PRIVACY POLICY

Effective Date: January 1, 2026

FlexFundz LLC (“FlexFundz,” “Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal and business information you provide to us.

This Privacy Policy explains how we collect, use, disclose, retain, and safeguard information when you visit https://flexfundz.com, submit a financing application, communicate with us by phone, email, or SMS/MMS, or otherwise interact with our services.

By using our website or providing information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

We may collect personal, business, financial, and technical information, including but not limited to:

• Name
• Business name
• Phone number
• Email address
• Business address
• Mailing address
• Business ownership information
• Financial information
• Banking information
• Business revenue information
• Funding and financing history
• Information contained in financing applications
• Information provided during underwriting
• Documents submitted in connection with an application
• IP address
• Browser and device information
• Website usage information
• Cookies and similar tracking information
• SMS/MMS communication information and metadata, including delivery status, date, and time

We may collect this information when you submit an application, complete a form on our website, communicate with us, or otherwise voluntarily provide information to FlexFundz.

2. How We Use Information

We may use the information we collect to:

• Process and evaluate financing applications
• Understand your business financing needs
• Determine potential financing eligibility
• Facilitate or arrange financing through appropriate funding providers
• Communicate regarding applications and financing
• Request documents or additional information
• Provide application and underwriting updates
• Provide funding-related communications
• Provide account and customer support
• Send transactional SMS/MMS communications
• Respond to questions and requests
• Maintain and improve our website and services
• Prevent fraud, abuse, or unauthorized activity
• Maintain business and communication records
• Comply with applicable legal, regulatory, and contractual obligations
• Enforce our agreements and protect our rights

3. SMS/MMS Communications

If you voluntarily provide your phone number and opt in to receive SMS/MMS communications, FlexFundz may send transactional and/or promotional text messages, depending on the type of consent you provide.

Transactional messages may include:

• Application status updates
• Requests for documents or additional information
• Underwriting updates
• Scheduling communications
• Funding-related communications
• Payment reminders
• Account servicing and customer support communications

Promotional messages may include:

• Information about financing products or services
• Promotional offers
• Funding opportunities
• Other marketing communications from FlexFundz

Message frequency varies. Message and data rates may apply. Reply STOP to opt out. Text HELP for help.

Consent to receive promotional SMS/MMS messages is not a condition of applying for or receiving financing from FlexFundz.

4. SMS/MMS Information and Privacy

When you opt in to receive SMS/MMS communications, we may collect and retain your mobile telephone number, consent information, opt-in and opt-out records, and message-related metadata such as delivery status, date, and time.

Your mobile phone number and SMS consent information will not be sold, rented, or shared with third parties for their own marketing purposes.

We may share information with service providers that assist us with our business operations and communications, including SMS/MMS service providers, CRM providers, technology providers, and other vendors that process information on our behalf.

5. Information Sharing and Disclosure

We may disclose information we collect to:

• Funding providers, lenders, and other financing partners as appropriate to evaluate or facilitate financing
• Service providers and vendors that assist with our business operations
• CRM and communication platforms
• SMS/MMS and telecommunications service providers
• Technology, hosting, security, and analytics providers
• Professional advisors, including attorneys, accountants, and consultants
• Government agencies, regulators, law enforcement, or other authorities when required by law
• Other parties when necessary to protect our rights, property, safety, or business operations

We do not sell personal information.

We also do not sell, rent, or share mobile phone numbers or SMS consent information with third parties for their independent marketing purposes.

6. Third-Party Service Providers

FlexFundz may use trusted third-party service providers to operate our website, process applications, manage customer communications, maintain records, provide CRM services, deliver SMS/MMS communications, analyze website activity, and perform other business functions.

These providers may have access to personal information only as reasonably necessary to perform services on our behalf and are expected to handle such information in accordance with applicable legal requirements and their contractual obligations.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal and business information from unauthorized access, use, disclosure, alteration, or misuse.

However, no method of electronic transmission or storage is completely secure, and we cannot guarantee that your information will always remain completely secure.

8. Data Retention

We retain personal, business, application, financing, and communication information for as long as reasonably necessary to:

• Provide our services
• Process or maintain financing applications
• Maintain business and customer records
• Comply with legal and regulatory requirements
• Maintain SMS consent and opt-out records
• Resolve disputes
• Enforce agreements
• Protect our legal rights and business interests

When information is no longer reasonably necessary, we may securely delete or dispose of it in accordance with our applicable retention practices and legal obligations.

9. Cookies and Tracking Technologies

Our website may use cookies, pixels, analytics tools, and similar technologies to:

• Operate and maintain the website
• Improve website functionality
• Understand website traffic and usage
• Analyze website performance
• Improve our services and user experience
• Help protect against fraudulent or unauthorized activity

You may be able to control certain cookies through your browser settings. Disabling cookies may affect certain website functionality.

10. Third-Party Websites and Links

Our website may contain links to third-party websites, services, or platforms.

FlexFundz is not responsible for the privacy practices, security, or content of third-party websites. We encourage you to review the privacy policies of any third-party website you visit.

11. Your Privacy Rights

Depending on applicable law and your location, you may have certain rights regarding your personal information, which may include the right to:

• Request access to personal information we maintain about you
• Request correction of inaccurate information
• Request deletion of certain personal information
• Withdraw consent where processing is based on consent
• Opt out of certain communications
• Request information about how your information is collected or used

To exercise applicable privacy rights, please contact us using the information provided below.

We may need to verify your identity before completing certain requests.

12. SMS Opt-Out

You may opt out of FlexFundz SMS/MMS communications at any time by replying STOP to a message from us.

For promotional messages, replying STOP will unsubscribe you from future promotional SMS/MMS messages. You may continue to receive certain necessary transactional communications related to an existing application or account where permitted by applicable law.

You may text HELP for assistance.

Consent to receive promotional messages is separate from consent to receive transactional messages, and opting out of promotional messages does not prevent you from receiving necessary transactional communications related to your application or account.

13. Children’s Privacy

Our website and services are intended for businesses and adults. FlexFundz does not knowingly collect personal information from children under the age of 18.

If you believe that a child has provided personal information to us, please contact us so that we can take appropriate action.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our business practices, services, technology, or legal requirements.

When we make changes, we will update the Effective Date at the top of this Privacy Policy and post the updated policy on our website.

Your continued use of our website or services after an updated Privacy Policy is posted constitutes acknowledgment of the updated policy to the extent permitted by applicable law.

15. Contact Us

If you have questions about this Privacy Policy, our data practices, or your privacy rights, please contact us:

FlexFundz LLC
Livingston, NJ 07039
Website: https://www.flexfundz.com
Email: submissions@flexfundz.com