Terms of Service

Welcome to JH Crédito y Capital!

These terms and conditions outline the rules and regulations for the use of JH Crédito y Capital's website and services.

By accessing this website we assume you accept these terms and conditions. Do not continue to use JH Crédito y Capital's website if you do not agree to take all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: "Client", "You" and "Your" refers to you, the person accessing this website and compliant to the Company's terms and conditions. "The Company", "Ourselves", "We", "Our" and "Us", refers to JH Crédito y Capital. "Party", "Parties", or "Us", refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client's needs in respect of provision of the Company's stated services, in accordance with and subject to, prevailing law.

SMS Communications

JH Crédito y Capital uses SMS messaging to communicate with clients regarding consultation confirmations, appointment reminders, intake updates, scheduling notifications, and service-related communications. Messages are only sent to users who have explicitly opted in through our website forms. Message frequency varies; you may receive approximately 2 to 6 messages per month. Consent to receive SMS messages is not required to receive services.

Marketing and educational messages, including consumer rights tips, financial wellness resources, service updates, and educational content related to vehicle financial dispute advisory services, are only sent to users who have separately and explicitly opted in via a second optional checkbox. Consent to receive marketing messages is not required to submit the form or receive services.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying STOP to any message. For assistance, reply HELP or contact us at [email protected].

Message & Data Rate Disclosure

Message and data rates may apply depending on your mobile carrier and plan. You can expect to receive approximately 2 to 6 messages per month depending on your engagement with our services. For questions regarding your text or data plan, please contact your wireless provider.

Carrier Liability Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

Age Restriction (18+)

You must be at least 18 years old to use our services and opt in to receive SMS communications. By opting in, you confirm that you are 18 years of age or older, or have parental or guardian consent where applicable.

Cookies

We employ the use of cookies. By accessing JH Crédito y Capital's website, you agreed to use cookies in agreement with our Privacy Policy.

Most interactive websites use cookies to let us retrieve the user's details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website.

License

Unless otherwise stated, JH Crédito y Capital and/or its licensors own the intellectual property rights for all material on this website. All intellectual property rights are reserved. You may access content from this website for your own personal use subject to restrictions set in these terms and conditions.

You must not:

Republish material from JH Crédito y Capital's website
Sell, rent or sub-license material from JH Crédito y Capital's website
Reproduce, duplicate or copy material from JH Crédito y Capital's website
Redistribute content from JH Crédito y Capital's website

Mobile Information & Third-Party Sharing

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.

Content Liability

We shall not be held responsible for any content that appears on your website. You agree to protect and defend us against all claims arising on your website. No links should appear on any website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

Limit or exclude our or your liability for death or personal injury
Limit or exclude our or your liability for fraud or fraudulent misrepresentation
Limit any of our or your liabilities in any way that is not permitted under applicable law
Exclude any of our or your liabilities that may not be excluded under applicable law

Reservation of Rights

We reserve the right to amend these terms and conditions at any time. By continuing to use our website, you agree to be bound by the current version of these terms and conditions.

Contact Us

If you have questions or concerns about these Terms of Service, please contact us:

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