Privacy Policy

Last updated: June 12, 2026

Versatil Financial LLC (“Versatil Financial,” “we,” “us,” or “our”) operates versatilfinancial.com and related online forms, communications, and services (collectively, the “Site” and “Services”).

Versatil Financial helps small-business owners explore business-purpose financing options, organize documentation, communicate with financing providers, and receive general business financing support. Versatil Financial is not a bank, lender, creditor, loan originator, underwriter, servicer, or funding provider.

This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit our Site, submit a form, upload documents, communicate with us, or use our Services.

We primarily serve small-business customers. Some U.S. privacy laws focus on personal, family, or household use. However, because business financing requests often include owner, guarantor, contact, identity, and financial information, we apply the transparent practices described in this Privacy Policy to the information we handle.

If you have questions, contact us at:

Versatil Financial LLC
Email: info@versatilfinancial.com
Phone: (877) 735-4183
Mailing Address: 6470 Coolidge Street, Hollywood, FL 33024

1. Information We Collect

A. Information You Provide Directly

We may collect information you provide through forms, applications, uploads, phone calls, SMS/text messages, WhatsApp, email, social media messages, surveys, appointments, or other communications, including:

Identity and contact information: name, business title, email address, phone number, mailing address, business address, and preferred contact method.

Business information: legal business name, DBA, entity type, industry, time in business, ownership information, business location, website, business licenses, lease information, EIN or Tax ID information when required, and other operational details.

Financial and underwriting-related information: revenue, deposits, bank statements, credit-card processing statements, tax returns, profit and loss statements, balance sheets, accounts receivable, accounts payable, debt schedules, existing financing obligations, UCC/lien information, processor reports, and similar documentation.

Owner or guarantor information: ownership percentage, role in the business, identity verification information, and limited personal information needed to evaluate or support a business-purpose financing request.

Sensitive information: we may request limited sensitive information only when reasonably necessary for underwriting, identity verification, fraud prevention, lender/funder requirements, or legal compliance. Do not submit Social Security numbers, full Tax ID numbers, bank login credentials, medical information, protected health information, or other highly sensitive information unless we specifically request it through a secure method.

Communications and uploads: information contained in messages, call notes, appointment notes, uploaded files, screenshots, documents, and other materials you choose to provide.

Preferences and consents: marketing opt-ins, SMS/call consent, electronic communication preferences, cookie preferences, and records of acknowledgments or authorizations.

B. Information Collected Automatically

When you use the Site, we may automatically collect:

Usage data: IP address, device type, browser type, operating system, pages visited, referring or exit pages, timestamps, clicks, session activity, and similar analytics.

Cookies and similar technologies: cookies, pixels, local storage, analytics tags, and similar tools used to remember preferences, improve functionality, measure performance, enhance security, and understand Site activity.

C. Information From Third Parties

We may receive information from:

Lender, funder, broker, or financing partners: application status, underwriting feedback, document requests, funding status, offer details, or decline reasons.

Service providers: hosting, analytics, security, CRM, document storage, file upload, e-signature, email, SMS, call tracking, scheduling, payment, identity verification, fraud prevention, and compliance tools.

Credit, identity, fraud-prevention, or verification sources: only when authorized or legally permitted.

Public or business sources: state business registries, public records, business websites, social media pages, UCC/lien records, or other business verification sources.

2. How We Use Information

We may use information to:

• Provide business financing brokerage, referral, documentation, readiness, and support services.
• Review your inquiry and help identify potential business-purpose financing options.
• Collect, organize, and transmit documents needed for lender, funder, or provider review.
• Communicate with you about your inquiry, application, appointments, documents, next steps, and updates.
• Verify identity, business status, ownership, revenue, documentation, or other underwriting-related information.
• Help prevent fraud, misuse, unauthorized activity, or submission of false or misleading information.
• Share information with third-party lenders, funders, brokers, processors, and service providers when reasonably necessary to evaluate or support your business financing request.
• Operate, secure, monitor, maintain, and improve our Site and Services.
• Maintain records of authorizations, disclosures, communications, consents, and transactions.
• Send educational or marketing communications where permitted by law and your consent choices.
• Comply with legal, regulatory, contractual, tax, accounting, audit, security, and operational obligations.
• Enforce our Terms & Conditions and other agreements.

3. How We Share Information

We may share information with the following categories of recipients:

A. Lenders, Funders, Brokers, and Financing Providers

We may share your information and documents with independent third-party lenders, funders, financing providers, brokers, processors, underwriters, or related parties to evaluate eligibility, request offers, process a business financing request, verify information, or support a transaction you authorize us to pursue.

These third parties have their own underwriting rules, eligibility requirements, disclosures, privacy practices, security practices, and agreements. Their decisions are made independently from Versatil Financial.

B. Service Providers and Vendors

We may share information with vendors that help us operate our business, including hosting providers, cybersecurity providers, CRM platforms, email and SMS providers, analytics providers, document storage providers, file upload tools, scheduling tools, e-signature tools, payment processors, backup providers, identity verification providers, fraud prevention providers, and other operational service providers.

We require service providers to use information only as needed to provide services to us or as otherwise permitted by applicable law or contract.

C. Professional Advisors

We may share information with lawyers, accountants, auditors, consultants, compliance advisors, insurance providers, or other professional advisors under confidentiality or professional obligations.

D. Legal, Safety, Compliance, and Fraud Prevention

We may disclose information when we believe disclosure is necessary or appropriate to comply with law, regulation, subpoena, legal process, government request, court order, contractual obligation, or to protect the rights, property, safety, security, or integrity of Versatil Financial, our customers, our partners, or others.

E. Business Transfers

If Versatil Financial is involved in a merger, acquisition, financing, reorganization, sale of assets, due diligence process, or similar business transaction, information may be transferred as part of that transaction, subject to appropriate safeguards.

F. With Your Consent or Direction

We may share information with others when you direct us to do so or provide consent.

4. No Sale of Personal Information

Versatil Financial does not sell personal information as a standalone product.

Some U.S. state privacy laws may define “sale,” “sharing,” or “targeted advertising” broadly, including certain advertising, analytics, or cross-context behavioral advertising practices. Where applicable, you may opt out by emailing info@versatilfinancial.com with the subject line “Opt-Out of Sale/Sharing.”

Where required by applicable law, we honor Global Privacy Control signals. We do not knowingly sell or share personal information of individuals under 16.

5. SMS, Calls, TCPA Consent, and Communication Choices

A. Informational and Service Communications

If you provide your phone number, you authorize Versatil Financial and its representatives to contact you regarding your inquiry, documents, appointments, application status, financing review, or requested Services by phone call, SMS/text message, email, or other electronic means.

These informational communications may include appointment reminders, document requests, application updates, verification requests, and next-step instructions. Message and data rates may apply.

You may opt out of SMS/text messages at any time by replying STOP, CANCEL, UNSUBSCRIBE, END, QUIT, or any other reasonable message clearly expressing that you no longer wish to receive texts. You may request help by replying HELP.

B. Marketing Communications

We send marketing calls or texts only where permitted by law and, when required, only after receiving separate prior express written consent. Marketing consent is not required to submit an inquiry, use our Services, or request business financing support.

If you consent to marketing communications, you authorize Versatil Financial to contact the number you provide using automated technology, prerecorded messages, artificial voice, SMS/text messages, or similar methods where permitted by law. Message frequency may vary. Message and data rates may apply.

You may revoke marketing consent at any time by replying STOP to text messages, using an unsubscribe link, contacting us at info@versatilfinancial.com, or using any other reasonable method.

C. Email Marketing

If we send commercial email, we provide an unsubscribe option where required. You may opt out of marketing emails at any time by using the unsubscribe link or contacting us. Transactional or service-related emails may still be sent when necessary to provide Services, respond to your inquiry, or comply with legal or operational obligations.

6. Credit Reports and Credit Authorization

Versatil Financial does not obtain a consumer credit report unless permitted by law and authorized where required.

If a lender, funder, broker, or provider requires a personal or business credit check, you may be asked to provide a separate credit authorization before such report is obtained. Credit checks, hard inquiries, soft inquiries, identity verification, fraud checks, and underwriting reviews may be conducted by third parties under their own policies and applicable law.

