Privacy Policy

Pro Funding Options ("Pro Funding Options," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, and safeguard your information. We are a direct lender and do not sell or share your personal information with third parties. By using our website, forms, or services, you consent to the practices outlined below.

1. Scope and Overview

This Privacy Policy applies to visitors and users of any Pro Funding Options-owned website, form, or landing page. We are a direct lender providing business funding solutions. We collect personal and financial data solely for the purpose of evaluating and processing your funding application. Your information is kept confidential and is not sold or shared with third parties.

• Business Loans
• Personal Loans
• Debt Relief (Consumer & Business)
• Credit Repair
• Mortgage & Refinance
• Insurance (Health, Life, Auto, etc.)

Pro Funding Options recognizes the eleven (11) broad categories of personal information referenced in the California Consumer Privacy Act (CCPA) that a business may collect about a consumer. In particular, Pro Funding Options has collected the following categories of personal information from consumers within the last twelve (12) months:

Category	Examples	Collected
A. Identifiers	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.	YES
B. Personal information categories listed in the California Customer Records statute	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.	YES
C. Protected classification characteristics	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information.	YES
D. Commercial information	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	YES
E. Biometric information	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information.	NO
F. Internet or other similar network activity	Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.	YES
G. Geolocation data	Physical location or movements.	YES
H. Sensory data	Audio, electronic, visual, thermal, olfactory, or similar information.	NO
I. Professional or employment-related information	Current or past job history or performance evaluations.	YES
J. Non-public education information	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	NO
K. Inferences drawn from other personal information	Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	YES

Personal information does not include publicly available information from government records, de-identified or aggregated consumer information, or information otherwise excluded from the CCPA's scope.

2. Information We Collect

We may collect the following categories of information:

• Personal Identifiers: Full name, email, phone number, address
• Financial Information: Business revenue, SSN, EIN, credit score range, loan purpose, bank account information
• Demographic Data: Age, state of residence, business type
• Device & Usage Info: IP address, browser type, time zone, cookies, session tracking
• Consent Metadata: Timestamp, form ID, browser ID, consent version text

3. How We Use Your Information

We use the data you provide to:

• Evaluate and underwrite your request for funding from Pro Funding Options
• Verify identity and eligibility for our funding programs
• Facilitate contact from Pro Funding Options team members and authorized agents
• Send follow-up emails, texts, and calls (if you consented)
• Retarget you through ads on Meta, Google, and other platforms
• Improve our services and prevent fraud
• Analyze usage patterns and optimize user experience

4. How We Share Your Information

By submitting your information, you consent to us sharing it with carefully selected vendors who help us operate, protect, and service our funding programs, including:

• Operational service providers (e.g., CRM platforms, cloud hosting, analytics, document storage, suppression tools)
• Communication tools and agencies that contact you on our behalf (email, SMS, call centers)
• Professional advisors, auditors, or government authorities when required by law or to protect our rights

We do not sell, lease, or disclose your information to outside lenders, brokers, or lead marketplaces. Any sharing is done solely to deliver the service you requested or to comply with legal obligations.

The table below describes how we have disclosed this information in the past 12 months:

Categories of personal information	Categories of third parties to whom this information was disclosed	Categories of third parties to whom this information was sold/shared
Identifiers	Hosting and IT services providers, data analytics providers, customer care service providers, and communication vendors	We do not sell or share.
Sensitive Personal Information (e.g., bank account information and social security number)	Hosting and IT services providers, payment processors, and identity verification vendors	We do not sell or share.
Internet or other electronic network activity information	Data analytics providers, hosting and IT services providers, and customer care service providers	We do not sell or share.
Geolocation information	Data analytics providers, hosting and IT services providers, and customer care service providers	We do not sell or share.
Inferences regarding preferences or other characteristics	Data analytics providers, hosting and IT services providers	We do not sell or share.
Audio, Visual or Similar Information	Hosting and IT services providers, data analytics providers, service providers who assist with fraud or loss prevention, and customer care service providers	We do not sell or share.

