PRIVACY POLICY
Last updated September 1, 2024
This privacy notice for T.J. Financial, Inc. (operating as T.J. Financial) (“we,” “us,” or “our”) explains how and why we may collect, store, use, and/or share (“process”) your information while you use our services (“Services”), including when you visit our website at
https://www.tjfinancial.com, any website of ours that links to this notice, or interact with us in other related ways, including any sales, marketing, or events.
Questions
Reading this privacy notice will help you understand your privacy rights and choices. If you still have any questions or concerns, please contact us at
info@tjfinancial.com.
Information Collected
Personal Information You Disclose
We gather information that you willingly provide when you register for our Services, request information about us or our products and Services, engage in activities on the Services, or otherwise communicate with us.
Personal Information Provided By You
The particular information we collect varies based on the context in which you provide it and may include:
- Name
- Phone Numbers
- Email Addresses
- Mailing Addresses
- Job Titles
- Date of Birth
- Usernames
- Passwords
- Contact Preferences
- Contact or Authentication Data
- Billing Addresses
- Debit/Credit Card Numbers
Sensitive Information
In accordance with various state privacy laws, we may only collect certain types of Sensitive Personal Information if we have obtained your explicit consent. Where applicable, we seek your permission to collect and utilize Sensitive Personal Information.
When required, and with your consent or as allowed by relevant laws, we process the following categories of sensitive information:
- Financial Data
- Information revealing race or ethnic origin
- Credit worthiness data
- Social security numbers or other government identifiers
In California, you have the right to restrict our use of your Sensitive Personal Information to only those purposes necessary to deliver the services or goods that an average consumer would reasonably expect. When we gather your Sensitive Personal Information, we use it solely to provide the services or goods for which it is required and in a manner you would reasonably anticipate.
Payment Data
If you make an online payment, we may collect the data needed to process your payment, including your payment instrument number and the security code associated with it. Payment information is managed and stored by the below companies and you can review their privacy notice below.
All personal information you provide to us must be truthful, complete, and accurate, and you are required to notify us of any updates to this information.
Information Automatically Collected
We automatically collect certain information about your interactions with us or our Services, including:
The information we collect includes:
- Device and Usage Data. We gather information on how you access our Services, including details about your device and network, such as hardware model, operating system version, mobile network, IP address, unique device identifiers, regional and language settings, browser type, and app version. Additionally, we collect data on your activity within our Services, including access times, pages viewed, links clicked, products and services explored, and the page you visited prior to arriving at our Services.
- Location Data. We collect location data, including information about your device's location, which can be either precise or approximate. The extent of data collected depends on the type and settings of your device used to access the Services. For example, we might use GPS and other technologies to gather geolocation data indicating your current location (based on your IP address). You can opt out of this data collection by denying access to location information or by disabling the Location setting on your device. Please note that opting out may limit your ability to use certain features of the Services.
Google API
Our use of information received from Google APIs will adhere to
Google API Services User Data Policy, including the
Limited Use requirements.
Information Collected From Other Sources
To enhance our capability to deliver relevant marketing, offers, and services to you, and to maintain the accuracy of our records, we may collect information about you from third-party sources, including but not limited to identity verification services, credit bureaus (including your credit report), advertising networks, mailing list providers, service providers, data brokers, and other similar entities. The types of information we may receive from these third parties include, but are not limited to, mailing addresses, job titles, email addresses, phone numbers, intent data (including user behavior data), Internet Protocol (IP) addresses, social media profiles and URLs, and custom profiles, which we utilize for purposes such as targeted advertising and event promotion.
The specific information obtained from such third parties varies based on the data made available by these sources. Examples of the types of information we may receive include financial account details, account balance information, credit account information, loan account information, investment account information, identifiers and data pertaining to account owners, transaction details, and employment-related information.
