Privacy Policy | SPES Financial LLC

SPES Financial LLC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website spes-financial.com and use our financial services.

1. INFORMATION WE COLLECT

We may collect personal information that you voluntarily provide to us when you:

Complete a funding request or contact form
Communicate with us via email or other channels
Apply for financing products or services
Subscribe to marketing communications

Personal information may include: Name, email address, company name, business details, financial information, and any other information you choose to provide.

2. HOW WE USE YOUR INFORMATION

We use the information we collect to:

Process and evaluate your funding applications
Communicate with you about our services
Provide customer support and respond to inquiries
Send you marketing and promotional materials (with your consent)
Improve our website and services
Comply with legal obligations and enforce our terms
Detect, prevent, and address fraud or security issues

3. SMS/TEXT MESSAGE COMMUNICATIONS

If you provide express written consent, we may send you recurring marketing and promotional SMS/MMS messages about our financial products, services, offers, and updates.

SMS Program Details:

Consent: By opting in, you expressly consent to receive recurring SMS/MMS messages sent using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
Opt-Out: Reply STOP to any message to opt out at any time. You will receive a confirmation message.
Help: Reply HELP for assistance or contact us at spes@spes-financial.com.
Message & Data Rates: Message and data rates may apply based on your mobile carrier plan.
Not Required: Consent to receive SMS messages is NOT a condition of purchase or of receiving our services.

We use an automated telephone dialing system (ATDS) to send text messages. Carriers are not liable for delayed or undelivered messages.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.

4. INFORMATION SHARING AND DISCLOSURE

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

Service Providers: With trusted third-party service providers who assist in operating our business (e.g., payment processors, CRM systems, SMS providers using ATDS technology).
Legal Obligations: When required by law, regulation, legal process, or governmental request.
Business Transfers: In connection with a merger, acquisition, or sale of assets.
With Your Consent: When you have given explicit permission to share your information.

5. DATA SECURITY

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. YOUR RIGHTS AND CHOICES

You have the right to:

Access, update, or delete your personal information
Opt out of marketing communications by following unsubscribe instructions in emails or replying STOP to SMS messages
Object to the processing of your personal information
Request a copy of the information we hold about you

To exercise these rights, contact us at spes@spes-financial.com.

7. COOKIES AND TRACKING TECHNOLOGIES

We may use cookies and similar tracking technologies to enhance your experience on our website. You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain features.

8. THIRD-PARTY LINKS

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies.

9. CHILDREN'S PRIVACY

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

10. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the revised policy.

CONTACT US

If you have questions or concerns about this Privacy Policy, please contact us:

SPES Financial LLC

spes@spes-financial.com