JNR Privacy Policy
Contents:
1. Privacy Policy Overview
2. Information We Collect
3. Categories of Personal Information
4. How We Use Your Information
5. How We Collect Your Information
6. How We Share Your Information
7. Hyperlinks (Third-party links)
8. How We Use Cookies
9. Your Choices
10. How Long We Keep Your Information
11. How We Protect Information
12. Your Legal Rights
13. Privacy Notice Changes
This Privacy Policy discloses the privacy practices of JNR Adjustment Company, Inc. (“JNR”, “us,” or “we”). We are committed to keeping personal information collected accurate, confidential, secure and private. Our privacy policy demonstrates our commitment to fulfill those privacy standards.
JNR’s website is located at www.jnrcollects.com (its “website”) is not intended for individuals less than the age of eighteen and JNR does not knowingly collect data relating to individuals less than the age of eighteen.
Nothing in this Privacy Notice is intended to contradict your rights under the Fair Debt Collection Practices Act (“FDCPA”). JNR will not disclose any information to third parties that is otherwise prohibited by the FDCPA. We do not sell and will not sell your personal information.
Questions, comments, and complaints about JNR’s data practices can be submitted to:
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Telephone Number: 866-812-2345 x1606
Mailing Address:
JNR Adjustment Company Inc.
PO Box 948197
Maitland, FL 32794 USA
Nonpublic Personal Information. Nonpublic personal information is defined as any personally identifiable financial information provided by the consumer to obtain a financial product; or resulting from transactions with that product; or information a financial institution obtains about the consumer in connection with that product (e.g., credit bureau information). For example: Social Security number; driver’s license numbers (in some states); place of employment or work telephone number; non-listed home phone; where the consumer banks; details about the particular account. Other examples of nonpublic personal information include: account balances; payment histories; transaction history; or any information that discloses that this individual has a financial relationship with the institution.
Public Personal Information. Public personal information (or information which a financial institution reasonably believes is publicly available) can be disseminated without restriction under the Act and regulations; this type of information includes:
Motor vehicle ownership, drivers’ license information (in some states) and real estate ownership data, which have been, derived from public records; addresses and phone numbers from paper or electronic. Information obtained from any website which can be accessed by anyone without restriction (paying a fee for this information is not a restriction). Presumably, and the regulations do not mention it, information about a debtor that is publicly available in court records (e.g., banks successfully garnished for a debtor; employers successfully garnished for a debtor; existence of a debtor’s Chapter 7 or Chapter 13 filings) are examples of “public personal information” not subject to this regulatory regime.
However, we cannot disclose data about the debt or financial relationship to third parties unless that transaction is a matter of public record (for example, real estate mortgages).
These “public” data can be exchanged with third parties without privacy notices because the data is not “nonpublic personal information.” HOWEVER, as a “debt collector” under the FDCPA, there are other restrictions on disclosure of any data about a debtor and his/her debt that are NOT supplanted or superseded by the privacy regulations. Familiarize yourself with the FDCPA and consult legal counsel before you transfer information about a debtor and his/her debt to a third party.
We may have collected the following categories of personal information from individuals within the last 12 months. Inclusion of a category indicates that we may collect some information in that category. It does not mean that we collect all information listed in that category in all situations.
3. Categories of Personal Information
Examples of Specific Types of Personal Information Collected
|
Categories of Personal Information |
Examples of Specific Types of Personal Information Collected |
Collected |
Purpose |
|
A. Identifiers |
A real name, alias, postal address, email address, telephone numbers, Internet Protocol address, account number, Social Security number, date of birth, or other similar identifiers. |
Yes |
(a) Necessary to provide the services (d) Prevent fraud |
|
B. Personal Information categories |
A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. |
Yes |
(a) Necessary to provide the services (d) Prevent fraud |
|
C. Protected classification characteristics |
Age (40 years or older), veteran or military status |
Yes |
(a) Necessary to provide the services |
|
D. Internet or other electronic network activity information |
Information regarding a consumer’s interaction with an Internet Web site, application, or advertisement. |
Yes |
(a) Necessary to provide the services |
|
E. Professional or employment-related information |
Current or past job history. |
Yes |
(a) Necessary to provide the services |
|
F. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). |
Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. |
Yes |
(a) Necessary to provide the services |
|
G. Sensitive Personal Information |
Government-issued identifying numbers, such as a driver’s license, passport or social security number, financial account details that allow access to an account, such as a credit card number and access code, genetic data, precise geolocation, race or ethnicity, religious or philosophical beliefs, union membership, contents of mail email or text messages, biometric data related to your unique identification, |
Yes |
(a) Necessary to provide the services (c) Process payments (d) ensure security and integrity regarding the use of such personal information (e) verify or maintain the safety and quality of the services (f) Necessary to comply with a legal obligation |
4. How We Use Your Information
We may use your personal information for one or more of the following business purposes:
- To fulfill or meet the reason you provided the information. For example, if you share your personal information to make a payment, we will use that information to process your payment.
