Fast Commercial Loans • Cincinnati & Nationwide

Privacy Policy – JT Capital Advisors

Effective Date: October 3, 2025

Websites: https://www.JTCapitalAdvisors.com | https://www.JTOhio.com

Phone: (513) 226-9052

Address: 312 Walnut Street, Suite 1600, Cincinnati, OH 45202

1) Who We Are & What This Covers

JT Capital Advisors is a commercial and business-finance brokerage. This Privacy Policy explains how we collect, use, disclose, and safeguard information via our websites, forms/funnels, phone/SMS, email, and during service delivery.

2) Information We Collect

Contact & Identity Data: name, email, phone, business name, address, and primary contacts.
Application & Financial Data: business/owner profiles, revenue, debts, bank statements, financials, property details, collateral, and other documentation you submit for underwriting. (Sensitive identifiers are handled as required by law and industry standards.)
Communications Data: two-way SMS, call details/voicemail, and email correspondence.
Technical Data: device/browser info, IP address, cookies, and analytics events (pages viewed, referral sources).
Payment & Billing Data (if applicable): invoices, receipts, and transaction confirmations; we do not store full card numbers.

3) How We Collect It

Directly from you via our websites, intake/engagement forms, document-request portals, phone, SMS, or email.
From partners you authorize (e.g., lenders, service providers, title/escrow, appraisers) to evaluate or close financing.
Automatically via cookies and similar technologies when you use our sites.

4) How We Use Information

Brokerage Services: evaluate financing options, prepare lender packages, coordinate third-party reports, and provide status updates.
Two-Way Coordination: respond to questions; request documents; share timelines, conditions, and closing requirements.
Operations & Compliance: fraud prevention, identity validation, underwriting support, and legally required recordkeeping.
Marketing (only if you opt in): occasional offers, updates, and educational content relevant to business finance.
Legal/Compliance: enforce agreements, satisfy legal obligations, and respond to lawful requests.

5) Text Messaging Program

We send text messages for intake, status, document requests, reminders, and updates. If you separately opt in, you may also receive occasional promotional or educational texts.

Consent & Choice: You decide whether to receive transactional and/or marketing texts via separate consent checkboxes. Consent is not a condition of services.
Opt-Out/Help: Reply STOP to unsubscribe at any time. Text HELP to (513) 226-9052 for assistance.
Frequency & Charges: Message frequency may vary. Message & data rates may apply.
Carrier Notice: Wireless carriers are not liable for delayed or undelivered messages.
Age: Program intended for users 18+.

Important privacy note for SMS: We do not share mobile numbers, text-message opt-in status, or consent records with third parties for their own marketing or promotional purposes. Limited disclosure to messaging providers and carriers may occur only to deliver and operate the texting service.

6) Cookies & Analytics

We use essential cookies for security and site functionality and optional analytics cookies to improve performance. You can control cookies in your browser settings; some features may not work if you disable certain cookies.

7) How We Share Information

We do not sell personal information. We may share limited data with:

Lenders & Service Providers (scheduling, messaging/telecom, analytics, CRM, appraisal/title/escrow) under contracts restricting their use to providing services for us or underwriting your request;
Professional Partners you authorize (e.g., legal, tax, or transaction stakeholders) as needed to fulfill your request;
Legal/Compliance recipients when required by law or to protect rights, safety, and security;
Business Transfers in the event of a merger, acquisition, or reorganization, subject to this Policy.

8) Data Retention

We retain information only as long as necessary for the purposes above, to meet legal/regulatory obligations (including recordkeeping), resolve disputes, and enforce agreements. SMS consent records (timestamp, IP, and the exact consent language) are retained to demonstrate compliance.

9) Your Choices & Rights

Text Messages: Reply STOP to opt out; text HELP for help.
Email: Use the unsubscribe link in any marketing email.
Access/Update: Email Terry@JTCapitalAdvisors.com to request access, updates, or corrections.
Cookies/Preferences: Manage cookies in your browser settings.

10) Security

We use administrative, technical, and physical safeguards designed to protect personal information. No method of transmission or storage is 100% secure.

11) Children's Privacy

Our services and messaging are intended for individuals 18 years and older. We do not knowingly collect data from children under 13.

12) International Users

Our services are primarily offered in the United States. If you access from another region, you consent to processing in the U.S., where laws may differ from those in your jurisdiction.

13) Changes to This Policy

We may update this Policy periodically. The "Effective Date" above shows the latest version. Material changes will be posted here; continued use signifies acceptance.

14) Contact Us

Email: Terry@JTCapitalAdvisors.com
Phone/SMS: (513) 226-9052
Address: 312 Walnut Street, Suite 1600, Cincinnati, OH 45202
Websites: JTCapitalAdvisors.com | JTOhio.com