Processing Your Information
We process your personal information for a variety of reasons, depending on how you interact with our Services, including:
- To provide and deliver the Services you request
- To maintain, improve, and develop our products, services, and features, including debugging and error correction
- To send you technical notices, security alerts, support messages, and other transactional communications
- To respond to your inquiries and provide support
- To send you administrative information regarding our Services, terms, and policies
- To facilitate communication between users of our Services
- To request feedback and contact you about your use of our Services
- To send you marketing and promotional communications, subject to your marketing preferences (you may opt out at any time)
- To deliver targeted advertising and personalized content based on your interests and location
- To protect our Services through fraud monitoring and prevention
- To evaluate the effectiveness of our marketing and promotional efforts
- To comply with legal and regulatory obligations
Sharing With Third Parties
We may need to share your personal information if there is a business transfer. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
Information Retention
We will retain your personal information only for as long as is reasonably necessary to fulfill the purposes outlined in this Policy, or as required or permitted by applicable law.
Information Safety
We have implemented appropriate and reasonable technical and organizational measures to protect the security of the personal information we process. However, despite these safeguards and our efforts to secure your information, no method of electronic transmission over the Internet or method of electronic storage is entirely secure. Therefore, we cannot guarantee that unauthorized third parties, such as hackers or cybercriminals, will not be able to bypass our security measures and improperly access, collect, steal, or alter your personal information. While we strive to protect your personal information, any transmission of information to and from our Services is done at your own risk. We advise you to access our Services only within a secure environment.
Information From Minors
We do not knowingly collect or solicit personal information from children under the age of 18. If we become aware that we have collected personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we may have collected information from a child under 18, please contact us at
info@tjfinancial.com.
Your Privacy Rights
If we rely on your consent, whether express or implied, to process your personal information in accordance with applicable law, you have the right to withdraw that consent at any time. To withdraw your consent, please contact us using the contact information provided below.
Please be aware that the withdrawal of your consent will not affect the lawfulness of processing based on consent prior to its withdrawal. Furthermore, where permitted by applicable law, the withdrawal of consent will not affect the processing of your personal information conducted on other lawful grounds independent of consent.
You may opt out of receiving our marketing and promotional communications at any time by clicking the unsubscribe link included in our emails or by contacting us using the details provided in the contact information below. Upon opting out, you will be removed from our marketing lists. However, we may still communicate with you for non-marketing purposes, such as sending service-related messages necessary for the administration and use of your account, responding to service requests, or for other related operational purposes.
Account Information
If you would at any time like to review or change the information in your account or terminate your account, you can log in to your account settings and update your user account or contact us using the contact information provided.
Upon receiving your request to terminate your account, we will deactivate or delete your account and associated information from our active databases. However, we may retain certain information in our records as necessary to prevent fraud, resolve disputes, troubleshoot issues, assist with investigations, enforce our legal agreements, or comply with applicable legal obligations and regulatory requirements.
If you have questions or comments about your privacy rights, you may email us at
info@tjfinancial.com.
Controls For Do-Not-Track Features
Most web browsers, as well as some mobile operating systems and applications, offer a Do-Not-Track ("DNT") feature or setting that allows you to activate a preference indicating that you do not wish to have your online browsing activities monitored and collected. However, there is currently no uniform standard or regulation that governs the recognition and implementation of DNT signals. As a result, we do not respond to DNT browser signals or any other automated mechanisms that communicate your preference not to be tracked online.
Should a standard for online tracking be established that we are required to adhere to, we will update this Privacy Policy to reflect such practices.
Pursuant to California law, we are required to disclose how we respond to DNT signals. Due to the absence of a recognized industry or legal standard for recognizing DNT signals, we do not respond to them at this time.
United States Resident Privacy Rights
If you are a resident of California, you may have the right to request access to and receive information about the personal data we have collected about you, details regarding how we have processed it, the right to correct any inaccuracies, the right to receive a copy of your personal information, and the right to request the deletion of your personal information. You may also have the right to withdraw your consent to our processing of your personal information, where applicable. Please note that these rights are subject to certain limitations and exceptions as prescribed by applicable law. Further details are provided below.
