1. Who We Are
TJA Consulting, Inc. (“TJA,” “we,” “us,” or “our”) is a commercial finance consulting firm serving small business owners and real estate investors. This Privacy Policy describes how we collect, use, and protect information when you visit tjacommercial.com or apply.tjacommercial.com, submit a form, request a callback, or otherwise communicate with us, including by SMS text message.
TJA Consulting, Inc.
52 Village Lane, Freehold, NJ 07724
Phone: (732) 682-8268
Email: tom@tjacommercial.com
2. Information We Collect
- Contact information you provide through our forms or by phone: name, mobile phone number, email address, and business name.
- Inquiry details you choose to share about your financing request, such as the property, deal type, timeline, and goals.
- Financial information you voluntarily provide during a consultation or application, such as income, asset, property, and business information needed to evaluate financing options.
- SMS consent records: whether you checked the SMS consent box, the date and time of consent, and the page or method through which consent was given.
- Technical and usage data collected automatically when you visit our websites, such as IP address, browser type, pages viewed, and referring pages, typically via cookies and analytics tools.
3. How We Use Your Information
- To respond to your inquiry and provide commercial finance consulting services;
- To evaluate financing options and, with your knowledge, present your request to lenders and capital sources;
- To communicate with you about your inquiry by phone, email, and — only if you have opted in — SMS text message;
- To schedule, confirm, and follow up on appointments;
- To maintain records, comply with legal obligations, and protect our legal rights;
- To improve our website and services.
4. SMS / Text Messaging
If you opt in to receive SMS text messages from TJA Consulting, Inc. — by checking the consent box on one of our web forms or by providing express consent verbally or in writing — we may send you text messages related to your inquiry, including callback notifications, appointment confirmations and reminders, document requests, and status updates about your financing request.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
All the above categories of information sharing exclude text messaging originator opt-in data and consent; this information will not be shared with, or sold to, any third parties under any circumstances.
- Consent is optional. Consent to receive SMS messages is not a condition of receiving any service from TJA Consulting, Inc.
- Message frequency varies based on the status and activity of your inquiry.
- Message and data rates may apply depending on your mobile carrier plan.
- Opting out: Reply STOP to any message at any time to stop receiving texts from us. You will receive a single message confirming your opt-out, after which no further messages will be sent unless you opt in again.
- Help: Reply HELP to any message for assistance, or contact us at (732) 682-8268 or tom@tjacommercial.com.
- Consent records: We retain records of your opt-in (and any opt-out) including date, time, and source, as required for messaging compliance.
For complete program terms, see the SMS Messaging Terms section of our Terms of Service.
5. How We Share Information
We do not sell your personal information. We share information only as follows:
- Lenders and capital sources, only in connection with your financing request and with your knowledge, so that your deal can be evaluated and placed;
- Service providers who support our operations — such as our website host, CRM and scheduling platform, and email provider — under obligations to protect your information and use it only to provide services to us;
- Professional advisors (such as attorneys or accountants) where reasonably necessary;
- Legal requirements: where required by law, subpoena, or to protect our rights or the safety of others;
- Business transfers: in connection with a merger, sale, or transfer of all or part of our business, subject to this policy.
For clarity and consistent with Section 4: your mobile phone number and SMS opt-in consent data are excluded from all of the above categories and will not be shared with any third party for any marketing or promotional purpose. Limited sharing with our text messaging platform provider occurs solely to deliver the messages you requested.
6. Cookies & Analytics
Our websites use cookies and similar technologies to operate properly and to understand how the site is used. You can control cookies through your browser settings; disabling cookies may affect some site functionality. We may use standard analytics tools (such as Google Analytics) that collect aggregated, non-identifying usage data.
7. Data Security
We use commercially reasonable administrative, technical, and physical safeguards to protect your information, including encrypted transmission (HTTPS) on our websites and access controls on our systems. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
8. Data Retention
We retain personal information for as long as needed to serve your inquiry, comply with legal and regulatory record-keeping obligations, resolve disputes, and enforce our agreements. SMS consent and opt-out records are retained as required for messaging compliance.
9. Your Choices & Rights
- SMS: opt out at any time by replying STOP (see Section 4).
- Email: unsubscribe using the link in any marketing email, or contact us directly.
- Access, correction, deletion: you may request a copy of, correction to, or deletion of the personal information we hold about you by contacting us at tom@tjacommercial.com or (732) 682-8268. We will respond within a reasonable timeframe and as required by applicable law. Certain records may be retained where the law requires it.
10. Children’s Privacy
Our websites and services are intended for business use by adults and are not directed to anyone under 18. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us information, contact us and we will delete it.
11. Third-Party Links
Our websites may link to third-party sites (for example, LinkedIn). Those sites operate under their own privacy policies, and we are not responsible for their practices.
12. Changes to This Policy
We may update this Privacy Policy from time to time. The “Last updated” date above reflects the most recent revision. Material changes will be posted on this page. Continued use of our websites or services after changes take effect constitutes acceptance of the updated policy.
13. Contact Us
Questions about this Privacy Policy or our data practices:
TJA Consulting, Inc.
52 Village Lane, Freehold, NJ 07724
Phone: (732) 682-8268
Email: tom@tjacommercial.com