Privacy Policy

Effective Date: May 9, 2025

At Special Financing Company, LLC (“Special Financing Company,” “we,” “our,” or “us”), your privacy is important to us. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit our website, use our financing services, or engage with us in any other way.

By accessing or using our services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services.

1. Information We Collect

Personal Information:

• Contact: Name, email, address, phone number

• Identification: Date of birth, SSN, government-issued ID

• Financial: Bank account, payment card, income, employment, credit history

• Business: Business name, address, EIN, financial info (for business clients)

• Account: Username, password, preferences

• Demographic: Age, gender, occupation

• Transaction: Purchase records, financing applications, payment history

Automatically Collected Information:

• Device data: IP address, browser type, OS, device IDs

• Usage: Pages visited, time on site, links clicked, referrer, search terms

• Location: General location via IP

• Cookies and similar technologies

Third-Party Information:

• Credit agencies

• Partner businesses

• Public records and social media

• Service providers (e.g., fraud prevention, identity verification)

2. How We Use Your Information

Core Functions:

• Process applications and manage accounts

• Collect payments and provide support

• Communicate about transactions or services

• Verify identity and prevent fraud

• Comply with legal requirements

Business Operations:

• Improve and personalize services

• Analyze trends and usage

• Quality assurance and training

• Enforce terms and conditions

• Resolve issues and maintain operations

Marketing and Communication:

• Send offers and promotional content (based on preferences)

• Conduct surveys and measure marketing effectiveness

• Provide tailored recommendations

3. Sharing Your Information

With Service Providers:

• Payment processors, hosting providers, support services, analytics, marketing, legal advisors

With Business Partners:

• To process financing, service accounts, and facilitate transactions

With Financial Institutions and Credit Bureaus:

• For financing, underwriting, and credit reporting

For Legal Compliance:

• Respond to legal processes, enforce rights, comply with law

In Business Transfers:

• During mergers, acquisitions, sales, or reorganizations

With Your Consent:

• When you authorize information sharing

4. Data Security

We implement administrative, technical, and physical safeguards to protect personal data, including:

• Encryption

• Secure networks

• Access control

• Regular security reviews

• Employee training

However, no method of transmission or storage is 100% secure.

5. Your Privacy Rights and Choices

Depending on your jurisdiction, you may have the right to:

• Access or request a copy of your data

• Correct inaccurate information

• Request deletion of data

• Opt out of targeted advertising or data sharing

• Manage marketing preferences

• Control cookies through browser settings

Exercising Your Rights: Contact us using the information in Section 10. We may verify your identity before fulfilling requests.

6. State-Specific Rights

California Residents (CCPA/CPRA):

• Right to know, delete, correct, and opt-out of personal information sale/sharing

• Right to non-discrimination

• Contact us to submit a request

Nevada Residents:

• Right to opt-out of the sale of certain information (not currently applicable)

7. Children’s Privacy

We do not knowingly collect data from children under 18. If collected unintentionally, it will be deleted.

8. International Transfers

Data is primarily stored and processed in the U.S. International transfers comply with applicable laws and safeguards.

9. Changes to This Policy

We may update this policy periodically. Material changes will be posted on our website or sent via email. Continued use after updates indicates acceptance.

10. Data Retention

We retain data as needed for business, legal, and regulatory purposes. When no longer needed, data is deleted or anonymized.

11. Third-Party Links

Our services may include links to external websites. We are not responsible for their privacy practices. Please review their policies.

12. Do Not Track

We do not respond to browser DNT signals. Use our opt-out tools for data control.

13. Financial Privacy Notice

Our financial privacy practices may be subject to additional disclosures as required by the Gramm-Leach-Bliley Act or other laws. If there is a conflict, those notices will govern.

14. Contact Us

Special Financing Company
2504 Build America Dr.
Hampton, VA 23666
Email: support@sfc.us
Phone: 757-825-0450
Website: www.sfc.us/contact

California Residents:
Email: legal@sfc.us
Phone: 757-825-0450

Last Updated: May 9, 2025