Privacy Policy 

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OUR COMMITMENT TO YOUR PRIVACY

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At JFQ Lending LLC ("JFQ Lending," "we," "us," or "our"), we value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you engage with us or visit our website www.jfq-lending.com.

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By interacting with us, you consent to the practices described in this Privacy Policy.

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WHO IS JFQ LENDING?

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JFQ Lending LLC is a U.S.-based financial services company that offers mortgage lending and related financial products. We provide loan and refinance services, and act as a servicer of certain loan portfolios. We also market and promote financial products and services that may be of interest to you.

 

PERSONAL INFORMATION WE COLLECT

 

"Personal Information" refers to data that identifies, relates to, describes, or could reasonably be linked, directly or indirectly, with a specific individual.

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Examples of personal information we may collect include:

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• Full name, date of birth, Social Security number

• Contact details: email, phone number, residential address

• Employment and income information

• Credit history and credit score

• Bank account or financial information

• Identification documents (e.g., driver’s license)

• Mortgage and property-related information

• Information about dependents or cohabitants

• Any other information you voluntarily provide

 

We may also collect sensitive information where required and with your consent, such as health-related data if you apply for hardship assistance or insurance-related products.

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HOW WE COLLECT PERSONAL INFORMATION

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We may collect information through the following means:

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• Applications or forms you complete on our website

• Direct interactions with our employees or representatives

• Communications via email, phone, SMS, or social media

• Referrals from mortgage brokers or other service providers

• Third-party service providers, including credit reporting agencies

• Publicly available databases and online sources

• Cookies and web analytics tools on our website

 

If you provide us with information about another person (e.g., co-applicant or guarantor), you must have their consent and inform them of this Privacy Policy.

 

HOW WE USE YOUR PERSONAL INFORMATION

 

We use your personal information for purposes including:

• Processing loan or refinance applications

• Verifying your identity and creditworthiness

• Communicating with you about your application, loan status, or services

• Performing data analysis, audits, and internal reviews

• Marketing our products and services (subject to your preferences)

• Complying with applicable legal obligations

• Employment screening (if applying for a role with us)

 

We may also use your information to detect fraud, resolve disputes, and enforce our agreements.

 

DISCLOSURE OF PERSONAL INFORMATION

 

We may disclose your personal information to:

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• Credit reporting agencies (e.g., Equifax, Experian, TransUnion)

• Mortgage brokers, originators, underwriters, and loan servicers

• Government regulators and law enforcement when required by law

• Financial institutions and insurers involved in your transaction

• Attorneys, auditors, and professional advisors

• Technology and IT service providers (e.g., cloud hosting)

• Marketing and advertising platforms (where permitted)

• Any third party with your consent

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International Transfers: While we primarily operate within the United States, some service providers (e.g., IT vendors) may process data offshore. In such cases, we ensure appropriate safeguards are in place.

 

CREDIT INFORMATION AND CONSUMER REPORTING

 

As part of our lending process, we may collect and use credit-related personal information, including:

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• Credit reports and scores from consumer reporting agencies

• Repayment history, credit utilization, and public records

• Information provided by you in your application

 

If you fall behind on your obligations or default, we may report this information to credit bureaus, as permitted by law.

Consumer Reporting Agencies may include:

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• Equifax: www.equifax.com

• Experian: www.experian.com

• TransUnion: www.transunion.com

 

COOKIES AND ONLINE TRACKING

 

When you visit our website, we may use cookies and similar technologies to:

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• Improve your browsing experience

• Analyze website usage and performance

• Customize offers and advertisements

• Track engagement with email or digital campaigns

 

You can manage cookie preferences via your browser settings. Disabling cookies may impact your experience on our website.

 

DIRECT MARKETING

 

We may send you marketing communications about financial products and services via:

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• Email

• SMS

• Phone calls

• Social media

 

You may opt out of marketing at any time by contacting us or following the unsubscribe instructions in our messages. We do not sell your personal information to third parties.

 

PROTECTING YOUR PERSONAL INFORMATION

 

We implement reasonable physical, technical, and administrative safeguards to protect your personal information from:

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• Unauthorized access

• Misuse or loss

• Disclosure or alteration

 

We retain your personal information only as long as necessary for business or legal purposes.

 

YOUR PRIVACY RIGHTS (INCLUDING CALIFORNIA CONSUMERS)

 

If you are a resident of certain U.S. states (e.g., California), you may have additional privacy rights, including the right to:

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• Access the personal information we hold about you

• Request deletion of your personal information

• Opt out of the sale or sharing of your personal information

• Correct inaccurate personal data

 

To exercise these rights, contact us using the details below. We will verify your identity before processing your request.

 

CHILDREN’S PRIVACY

 

Our services are not intended for children under the age of 13. We do not knowingly collect personal information from minors.

 

ACCESS AND CORRECTION

 

You may request access to or correction of your personal information by contacting us. We will respond in accordance with applicable laws and may charge a reasonable fee for access requests, if permitted.

 

COMPLAINTS AND QUESTIONS

 

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

Privacy Officer
JFQ Lending LLC
7720 N Dobson Rd, Scottsdale, Arizona 85256
Email: privacyofficer@jfq-lending.com

We will respond to your inquiry or complaint within 15 business days, or as required by law.

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CHANGES TO THIS PRIVACY POLICY

 

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. The latest version will always be available on our website.

We encourage you to review this policy periodically.