Privacy Policy

When you submit a Funding Readiness Review or contact form, we collect personal and business information including your name, email address, phone number, business name, industry, state of operation, and financial details such as monthly revenue, annual revenue, funding amount requested, existing debt, and credit score range.

We also collect any documents you voluntarily upload through our platform, including bank statements, tax returns, profit and loss statements, business formation documents, and identification documents.

We may automatically collect certain technical data when you visit our website, including your IP address, browser type, operating system, pages visited, and referring URLs. This data is collected through cookies and similar tracking technologies.

We use the information you provide to assess your business funding readiness, generate a personalized Funding Readiness Score, and identify potential financing options that may suit your goals and qualifications.

With your consent, we may share your application information with third-party lending partners and funding providers within our network for the purpose of evaluating your eligibility for financing products.

We use your contact information to communicate with you about your application, follow up with relevant funding options, and send informational and educational content related to business financing.

We use technical and usage data to improve our website, monitor platform performance, and enhance the user experience.

Fidencia Financial does not sell your personal information to third parties for marketing purposes.

We may share your information with lending partners, funding providers, and other third parties within our network solely for the purpose of evaluating and processing your funding application. These partners are required to handle your information in accordance with applicable privacy laws.

We may share your information with service providers who assist us in operating our platform, including email delivery providers, data storage services, and analytics tools. These providers are contractually prohibited from using your data for any purpose other than providing services to us.

We may disclose your information when required by law, in response to legal process, or to protect the rights, property, or safety of Fidencia Financial, our users, or the public.

Fidencia Financial conducts only soft credit inquiries for internal prequalification purposes when you expressly authorize us to do so. Soft inquiries do not affect your credit score.

When your application is submitted to a third-party lender, that lender may conduct a hard credit inquiry as part of their underwriting process. You will be notified before any submission to a lender.

We handle all credit-related information in accordance with the Fair Credit Reporting Act (FCRA) and applicable state regulations.

We retain your personal and business information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with our legal obligations, resolve disputes, and enforce our agreements.

Application data and uploaded documents are generally retained for a period of up to 7 years to comply with financial recordkeeping requirements.

You may request deletion of your personal data at any time (see Your Privacy Rights below). Certain information may be retained even after a deletion request where required by law or legitimate business interests.

Our website uses cookies and similar technologies to enhance your browsing experience, analyze site traffic, and personalize content. Cookies are small text files stored on your device by your browser.

You can control cookie settings through your browser preferences. Disabling certain cookies may affect the functionality of our website.

We do not use cookies to track your activity across third-party websites for advertising purposes.

Depending on your state of residence, you may have the following rights regarding your personal information:

Right to Know: You may request a copy of the personal information we have collected about you, including the categories of information, the purposes for which it was collected, and any third parties with whom it has been shared.

Right to Deletion: You may request that we delete the personal information we hold about you, subject to certain exceptions required by law or legitimate business necessity.

Right to Correct: You may request that we correct inaccurate personal information we hold about you.

Right to Opt-Out: You may request that we stop sharing your personal information with third-party lending partners. Note that opting out may limit our ability to connect you with funding options.

To exercise any of these rights, please contact us at privacy@fidenciafinancial.com. We will respond to verified requests within 45 days as required by applicable law.

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA).

Fidencia Financial does not sell or share personal information for cross-context behavioral advertising. We do not have actual knowledge of selling or sharing personal information of consumers under 16 years of age.

To submit a verifiable consumer request or to designate an authorized agent to act on your behalf, contact us at privacy@fidenciafinancial.com or (555) 123-4567.

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction.

However, no method of data transmission or storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

If you believe your information has been compromised, please contact us immediately at support@fidenciafinancial.com.

Our platform is intended for use by adults operating business entities. We do not knowingly collect personal information from individuals under the age of 18.

If we become aware that we have inadvertently collected information from a minor, we will promptly delete that information.

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or platform features. When we make material changes, we will update the "Last Updated" date at the top of this page.

We encourage you to review this Privacy Policy periodically. Continued use of our platform after any changes constitutes your acceptance of the updated policy.

For questions, concerns, or privacy rights requests, please contact Fidencia Financial at:

Email: privacy@fidenciafinancial.com

Phone: (555) 123-4567

Mailing Address: Fidencia Financial, [Address], [City, State ZIP]