We have disclosed Personal Information for the following commercial/business purposes in the preceding 12 months:

• To provide the services you have registered for on our website.
• To provide you with information, products, or services that you request from us, or resolve consumer concerns, or request to opt-out of marketing.
• To provide you with notices concerning our products, services, events, or news, that may be of interest to you.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
• To improve our website, products, and services, and present its contents to you including testing, research, analysis, and product/service development.
• To maintain the safety, security, and integrity of our website, platforms, as well as products and services, databases, and other technology assets, and business.
• To respond to government or law enforcement requests and as required by applicable law, court order, or governmental regulations.
• To evaluate or conduct a merger, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our business or assets.
• As described to you when collecting your Personal Information or as otherwise permitted under applicable law.

We have not sold or shared Personal Information in the preceding 12 months. We may use the data we collect to personalize your experience on our own properties and communications, but we do not transfer your Personal Information to third parties for their independent marketing purposes. We do not knowingly share or sell the Personal Information of anyone under the age of 16. We use Sensitive Personal Information (i.e., Social Security numbers) only for purposes expressly permitted under California law.

5. Your Consent to Communications (TCPA & CAN-SPAM)

Message/data rates may apply. Consent is not a condition of service. You can opt out at any time by clicking unsubscribe in emails or replying STOP to texts.

6. Your Rights and Choices (CCPA/CPRA & State Laws)

If you are a California resident or resident of another state with similar privacy laws, you have the following rights:

• Access: Request a copy of the data we hold on you
• Deletion: Request deletion of your personal information
• Opt-Out: Opt out of the sale or sharing of your personal information
• Correction: Correct inaccurate information
• Limit Use: Limit the use of sensitive personal data

You can submit a request by emailing privacy@profundingoptions.com or completing our Data Request form. We will verify your identity and respond within 45 days. If we require additional time to process your request, up to a maximum total of ninety (90) days from the date the request is received, we will notify you of this and inform you of the reason for requiring the additional time.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period.

Verifiable Consumer Request Requirements

The verifiable consumer request must:

• Provide sufficient information that allows Pro Funding Options to verify, to a reasonable degree of certainty, that you are the person about whom Pro Funding Options collected personal information (or your authorized representative), which may include multi-factor authentication of identifying information provided by you. Such authentication may be conducted and verified independently or in combination with a comparison of personal information already maintained by Pro Funding Options, if any; and
• Describe your request with sufficient detail that allows Pro Funding Options to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us, but we must also be able to confirm the personal information relates to you. However, we do consider requests made through your password protected account sufficiently verified when the request relates to personal information associated with that specific account.

We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Non-Discrimination

We will not discriminate against you for exercising any of your rights as described above. Unless permitted by the law, Pro Funding Options will not:

• Deny you goods or services
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties
• Provide you a different level or quality of goods or services
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services

7. Use of Cookies and Online Tracking

We use cookies and tracking technologies including Meta Pixel and Google Analytics to:

• Understand how visitors use our sites
• Retarget visitors with relevant ads
• Measure ad performance
• Analyze user behavior and preferences
• Improve website functionality and user experience

You can manage cookie preferences through your browser or device settings or by directly updating through our website cookie banner.

8. Data Retention

We retain personal data:

• For up to 5 years for legal and compliance purposes (e.g., consent logs)
• For up to 24 months for marketing and re-engagement, unless you opt out
• In accordance with retention periods defined by law or contract

9. Data Security

We endeavor to safeguard and protect your information. We have security measures in place, including industry-standard encryption and access controls, to help protect against the loss, misuse, and alteration of personal information under our control. All form submissions are securely stored with encryption. Admin access is password-protected and restricted to key personnel.

10. No Services for Minors

We do not knowingly collect data from individuals under 18. If you believe a minor has submitted information, contact us immediately at privacy@profundingoptions.com.

11. Third-Party Websites

Our site may contain links to third-party sites. We are not responsible for their privacy practices. We encourage you to read the privacy policies of any third-party sites you visit.

12. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be posted on our website with the new effective date. We encourage you to review this Privacy Policy regularly to stay informed about how we are protecting your information.

13. Contact Us