- Performing services on behalf of the business or service provider, including maintaining or servicing records, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, or providing similar services on behalf of the business or service provider.
- To provide you with information or services that you request from us.
- To respond to law enforcement requests and as otherwise permitted by applicable law, court order, or governmental regulations.
- To Ensure security and integrity to the extent personal information is reasonably necessary and proportionate to these purposes;
- To verify or maintain the quality or safety of the services or account, or to prevent fraud.
Personal information is collected solely for the purpose of debt recovery in a lawful manner and remains part of our records until we determine the information is no longer needed, or we are required by law to delete such information. Personal information remains part of our records until we determine the information is no longer needed, or we are required by law to delete such information. We will collect the minimum amount of data necessary to perform the services on behalf of the client, business or service provider.
Sensitive personal information is collected only as necessary to perform our services, process payments, maintain or service your account, to ensure security and integrity regarding the use of such personal information, and to verify or maintain the safety and quality of the Services. Sensitive personal information is not collected with the purpose of inferring characteristics about you.
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
We do not sell and will not sell your personal information.
5. How We Collect Your Information
We collect most of this personal information directly from our clients for whom we provide services to, as well as from you by telephone, written correspondence through the mail, email or fax, by viewing public social media/network pages, or other information available online. However, we may also collect information:
- From publicly accessible sources (e.g., property records or court records);
- From your transactions with us;
- From our service providers (e.g., letter vendor, location vendors, payment processing vendors, and/or electronic signature service provider);
- Directly from a third party (e.g., third parties contacted during location activities pursuant to 15 U.S.C. §1692b, such as your friends, neighbors, relatives, and/or employer);
- Consumer reporting agencies (CRAs)
- From a third party with your consent (e.g., your authorized representative and/or attorney); and
- From activity on our website.
6. How We Share Your Information
JNR may share personally identifiable information it collects with its employees who need to know that information provides you service. Except as provided below, JNR does not share or disclose any personally identifiable information to any company or marketing group external to JNR. JNR may share your personal information with third parties to the extent it is reasonably necessary to perform services and manage information on behalf of the client, business or service provider, verify employment, determine location, process payment, fulfill a transaction, provide customer service, or as otherwise authorized by law. Aggregated information may be derived from your personal data but does not directly or indirectly reveal your identity.
Further, JNR may disclose personally identifiable information (I) to another entity with which JNR enters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (ii) to a third party pursuant to a subpoena, court order, or other form of legal process or in response to a request by or on behalf of any local, state, federal, or other government agency, department, or body, whether or not pursuant to a subpoena, court order, or other form of legal process, or in connection with litigation brought against, or on behalf of, JNR, where appropriate, (iii) to a third party if determined by JNR in its sole judgment that such disclosure is appropriate to protect the life, health, or property of JNR or any other person or entity, all in compliance with applicable law, (iv) to third parties as authorized or designated by you, or (v) to conduct any other legitimate business activity not otherwise prohibited by law. The foregoing is not intended to obviate or displace any legal obligations or duties applicable to JNR.
E-mail posted or sent to JNR may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, or because we cannot verify your identity, we may be unable to respond to e-mail requests concerning our services unless you have requested or authorized us to do so.
7. Hyperlinks (Third-party links)
The Website contains hyperlinks that allow you to leave the Website and go to the website of a third-party. JNR has no control over the services and/or websites of third parties that are linked to. The use of these services and/or websites of third parties may be subject to a different privacy statement and/or conditions. This privacy policy of JNR only relates to (personal) data obtained within the framework of the JNR performing services on the account or the Website. JNR does not accept any responsibility or liability for (the operation, content, and/or privacy practices of) services and/or websites of third parties. We suggest you review the privacy policies of any linked websites you visit.
JNR may collect certain computer and browser information through automated technologies such as cookies and web beacons when you visit our website. Cookies are small pieces of (text) information that are sent to your browser when you visit the website to identify the browser or to store information or settings in the browser. They are then stored on the hard disk or in the memory of your equipment. The browser can send this information back on your next visit to the website. The cookies placed via the website cannot damage your equipment or the files stored on it. Web beacons (also known as internet tags, pixel tags, or clear GIFs) link web pages to web servers and their cookies may be used to transmit information collected back to a web server.
