1. Introduction
Nightlight Funding ("we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit nightlightfunding.com or submit a funding application. By using our website or services, you agree to the practices described in this policy.
2. Information We Collect
We may collect the following categories of information:
- Personal Identifiers: Name, email address, phone number, mailing address
- Business Information: Business name, monthly revenue, funding amount requested, time in business
- Financial Information: Bank statements and revenue records submitted as part of a funding application
- Usage Data: IP address, browser type, pages visited, and time spent on our website
3. How We Use Your Information
- To evaluate and process your business funding application
- To communicate with you about your application status and available funding offers
- To send SMS text messages and emails related to your inquiry (with your consent)
- To improve our website, services, and customer experience
- To comply with applicable laws and regulations
- To protect against fraud and unauthorized activity
4. SMS Text Messaging
By providing your phone number and opting in, you consent to receive SMS text messages from Nightlight Funding. We do not share your SMS opt-in data or phone number with any third party for their marketing purposes.
When you opt in to receive SMS communications from Nightlight Funding, the following terms apply:
- Types of messages: Application status updates, available financing offers, account updates, and general business funding information
- Message frequency: Varies based on your application status and interactions with our team
- Rates: Standard message and data rates may apply depending on your mobile carrier
- Opt out: Reply STOP to any message at any time. You will receive one final confirmation and no further messages will be sent
- Help: Reply HELP or contact info@nightlightfunding.com
- Third-party sharing: We will never sell, rent, or share your mobile number or SMS opt-in with third parties for marketing purposes
5. Sharing of Information
We do not sell or rent your personal information. We may share data in the following limited circumstances:
- Funding partners: To facilitate your application, relevant business and financial information may be shared with our network of funding providers
- Service providers: Trusted vendors who assist in operating our website and business, under confidentiality obligations
- Legal compliance: When required by law, regulation, or valid legal process
We do not share your SMS opt-in information or mobile phone number with any third party for marketing purposes.
6. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of transmission over the internet is 100% secure.
7. Cookies and Tracking
Our website may use cookies to improve your browsing experience and analyze traffic. You can control cookie settings through your browser. Disabling cookies may affect some website functionality.
8. Your Rights
- Request access to the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your personal information, subject to certain exceptions
- Opt out of SMS at any time by replying STOP
- Opt out of marketing emails by clicking the unsubscribe link
9. Children's Privacy
Our services are not directed to individuals under 18. We do not knowingly collect information from minors.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will update the "Last updated" date when material changes are made. Continued use of our website indicates acceptance of the updated policy.
11. Contact Us
Questions about this Privacy Policy? Contact us:
- Website: nightlightfunding.com
- Email: info@nightlightfunding.com