Privacy Policy
Effective Date: March 31, 2026
Last Updated: March 31, 2026
1. Introduction
PJH Properties, LLC ("we," "us," or "our") 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.
2. Information We Collect
2.1 Personal Information
We may collect personally identifiable information that you voluntarily provide to us when you:
- Submit a contact or loan application form
- Register for an account
- Subscribe to our newsletter or marketing communications
- Interact with our website or services
This information may include:
- Name and contact information (email address, mailing address)
- Business information (business name, tax ID, revenue, industry)
- Financial information (bank account details, credit history, financial statements)
- Phone number (if you opt-in to SMS communications)
2.2 Automatically Collected Information
When you visit our website, we may automatically collect certain information about your device and usage, including:
- IP address and browser type
- Operating system and device information
- Pages visited, time spent on pages, and links clicked
- Referring website or source
3. How We Use Your Information
We use the information we collect to:
- Process and evaluate loan applications
- Provide, maintain, and improve our services
- Communicate with you about your account, loans, or inquiries
- Send marketing and promotional communications (with your consent)
- Comply with legal obligations and enforce our terms
- Detect, prevent, and address fraud or security issues
4. SMS & Text Message Communications
4.1 SMS Opt-In and Consent
If you opt-in to receive SMS/MMS text messages from PJH Properties, LLC, you expressly consent to receive recurring marketing and promotional messages sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.
4.2 Message Frequency and Costs
Message frequency varies; you may receive up to 4 messages per month. Message and data rates may apply based on your mobile carrier's plan.
4.3 Opt-Out Instructions
You can opt out of SMS messages at any time by replying STOP to any message you receive from us. After you send STOP, we will send you a one-time confirmation message and you will no longer receive messages from us.
4.4 Help and Support
For help or questions about SMS messages, reply HELP to any message or contact us at patrick@pjhproperties.com.
4.5 Consent Not Required for Purchase
Consent to receive SMS messages is NOT a condition of purchase or use of our services. You can still apply for and receive financing without opting in to SMS communications.
4.6 Mobile Opt-In Data Privacy
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
5. How We Share Your Information
We do not sell your personal information. We may share your information with:
- Service Providers: Third-party vendors who perform services on our behalf (payment processors, credit bureaus, data analytics)
- Business Partners: Partners who help us provide or improve our services
- Legal Authorities: When required by law, subpoena, or to protect our rights
- Business Transfers: In connection with a merger, acquisition, or sale of assets
Important: We do not share mobile/SMS opt-in data with third parties for marketing purposes.
6. Data Security
We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure.
7. Your Privacy Rights
Depending on your location, you may have certain rights regarding your personal information, including:
- The right to access the personal information we hold about you
- The right to request correction of inaccurate information
- The right to request deletion of your personal information
- The right to opt-out of marketing communications
- The right to opt-out of SMS messages (reply STOP)
To exercise these rights, contact us at patrick@pjhproperties.com.
8. Cookies and Tracking Technologies
We may use cookies, web beacons, and similar tracking technologies to enhance your experience on our website. You can control cookies through your browser settings.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review their privacy policies.
10. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last Updated" date.
12. Contact Us
If you have questions or concerns about this Privacy Policy, please contact us:
PJH Properties, LLC
200 1st Ave
Little Falls, NJ 07424
Email: patrick@pjhproperties.com