Privacy Policy
Townecraft Finance & Credit Solutions LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, apply for financing, or engage with our services.
1. Information We Collect
Personal Information
We collect information that identifies, relates to, or could reasonably be linked with you, including:
- Contact Information: Name, email address, phone number, business address
- Business Information: Business name, industry, revenue, years in operation, tax identification number
- Financial Information: Bank account details, credit history, financial statements, tax returns
- Application Data: Loan amount requested, purpose of financing, supporting documentation
Automatically Collected Information
When you visit our website, we automatically collect certain information, including:
- IP address, browser type, operating system
- Pages viewed, time spent on pages, navigation paths
- Referring website or search terms
2. How We Use Your Information
We use the information we collect to:
- Evaluate and process your loan application
- Verify your identity and conduct credit checks
- Communicate with you about your application, account, or services
- Comply with legal and regulatory requirements
- Improve our website, services, and customer experience
- Send you marketing communications (with your consent)
- Detect and prevent fraud or unauthorized activity
3. SMS & Text Message Communications
If you provide your mobile phone number and expressly consent to receive text messages from us, we may send you recurring marketing and promotional SMS/MMS messages about our financial products, services, offers, and updates using an automated telephone dialing system (ATDS).
Message frequency varies; you may receive up to 4 messages per month. Message and data rates may apply based on your mobile carrier's plan.
Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP to any message. After you send STOP, we will send you a confirmation message and you will no longer receive SMS messages from us unless you re-subscribe.
Help: For assistance, reply HELP to any message or contact us at rafael@townecraftfinancecreditsolutions.com.
Consent is NOT a condition of purchase. You are not required to consent to receive marketing text messages as a condition of purchasing any goods or services from us.
Mobile Information Sharing
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
4. How We Share Your Information
We do not sell your personal information. We may share your information with:
- Service Providers: Third-party vendors who perform services on our behalf (e.g., credit bureaus, payment processors, IT support)
- Legal and Regulatory Authorities: When required by law, court order, or governmental regulation
- Business Transfers: In connection with a merger, acquisition, or sale of assets
- With Your Consent: When you explicitly authorize us to share your information
We require third-party service providers to maintain the confidentiality and security of your information and use it only for the purposes we specify.
5. Data Security
We implement administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:
- Encryption of sensitive data in transit and at rest
- Access controls and authentication procedures
- Regular security audits and vulnerability assessments
- Employee training on data protection and privacy practices
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
Depending on your location, you may have certain rights regarding your personal information, including:
- Access: Request a copy of the personal information we hold about you
- Correction: Request that we correct inaccurate or incomplete information
- Deletion: Request that we delete your personal information (subject to legal and contractual obligations)
- Opt-Out: Unsubscribe from marketing emails or SMS messages at any time
To exercise these rights, contact us at rafael@townecraftfinancecreditsolutions.com. We will respond to your request within a reasonable timeframe.
7. Cookies and Tracking Technologies
Our website may use cookies, web beacons, and similar technologies to enhance your experience, analyze usage, and deliver targeted content. You can manage cookie preferences through your browser settings. Note that disabling cookies may affect website functionality.
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 the privacy policies of any third-party sites you visit.
9. Children's Privacy
Our services are not directed to 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 to reflect changes in our practices, legal requirements, or business operations. We will post the updated policy on our website with a revised "Last Updated" date. We encourage you to review this policy periodically.
11. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Townecraft Finance & Credit Solutions LLC
1 De Boer Drive
Glen Rock, NJ 07452
Email: rafael@townecraftfinancecreditsolutions.com