Privacy Policy

Your privacy is important to us. This policy explains how we collect, use, and protect your personal information.

Last updated: February 21, 2026

TJFF.us ("we," "our," or "us") is committed to protecting your privacy. As a 501(c)(3) non-profit organization providing financial counseling and debt management services, we understand the sensitive nature of the information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

By using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

Personal identification information (name, email address, phone number, mailing address)
Financial information necessary to provide our counseling services (income, expenses, debts)
Demographic information (zip code, preferences, interests)
Technical information (IP address, browser type, pages visited) collected automatically

How We Use Your Information

To provide personalized financial counseling and debt management services
To communicate with you about your account and our services
To improve our website and services based on your feedback
To comply with legal obligations and protect against fraud
To send periodic emails regarding your services or other products (with your consent)

How We Protect Your Information

We use SSL encryption to protect sensitive information transmitted online
We maintain physical, electronic, and procedural safeguards
Access to personal information is restricted to employees who need it
We regularly review and update our security practices
We never sell or rent your personal information to third parties

Information Sharing

We may share information with creditors as part of debt management programs (with your authorization)
We may share information with service providers who assist our operations
We may disclose information when required by law or to protect our rights
We do not sell, trade, or transfer your personal information to outside parties for marketing purposes

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined
Financial records are retained as required by law and industry regulations
You may request deletion of your data, subject to legal requirements
Anonymized data may be retained for statistical analysis

Your Rights

Access: You may request a copy of the personal information we hold about you
Correction: You may request that we correct inaccurate or incomplete information
Deletion: You may request deletion of your personal information, subject to legal requirements
Opt-out: You may opt out of marketing communications at any time
Portability: You may request your data in a portable format

Cookies and Tracking

We use cookies and similar tracking technologies to track activity on our website and store certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service.

Types of cookies we use:

Essential cookies: Required for basic website functionality
Analytics cookies: Help us understand how visitors interact with our website
Preference cookies: Remember your settings and preferences

Third-Party Links

Our website may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Children's Privacy

Our services are not intended for anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us.

Changes to This Privacy Policy

We may update our 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 "Last updated" date at the top of this policy.

We encourage you to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Questions About Our Privacy Policy?

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

Email: help@tjff.us | Phone: 1-888-433-6990