JNR offers you certain choices in connection with the personal data it collects from you, including:
Your JNR Profile: You may review, update and correct your contact information, including your telephone number and email address, after logging in to the website, or by calling our office.
Your Payments: You can elect not to utilize the payment portal of JNR's website and not to make payments via credit card or check.
If you have any questions regarding any of these choices, please contact JNR.
Telephone Number: 866-812-2345 x1606
Mailing Address:
JNR Adjustment Company Inc.
PO Box 948197
Maitland, FL 32794 USA
10. How Long We Keep Your Information
JNR will retain your personal data until we determine the information is no longer needed, or as otherwise required by law. JNR thereafter deletes or anonymizes such information in accordance with applicable laws.
11. How We Protect Information
JNR endeavors to and shall take every precaution to maintain adequate physical, procedural and technical security with respect to its offices and information storage facilities to prevent any loss, misuse, unauthorized access, disclosure or modification of the user's personal information under our control. The company also uses Secure Socket Layer (SSL) for authentication and private communications in an effort to build users' trust and confidence in the internet and website use by providing simple and secure access and communication of credit card and personal information.
The confidentiality of any communication or material transmitted to or from JNR via the website or via e-mail cannot be, and is not, guaranteed. You acknowledge that the technical processing and transmission of the website’s content may be transferred unencrypted and involve: (a) transmissions over various networks; and (b) changes to confirm and adapt to technical requirements of connecting networks or devices.
If any questions arise about security, please contact JNR using the information provided above.
- The right to access personal information – You have the right to submit a verifiable request for access to your personal information that we collected about you, subject to certain exceptions. This may include the categories and specific pieces of information collected, the sources of that information and the business or commercial purpose for the collection or disclosure of that information.
- The right to request correction of personal data we hold about you -This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
- The right to request deletion of personal information. You have the right to request that we delete your personal information, however, state and federal law may prohibit us from deleting personal information, which JNR will disclose to you. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law.
- The right to object to processing of your personal data – Where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms, you have the right to object to processing of such data. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
- The right to request restriction of processing of your personal data - This enables you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the data's accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
- The right to request the transfer of your personal data to you or to a third party - We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
- The right to withdraw consent at any time where we are relying on consent to process your personal data – however, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.
- Rights related to automated decision making and profiling - 'Automated Decision Making' refers to credit decisions regarding consumer lending terms or conditions predicated solely on the creditor’s automated processing of personal data. This means credit decisions may be made by a creditor, for example, using software code or an algorithm which does not require human intervention. We do not extend credit or make credit decisions for any person, and we do not use your personal data as part of any such automated decision making or profiling when servicing your account.
- The right to non-discrimination - We will not discriminate against you if you exercise any of these rights.
- The right to an authorized agent – You can designate an authorized agent to make any of these requests by providing your express written authorization. We must be able to verify your identity and the authorization must include the authorized agent’s name, address, telephone number, and email address (for providing the personal information collected or to respond to a request for deletion).
If you wish to exercise any of these rights, please contact JNR by doing one of the following:
Telephone Number: 866-812-2345 x1606
Mailing Address:
JNR Adjustment Company Inc.
PO Box 948197
Maitland, FL 32794 USA
If you choose to contact directly by email/phone/in writing, you will need to provide us with:
- Enough information to identify you [e.g., your full name, address and customer or matter reference number];
- Proof of your identity and address (e.g., a copy of your driving license or passport and a recent utility or credit card bill); and
- Describe your request with sufficient detail that allows us to properly understand, evaluate and respond to it.
We are not obligated to make a data access or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information or is someone authorized to act on such person’s behalf. To prevent anyone other than you, or your authorized agent, from exercising the right to know or the right to delete with respect to your personal information, we follow procedures to verify your, or your agent’s, identity. These procedures seek to confirm that the person making a request is the person about whom we have collected personal information or that person’s authorized agent. The verification procedures involve matching data points that you provide with your request against information about you we already have in our records and that we have determined to be reliable for purposes of verifying your identity. We will use information you provide in your completed request form to verify your identity, and we may request additional information if necessary to complete the verification process. You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
If you would like to appeal of our decision with respect to your exercise of the above rights, an appeal may be sent to the data controller using the same process for submitting initial requests. A response to an appeal may take up to 60 days, at which time JNR shall respond to your request.
JNR may change this Privacy Notice at any time. Notice of any new or revised Privacy Notice, as well as the location of the new or revised statement, will be posted on the website after the change. It is the obligation of users visiting the website before the change to learn of changes to the Privacy Notice since their last visit.
If there are material changes to the privacy statement or in how we will use your personal data, we will notify you by prominently posting a notice of such changes before they take effect or by directly sending you a notification.
Last Updated: [01/03/2023]