Privacy Policy

Who We Are

JP Jensen Collections, LLC ("we," "us," or "our") is a Maryland-licensed debt collection agency (License #1677752) providing professional judgment recovery and debt collection services. Our website address is: https://jpjensen.com

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Information You Provide Directly

• Contact Form Submissions: When you submit our contact form, we collect your name, email address, phone number, and message content.
• Client Information: If you engage our services as a creditor, we collect information necessary to perform debt collection services, including debtor information, account details, and judgment documentation.
• Payment Information: When making payments through our secure payment portal, your payment card information is processed by our PCI-compliant payment processor (USAePay). We do not store your complete payment card numbers.

Information Collected Automatically

• Website Analytics: We use Google Analytics to collect information about how visitors use our website, including pages visited, time spent on site, and referring websites. This data is anonymized.
• Device Information: We automatically collect information about the device you use to access our website, including IP address, browser type, and operating system.

How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide customer service
• Perform debt collection and judgment recovery services on behalf of our clients
• Process payments and maintain accurate financial records
• Comply with legal obligations, including the Fair Debt Collection Practices Act (FDCPA)
• Improve our website and services
• Send service-related communications
• Maintain the security of our website and services

Information Sharing and Disclosure

We may share your information with:

• Creditor Clients: We share collection status updates and payment information with our creditor clients for accounts placed with us.
• Payment Processors: Our payment processor (USAePay) receives payment information to process transactions securely.
• Email Service Provider: We use Resend to send transactional emails related to contact form submissions.
• Legal Requirements: We may disclose information when required by law, court order, or legal process, or to protect our rights and the rights of others.
• Credit Reporting Agencies: As permitted by law, we may report debt information to credit reporting agencies.

We do not sell your personal information to third parties for marketing purposes.

Data Retention

• Collection Account Records: We retain records related to collection accounts for a minimum of seven (7) years, as required by industry standards and regulatory requirements.
• Contact Form Submissions: Inquiries are retained for up to two (2) years for customer service purposes.
• Payment Records: Payment records are retained as required by IRS regulations and applicable financial recordkeeping requirements.
• Website Analytics: Analytics data is retained in anonymized form according to Google Analytics data retention settings.

Your Rights

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information, subject to our legal retention obligations
• Opt out of marketing communications

FDCPA Rights

If you are a consumer with an account placed for collection, you have rights under the Fair Debt Collection Practices Act (FDCPA), including the right to request validation of the debt and the right to dispute the debt. For more information about your rights, please contact us or visit the Consumer Financial Protection Bureau website.

Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• SSL/TLS encryption for all data transmitted through our website
• PCI DSS compliant payment processing through our secure payment portal
• Secure storage of electronic records
• Access controls limiting who can view personal information

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure.

Cookies

Our website uses cookies and similar technologies for the following purposes:

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: Used by Google Analytics to understand how visitors interact with our website

We do not use advertising or tracking cookies. You can control cookies through your browser settings.

Third-Party Links

Our website may contain links to third-party websites, such as our payment processor. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before providing any personal information.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us: