Privacy Policy

 This Privacy Policy is effective as of April 21, 2025, and applies to all services offered by J.A.R and Sons Multiservices, LLC. Version 1.0

Important Notice: J.A.R and Sons is a document preparation and education service, not a law firm, collection agency, or licensed financial advisor. This Privacy Policy explains how we collect, use, and protect your personal information in connection with our services. Please read it carefully. By using our website or services, you agree to the practices described in this policy.

 Section 01

J.A.R and Sons Multiservices, LLC ("JAR and Sons," "we," "our," or "us") is a document preparation and financial education company incorporated in the State of Texas. We operate primarily as a virtual office and serve clients throughout Texas, Washington State, and nationwide. In-person services are available when necessary.

Our services include credit education, home loan education, financial education, document drafting and preparation, dispute letter assistance, debt recovery assistance, Chapter 7 bankruptcy petition preparation for pro se filers, court document and general filing assistance, and consulting and coaching.

This Privacy Policy applies to:

• Our website at jarandsons.com and any related subdomains
• Our internal tools portal
• Our online referral form and intake forms
• All services provided virtually, by phone, or in person
• All communications between you and JAR and Sons

Section 02

We collect information you provide directly to us, information collected automatically when you visit our website, and information provided by referring partners on your behalf. We do not sell your personal information to third parties.

• Identity Information: Full name, date of birth
• Contact Information: Phone number, email address, mailing address, state of residence
• Financial Information: Credit scores (all three bureaus), income information, employment status, debt balances, asset information — collected only as necessary to provide the specific service you requested
• Case-Specific Information: Information you share in connection with court filing assistance, bankruptcy petition preparation, debt recovery, or dispute letter preparation — including descriptions of events, dates, creditor information, and documentation you submit
• Payment Information: Billing details processed through our secure payment processor. We do not store full credit card numbers on our systems
• Communications: Messages, emails, notes, and records of phone or video consultations

If you were referred to us by a loan officer, real estate agent, financial advisor, or other professional partner, they may have provided us with your name, contact information, and a brief description of your service needs. We only accept referral information from partners who have confirmed they have your permission to share it.

• Usage Data: Pages visited, time spent on pages, links clicked, browser type, device type
• IP Address: Collected automatically by web servers for security and analytics purposes
• Cookies: See Section 10 for full details on our cookie use

In the course of providing certain services — particularly credit analysis, court filing assistance, and bankruptcy petition preparation — we may collect information that may be considered sensitive, including financial account details, descriptions of legal or domestic situations, and information about your personal circumstances. We handle all such information with strict confidentiality and use it only for the specific service you have requested.

Section 03

We use the information we collect solely for the following purposes:

• To Provide Our Services: Processing your intake, preparing documents, conducting consultations, delivering education materials, and completing any service you have engaged us for
• To Communicate With You: Responding to inquiries, scheduling appointments, sending service updates, and following up on the status of your case or document preparation
• To Communicate With Your Referring Partner: If you were referred by a professional partner and have consented, we may provide them with status updates on your engagement with our services
• For Internal Record-Keeping: Maintaining accurate records of client engagements, services rendered, and document preparation history
• To Improve Our Services: Analyzing how clients use our services and website in order to improve the quality and accessibility of what we offer (using aggregated, non-identifiable data)
• For Legal Compliance: Complying with applicable laws, regulations, and legal obligations in Texas, Washington State, and other jurisdictions where we operate
• For Security: Detecting, preventing, and responding to fraud, unauthorized access, and other security concerns

We will never: Sell your personal information · Use your information for targeted advertising · Share your information with third parties for their own marketing purposes · Use sensitive information provided for a specific service for any other purpose without your explicit consent

Section 04

We do not sell, rent, or trade your personal information. We share your information only in the following limited circumstances:

We may share your information with trusted third-party vendors who assist us in operating our business — such as email providers, scheduling tools, payment processors, and cloud storage services. These vendors are contractually required to protect your information and may only use it to provide services to us, not for their own purposes.

If you were referred by a professional partner (loan officer, real estate agent, etc.) and have consented to updates being shared, we may provide that partner with general status information about your engagement — for example, confirming that we have made contact or that services are underway. We do not share the substance of your confidential communications or case details without your explicit written consent.

We may disclose your information if required to do so by law, court order, subpoena, or other legal process, or if we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or comply with a governmental request.

In the event of a merger, acquisition, or sale of all or a portion of our business assets, your information may be transferred as part of that transaction. We will notify you of any such change via email or prominent notice on our website.

We may share your information with any other third party when you have given us your explicit consent to do so.

Section 05

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to provide ongoing services, to comply with our legal obligations, and to resolve any disputes.

• Active Client Records: Retained for the duration of our service engagement plus a reasonable period thereafter (generally 3–5 years) to support any follow-up needs
• Financial and Document Records: Retained for a minimum of 5 years in compliance with applicable recordkeeping requirements
• Communications: Retained for up to 3 years from the date of the last interaction
• Website Usage Data: Retained for up to 12 months in aggregated or anonymized form

When your information is no longer needed, we securely delete or anonymize it. You may request earlier deletion of your data — see your rights in Sections 7, 8, and 9.

Section 06

We take the security of your personal information seriously and implement reasonable administrative, technical, and physical safeguards to protect it from unauthorized access, use, disclosure, alteration, or destruction.

• Secure digital document delivery for all completed client documents
• Encrypted communications where available
• Password-protected systems and limited staff access to client information
• Secure payment processing through industry-standard providers — we do not store full payment card details
• Regular review of our data collection, storage, and processing practices

While we implement strong security measures, please understand that no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we are committed to protecting your information to the best of our ability.

In the event of a data breach that affects your personal information, we will notify you in accordance with applicable state and federal law, including Texas and Washington State breach notification requirements.

Section 07

Texas TDPSA Effective July 1, 2024

JAR and Sons Multiservices LLC is incorporated in the State of Texas and is committed to complying with the Texas Data Privacy and Security Act (TDPSA), which took effect July 1, 2024, and Chapter 541 of the Texas Business and Commerce Code. As a Texas resident, you have the following rights regarding your personal data:

• Right to Know: You have the right to confirm whether we are processing your personal data and to access a copy of that data in a portable and readable format
• Right to Correct: You have the right to request that we correct inaccuracies in your personal data
• Right to Delete: You have the right to request deletion of personal data you have provided to us, subject to certain exceptions required by law
• Right to Data Portability: You have the right to obtain a copy of your personal data in a format that allows you to transfer it to another service provider, where technically feasible
• Right to Opt Out of Sale: We do not sell your personal data. However, should that ever change, you would have the right to opt out
• Right to Opt Out of Targeted Advertising: We do not engage in targeted advertising using your personal data
• Right to Appeal: If we decline to take action on a request you submit, you have the right to appeal that decision

To submit a request to exercise any of the above rights, please contact us using the information in Section 14. We will respond to verified requests within 45 days, with a possible extension of an additional 45 days if necessary. We will not discriminate against you for exercising your privacy rights.

Enforcement: The Texas Attorney General has exclusive enforcement authority over the TDPSA. There is no private right of action for Texas consumers under this law. Complaints may be filed with the Texas Attorney General's Consumer Protection Division.

Section 08

WA Consumer Privacy ActWA My Health My Data Act

Washington State residents have additional privacy rights under the Washington My Health My Data Act (MHMDA) and Washington's general consumer privacy protections. We are committed to honoring these rights for all clients located in or served in Washington State.

The MHMDA protects personal health data that falls outside the scope of HIPAA. JAR and Sons does not collect health data as part of our document preparation or education services. However, if any health-related information is incidentally shared during your consultation — for example, if you mention a medical debt as the cause of your credit challenges — we treat that information with the highest level of confidentiality.

• We do not collect, sell, or share consumer health data for any commercial purpose
• Any health-related information shared with us is used solely to provide the service you requested
• We do not use geofencing or location-based tracking near healthcare facilities

• Right to Access: Request a copy of the personal data we hold about you
• Right to Correction: Request correction of inaccurate data
• Right to Deletion: Request deletion of your personal data
• Right to Data Portability: Receive your data in a portable format
• Right to Opt Out: Opt out of any sale of personal data or use for targeted advertising (we do not engage in either)
• Private Right of Action: Unlike Texas, Washington residents may have a private right of action for certain violations under the Washington Consumer Protection Act

Washington residents may submit requests using the contact information in Section 14. We will respond within 45 days, with a possible extension of 45 additional days if necessary. We will acknowledge receipt of your request within 10 business days.

