Privacy Policy

SPENCEME LLC ("we," "us," "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Fill out a loan application or contact form
• Subscribe to our email communications
• Request information about our services
• Communicate with us via email or other channels

This information may include:

• Name and business name
• Email address
• Phone number (if provided)
• Business information (revenue, time in business, industry)
• Financial information necessary to evaluate loan applications

Automatically Collected Information

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

• IP address
• Browser type
• Operating system
• Access times and pages viewed
• Referring website addresses

How We Use Your Information

We use the information we collect to:

• Process and evaluate loan applications
• Communicate with you about our services and your account
• Send you marketing communications (if you've opted in)
• Improve our website and services
• Comply with legal obligations
• Prevent fraud and ensure security

SMS & Text Message Communications

Information Sharing and Disclosure

Third-Party Service Providers

We may share your information with trusted third-party service providers who assist us in operating our business, such as:

• Credit bureaus and underwriting partners
• Payment processors
• Email and communication service providers
• Analytics providers

These service providers are contractually obligated to keep your information confidential and use it only for the purposes we specify.

Mobile Opt-In Data Protection

Legal Requirements

We may disclose your information if required by law, court order, or government regulation, or if we believe disclosure is necessary to:

• Comply with legal process
• Protect our rights, property, or safety
• Prevent fraud or illegal activity
• Protect the rights and safety of our users or the public

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 (SSL/TLS)
• Secure servers and databases
• Access controls and authentication
• Regular security audits

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.

Your Privacy Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt out of marketing communications at any time
• Opt out of SMS messages by replying STOP

To exercise these rights, contact us at tracy@spenceme.com.

Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to enhance your experience on our website. You can control cookie preferences through your browser settings.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance of the revised policy.

Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: