Corporate Privacy Policy

Corporate Privacy Policy
In this policy, the terms "we", "us", "our", and "ours" refer to JCAP Holdings, LLC ("JCAP") and its affiliates. Sections 4-7 apply to JCAP affiliates designated in Section 4. All other sections of this policy apply to JCAP and all affiliates.

Section 1: Overview

JCAP respects individual privacy and values the confidence of its customers, employees, consumers, business partners, and others. Not only does JCAP strive to collect, use, and disclose Personal Information in a manner consistent with the laws of the countries in which it does business, but it also has a tradition of upholding the highest ethical standards in its business practices. We have therefore adopted a privacy and data protection policy that is applicable to information relating to our employees as well as to information relating to other individuals collected or processed in the general course of our business, including but not limited to Personal Information received from locations within the European Union.

Section 2: Scope

This Policy applies to any Personal Information received by JCAP in any format, including electronic, paper or verbal.

Section 3: Definitions
For purposes of this Policy, the following definitions shall apply:

"EEA" means European Economic Area. Created in 1994, the EEA combines the countries of the European Union (EU) and member countries of EFTA (European Free Trade Association).

"Agent" means any third party that collects or uses Personal Information under the instructions of, and solely for, JCAP or to which JCAP discloses Personal Information for use on JCAP’s behalf.

"Consumer" means any natural person but excludes any individual acting in his or her capacity as an Employee.

"Employee" means any current, former or prospective Employee of JCAP or any of its European affiliates.

"Personal Information" means any information or set of information that identifies or could be used by or on behalf of JCAP to identify an individual. Personal Information does not include information that is encoded or anonymized, or publicly available information that has not been combined with non-public Personal Information.

Section 4: Privacy Shield Affiliates

The following company affiliates adhere to the Privacy Shield Principles and may collect the same types of EU data as JCAP:

JC International Acquisition, LLC

Majestic Capital Holdings, LLC

JCIA Holdings, LLC

FMT Services, LLC

JCIA Servicing Company, LLC

Jefferson Capital Systems, LLC

Section 5: EU-U.S. Privacy Shield Framework

JCAP complies with the EU-US Privacy Shield Framework as set forth by the US Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries. JCAP has certified that it adheres to the Privacy Shield Principles of Notice, Choice, Accountability for Onward Transfer, Security, Data Integrity and Purpose Limitation, Access, and Recourse, Enforcement and Liability. If there is any conflict between the policies in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, and to view our certification page, please visit

Section 6: EU-U.S. Privacy Shield Principles


Prior to JCAP collecting Personal Information directly from individuals in the EEA, it will inform them about the purposes for which it collects and uses Personal Information about them, the types of non–Agent third parties to which JCAP discloses that information, the choices and means, if any, JCAP offers individuals for limiting the use and disclosure of Personal Information about them, and how to contact JCAP. Notice will be provided in clear and conspicuous language when individuals are first asked to provide Personal Information to JCAP, or as soon as practicable thereafter, and in any event before JCAP uses or discloses the information for a purpose other than that for which it was originally collected. Where JCAP receives Personal Information from its subsidiaries, affiliates or other entities in the EEA, it will use and disclose such information in accordance with the notices provided by such entities and the choices made by the individuals to whom such Personal Information relates.


JCAP will offer the opportunity to choose (opt-out) whether their Personal Information is to be used for a purpose other than the purpose for which it was originally collected or subsequently authorized by the individual. JCAP will provide reasonable mechanisms to exercise their choices. Individuals can opt-out by reaching us at the contact information below.


In cases of onward transfer to third parties of data of EU individuals received pursuant to the EU-US Privacy Shield, JCAP is potentially liable. JCAP will obtain assurances from its Agents that they will safeguard Personal Information consistently with this Policy. Examples of appropriate assurances that may be provided by Agents include: a contract obligating the Agent to provide at least the same level of protection as is required by the relevant Privacy Shield Principles, Privacy Shield certification by the Agent, or being subject to another European Commission adequacy finding. Where JCAP has knowledge that an Agent is using or disclosing Personal Information in a manner contrary to this Policy, JCAP will take reasonable steps to prevent or stop the use or disclosure.


Upon request, JCAP will grant reasonable access to Personal Information that it holds. In addition, JCAP will take reasonable steps to permit Consumers and Employees to correct, amend, or delete information that is demonstrated to be inaccurate or incomplete.


JCAP will take reasonable precautions to protect Personal Information in its possession from loss, misuse and unauthorized access, disclosure, alteration and destruction. We restrict access to Personal Information to employees who need to know that information to provide services. We maintain physical, electronic and procedural safeguards that comply with applicable laws to guard Personal Information.


JCAP will use Personal Information only in ways that are compatible with the purposes for which it was collected or subsequently authorized by the individual. JCAP will take reasonable steps to ensure that Personal Information is relevant to its intended use, accurate, complete, and current.


JCAP is subject to the investigatory and enforcement powers of the Federal Trade Commission (FTC). Any Employee that JCAP determines is in violation of this policy may be subject to disciplinary action up to and including termination of employment.


