Question 1

INTRODUCTION

Accepted Answer

We are committed to respecting your right to privacy and protecting your information when you visit  Jo-Capial.com and use our services. To do so we need to collect, process, and retain some personal information about you so that we can deliver our products and services in a way that supports your unique needs and interests. We want you to know that we take your privacy and the security of your personal information seriously. We also want to be transparent about the types of personal information we collect about you, how we use your personal information, and with whom we share your personal information and why. This Privacy Policy is intended to provide you with that information and to inform you of the choices you have regarding the use and retention of your personal information.

Question 2

ABOUT THIS POLICY

Accepted Answer

At Jo Capital LLC, we prioritize your privacy and are dedicated to protecting the information you share with us. This document outlines how we handle the Personal Information collected through our website, applications, and services (referred to collectively as "Services"). It does not extend to the content processed on behalf of our API customers, which is covered by separate agreements.

1. Collection of Personal Information

● We gather Personal Information about you in the following ways:
	● Directly from You: When you create an account, use our Services, or communicate with
us, we collect:
	● Account Information: Your name, contact details, account credentials, payment
information, and transaction history.
	● Content: Personal Information in your inputs, uploads, or feedback to our Services.
	● Communication Information: If you contact us, we collect your name, contact details, and
message contents.
	● Social Media Information: Interacting with our social media accounts may result in us
collecting your contact details. The social media platforms may also provide us with
aggregated user interaction data.

Automatically Collected Information: As you navigate and interact with our Services, we collect:

● Technical Information: Browser/device data, IP addresses, usage patterns, and cookies
to enhance your experience and improve our Services.

2. Use of Personal Information

We use your Personal Information to:

● Deliver and improve our Services.
	● Communicate with you about updates and offerings.
	● Conduct research and prevent fraud.
	● Comply with legal obligations and protect our rights.

3. Disclosure of Personal Information

We may share your Personal Information with:

● Service Providers: To support our business operations and service delivery.
	● During Business Transfers: As part of mergers, acquisitions, or other business
transitions.
	● For Legal Reasons: When necessary to comply with laws or protect our interests and
safety.

4. Your Rights

Depending on location, individuals may have certain statutory rights in relation to their Personal Information. For example, you may have the right to:

● Access your Personal Information and information relating to how it is processed.
	● Delete your Personal Information from our records.
	● Rectify or update your Personal Information.
	● Transfer your Personal Information to a third party (right to data portability).
	● Restrict how we process your Personal Information.
	● Withdraw your consent—where we rely on consent as the legal basis for processing at
any time.
	● Object to how we process your Personal Information.

You can exercise these rights by contacting us at Joseph@jo-capital.com.

5. Children’s Privacy

Our Services do not target children under 13. We do not knowingly collect information from children under this age. We will investigate any notification and if appropriate, delete the Personal Information from our systems. If you are 13 or older, but under 18, you must have permission from your parent or guardian to use our Services.

6. Third-Party Websites

Our Service may link to external sites not governed by this Privacy Policy. We recommend
reviewing their privacy policies independently.

7. Security and Retention

We employ measures to protect your Personal Information but cannot guarantee absolute
security. We retain your data as necessary for service provision and compliance with legal
obligations.

8. International Users

Your Personal Information may be processed and stored in the United States and other
jurisdictions, under the legal bases outlined for our international operations.

9. Policy Updates

We may periodically update this Privacy Policy. Changes will be posted on our website, along with the effective date.

10. Contact Us

For any questions or concerns regarding this policy, please reach out to our support team at company email Joseph@jo-capital.com

Consent to Communication

Scope of Consent: By submitting your personal information on our website, including your
name, telephone number, and email address, you agree that Jo Capital LLC, its
subsidiaries, affiliates, and our trusted third-party partners may contact you by various
communication methods, including but not limited to emails, phone calls, text messages, and postal mail. This communication may be aimed at informing you about new products, services, promotions, and offers that you might find valuable.

Automated Calls and Messages: You acknowledge that consent includes receiving autodialed and prerecorded messages or calls delivered via automated technology, to the phone number you provided. We will obtain separate, express consent for telemarketing calls as required by law.

Third-Party Communication: You agree that we may share your personal information with
trusted third parties for them to contact you with relevant offers and services. However, your information will be shared in accordance with our Privacy Policy and applicable laws concerning data protection and privacy.

Voluntary Nature of Consent: Providing your consent is completely voluntary, and you may withdraw your consent at any time. To withdraw your consent, please follow the opt-out instructions provided in our communications or contact our customer service.

Data Protection and Privacy

Use of Information: We use the information you provide to tailor our communication with you, improving your experience with our products and services. We also use your information for internal analytics, market research, and compliance with legal obligations.

Sharing and Disclosure: We do not sell your personal data. We only share your data with
trusted third parties who adhere to our data protection standards or when required by law. Our third-party partners are obligated to protect your information and are prohibited from using your data for purposes other than those specified by Jo Capital LLC.

Data Security: We are committed to keeping your personal data secure. We implement
appropriate technical and organizational measures to protect against unauthorized or unlawful processing and against accidental loss, destruction, or damage.

