Email address
• Phone number (including mobile)
• Mailing address
• Business name and business information
• Social Security Number or Tax ID (for credit applications)
• Date of birth
• Driver's license number
• Financial information (income, bank statements, credit history)
• Equipment or vehicle details related to financing inquiries

Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and approximate geographic location
• Browser type, device type, and operating system
• Pages visited, time spent, and referring URLs
• Cookies, pixels, and similar tracking technologies

Information from Third Parties

We may receive information from third-party sources including credit bureaus, lending partners, analytics providers, and marketing platforms.

2. How We Use Your Information

We use your information to:

• Process and evaluate financing applications
• Communicate with you about your application, account, or inquiries
• Send transactional messages (application status, approvals, documents)
• Send marketing communications, including via SMS/text message, with your consent
• Improve our website, services, and customer experience
• Comply with legal and regulatory obligations
• Detect and prevent fraud
• Share with lending partners to facilitate financing

3. SMS/Text Messaging Policy

By providing your mobile phone number and opting in, you consent to receive text messages from Jayma Qualified related to your financing inquiry, application status, promotions, and other marketing communications.

• Message frequency: Message frequency varies. You may receive recurring messages.
• Message and data rates may apply. Your carrier's standard messaging rates apply.
• Opt-out: You may opt out of SMS messages at any time by replying STOP to any message. You will receive a confirmation message and no further texts will be sent unless you re-subscribe.
• Help: Reply HELP for assistance or contact us at 980-829-6095 or info@jaymaqualified.com.
• Consent is not a condition of purchase. You are not required to consent to SMS messaging as a condition of purchasing any goods or services.
• No mobile information sharing: We do not share your mobile phone number or SMS opt-in data with third parties or affiliates for marketing or promotional purposes. Mobile information will not be sold, rented, or shared, except as required to deliver the messages you have consented to receive or as required by law.

4. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to analyze website traffic, personalize content, and serve targeted advertisements. You can manage cookie preferences through your browser settings. Disabling cookies may affect your experience on our website.

We may use the following types of cookies:

• Essential cookies: Required for website functionality
• Analytics cookies: Help us understand how visitors use our site
• Marketing cookies: Used to deliver relevant advertisements

5. How We Share Your Information

We may share your personal information with:

• Lending partners and financial institutions — to process and fund your financing application
• Credit bureaus — to perform soft or hard credit inquiries as part of the application process
• Service providers — including hosting, analytics, CRM, email, and SMS platforms that assist in operating our business
• Legal and regulatory authorities — when required by law, regulation, or legal process
• Business transfers — in connection with a merger, acquisition, or sale of assets

We do not sell your personal information to third parties for their own marketing purposes.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we securely dispose of it.

8. Your Rights and Choices

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications (email or SMS)
• Withdraw consent where processing is based on consent

To exercise any of these rights, contact us at info@jaymaqualified.com or 980-829-6095. We will respond to your request within a reasonable timeframe.

9. Third-Party Links

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

10. 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 learn that we have collected information from a child under 18, we will delete that information promptly.

11. California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to request deletion, and the right to opt out of the sale of personal information. We do not sell personal information. To submit a request, contact us at info@jaymaqualified.com.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our website or services after any changes constitutes your acceptance of the revised policy.

13. Contact Us

If you have questions about this Privacy Policy, contact us at:

Jayma Qualified
Email: info@jaymaqualified.com
Phone: 980-829-6095