Privacy Policy

Felton & Associates ("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 feltonandassociates.com or use our financial services.

1. Information We Collect

Personal Information

When you interact with Felton & Associates, we may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address, and company name
• Business Information: Company details, tax identification numbers, business structure, and financial information
• Financial Information: Bank account details, credit history, revenue data, and other financial documents necessary for loan evaluation
• Communications: Records of correspondence, inquiries, and support interactions

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing actions:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on pages
• Referring website addresses
• Geographic location data

2. How We Use Your Information

We use the information we collect for the following purposes:

• Providing Services: To evaluate loan applications, process financing requests, and deliver our direct lending services
• Communication: To respond to inquiries, provide customer support, and send service-related notifications
• Business Operations: To improve our services, analyze trends, and enhance user experience
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Fraud Prevention: To detect, prevent, and address fraud, security issues, and illegal activities

3. SMS and Text Messaging Communications

Consent and Authorization

If you opt in to receive SMS or text messages from Felton & Associates, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from us, including offers, updates, and information about our financial products and services. These messages may be sent using an automated telephone dialing system (ATDS) or other automated technology.

Message Frequency and Charges

Message frequency varies depending on your interaction with our services and promotional campaigns. You may receive up to 4 messages per month. Message and data rates may apply based on your mobile carrier's plan. Please consult your mobile service provider for details on potential charges.

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

Opt-Out and Help

You can opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. If you need assistance, reply HELP or contact us at felton@feltonandassociates.com.

No Purchase Condition

Your consent to receive SMS messages is NOT a condition of purchase or receiving any services from Felton & Associates. You can access our financial services and contact us through other means without opting into SMS communications.

Data Usage for SMS

When you provide your phone number and consent to SMS communications, we may use automated technology, including automated telephone dialing systems (ATDS), to send you text messages. We use your phone number solely for the purposes you've consented to and in accordance with applicable telecommunications regulations.

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 vendors who assist us in operating our business, conducting credit checks, or providing services on our behalf
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets, where your information may be transferred to the acquiring entity
• Protection of Rights: To enforce our terms, protect our rights and property, or ensure the safety of our users

5. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encryption of sensitive data during transmission
• Secure servers and access controls
• Regular security assessments and updates
• Employee training on data protection 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. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial and loan-related information may be retained for extended periods as required by financial regulations and record-keeping requirements.

7. Your Privacy Rights

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

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal and contractual obligations
• Opt-Out: Opt out of marketing communications, including SMS messages
• Data Portability: Request a copy of your personal information in a portable format

To exercise these rights, please contact us at felton@feltonandassociates.com.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand user behavior. You can control cookie preferences through your browser settings, though disabling cookies may limit certain website functionality.

9. 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.

10. 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 without parental consent, we will take steps to delete that information.

11. 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 notify you of significant changes by posting the updated policy on our website with a revised "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Felton & Associates
Email: felton@feltonandassociates.com
Direct Business Lender