Rights of Individuals: You have rights regarding your personal data, including the right to
access, correct, delete, or restrict the processing of your data. You also have the right to object
to processing and the right to data portability. To exercise these rights, please contact us.

Question 3

THE TYPES OF PERSONAL INFORMATION WE COLLECT ABOUT YOU AND HOW WE USE IT

Accepted Answer

For this Privacy Policy, personal information is considered to be “any information that can be used to uniquely identify you or that can be reasonably linked, directly or indirectly, with you.” The specific pieces of personal information we collect about you depend on how you use our Website and what services you subscribe to. However, the general categories of personal information we collect about you are described by the following:

Question 4

ACCOUNT DATA

Accepted Answer

Account Data is information that we collect about you when you inquire about or subscribe to our products and services. This type of information typically includes name, email address, phone number, and mailing address, and enables us to contact you for purposes such as discussing your interest in our products and services, and creating an account for you to access our online services. Once your account has been created, additional information about you, such as account and communication preferences, may also be requested to enable you to configure and personalize your account. Whether you provide this additional information is up to you. You can choose what additional information you wish to provide, make changes to existing information, and opt out of future communications at any time by updating your account preferences.

Question 5

USAGE DATA

Accepted Answer

Usage Data is information that we collect about you regarding your use of our Website, and typically includes the following:
Online identifiers such as IP addresses, MAC addresses, and “cookie” data (see “What is a Cookie and How Is It Used?” for more information).Information about the types of devices you are using to access the Website including device type, browser type, operating system, and language settings.Information about the Website pages you visit, including the date, time, and length of your page visits.Information about which online services you use and how you interact with those services.
Usage Data helps us to optimize the design and operation of our Website to best suit your needs and interests. It also helps us to diagnose, troubleshoot, and fix any technical issues involving our Website.

Question 6

WHAT IS A COOKIE AND HOW IS IT USED?

Accepted Answer

A “cookie” is a small text file that is stored on your computer and makes it easy for you to move around a website without having to continually re-enter information such as your username, password, preferences, and so on. We use cookies to store our Website users’ preferences, record user-specific information including what pages they visit or access, customize the web page content based on users’ browser type, and to enhance your overall user experience. We also use cookies for advertising purposes. In such instances, a unique ad-serving cookie will be placed on your computer by us or one of our advertising partners. Other Usage Data may also be collected to inform, optimize, and deliver targeted ads to you.

Question 7

PERSONAL INFORMATION RETENTION AND PROTECTION

Accepted Answer

Protecting the confidentiality of any personal information we have collected about you is of utmost importance to us. We retain your personal information for only as long as necessary to satisfy legitimate and essential business purposes such as maintaining the performance and availability of our Website and Services, complying with legal obligations, and resolving any disputes.
We also implement and maintain appropriate technical and operational controls (including encryption and access control measures) to protect your personal information while it is stored on our systems. With that said, please note that no system or data transmission is ever completely secure. While we make all reasonable efforts to protect the confidentiality of the information we collect about you, we make no guarantees, representations, or warranties concerning the security of your personal information during storage or transmission.

Question 8

REQUESTING DELETION OF YOUR PERSONAL INFORMATION

Accepted Answer

At your request, we will delete (or anonymize) any information we have collected about you over the last 12 months. Please understand, though, that we will not (nor are we legally obligated to) respond to more than two such requests within 12 months. We may also be legally required or allowed to retain your personal information in certain circumstances even when you’ve requested that we delete your information, including:
Where there is an unresolved issue relating to your account such as an outstanding credit, unpaid balance, or unresolved dispute.Where we need to retain your personal information for our legal, tax, audit, and accounting obligations as required by applicable law.Where it is necessary to maintain your personal information for our legitimate business interests such as fraud prevention or to maintain the security of our Website.
To request the deletion of any personal information we have collected about you within the last 12 months, please contact us at the following link:Jo-Capial.com 
Please note that by deleting your personal information, you may lose access to or use of certain portions of our Website or services. Therefore, we strongly suggest that you confirm you no longer wish to use our Website or services before making such requests.

Question 9

NOTICE TO CALIFORNIA RESIDENTS

Accepted Answer

If you are a resident of California, then the collection, processing, and use of your personal information may be subject to the California Consumer Privacy Act (“CCPA”) as well as other applicable California state privacy laws.
As a company that does business in California and collects the personal information of some California residents, we are required to inform you of the consumer rights afforded to you under the CCPA and to enable you to exercise those rights about any personal information that we may have collected about you.

Question 10

YOUR CCPA RIGHTS
THE RIGHT TO KNOW HOW YOUR PERSONAL INFORMATION IS USED

Accepted Answer

As a California resident, the CCPA affords you the right to request information about the collection, use, and disclosure of your personal information over the previous 12 months, including:
the categories and specific pieces of personal information about you that have been collected; the purposes for which your personal information has been collected, used, or sold (where applicable); The categories of third parties with whom your personal information has been disclosed; The categories of personal information about you that have been disclosed for a business purpose; and where applicable: the categories of personal information about you sold to third parties; the categories of third parties to whom your personal information was sold; and the categories of personal information about you for each third party to whom your personal information was sold.

