This Privacy Policy governs the manner in which JOEDOESHELOANS (“Company”, “we”, “our”, or “us”) collects, uses, maintains, and discloses information collected from users (each, a “User”) of the Joedoesheloans.com website (the “Site”) and our associated products, services, and communication systems, including SMS.

1. Personal Identification Information

We may collect personal identification information from Users in various ways, including but not limited to:

• Visiting the site

• Registering or subscribing

• Filling out forms

• Responding to surveys

• Participating in promotions or contests

• Interacting with other features of our Site

Information may include:

• Full name

• Email address

• Phone number

Users may refuse to provide personal information, though doing so may limit participation in certain Site-related activities.

2. Non-Personal Identification Information

We may collect non-personal information such as:

• Browser type

• Computer/device type

• Operating system

• Internet service provider

• IP address and technical connection details

3. Web Browser Cookies

Our Site may use “cookies” to:

• Enhance user experience

• Track preferences

• Collect usage analytics

Users can set their browsers to refuse cookies or alert when cookies are being sent. Disabling cookies may impact some Site features.

4. How We Use Collected Information

JOEDOESHELOANS may use personal information for the following purposes:

• To improve customer service

• To personalize user experience

• To improve our Site and offerings

• To process service orders

• To send emails and updates

  • With company news, offers, or service info

• To share data with third parties

  • Excludes SMS consented data—see Section 5

Users may unsubscribe from emails at any time by following the instructions in the message or contacting us directly.

5. SMS & Text Messaging Policy

By opting in to receive SMS communications from JOEDOESHELOANS, you agree to receive informational, promotional, conversational, and support-related texts related to your interests or service use.

Standard disclosures:

• Message and data rates may apply

• Message frequency varies

• Reply STOP to opt out

• Reply HELP for support

SMS Data Privacy:

Mobile Opt in, SMS Consent,  and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.

6. How We Protect Your Information

We use secure data practices including:

• Data encryption

• Secure storage systems

• PCI vulnerability compliance standards

We take appropriate steps to protect your personal data from unauthorized access, alteration, disclosure, or destruction.

7. Third-Party Websites

Our Site may contain links to third-party websites. We are not responsible for their content, data practices, or policies. Users should consult those sites’ privacy policies independently.

8. Children’s Privacy

We do not knowingly collect information from children under 13. Our Site and services are intended for adults over 18.

9. Changes to This Privacy Policy

JOEDOESHELOANS reserves the right to update this Privacy Policy at any time. The updated date will appear at the top of the policy. Users are encouraged to check this page regularly to stay informed.

10. Your Acceptance of These Terms

By using this Site, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Site. Continued use after updates signifies your acceptance.

11. Contacting Us

If you have questions about this Privacy Policy or your interactions with our Site, contact us at:
Email: Jfalla@prmg.net