Section 09

JAR and Sons Multiservices LLC serves clients across the United States. While we are incorporated in Texas and have primary operations in Texas and Washington, we respect the privacy rights of clients in all states where we operate.

Many states have enacted or are in the process of enacting consumer privacy laws that provide rights similar to those described in Sections 7 and 8. Regardless of your state of residence, we commit to the following baseline practices for all clients nationwide:

• We will not sell your personal information to third parties — ever
• We will not use your information for targeted advertising
• We will respond to reasonable requests to access, correct, or delete your personal information
• We will notify you in the event of a data breach that materially affects your personal information
• We will use your information only for the purposes described in this policy and only to the extent necessary to provide the services you have requested

If your state has specific privacy rights not addressed in this policy, please contact us and we will work with you to honor those rights to the extent applicable. We recommend consulting a licensed attorney in your state for specific legal guidance on your privacy rights.

Section 10

Our website may use cookies, small text files stored on your device, to improve your browsing experience, remember your preferences, and understand how visitors use our site.

• Essential Cookies: Necessary for the website to function properly. These cannot be disabled
• Analytics Cookies: Help us understand how visitors interact with our site so we can improve the experience (e.g., Google Analytics). These collect anonymized, aggregated data
• Preference Cookies: Remember your settings and preferences for a better experience on return visits

You may control or disable non-essential cookies through your browser settings at any time. Please note that disabling certain cookies may affect the functionality of our website. Most browsers allow you to refuse cookies, delete existing cookies, or be notified before a cookie is stored.

We do not use cookies for targeted advertising, tracking across third-party websites, or selling your data to advertisers.

Texas residents also have the right to opt out of any processing of personal data through universal opt-out mechanisms such as the Global Privacy Control (GPC) browser signal. We will honor GPC signals to the extent required under applicable law.

Section 11

Our website may contain links to third-party websites, resources, or tools, such as court websites, legal aid organizations, credit monitoring services, or government portals. These links are provided for your convenience and information only.

JAR and Sons Multiservices LLC is not responsible for the privacy practices, content, or security of any third-party websites. We encourage you to review the privacy policies of any third-party site you visit. Our Privacy Policy applies only to information collected by JAR and Sons Multiservices LLC.

Section 12

Our services are intended for adults aged 18 and older. We do not knowingly collect personal information from children under the age of 13. If you are a parent or guardian and believe your child has provided us with personal information without your consent, please contact us immediately at the information provided in Section 14.

If we become aware that we have inadvertently collected personal information from a child under 13, we will take prompt steps to delete that information from our records.

In cases where our services may assist families, such as court filing assistance involving children, any information about minors is collected solely at the direction of the parent or legal guardian and is used only for the specific service requested.

Section 13

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or the services we offer. When we make material changes, we will:

• Update the "Last Updated" date at the top of this policy
• Post the updated policy on our website
• Where required by applicable law, notify active clients by email or prominent notice on our website

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes take effect constitutes your acceptance of the revised policy.

If you disagree with the changes, you may discontinue use of our services and request deletion of your personal information as described in Sections 7, 8, and 9.

Section 14

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have a concern about how your information has been handled, please contact us through any of the following methods. We will respond to all privacy-related inquiries within 10 business days of receipt.

✉Email: info@jarandsons.com 

◈Incorporated in: Texas, United States

◷Hours: Monday – Saturday, 9:00 AM – 6:00 PM CT

◈Website: jarandsons.com

When submitting a privacy request, please include your full name, contact information, the specific right you wish to exercise, and any information that will help us verify your identity and locate your records. We may need to verify your identity before processing your request to protect your information from unauthorized access.

Texas Residents: If you are unsatisfied with our response to a privacy request, you may file a complaint with the Texas Attorney General's Consumer Protection Division at texasattorneygeneral.gov.

Washington Residents: If you are unsatisfied with our response, you may file a complaint with the Washington State Attorney General's Office at atg.wa.gov.

Document Preparation Disclaimer: JAR and Sons Multiservices LLC is a document preparation and education service. We are not attorneys, a law firm, or a collection agency. We do not provide legal advice or legal representation. All information shared with us in connection with document preparation services is kept strictly confidential and is used solely to prepare documents at your direction. We strongly encourage you to consult a licensed attorney for any matter requiring legal counsel.