Privacy Policy

Last updated: June 26, 2026

1. Information We Collect

When you submit an application through our website, we collect the following personal information:

• Full legal name, date of birth, and contact details (email, phone number)
• State of residence
• Government-issued identification status
• Credit score range
• Bankruptcy and criminal record disclosure

During the onboarding process (after application approval), we may also collect your Social Security Number, proof of address, government-issued photo ID, and credit report for identity verification and LLC registration purposes.

2. How We Use Your Information

Your personal information is used exclusively for:

• Evaluating your application for the Business Representative position
• Identity verification and background check processing
• LLC registration and business bank account setup on your behalf
• Tax reporting (W-9 collection and 1099 issuance)
• Communicating with you about your application status and ongoing participation

3. Information Sharing

We do not sell, rent, or trade your personal information to third parties. We share your information only with:

• State agencies for LLC registration filings
• Banking institutions for business account opening
• Background check service providers
• Tax reporting authorities (IRS) as required by law

4. Data Security

We use industry-standard encryption (TLS/SSL) to protect data transmitted through our website. Personal information is stored on encrypted servers with access restricted to authorized personnel only. We conduct periodic security reviews to maintain data protection standards.

5. Data Retention

Application data for candidates who are not approved is retained for 90 days, then permanently deleted. For active participants, personal information is retained for the duration of participation and for 7 years afterward to comply with IRS record-keeping requirements.

6. 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 data (subject to legal retention requirements)
• Withdraw from the program at any time

7. Cookies and Tracking

Our website uses the Facebook Pixel for advertising measurement purposes. We do not use cookies for tracking across other websites. No personal information is shared with advertising platforms unless you submit an application, at which point a conversion event (without personal details) may be recorded.

8. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. Continued use of our website after changes constitutes acceptance of the revised policy.

10. Contact

For privacy-related questions or requests, contact us at info@joswells.com.