Privacy Policy

Important Privacy Choices

Notice At Collection (California Residents)

Last Revised: December 15, 2022

Do Not Sell or Share My Information

At Lightening Consulting Inc. (d/b/a Joseph Capital Network), we take the protection of personal information seriously. This Privacy Policy explains how we collect, use, and safeguard your data when you access our website and services. We encourage you to review this policy to understand our privacy practices.

By using or interacting with a Joseph Capital Network website (including all sub-sites) or applying for and using our business financial products and related services (collectively, the "Services"), you agree to our Privacy Policy and Terms of Use Agreement. You affirm that you are over 18 and capable of forming a binding legal agreement with Joseph Capital Network.

Joseph Capital Network reserves the right to modify this Privacy Policy at any time. Your continued use of the Sites following any updates signifies acceptance of the revised terms. As long as you comply with these terms, Joseph Capital Network grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Sites.

We are committed to protecting your personal information (such as name and email address) and have implemented appropriate safeguards to protect information provided directly by you and that obtained from authorized third-party sources.

This Privacy Policy follows Web Content Accessibility Guidelines to ensure accessibility for users with disabilities. Text elements are compatible with voice assistant programs such as JAWS, NVDA, and Orca. Graphic elements contain descriptive alternative text to support users with audio assistance needs.

If you have any questions or complaints regarding our Privacy Policy or need assistance exercising your privacy choices, please contact us at support@josephcapitalnetwork.com. You can also send written inquiries to:

Lightening Consulting Inc., d/b/a Joseph Capital Network

ATTN: Compliance Department

36-15 Garden View Terrace, Fair Lawn NJ 07410

Site Security

By using the Sites, you agree not to:

  1. Access data not intended for you.
  2. Invade the privacy of or obtain personal information about any customer or user.
  3. Probe, scan, or test the vulnerability of the Sites or breach security measures without authorization.
  4. Interfere with service, including actions such as submitting viruses, flooding, spamming, mail bombing, or crashing.
  5. Send unsolicited mail, promotions, or advertising.

Violations of system or network security may result in civil or criminal liability.

We employ reasonable administrative, technical, and physical measures to protect your information from loss, misuse, unauthorized access, disclosure, alteration, and destruction. Our security measures include firewalls, data encryption, physical access controls, and information access authorization mechanisms.

Information Collection and Use

We collect information from users and businesses to provide our Services. This includes, but is not limited to:

  1. Identifying information (name, email, phone number, business details, etc.).
  2. Financial data for eligibility assessment and fraud prevention.
  3. Third-party information for verification purposes.

We may also collect activity data from your interaction with the Sites, including IP address, browser type, and browsing behavior. Cookies and tracking technologies may be used for analysis, personalization, and marketing.

Information Sharing

Joseph Capital Network shares data only as permitted by law and under the following conditions:

  1. With service providers to facilitate operations (identity verification, customer support, marketing, fraud prevention, etc.).
  2. With credit bureaus for credit assessment and reporting.
  3. When required by law, regulation, or in response to legal requests.
  4. When necessary for business transactions, audits, or in the event of a company sale.
  5. With your explicit consent.

Your Privacy Choices

You may opt out of marketing communications by following the unsubscribe instructions in our emails. To limit data sharing, you may contact us at support@josephcapitalnetwork.com.

California Residents' Privacy Rights

Under the California Privacy Rights Act (CPRA), California residents have the right to:

  1. Request access to personal information collected in the past 12 months.
  2. Request deletion of personal information, subject to legal exceptions.
  3. Opt out of the sale or sharing of personal information (Joseph Capital Network does not sell personal data).
  4. Not be discriminated against for exercising privacy rights.

To exercise these rights, contact us at support@josephcapitalnetwork.com or call (800) 780-7133. We will verify your request before processing it.

Changes to This Policy

By using the Sites, you agree to this Privacy Policy. We may update this Privacy Policy periodically, with changes effective upon posting. If substantial changes occur, we will provide prominent notice. Please review this page regularly for updates.

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