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Privacy Policy

At Flex Consulting, we are committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, store, share, and protect the information you provide to us as we assist franchisees in navigating the SBA loan process. Given the nature of our services, we collect highly sensitive financial and personal data, and we handle this information with the utmost care and confidentiality.

1. What Type of Information Do We Collect?

We collect various types of personal information necessary to facilitate your SBA loan application and provide our consulting services. This includes, but is not limited to:

  • Contact Information: Name, address, email address, phone number.

  • Personal Identifiers: Date of birth, Social Security Number (SSN), driver's license or other government-issued ID details.

  • Financial Information: Bank account details, income statements, tax returns, credit history, credit scores, asset and liability details, business financial statements, and other sensitive financial data required for loan underwriting.

  • Business Information: Business name, structure, industry, financial performance, and other details relevant to your franchise operation.

  • Communication Data: Records of your interactions with us, including emails, phone calls, and chat logs.

  • Technical Data: IP address, browser type, operating system, and website usage data (collected via cookies and tracking tools).

2. How Do We Collect Information?

We collect information through several methods:

  • Directly from You: When you fill out forms on our website, communicate with us via email or phone, or provide documents for your loan application.

  • From Third Parties (with your consent): With your explicit consent, we may obtain information from credit bureaus, financial institutions, franchise systems (e.g., Service Master), and other relevant third-party sources to complete your loan package and assess your eligibility.

  • Automatically: Through website technologies like cookies and analytics tools, which collect data about your browsing behavior on our site.

3. How Do We Store, Use, Share, and Disclose Your Site Visitors' Personal Information?

  • Storage: Your personal and sensitive financial information is stored on secure servers with robust security measures, including encryption, access controls, and regular security audits, designed to protect against unauthorized access, alteration, disclosure, or destruction.

  • Use: We use your personal information primarily to:

    • Provide our SBA consulting services, including preparing and optimizing your loan package.

    • Assess your likelihood of loan approval.

    • Communicate with you regarding your application status and our services.

    • Improve our services and website functionality.

    • Comply with legal and regulatory obligations.

  • Sharing and Disclosure: We will only share or disclose your personal and sensitive financial information with third parties under the following circumstances and always with your explicit consent:

    • Lenders: To submit your loan application to potential lenders within our network for loan decisioning and underwriting.

    • Financial Institutions: As required for financial transactions related to your loan.

    • Service Providers: With trusted third-party service providers who assist us in operating our business (e.g., cloud hosting, analytics, CRM systems), provided they adhere to strict confidentiality agreements.

    • Franchise Systems: To provide pipeline transparency and facilitate communication as agreed upon with your specific franchise system.

    • Legal Requirements: When required by law, court order, or governmental regulation.

4. How Do We Communicate with Your Site Visitors?

  • We communicate with you through various channels:

  • Email: For updates on your loan application, service-related announcements, and important information.

  • Phone: For direct consultation, clarification, and urgent matters related to your loan process.

  • Website Notifications: For general announcements or updates about our services.

  • Marketing Communications: With your consent, we may send you newsletters or promotional materials. You will always have the option to opt-out of these communications.

5. How Do We Use Cookies and Other Tracking Tools?

  • Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand user behavior. These tools help us:

  • Remember your preferences.

  • Improve website performance and functionality.

  • Gather aggregated demographic information.

  • Potentially deliver targeted advertising (if applicable, with your consent).

  • You can control cookie settings through your browser. Please note that disabling cookies may affect the functionality of our website.

6. How Can Your Site Visitors Withdraw Their Consent?

  • You have the right to withdraw your consent for the collection, use, or sharing of your personal information at any time, subject to legal or contractual restrictions. To withdraw your consent, please contact us using the information provided below. Please be aware that withdrawing consent may impact our ability to provide certain services, particularly those dependent on sharing information with lenders to facilitate your loan.

7. Privacy Policy Updates

  • We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the updated policy on our website and, where appropriate, by direct communication. We encourage you to review this policy periodically.

8. Questions and Your Contact Information

  • If you have any questions about this Privacy Policy or our data practices, please do not hesitate to contact us:

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