Any questions or concerns regarding the use or disclosure of Personal Information should be directed to ‘Department Privacy’ at the address given below. In compliance with the EU-US Privacy Shield Principles, JCAP commits to resolve complaints about your privacy and our collection or use of your personal information. European Union individuals with inquiries or complaints regarding this privacy policy should first contact JCAP at:

Department Privacy
16 McLeland Road
St. Cloud, MN 56303

JCAP has further committed to refer unresolved privacy complaints under the EU-US Privacy Shield Principles BBB EU PRIVACY SHIELD, a non-profit alternative dispute resolution provider located in the United States and operated by the Council of Better Business Bureaus. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed, please visit for more information and to file a complaint.

Please note that if your complaint is not resolved through these channels, under limited circumstances, a binding arbitration option may be available before a Privacy Shield Panel.

Section 7: Limitation on Application of Privacy Shield Principles

Adherence by JCAP to these Privacy Shield Principles may be limited (a) to the extent required to respond to a legal or ethical obligation; (b) to the extent necessary to meet national security, public interest or law enforcement obligations; and (c) to the extent expressly permitted by an applicable law, rule or regulation.

Section 8: What information do we collect?

Contact Information

Information you may provide to us to enable us to contact you. Examples may include name, email address, mailing address, telephone number, etc. Contact information may identify you personally.

Billing/Address Information

Information you may provide to us, which may include credit card number, bank information, billing address, billing contact name, telephone numbers, email address, etc. Billing information may identify you personally.

Password Information

Information that allows you to access the services we provide, technical support, ticketing system and any third party services provided through us. Examples may include user id, invitation number, account number, access and permission levels, password, etc. Password information does not identify you personally, but it may when associated with other information.

Technical Information

Information that allows us to configure the services we provide so that they are more easily provided to you. Examples may include your IP address, browser type, referring/exit pages, operating system, affiliate id, etc. Technical information does not identify you personally, but it may when associated with other information.

Internet Data

Some information about your IP address, web browser, and computer system are automatically transmitted to our web servers as an integral part of the operation of the Internet. Thus, we reserve the right to automatically collect and/or track: 1) The home server domain names, email addresses, type of computer, and type of web browsers of visitors to our web site and 2) Information on what pages of our web site visitors’ access. Internet data does not identify you personally, but it may when associated with other information.

Voluntary Information

Information you choose to provide to us and that is not necessary for the operation of the services we provide. Examples may include acceptance of an offer extended to you, your endorsements of us and your connections to us in social networks, etc. It is your decision whether you include information that identifies you personally when you provide voluntary information to us.

Section 9: How do we use the information we collect?

We may collect non-public personal information about you as permitted by law from:

Your transactions with us

Applications or other forms that you provide to us

We may disclose non-public personal information about you to third parties, such as business partners, vendors, and credit reporting agencies. We will disclose information about you only to the extent that it is: (a) specifically directed by you; (b) permitted by applicable law and (c) not prohibited by other applicable law.

We use your Personal Information to send you information about our company, process requests for services, and to contact you when necessary. You will be permitted to opt out prior to using your Personal Information for any other purpose. We also may be required to disclose an individual’s Personal Information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements. We may also use the information we collect to improve the content of our website(s).

Section 10: Method to access and ability

An individual who seeks access, or who seeks to correct, amend, or delete inaccurate data, should direct their query via email to If requested to remove data, we will respond within a reasonable timeframe.

Section 11: Online Privacy


We may use cookies to keep track of your interaction and time spent on this site or related websites. We may also use them to recognize return visitors and to track our promotions. We may collect personally identifiable information from visitors in the way of online forms but only where visitors volunteer such information. We may also collect information about how visitors interact with our website. This information may be obtained through the analysis of server logs and through the use of "cookies" placed on user machines. A cookie is a piece of software that a web server can store on a computer system to identify the visitor if they visit the website again. All of the information that we collect through the use of cookies from visitors is not personally identifiable. However, it may be associated with personally identifiable information that visitors provide us through our website(s). We gather this information for internal use only and will never authorize the release of this information with anyone outside of our company. Most browsers are initially configured to accept and process cookies. You can configure your browser to refuse cookies, however, certain online interactions may be negatively affected by such a configuration. Most browsers allow you to configure them to notify you when you receive a cookie and to thereby allow you to decide whether to accept that cookie. We reserve the right to use cookies on our website(s).


We make every effort to follow industry standard security measures to prevent the loss, misuse and alteration of the information under our control. However, no information transmitted on the internet or stored on servers is 100% secure. Fraudulent people exist, software and hardware can malfunction and people make mistakes. As a result, we cannot guarantee that any information covered by this Policy will be absolutely secure.


At this time, we do not respond to "do not track" signals sent from browsers.

Section 12: Contact Us

If you have questions regarding this Policy or about the privacy practices of JCAP, please contact us

Section 13: Changes to this Privacy Policy

We may update this Privacy Policy from time to time. We will post our Privacy Policy on our website(s) and will update the "Effective" date to reflect the date of any changes and at least annually.