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Privacy Policy

Effective Date: August 18, 2025 · Last Updated: August 21, 2025

1) Scope & Who We Are

This Privacy Policy explains how PARADIGM FINANCIAL SERVICES LLC d/b/a ARE YOU FUNDABLE (“Are You Fundable,” “we,” “us,” “our”) collects, uses, shares, and protects information when you interact with our website areyoufundable.org (the “Site”), intake forms, assessments, text messaging, calls, emails, and related services (collectively, the “Services”). By using the Services, you agree to this Policy and our Terms & Conditions.

We work with independent third parties—such as lenders, brokers, processing platforms, data and communications vendors, and servicing providers—as well as our affiliates (together, “Partners”) to help evaluate and pursue funding and related services.

2) Personal Information We Collect

We collect information you provide directly, information from your device/browser, and information from Partners acting on our behalf.

A. You provide it to us (examples):

Identifiers & contact: full name, email, phone, mailing address, date of birth.

Government & sensitive IDs (if applicable): Social Security Number, driver’s license or other government ID.

Financial & application data (if applicable): bank statements, stated income, employment, liabilities, credit card utilization, credit goals, documents you upload.

Business applicant data (if applicable): legal business name, DBA, EIN, ownership structure and percentages, beneficial owner details, industry, revenues, time-in-business, business address/phone.

Communications: messages and content you send us by form, email, SMS/text, or phone; call/SMS metadata.

B. Collected automatically (examples):

Internet/Device: IP address, device type, operating system, browser type/version, pages viewed, session duration, referring/exit pages, and general location (e.g., city/region derived from IP).

Cookies & similar tech: cookies, pixels, local storage, and beacons used for site operations, analytics, and fraud prevention (see Section 6).

C. From Partners / third-party sources (as permitted):

Consumer/business reports: information from consumer reporting agencies and other verification/fraud-prevention sources when you authorize a pre-qualification or application (see Section 4 of the Terms).

Service providers: identity verification, communications delivery, scheduling, payment processing, and analytics.

Sensitive Personal Information (SPI). To the extent we collect SPI (e.g., SSN, driver’s license, precise identifiers) it is used only for limited purposes described below (e.g., identity verification, pre-qualification, underwriting support, fraud prevention, compliance) and not for inferring characteristics.

3) How We Use Personal Information

We use information to:

Provide & improve Services: evaluate eligibility, pre-qualify, match with programs, coordinate with Partners, and deliver support.

Communicate with you: emails, calls, voicemails, and SMS/texts related to your inquiry/application (including automated systems; consent not required to obtain services—see Section 5).

Verification & fraud prevention: identity checks, security monitoring, abuse detection.

Compliance & recordkeeping: legal, regulatory, tax, and audit obligations (e.g., FCRA, E-SIGN, records retention).

Operations & analytics: site performance, debugging, usage analytics, and quality assurance.

With your additional consent: any other purpose you authorize at the time of collection.

4) How We Share Personal Information

We do not sell your personal information. We share as follows:

Partners (acting on our behalf or servicing your request): To evaluate eligibility, pre-qualify, underwrite, process, and service your inquiry/application, certain information may be shared with Partners so they can contact you and perform their functions.

Service providers / vendors: Hosting, communications (email/SMS/calls), identity verification, analytics, scheduling, document storage, and customer support.

Legal & compliance: To comply with law, regulation, legal process, or to protect rights, safety, and security (including fraud prevention and incident response).

Corporate transactions: In a merger, acquisition, reorganization, or asset transfer, data may be transferred consistent with this Policy.

With your direction or consent: Where you ask us to share.

We require recipients handling your data for us to use it only for the intended purpose and to safeguard it appropriately.

5) SMS/Text Messages, Calls, and Email

By providing your contact information, you agree that Are You Fundable and our Partners (and service providers acting on our behalf) may contact you about your inquiry/application via SMS/text, calls, voicemails, and emails. Calls or texts may use an autodialer, artificial voice, or prerecorded message. Consent is not a condition of purchase or obtaining services. Message frequency varies; message/data rates may apply.

Opt out of texts: reply STOP. For help, reply HELP.

Opt out of marketing calls: tell the caller or email [email protected] to be placed on our internal do-not-call list.

Carriers are not liable for delayed/undelivered messages. You represent you are the subscriber or customary user of the number provided and will notify us if it changes.

6) Cookies & Tracking Technologies

We use cookies and similar tech to:

operate the Site (e.g., login, security, session management),

perform analytics and performance measurement, and

prevent fraud/abuse.

You can control cookies via browser settings; disabling some cookies may affect Site functionality. We do not currently respond to “Do Not Track” signals.

7) Data Security

We employ reasonable administrative, technical, and physical safeguards designed to protect personal information (e.g., access controls, encryption in transit, employee training). However, no method of transmission or storage is completely secure.

8) Data Retention

We retain information for as long as reasonably necessary to: (a) provide Services; (b) support your application and any resulting funding/engagement; (c) comply with legal, regulatory, tax, fraud-prevention, and accounting requirements; and (d) resolve disputes and enforce agreements.
Typical retention: application/communications records are generally kept for the life of your relationship plus up to seven (7) years, or longer if required by law or to protect our rights.

9) Your Privacy Rights (U.S.)

