Last updated: November 4, 2025
small-business owners evaluate real financing options from our lender partners. This Privacy Policy explains how we collect, ustext, or other channels.
We serve small-business customers. While many U.S. privacy laws focus on personal/household use, we safeguard any personal information we handle and apply the transparent practices described below.
If you have questions, contact us at info@versatilfinancial.com or (877) 735-4183.
Information We Collect
Information you provide directly.
- Identity & contact: name, email, phone, mailing address, and (if applicable) last four digits of SSN/Tax ID when required for underwriting or due diligence.
- Business details: legal name, DBA, entity type, industry, time in business, ownership, revenue, average ticket, card processing, and other operational data.
- Financial documents: bank statements, credit-card statements, tax returns, processor reports, AR/AP, and similar documentation (often provided read-only).
- Communications & uploads: information shared by phone, SMS, WhatsApp, social messaging, forms, applications, surveys, or file uploads.
- Preferences & consents: marketing opt-ins, TCPA consent for calls/SMS, cookie choices.
Information collected automatically.
- Usage data: IP address, device/browser type, pages visited, referring/exit pages, timestamps.
- Cookies & similar tech: to remember preferences, improve the Site, and measure performance.
Information from third parties.
- Service providers & partners: analytics, hosting, security, identity verification, document capture, e-signature, and CRM tools.
- Lender partners: status updates on your application/process.
- Credit & fraud-prevention sources (when authorized): limited checks necessary to evaluate eligibility or comply with law.
How We Use Information
- Provide ethical advisory and brokerage services; collect documents; compare eligible offers; and explain costs, conditions, and risks.
- Verify identity, perform due diligence, and help prevent fraud or misuse.
- Operate, secure, and improve the Site and our services.
- Communicate about your case, appointments, and next steps; send confirmations and updates.
- With your consent, send educational or marketing communications (you can opt out anytime).
- Comply with legal obligations and enforce our Terms.
How We Share the Information With Others
We may share information with:
- Lender partners to evaluate eligibility and present options you authorize us to pursue.
- Service providers (hosting, security, email/SMS, analytics, CRM, e-signature, storage, backups) under contracts that restrict their use to our instructions.
- Professional advisors (e.g., lawyers, accountants) under confidentiality duties.
- Authorities when required by law, regulation, subpoena, or to protect rights, safety, or prevent fraud.
- Business transfers (e.g., merger, acquisition) with appropriate safeguards.
- With your consent or at your direction.
We do not sell your personal information. Some U.S. state privacy laws (e.g., CA, CO, CT, VA, UT) may treat certain disclosures—such as cross-context behavioral advertising—as a “sale” or “sharing.” Where these laws apply, you may opt out via our “Do Not Sell or Share My Personal Information” link [insert URL] or by emailing info@versatilfinancial.com with the subject “Opt-Out of Sale/Sharing.” We honor Global Privacy Control (GPC) signals where required and do not knowingly sell or share personal information of consumers under 16.
SMS/Call Consent (TCPA) & Your Choices
Informational/service messages. If you provide your phone number, we may call or text you about your inquiry or our services (e.g., appointment reminders, document requests). These informational messages do not include marketing. You can opt out of texts at any time by replying STOP (HELP for help). Message and data rates may apply.
Marketing messages. We send marketing calls/texts only if you give us separate, prior express written consent (PEWC). That consent is not required to obtain services and authorizes Versatil Financial to contact the number you provide using an autodialer or prerecorded voice; message frequency varies. You may revoke consent at any time as described above. We honor the National and internal Do-Not-Call lists and applicable quiet hours.
Data Security
We use commercially reasonable administrative, technical, and physical safeguards to protect information (e.g., encryption in transit, access controls, logging). No method of transmission or storage is 100% secure; please use secure channels when sending sensitive documents.
Data Retention
We retain information for as long as needed to provide services, meet legal/contractual obligations, resolve disputes, and enforce agreements. Retention periods vary by record type (e.g., applications, underwriting documents, consents, communications).
Cookies & Similar Technologies
Cookies, pixels, and local storage help us:
- remember preferences and session state;
- analyze traffic and performance;
- improve content and security.
Most browsers allow you to block or delete cookies. Doing so may affect Site functionality. You can also manage preferences via our cookie banner (where available).
Children’s Privacy
Our services are intended for adults (18+). We do not knowingly collect information from children under 13. If you believe a child provided information, contact us and we will delete it.
Third-Party Links
The Site may link to third-party websites or services we do not control. Their privacy practices govern those properties. Review their policies carefully.
International Transfers
Our systems and many providers are located in the United States. If you access the Site from outside the U.S., you consent to the transfer and processing of your information in the U.S. and other jurisdictions with different data-protection rules.
Your Legal Right
- Access/Update/Deletion: Request access to, correction of, or deletion of your information (subject to legal exceptions).
- Marketing Opt-Out: Unsubscribe from emails via the link provided, or opt out of SMS by replying STOP.
- Cookies: Manage through your browser or our cookie banner.
- U.S. State Privacy Disclosures: Residents of CA, CO, CT, VA, UT (and other states as laws take effect) may have additional rights. Authorized agents may submit requests with proof of authorization.
Note: We primarily serve small-business customers; certain consumer privacy rights may not apply to purely business context data. Where applicable, we will honor those rights in good faith.
Do Not Track
Some browsers transmit “Do Not Track” (DNT) signals. There is currently no industry standard governing how to respond to these signals, and we do not alter our practices when we receive a DNT signal. You can manage cookies and similar technologies through your browser settings or our cookie banner. Where required by applicable law, we honor Global Privacy Control (GPC) signals for “sale”/“sharing” opt-outs.
Changes to This Policy
We may update this Privacy Policy from time to time. The “Last updated” date at the top of the page reflects the most recent version. If we make material changes, we will post a prominent notice on the Site and, where required by law, notify you by email or through another appropriate method. Your continued use of the Site after the effective date of any changes constitutes your acceptance of the revised Policy.
Contact Us
Versatil Financial LLC
Email: info@versatilfinancial.com
Phone: (877) 735-4183
Mailing Address: 6470 Coolidge Street, Hollywood, FL, 33024
Note: This Policy is for general informational purposes and is not legal advice.