7. Data Security

We use commercially reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, use, disclosure, alteration, or destruction.

These safeguards may include encryption in transit, access controls, authentication, vendor controls, logging, limited-access permissions, secure document storage, and internal procedures for handling sensitive information.

No website, email system, SMS system, file transfer method, or electronic storage system is 100% secure. Please do not send highly sensitive information through unsecured channels.

If you believe your information may have been compromised, contact us immediately at info@versatilfinancial.com.

8. Data Retention

We retain information for as long as reasonably necessary to provide Services, process inquiries, maintain business records, comply with legal, tax, accounting, audit, regulatory, contractual, and security obligations, resolve disputes, enforce agreements, prevent fraud, and maintain records of consents or authorizations.

Retention periods vary depending on the type of record, the nature of the relationship, legal requirements, partner requirements, and operational needs.

When information is no longer reasonably needed, we may delete, de-identify, aggregate, archive, or securely dispose of it, subject to applicable law and legitimate business needs.

9. Cookies and Similar Technologies

We may use cookies, pixels, tags, local storage, and similar technologies to:

• Remember preferences and session settings.
• Measure Site traffic and performance.
• Improve content, functionality, and security.
• Understand how visitors interact with the Site.
• Support advertising or retargeting where permitted.

Most browsers allow you to block or delete cookies. Doing so may affect Site functionality. Where available, you may manage preferences through our cookie banner or privacy settings.

10. Children’s Privacy

Our Site and Services are intended for adults and business users. We do not knowingly collect personal information from children under 13.

If you believe a child has provided information to us, contact us and we will take appropriate steps to delete the information.

11. Third-Party Links and Third-Party Services

The Site may contain links to third-party websites, platforms, applications, lenders, funders, service providers, or external resources that we do not control.

This Privacy Policy does not apply to third-party websites or services. Their privacy policies, security practices, disclosures, and terms govern their collection and use of information. Review their policies carefully before providing information.

12. International Users

Versatil Financial is based in the United States. Our systems and many of our service providers are located in the United States.

If you access the Site from outside the United States, you understand that your information may be transferred to, stored in, and processed in the United States or other jurisdictions that may have data protection laws different from those in your location.

13. Your Privacy Rights and Choices

Depending on your location and applicable law, you may have rights to:

• Request access to certain information we maintain about you.
• Request correction of inaccurate information.
• Request deletion of certain information, subject to legal exceptions.
• Opt out of marketing communications.
• Opt out of certain “sale,” “sharing,” or targeted advertising practices where applicable.
• Limit certain uses of sensitive personal information where applicable.
• Request information about categories of personal information collected, used, or disclosed.

To submit a request, email info@versatilfinancial.com with the subject line “Privacy Request.”

We may need to verify your identity and authority before responding. Authorized agents may submit requests where permitted by law, subject to proof of authorization.

Because Versatil Financial primarily serves small-business customers, some consumer privacy rights may not apply to purely business-context information. Where applicable, we will honor legally required rights and reasonable requests in good faith.

14. Do Not Track and Global Privacy Control

Some browsers transmit “Do Not Track” signals. There is currently no uniform industry standard for responding to Do Not Track signals, and we do not alter our practices in response to those signals.

Where required by applicable law, we honor Global Privacy Control signals as opt-out requests for applicable sale or sharing activities.

15. HIPAA Notice

Versatil Financial is not a healthcare provider, health plan, healthcare clearinghouse, or HIPAA business associate in connection with this Site or the Services described here.

Do not submit medical records, protected health information, or health-related information through the Site unless specifically requested through a secure channel for a lawful and necessary purpose.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The “Last updated” date reflects the most recent version.

If we make material changes, we may post a notice on the Site or provide notice by another appropriate method where required by law.

Your continued use of the Site or Services after an updated Privacy Policy becomes effective means you acknowledge the updated Privacy Policy.

17. Contact Us

Versatil Financial LLC
6470 Coolidge Street, Hollywood, FL 33024
Email: info@versatilfinancial.com
Phone: (877) 735-4183