Question 11

THE RIGHT TO REQUEST DELETION OF YOUR PERSONAL INFORMATION

Accepted Answer

You are also afforded the right to request the deletion of any personal information that has been collected about you over the prior 12 months, subject to certain exceptions. Please refer to the “Requesting Deletion of Your Personal Information” section for more information.

Question 12

THE RIGHT TO “OPT OUT” OF THE SALE OF YOUR PERSONAL INFORMATION

Accepted Answer

Under the CCPA, you may also request that your personal information not be sold to any third parties. Businesses that sell the personal information of California residents are required to respect “opt-out” requests for a period of at least 12 months before requesting your authorization to resume selling your personal information.

Question 13

THE RIGHT TO NOT BE PENALIZED FOR EXERCISING YOUR RIGHTS

Accepted Answer

Lastly, businesses required to comply with the CCPA are prohibited from charging you a fee, requiring you to pay higher prices or rates for services, providing you a lower level of service, or terminating your services altogether for exercising your rights under the CCPA; understanding, however, that some personal information may need to be retained to continue to deliver those services to you.

Question 14

HOW TO EXERCISE MY CCPA RIGHTS

Accepted Answer

To request details regarding any information about you that we may have collected over the last 12 months, and/or to request the deletion of any such information, please contact us directly using the information and methods provided in the “How to Contact Us” section of this Privacy Policy. Please note that the CCPA does not obligate us to provide the requested information to the same consumer more than twice in 12 months.

Question 15

OPTING OUT OF THE SALE OF YOUR PERSONAL INFORMATION

Accepted Answer

We have undertaken extensive steps to identify whether any of our data-sharing arrangements would constitute the “sale” of personal information under the CCPA. We continue to maintain that we do not sell, trade, rent, or otherwise disclose personal information to a third party for “monetary or other valuable consideration” and, therefore, are not required to provide you the ability to “opt-out” of the sale of your information since we do not engage in such activities.

Question 16

NOTICE TO CANADIAN RESIDENTS

Accepted Answer

Under Canada’s Personal Information Protection and Electronic Documents Act (“PIPEDA”), businesses that collect the personal information of Canadian residents are required to adhere to a series of privacy principles concerning their handling of such information, including the principles of accountability; purpose; consent; limited collection; limited use, disclosure and retention; accuracy; safeguards; openness; access; and compliance.
This Privacy Policy explains our support for the principles of accountability; purpose; consent; limited use, disclosure, and retention; safeguards; openness; and access. The principles of limited collection, accuracy, and compliance are addressed below:

Question 17

LIMITED COLLECTION

Accepted Answer

We limit the information that we collect about you to that which is necessary to support our business and to deliver our products and services to you by this Privacy Policy.

Question 18

CORRECTIONS

Accepted Answer

You can make corrections to any personal information that we have collected about you by updating your account settings and preferences. If you require assistance in making these corrections, please contact us directly using the information and methods provided in the “How to Contact Us” section of this Privacy Policy.

Question 19

COMPLAINTS AND ACCESS REQUESTS

Accepted Answer

If you are a Canadian resident and wish to request more information about our privacy practices, to request details regarding the personal information about you that we have collected, or to file a complaint, please refer to the “How to Contact Us” section of this Privacy Policy for more information.

Question 20

TRANSMISSIONS OF PERSONAL INFORMATION ACROSS INTERNATIONAL BORDERS

Accepted Answer

The personal information of Canadian residents may be transmitted to the facilities of third-party service providers in the United States for processing and storage for the purposes described in this Privacy Policy. All parties involved will abide by the terms of this Privacy Policy. Our service providers are subject to certain safeguards, including the execution of a Non-Disclosure Agreement and the requirement that any personal information provided to them be destroyed upon completion of the service or returned to us. Personal information processed in the United States may be lawfully accessed by U.S. courts, law enforcement, and national security agencies as described in the “Sharing of Personal Information We Collect” section of this Privacy Policy.

Question 21

USE OF OUR WEBSITE BY CHILDREN

Accepted Answer

Our Website is not intended for use by children under 13 years of age. We would never knowingly collect personal information from or about children under the age of 13. If you are under 13 years of age, please do not use our Website or provide any of your personal information to us.
If you are a parent of a child under the age of 13 and become aware that your child may have provided their personal information to us, please contact us using the information and methods provided in the “How to Contact Us” section of this Privacy Policy

Question 22

UPDATES TO THIS PRIVACY POLICY

Accepted Answer

Occasionally, we may update this Privacy Policy and reserve the right to make these amendments or modifications at any time by posting the revised Privacy Policy on the Website. When such changes are posted, it is important that you review those carefully so that you thoroughly understand the impact such changes have on the collection, storage, use, and sharing of your personal information. If you have any further questions regarding this Privacy Policy, you are encouraged to contact us directly using the information and methods provided in the “How to Contact Us” section of this Privacy Policy.

Question 23

HOW TO CONTACT US

Accepted Answer

For questions regarding our Privacy Policy or to make requests regarding any personal information about you we may collect, please email us at info@jo-capital.com or call us at (201) 852-1687.