Privacy Policy

Introduction

Joseph Capital Network ("we," "our," or "us"), a division of Lightening Consulting Inc., is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

Submit a financing application
Contact us through our website
Subscribe to our communications
Request information about our services

This information may include:

Name and contact information (email, phone, address)
Business or company information
Financial information related to your financing request
Property or project details
Any other information you choose to provide

Automatically Collected Information

When you visit our website, we may automatically collect:

IP address and browser type
Device information
Pages visited and time spent on our site
Referral sources

How We Use Your Information

We use the information we collect to:

Process your financing applications and requests
Communicate with you about our services
Connect you with appropriate financing solutions
Improve our website and services
Comply with legal obligations
Protect against fraud and unauthorized transactions

Information Sharing

We may share your information with:

Financing Partners: To process your financing request, we share relevant information with our network of financing partners.
Service Providers: Third parties who assist us in operating our website and conducting our business.
Legal Requirements: When required by law or to protect our rights.

We do not sell your personal information to third parties.

SMS / Text Messaging

Joseph Capital Network may send you SMS (text) messages in connection with your inquiry or financing request, including replies from our loan agents, application and status updates, document requests, and appointment scheduling.

No sharing of mobile information: We do not sell, rent, or share your mobile phone number or SMS opt-in consent with any third parties or affiliates for their own marketing or promotional purposes. Mobile opt-in information is used solely to deliver the messages you have requested, and is not shared with third parties or affiliates for marketing purposes under any circumstances.

How you opt in: You consent to receive text messages only by affirmatively checking a dedicated SMS-consent checkbox when you submit a form on our website. That checkbox is unchecked by default and is optional — checking it is never required to submit the form, receive a quote or reply, create an account, complete any transaction, or use any Joseph Capital Network service. We record your consent only when the box is checked. Consent to receive text messages is not a condition of any purchase, transaction, or service.

Message frequency: Message frequency varies based on your conversation with our team.

Message and data rates: Message and data rates may apply, depending on your mobile carrier and plan.

Help and opt-out: Reply HELP for assistance at any time, or reply STOP to unsubscribe from text messages. After you reply STOP, we will send one confirmation message and will not send any further texts unless you opt in again.

Data Security

We implement appropriate technical and organizational measures to protect your personal information. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

Your Rights

Depending on your location, you may have the right to:

Access your personal information
Correct inaccurate information
Request deletion of your information
Opt out of marketing communications
Request a portable copy of your data

California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

Right to Know: You can request details about the categories and specific pieces of personal information we have collected about you.
Right to Delete: You can request deletion of your personal information, subject to certain exceptions.
Right to Opt Out of Sale: We do not sell your personal information. For more details, visit our Do Not Sell or Share My Personal Information page.
Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

European Residents (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR), including the right to access, rectify, erase, restrict processing, and data portability. To exercise these rights, contact our Data Protection team at the address below.

Data Retention

We retain your personal information only as long as necessary for the purposes described in this policy:

Active accounts: Data is retained for the duration of our business relationship and for a reasonable period afterward.
Application data: Financing application records are retained as required by financial regulations.
Server logs: Access and activity logs are retained for 365 days and then automatically purged.
Deleted records: Soft-deleted data is permanently purged after 90 days.
Audit logs: Compliance audit trails are retained as required by applicable law.

Cookies

Our website uses cookies and similar tracking technologies to enhance your experience. You can manage your preferences at any time using our panel.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

Data Protection Contact

For privacy-related inquiries, data access requests, or to exercise your rights under CCPA, GDPR, or other privacy regulations, contact our Data Protection team:

Email: privacy@josephcapitalnetwork.com
Phone: (855) 777-1069

We aim to respond to all privacy requests within 30 days.