Privacy Policy

1. Introduction

Welcome to JH Crédito y Capital. We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our practices with regards to your personal information, please contact us at [email protected].

When you visit our website https://jhcreditocapital.com (the "Website"), and more generally, use any of our services (the "Services", which include the Website), we appreciate that you are trusting us with your personal information. We take your privacy very seriously. In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it.

By submitting your phone number on our website forms and checking the SMS consent checkbox, you agree to receive SMS messages from JH Crédito y Capital including consultation confirmations, appointment reminders, intake updates, and service-related notifications. Message frequency varies; you may receive approximately 2 to 6 messages per month depending on engagement. Message and data rates may apply. Reply STOP to opt out at any time or HELP for assistance. Consent is not a condition of receiving services. Mobile carriers are not liable for delayed or undelivered messages.

Please read this privacy policy carefully, as it will help you understand what we do with the information that we collect.

2. What Information Do We Collect?

We collect personal information that you voluntarily provide to us when you submit a consultation request on the Website, express an interest in obtaining information about our services, when you participate in activities on the Website, or otherwise when you contact us.

The personal information that we collect depends on the context of your interactions with us and the Website, the choices you make, and the services you use. The personal information we collect may include the following:

Personal Information Provided by You. We collect names; phone numbers; email addresses; state of residence; and other similar information related to your inquiry or case.
Inquiry & Case Information. We may collect details about your situation that you voluntarily provide through our consultation request forms or support communications.

3. How Do We Use Your Information?

We use personal information collected via our Website for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations.

To facilitate consultation requests and intake coordination.
To send administrative information and service updates to you.
To deliver financial consulting and consumer rights advisory services to the client.
To respond to user inquiries and offer support to clients.
To send you service notifications and marketing communications only where you have explicitly opted in.
To deliver targeted educational content related to vehicle financial disputes and consumer rights advisory services.
For other legitimate business purposes.

4. Will Your Information Be Shared With Anyone?

We may process or share your data that we hold based on the following legal basis:

Consent: We may process your data if you have given us specific consent to use your personal information for a specific purpose.
Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests.
Performance of a Contract: Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract.
Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. Cookies and Similar Technologies

We use cookies and similar tracking technologies on our Website to help customize the Website and improve your experience. A cookie is a small file placed on your device that enables various features and functionality.

Essential Cookies: These cookies are essential for enabling user movement around our Website and providing access to features and secure areas of the Website. This category of cookies cannot be disabled.
Analytics and Performance Cookies: These cookies collect information about traffic to our Website and how users interact with it. The information gathered does not identify any individual visitor and is aggregated.
Functionality Cookies: These cookies remember choices you make such as language preference or other online settings and provide personalized or enhanced features.
Targeting and Advertising Cookies: These cookies track your browsing habits and location to provide you with relevant content in line with your interests.

If you prefer to avoid the use of cookies on the Website, you can disable the use of cookies in your browser settings. Please note that disabling cookies may affect the functionality of the Website.

6. How Long Do We Keep Your Information?

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law. When your information is no longer needed, we will securely delete or anonymize it.

7. How Do We Keep Your Information Safe?

We aim to protect your personal information through a system of organizational and technical security measures. While we take reasonable steps to secure your data, no method of electronic transmission or storage is completely secure.

8. Do We Collect Information from Minors?

We do not knowingly solicit data from or market to children under 18 years of age. If you are under 18, please do not submit any personal information through our Website or services.

9. What Are Your Privacy Rights?

You have certain rights regarding your personal information, subject to local data protection laws. These may include the right to access, correct, or delete your personal information, and the right to withdraw consent for marketing communications at any time.

To exercise any of these rights, please contact us at [email protected] or call +1 (956) 704-9181.

10. Do California Residents Have Specific Privacy Rights?

If you are a resident of California, you are granted specific rights regarding access to your personal information under the California Consumer Privacy Act (CCPA). You may contact us to exercise these rights.

11. Do We Make Updates to This Policy?

We may update this privacy policy from time to time. The updated version will be indicated by an updated effective date and will be effective as soon as it is accessible. We encourage you to review this policy periodically.

12. How Can You Contact Us About This Policy?

If you have questions or comments about this policy, you may contact us at:

JH Crédito y Capital
802 E Expressway 83, Suite A
Pharr, Texas 78577
[email protected]
+1 (956) 704-9181