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JB Associates, LLC dba Wave Lending Group NMLS # 21751 Privacy Statement

JB Associates, LLC dba Wave Lending Group is committed to protecting your privacy and utilizing technology that provides ease of doing business with us and provides a safe online experience. This Statement of Privacy applies to the JB Associates, LLC dba Wave Lending Group Web site and governs data collection and usage. By using the JB Associates, LLC dba Wave Lending Group website, you consent to the data practices described in this statement.

Information We Collect

JB Associates, LLC dba Wave Lending Group collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. JB Associates, LLC dba Wave Lending Group also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by JB Associates, LLC dba Wave Lending Group. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by JB Associates, LLC dba Wave Lending Group for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the JB Associates, LLC dba Wave Lending Group Web site.

JB Associates, LLC dba Wave Lending Group suggests you review the privacy statements of Web sites you choose to link to from JB Associates, LLC dba Wave Lending Group so that you can understand how those Web sites collect, use and share your information. JB Associates, LLC dba Wave Lending Group is not responsible for the privacy statements or other content on Web sites outside of the JB Associates, LLC dba Wave Lending Group and JB Associates, LLC dba Wave Lending Group family of Web sites.

Use of your Personal Information

JB Associates, LLC dba Wave Lending Group collects and uses your personal information to operate the JB Associates, LLC dba Wave Lending Group Web site and deliver the services you have requested.

JB Associates, LLC dba Wave Lending Group does not sell, rent or lease its customer lists to third parties. JB Associates, LLC dba Wave Lending Group may share data with trusted partners to help us send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to JB Associates, LLC dba Wave Lending Group, and they are required to maintain the confidentiality of your information.

JB Associates, LLC dba Wave Lending Group keeps track of the Web sites and pages our customers visit within JB Associates, LLC dba Wave Lending Group, in order to determine what JB Associates, LLC dba Wave Lending Group services are the most popular. This data is used to deliver customized content and advertising within JB Associates, LLC dba Wave Lending Group to customers whose behavior indicates that they are interested in a particular subject area.

JB Associates, LLC dba Wave Lending Group Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on JB Associates, LLC dba Wave Lending Group or the site; (b) protect and defend the rights or property of JB Associates, LLC dba Wave Lending Group; and, (c) act under exigent circumstances to protect the personal safety of users of JB Associates, LLC dba Wave Lending Group, or the public.

Use of Cookies

The JB Associates, LLC dba Wave Lending Group Web site provider uses “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize JB Associates, LLC dba Wave Lending Group pages, or register with JB Associates, LLC dba Wave Lending Group site or services, a cookie helps JB Associates, LLC dba Wave Lending Group to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same JB Associates, LLC dba Wave Lending Group Web site, the information you previously provided can be retrieved, so you can easily use the JB Associates, LLC dba Wave Lending Group features that you customized.  You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the JB Associates, LLC dba Wave Lending Group services or Web sites you visit.

Security of your Personal Information

JB Associates, LLC dba Wave Lending Group secures your personal information from unauthorized access, use or disclosure. JB Associates, LLC dba Wave Lending Group secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Consent

By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.

Changes to this Statement

JB Associates, LLC dba Wave Lending Group will occasionally update this Statement of Privacy to reflect company and customer feedback. JB Associates, LLC dba Wave Lending Group encourages you to periodically review this Statement to be informed of how JB Associates, LLC dba Wave Lending Group is protecting your information.

Contact Information

JB Associates, LLC dba Wave Lending Group welcomes your comments regarding this Statement of Privacy. If you believe that JB Associates, LLC dba Wave Lending Group has not adhered to this Statement, please contact JB Associates, LLC dba Wave Lending Group at joel@wavelending.com. We will use reasonable efforts to promptly determine and remedy the problem.

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