Privacy Policy

Introduction

OB Funding LLC ("OB Funding," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or submit a funding application.

Information We Collect

Personal Information

When you apply for funding or create an account, we may collect:

• Full name, date of birth, and Social Security Number (SSN)
• Email address, phone number, and home address
• Business name, address, EIN, and business type
• Financial information including monthly revenue, bank statements, and credit card processing statements
• Ownership percentage and years in business

Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address, browser type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Device identifiers and usage patterns

How We Use Your Information

We use the information we collect to:

• Process and evaluate your funding application
• Verify your identity and business information
• Communicate with you about your application status and funding offers
• Match you with appropriate funding products from our network of lenders
• Comply with legal and regulatory requirements
• Improve our services and user experience
• Prevent fraud and protect the security of our platform

Information Sharing and Disclosure

We may share your information with:

• Funding Partners and Lenders: We share your application and supporting documents with our network of funding partners to obtain offers on your behalf. By submitting an application, you authorize this sharing.
• Credit Bureaus: We may obtain consumer and business credit reports from agencies such as TransUnion, Experian, and Equifax to evaluate your application.
• Service Providers: We use third-party services for hosting, email delivery, document storage, and analytics. These providers are contractually obligated to protect your data.
• Legal Requirements: We may disclose information when required by law, regulation, or legal process.

Data Security

We implement industry-standard security measures to protect your personal information, including:

• Encryption of sensitive data (SSN, EIN) both in transit and at rest
• Secure, encrypted connections (HTTPS/TLS) for all data transmission
• Access controls limiting who within our organization can view your information
• Regular security assessments and monitoring

While we take reasonable steps to protect your information, no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. If you request account deletion, we will remove your data subject to any legal retention requirements.

Your Rights

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

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of certain data sharing practices
• Withdraw consent where processing is based on consent

To exercise any of these rights, please contact us at info@obfunding.com.

SMS and Text Messaging

OB Funding may send you text messages (SMS) to the phone number associated with your business or provided during the application process. These messages may include:

• Information about business funding options and offers
• Follow-up messages regarding your funding inquiry
• Responses to your text message inquiries

By providing your phone number and engaging with our text messages, you consent to receive SMS communications from OB Funding. Message and data rates may apply. Message frequency varies. You may opt out at any time by replying STOP to any message. Reply HELP for assistance. Your phone number and SMS data will not be shared with third parties for their marketing purposes.

For questions about our SMS program, contact us at info@obfunding.com or reply HELP to any message.

Cookies and Tracking

Our website may use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and understand usage patterns. 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 or content of these external sites. We encourage you to review their privacy policies before providing any personal information.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website with a revised "Last updated" date. Your continued use of our services after such changes constitutes your acceptance of the updated policy.

Contact Us

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

• Email: info@obfunding.com
• Website: obfunding.com/contact