1. Overview
JNRS LLC ("we," "us") respects your privacy. This Privacy Policy explains what information we collect through our website, live chat, and forms, and as part of our services; how we use and share it; and the choices you have. We do not sell your personal information.
2. Information we collect
Information you give us
- Consultation and callback forms: name, email, phone number, the service you're interested in, your preferred contact method, your message, and your consent choices.
- Live chat: the messages you type. If you ask the chat to pass a message to Justin, a transcript of the conversation is sent along with your name, email, and phone number.
- As a client: if you sign a Services Agreement, we collect the information needed to provide services, which may include identity details, credit reports, and account information. We collect sensitive documents through a secure method, never through the website chat or forms.
Information collected automatically
- Technical data: like most websites, our hosting provider records basic request data such as IP address, browser type, pages requested, and date and time, for security and reliable operation.
- Browser storage: the chat stores your current conversation in your browser's session storage so it isn't lost when you move between pages. It is cleared when you close the browser tab.
- Fonts: our pages load fonts from Google Fonts, which receives your IP address and browser information when the fonts download.
We do not use advertising cookies or cross-site tracking.
3. Live chat and AI processing
Our chat assistant, "Rosie," is an automated AI system, not a person. To generate replies, the messages you type are sent through our hosting provider's AI service to a third-party AI model provider. Please do not enter Social Security numbers, account numbers, passwords, card numbers, or other sensitive information in the chat. We use chat content only to answer your questions and to follow up when you ask us to.
4. How we use information
- To respond to your questions and schedule your consultation.
- To provide, manage, and improve our services, including preparing disputes you authorize.
- To contact you by phone, text, or email about your request or services, as you've agreed.
- To keep records and meet our legal, regulatory, and contractual obligations.
- To protect the security of our Site and prevent fraud or misuse.
5. How we share information
We share personal information only as needed:
- Service providers that help us run our business, such as website hosting, form handling, AI chat processing, email, and phone or text providers. They may use your information only to provide services to us.
- Credit bureaus, creditors, and furnishers, when you authorize us to submit disputes or requests on your behalf.
- Legal reasons, when required by law, subpoena, or court order, or to protect our rights or the safety of others.
- Business transfers, if our business is sold or reorganized, subject to this policy.
We do not sell or rent personal information, and we do not share it with third parties for their own marketing. Phone numbers and text-messaging consent are never shared with third parties for marketing purposes.
6. Text messages
If you agree to receive text messages, we'll text you about your request or services. Message and data rates may apply, and frequency varies. Reply STOP to opt out at any time, or HELP for help. Opting out of texts won't affect other ways we communicate with you.
7. How we protect information
We use reasonable administrative, technical, and physical safeguards designed to protect your information, including encrypted (HTTPS) connections to our Site. Because we may handle nonpublic personal financial information, we aim to follow the safeguarding principles of the Gramm-Leach-Bliley Act. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
8. How long we keep information
We keep personal information only as long as needed for the purposes described here, including to provide services, resolve disputes, and meet record-keeping requirements under federal and state law. When it's no longer needed, we delete it or make it unidentifiable.
9. Your choices and rights
- You may ask to access, correct, or delete the personal information we hold about you, subject to legal record-keeping requirements.
- You may opt out of texts by replying STOP, and out of calls or emails by contacting us.
- Depending on where you live, such as California, Colorado, Virginia, or other states with privacy laws, you may have additional rights. We will honor requests as required by applicable law and will not discriminate against you for exercising them.
To make a request, contact us using the details below. We may need to verify your identity before responding.
10. Children
Our Site and services are intended for adults 18 and older. We do not knowingly collect information from children under 13. If you believe a child has given us information, please contact us and we will delete it.
11. Changes to this policy
We may update this Privacy Policy from time to time. The "Last updated" date above shows when it last changed. If we make material changes, we'll post the updated policy here.
12. Contact us
JNRS LLC
Attn: Justin Reding
Phoenix, AZ
Phone / text: (623) 268-4379
Email: admin@jnrscreditrepair.store