Privacy Policy

1. INTRODUCTION

JSilva LLC ("The J Silva," "we," "us," or "our") is a direct lender and financial services company headquartered in New York City, New York. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit our website at thejsilva.com or interact with our services.

By using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our website or services.

2. INFORMATION WE COLLECT

We may collect the following categories of personal information:

Contact Information: Name, email address, phone number (if voluntarily provided), mailing address
Business Information: Business name, industry, time in business, monthly revenue, funding needs
Financial Information: Bank statements, tax returns, and other financial documents submitted as part of a funding application
Technical Information: IP address, browser type, device information, pages visited, referring URLs
Communication Records: Emails, SMS messages, phone call records related to your application or account

3. HOW WE USE YOUR INFORMATION

We use your personal information for the following purposes:

To evaluate and process your funding application
To communicate with you about your application, account, or our services
To send you SMS/text messages only if you have provided your prior express written consent
To comply with applicable laws, regulations, and legal processes
To detect and prevent fraud or other illegal activities
To improve our website and services

4. SMS/TEXT MESSAGING POLICY

IMPORTANT — PLEASE READ CAREFULLY:

JSilva LLC may send SMS/text messages to individuals who have provided their prior express written consent by checking the SMS consent checkbox on our contact or application form. By checking that box, you consent to receive SMS/text messages from JSilva LLC regarding your application, account, or our services.

Consent to receive SMS/text messages is not a condition of purchase of any product or service from JSilva LLC. You are not required to consent to receive SMS messages in order to apply for funding, receive funding, or obtain any other product or service from us. Providing your phone number is not a condition of purchase.

Automatic Telephone Dialing System (ATDS): JSilva LLC does not use an Automatic Telephone Dialing System (ATDS) to send SMS/text messages without first obtaining your prior express written consent. We will never use an ATDS to contact you unless you have explicitly opted in by checking the SMS consent checkbox on our form. Any messages sent via an ATDS will only be sent to individuals who have provided prior express written consent.

Message Frequency: Message frequency varies depending on account activity and application status. We estimate you may receive between 1–10 messages per month.

Message & Data Rates: Standard message and data rates may apply depending on your mobile carrier and plan.

Opt-Out: You may opt out of receiving SMS/text messages at any time by replying STOP to any message. After opting out, you will receive one final confirmation message. You will not receive any further SMS messages from JSilva LLC unless you re-consent.

Help: Reply HELP to any message for assistance, or contact us at [email protected].

No ATDS Without Consent: To reiterate, JSilva LLC will not use any Automatic Telephone Dialing System (ATDS) or automated system to send text messages to your phone number without your prior express written consent. We do not use an ATDS for marketing, promotional, or transactional messages unless you have opted in.

5. PHONE NUMBER COLLECTION

Providing your phone number on our website or application form is entirely optional. Your phone number is not required to submit a funding application, receive a funding decision, or obtain any product or service from JSilva LLC. Providing your phone number is not a condition of purchase of any product or service.

If you choose to provide your phone number, it will only be used to contact you regarding your application or account — and only via SMS if you have separately provided express written consent.

6. DATA SHARING AND DISCLOSURE

We do not sell your personal information to third parties. We may share your information in the following limited circumstances:

Service Providers: We may share information with trusted third-party service providers who assist us in operating our business (e.g., payment processors, CRM systems, SMS platforms). These providers are contractually obligated to protect your data.
Legal Requirements: We may disclose information if required by law, subpoena, court order, or government regulation.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
Fraud Prevention: We may share information to detect, investigate, and prevent fraud or other illegal activities.

7. DATA SECURITY

We implement industry-standard security measures to protect your personal information, including encryption, secure servers, and access controls. However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

8. DATA RETENTION

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we will securely delete or anonymize it.

9. YOUR RIGHTS

Depending on your jurisdiction, you may have the following rights:

The right to access, correct, or delete your personal information
The right to opt out of SMS/text messages at any time by replying STOP
The right to opt out of marketing communications
The right to request information about the data we hold about you

To exercise any of these rights, contact us at [email protected]. For assistance, reply HELP or contact us at [email protected].

10. COOKIES AND TRACKING

Our website may use cookies and similar tracking technologies to improve your experience, analyze traffic, and understand usage patterns. You can control cookie settings through your browser preferences.

11. THIRD-PARTY LINKS

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

12. CHILDREN'S PRIVACY

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will delete it promptly.

13. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.

14. CONTACT US

If you have questions or concerns about this Privacy Policy, please contact us:

JSilva LLC
New York City, NY — Upper East Side
Email: [email protected]
Website: thejsilva.com

JSilva LLC is a direct lender and financial services company. We do not use an Automatic Telephone Dialing System (ATDS) to contact individuals who have not provided prior express written consent. Providing your phone number is not a condition of purchase of any product or service.