Depending on where you live (e.g., California, Virginia, Colorado, Connecticut, Utah), you may have some or all of the following rights, subject to verification and exceptions:

Access / Know: request details about categories and specific pieces of personal information we have collected.

Correct: request correction of inaccurate personal information.

Delete: request deletion of personal information we collected from you.

Portability: receive certain information in a portable format.

Opt-out: of targeted advertising/cross-context behavioral advertising, automated profiling (where applicable), or the sale of personal information.

Limit use/disclosure of Sensitive PI: to purposes necessary to provide Services and as permitted by law.

Appeal: if we deny a rights request (for VA/CO/CT and similar laws).

How to exercise your rights: Email [email protected] with your name, contact details, the right you wish to exercise, and sufficient information for us to verify your identity (and, if applicable, your authority as an agent). We will verify and respond within the timelines required by applicable law. To appeal a decision, reply to our response with “Appeal” in the subject line.

We do not sell or “share” personal information as defined by the California Consumer Privacy Act (CCPA/CPRA). If that changes, we will update this Policy and provide required “Do Not Sell or Share” links.

10) California “Notice at Collection”

To residents of California, we provide the following notice under the California Consumer Privacy Act (CCPA/CPRA).

Categories of Personal Information We Collect

Identifiers and contact information: name, email, phone number, mailing address, date of birth.

Government identifiers and sensitive personal information (if applicable): Social Security Number, driver’s license or other government-issued ID.

Financial and application data (if applicable): bank statements, stated income, employment details, liabilities, credit card utilization, documents you upload, credit goals.

Business applicant data (if applicable): legal business name, DBA, EIN, ownership structure and percentages, beneficial owner details, industry, revenues, time-in-business, business address/phone.

Internet or device information: IP address, device type, operating system, browser type/version, pages viewed, session duration, referring/exit pages, general location derived from IP.

Communications records: emails, messages, call and SMS metadata related to your inquiry/application.

Inferences: basic program fit and recommendations derived from the above.

Sources of Personal Information

You (forms, uploads, emails, calls, SMS).

Your device/browser (automatic collection on our Site).

Partners and service providers acting on our behalf (e.g., identity verification, communications, analytics, document handling).

Consumer reporting agencies and similar verification/fraud-prevention sources when you authorize a pre-qualification or application.

Purposes for Collection and Use

To provide and improve the Services, evaluate eligibility, pre-qualify, match with programs, coordinate with Partners, and deliver support.

To communicate with you (email, calls, voicemails, SMS/texts, which may use automated systems; consent is not required to obtain services).

For identity verification, security, fraud prevention, and abuse detection.

For legal, regulatory, tax, audit, and recordkeeping obligations (including FCRA and E-SIGN compliance).

For operations, analytics, site performance, debugging, and quality assurance.

For any other purpose disclosed at collection or with your additional consent.

Retention
We retain personal information for as long as reasonably necessary to provide the Services and support your application, comply with legal and regulatory requirements, prevent fraud, resolve disputes, and enforce agreements. In general, application and communications records are kept for the duration of your relationship plus up to seven (7) years, or longer where required by law or to protect our rights. Internet/device analytics data is typically retained for shorter periods consistent with its operational purpose.

Selling or Sharing
We do not sell personal information and we do not “share” personal information for cross-context behavioral advertising as those terms are defined by the CCPA/CPRA. If this changes, we will update this Policy and provide required “Do Not Sell or Share” mechanisms.

Your California Privacy Rights
Subject to verification and applicable exceptions, you may have the right to: (a) know/access categories and specific pieces of personal information; (b) request correction; (c) request deletion; (d) receive information in portable format; (e) opt out of sale or sharing (not applicable currently); and (f) limit the use/disclosure of sensitive personal information to necessary purposes. You also have the right not to be discriminated against for exercising these rights.

To exercise your rights, email [email protected] with your name, contact details, the right you seek to exercise, and sufficient information for us to verify your identity (and, if applicable, your authority as an agent). If we deny a request, you may submit an appeal by replying to our response with “Appeal” in the subject line.

11) Children’s Privacy

Our Services are not intended for children under 13, and we do not knowingly collect personal information from them.

12) FCRA, GLBA, and Other Financial Privacy Notes

FCRA: If you authorize us (or Partners acting on our behalf) to obtain a consumer report for pre-qualification or related purposes, you have rights under the Fair Credit Reporting Act to dispute inaccurate information with the consumer reporting agency.

GLBA: Some activities may be subject to the Gramm-Leach-Bliley Act (GLBA). Where GLBA applies, we will provide any required GLBA privacy notice; if there is a conflict between that notice and this Policy, the GLBA notice controls.

13) External Links & Third-Party Services

Our Site may link to third-party websites or services. Their privacy practices are governed by their own policies; we are not responsible for them. We encourage you to review those policies.

14) International Users

We operate in the United States. If you access the Services from outside the U.S., you understand your data may be transferred to, stored in, and processed in the U.S., where laws may differ from those in your country.

15) Changes to This Policy

We may update this Policy periodically. The “Last Updated” date reflects the most recent changes. Your continued use of the Services after an update constitutes acceptance of the revised Policy.

16) Contact Us

PARADIGM FINANCIAL SERVICES LLC d/b/a ARE YOU FUNDABLE
Address: 301 N Main St, Floor 24, Winston-Salem, NC 27101
Email: [email protected]
Phone: +1 (800) 223-3658