Term & Conditions

Cancellation Policy

Services are provided on a month-to-month basis and clients may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment.

Privacy Policy

Commitment to Your Privacy
This site is owned and operated by J & T Credit and Financial Services. Your privacy on the Internet is of the utmost importance to us. We understand the importance of making sure that at all times your online experience is safe & satisfying and with J & T Credit and Financial Services it’s our top priority to make sure that happens. Please read to understand our policy terms, and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.

Sharing of Information

J & T Credit and Financial Services does not under any circumstances share, sell, rent, or in any other way provide your information to anyone for any use whatsoever.


J & T Credit and Financial Services operates secure data networks protected by industry standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.


We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. But the only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. J & T Credit and Financial Services uses cookies to track user traffic patterns (as described above). You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site.

Information J & T Credit and Financial Services Gathers & Tracks

J & T Credit and Financial Services gathers two types of information about users:
Information that users provide manually on our web site. This information is gathered on our Consultation Form and includes name, address, email address. This information is not shared or used for any marketing purposes whatsoever. Information J & T Credit and Financial Services  gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help us better understand the demographics of our audience.

Usage Tracking

J & T Credit and Financial Services tracks user traffic patterns. However, we do not correlate this information with data about individual users. J & T Credit and Financial Services does break down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser). J & T Credit and Financial Services sometimes tracks the search terms that users enter in public search engines, which generate a “click-through”, but this tracking is never associated with individual users. We use tracking information to determine the effectiveness of individual search terms.

Your Consent

By using this site, you consent to the collection and use of this information by J & T  Credit and Financial Services. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

Public Safety & Legal Process

We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.