Categories Of Personal Information Collected
| Company |
Examples |
| Identifiers |
Contact information, including but not limited to, legal name, pseudonym, mailing address, telephone or mobile number, unique personal identifier, online identifier, IP address, email address, and account username
|
| Professional or employment data |
Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us
|
| Personal data defined in the California Customer Records statute |
Name, contact information, employment, education, financial information, and employment history
|
| Protected classification characteristics under state or federal law |
Gender, age, date of birth, race and ethnicity, national origin, marital status, and other demographic data
|
| Sensitive personal data |
Account login information, citizenship or immigration status, debit or credit card numbers, drivers' licenses, financial information including account access details, national origin, passport numbers, racial or ethnic origin, social security numbers and state ID card numbers
|
We collect sensitive personal information only as permitted by applicable privacy laws, for purposes authorized by law, or with your explicit consent. Sensitive personal information may be utilized or disclosed to service providers or contractors for additional, specified purposes. You may have the right to restrict the use or disclosure of your sensitive personal information. We do not collect or process sensitive personal information to infer characteristics about you.
Additionally, we may gather other personal information outside these categories through your interactions with us, whether in person, online, or via phone or mail, including but not limited to seeking assistance through our customer support channels, participating in customer surveys, or facilitating the delivery of our services and addressing your inquiries.
We will use and retain the collected personal information as necessary to provide the services or for the duration of your account with us.
Information Disclosure
We may disclose your personal information to our service providers in accordance with written agreements between us and each service provider. Your personal information may be used for our internal business purposes, such as conducting research for technological development and demonstration. This use does not constitute "selling" of your personal information.
In the past twelve (12) months, we have not disclosed, sold, or shared any personal information with third parties for business or commercial purposes. We do not intend to sell or share personal information of website visitors, users, or other consumers in the future.
Your Rights
Under certain data protection laws in the U.S., you have specific rights regarding your personal information. These rights are not absolute and may be subject to legal limitations. They include:
- The right to know whether we are processing your personal data
- The right to access your personal data
- The right to correct inaccuracies in your personal data
- The right to request the deletion of your personal data
- The right to obtain a copy of personal data previously shared with us
- The right to non-discrimination for exercising your rights
- The right to opt out of the processing of your personal data if it is used for targeted advertising, the sale of personal data, or profiling that leads to significant legal effects ("profiling")
Depending on your state of residence, you may also have additional rights as permitted by applicable laws, including California’s privacy law, such as:
- The right to obtain a list of categories of third parties to whom we have disclosed personal data
- The right to limit the use and disclosure of sensitive personal data
Exercising Your Rights
To exercise these rights, you can contact us via:
If you wish to appoint an authorized agent to make a request on your behalf, we may require proof of their authorization according to applicable laws.
Request Verification
Upon receiving your request, we will need to verify your identity to ensure you are the individual about whom we hold information. We will use the information provided only for the purpose of verifying your identity or authority to make the request. If additional information is required to verify your identity or for security purposes, we may request it. For requests made through an authorized agent, additional verification may be needed, and the agent must provide written and signed authorization from you.
California "Shine the Light" Law
Under California Civil Code Section 1798.83, known as the "Shine the Light" law, California residents may request details about how their information is shared with third parties for direct marketing purposes. To make such a request, please submit it in writing using the contact details provided above.
Privacy Policy
T.J. Financial, Inc. is a licensed mortgage company located at 201 E. Live Oak Ave, Arcadia, CA 91006. This is not a consumer credit advertisement as defined by Regulation Z and may contain information exempt from disclosure under applicable law. Programs, rates, and guidelines are subject to change without notice. This does not constitute an offer to extend credit or a commitment to lend. Restrictions and limitations may apply. Not all customers will qualify. DRE # 01058708, NMLS # 332026.
Updates
We may update this Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated version will be indicated by an updated "Effective Date," and we may provide additional notice, such as an email or statement on our homepage, of significant changes. We encourage you to review this Policy periodically to stay informed of how we are protecting your information.
Contact
If you have any questions or comments regarding this notice, you may reach us via email at
info@tjfinancial.com or by postal mail at T.J. Financial, Inc., 201 E Live Oak Ave, Arcadia, CA 91006.
Modifying Your Data
Depending on the applicable laws of your country or U.S. state of residence, you may have the right to access the personal information we hold about you, obtain details regarding its processing, correct inaccuracies, or request its deletion. You may also have the right to withdraw your consent to the processing of your personal information. Please note that these rights may be subject to legal limitations. To request a review, update, or deletion of your personal information, please visit:
https://www.tjfinancial.com/contact.aspx.