Privacy Policy

Simple Lending Solutions ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, store, and protect information when you visit our website at simplelendingsolution.com (the "Site"), use our services, submit an application, or otherwise interact with us. By accessing or using our Site, you agree to the terms of this Privacy Policy.

1. Information We Collect

Personal Information You Provide

When you submit a funding application, contact us, or use our services, we may collect the following personal information:

• Full legal name, date of birth, and Social Security Number (SSN)
• Business name, DBA, business address, and EIN/Tax ID
• Contact information including phone number, email address, and mailing address
• Financial information including annual revenue, monthly revenue, accounts receivable balances, inventory values, outstanding loan balances, and credit score range
• Bank account information and bank statements
• Ownership percentage and business structure details
• Funding amount requested, funding type, intended use of funds, and desired timeline
• Any other information you voluntarily provide in forms, emails, or phone conversations

Information Collected Automatically

When you visit our Site, we may automatically collect certain technical information, including:

• IP address, browser type, operating system, and device information
• Pages visited, time spent on each page, referring URLs, and clickstream data
• Geographic location data (city/region level, not precise location)
• Cookies, pixel tags, web beacons, and similar tracking technologies (see Section 7)

Information from Third Parties

We may receive information about you from third-party sources, including credit reporting agencies, identity verification services, fraud prevention services, marketing partners, and publicly available databases. This information may be combined with other information we collect about you.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To process and evaluate your funding application
• To verify your identity and prevent fraud
• To communicate with you about your application, account, or our services
• To provide, maintain, and improve our services
• To send you marketing communications, promotional offers, and newsletters (with your consent where required by law)
• To comply with legal obligations, regulatory requirements, and law enforcement requests
• To enforce our terms of service and protect our rights
• To analyze usage patterns and improve our website and user experience
• To conduct internal research, analytics, and business planning
• To connect you with lending partners and financial institutions that may fund your request

3. How We Share Your Information

We do not sell your personal information to third parties. However, we may share your information in the following circumstances:

• Lending Partners and Financial Institutions: We may share your application data with our network of lenders, banks, and financial institutions to evaluate your funding request and present you with offers. These partners are bound by their own privacy policies and applicable regulations.
• Service Providers: We share information with third-party vendors who help us operate our business, including email delivery services, cloud hosting providers, CRM systems, analytics platforms, payment processors, and customer support tools. These providers are contractually required to protect your data and use it only for the services they perform on our behalf.
• Credit Bureaus and Reporting Agencies: We may share information with credit reporting agencies for identity verification and credit evaluation purposes.
• Legal Compliance: We may disclose your information when required by law, subpoena, court order, or government regulation, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business Transfers: In the event of a merger, acquisition, bankruptcy, or sale of all or a portion of our assets, your information may be transferred to the acquiring entity.
• With Your Consent: We may share your information with other third parties when you have given us explicit consent to do so.

4. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, alteration, and disclosure. These measures include:

• SSL/TLS encryption for all data transmitted between your browser and our servers
• Encryption of sensitive data at rest, including Social Security Numbers
• Access controls limiting employee access to personal data on a need-to-know basis
• Regular security assessments and monitoring
• Secure data storage with reputable cloud service providers

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your data. You are responsible for maintaining the confidentiality of any login credentials or account information.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. Financial records and application data may be retained for a minimum of five (5) years in accordance with applicable federal and state regulations. When your data is no longer needed, we will securely delete or anonymize it.

6. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate or incomplete personal information.
• Deletion: You may request that we delete your personal information, subject to certain exceptions required by law.
• Opt-Out of Marketing: You may opt out of receiving promotional emails by clicking the "unsubscribe" link in any marketing email or by contacting us directly. Please note that opting out of marketing does not affect transactional or service-related communications.
• Do Not Sell: We do not sell personal information. If applicable laws change, we will provide a mechanism for you to opt out.

To exercise any of these rights, please contact us using the information in Section 12 below. We will respond to your request within the timeframe required by applicable law.

7. Cookies, Tracking Technologies, and Advertising

We use cookies and similar technologies to enhance your experience, analyze site usage, and support our marketing efforts. These include:

• Essential Cookies: Required for the Site to function properly (e.g., session management, security features). These cannot be disabled.
• Analytics Cookies: Help us understand how visitors interact with our Site, which pages are most popular, and how users navigate. We may use tools such as Google Analytics, which collects data anonymously and reports website trends without identifying individual visitors.
• Marketing and Advertising Cookies: Used to deliver relevant advertisements and track the effectiveness of our marketing campaigns. These may be set by third-party advertising platforms including Google Ads, Facebook/Meta Pixel, LinkedIn Insight Tag, and other advertising networks.
• Remarketing/Retargeting: We may use remarketing services to show you advertisements on other websites after you visit our Site. Third-party vendors, including Google and Meta, may use cookies to serve ads based on your past visits to our Site.

You can manage your cookie preferences through your browser settings. Most browsers allow you to block or delete cookies. Please note that disabling certain cookies may affect the functionality of our Site. You may also opt out of personalized advertising by visiting the Digital Advertising Alliance at optout.aboutads.info or the Network Advertising Initiative at optout.networkadvertising.org.

8. Third-Party Links and Services

Our Site may contain links to third-party websites, services, or applications that are not operated by us. We are not responsible for the privacy practices, content, or security of these third-party sites. We encourage you to review the privacy policies of any third-party site before providing personal information. The inclusion of a link on our Site does not imply endorsement of the linked website.

9. Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to delete that information as soon as possible. If you believe a child has provided us with personal information, please contact us immediately.

10. State-Specific Privacy Rights

California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA). These include the right to know what personal information we collect and how it is used, the right to delete your personal information, the right to opt out of the sale or sharing of your personal information, and the right to non-discrimination for exercising your privacy rights. We do not sell personal information as defined under the CCPA/CPRA. To submit a request, contact us using the information below.

New York Residents

As a New York-based company, we comply with all applicable New York state privacy and data protection laws. New York residents may have additional rights under the New York SHIELD Act regarding the security of their personal information.

Other States

Residents of Virginia, Colorado, Connecticut, Utah, and other states with comprehensive privacy laws may have additional rights. Please contact us to exercise any applicable rights under your state's privacy law.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make changes, we will update the "Last updated" date at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of our Site after any changes constitutes your acceptance of the updated Privacy Policy.

12. Contact Us

If you have questions about this Privacy Policy, want to exercise your privacy rights, or have concerns about how we handle your information, please contact us:

13. Consent

By using our Site, submitting an application, or providing us with your personal information, you consent to the collection, use, and sharing of your information as described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our Site or submit any personal information.