This Privacy Policy describes how Nick of Time Funding (“Company,” “we,” “us,” or “our”) collects, uses, and discloses your information when you visit our website, submit a loan inquiry, or communicate with us by phone, email, or SMS text message.
1. Information We Collect
We collect information you provide directly to us, such as your name, email address, phone number, mailing address, property address, loan amount requested, project details, and any other information you submit through our forms or share with us by phone, email, or SMS. We also collect limited automatic information when you visit our website, such as IP address, browser type, device information, referring URL, and pages viewed.
2. How We Use Your Information
We use the information you provide to evaluate loan inquiries, prepare term sheets, communicate with you about your application, deliver servicing and closing-related communications, respond to your questions, prevent fraud, and comply with applicable law.
3. SMS Messaging & A2P 10DLC Consent
By providing your mobile phone number and opting in through our website forms or by texting us directly, you expressly consent to receive SMS text messages from Nick of Time Funding related to your loan inquiry, application status, scheduling, term sheets, document requests, closing updates, and related customer-care messages.
Program description: Account, transactional, and customer-care messages related to your loan inquiry or active loan.
Message frequency: Message frequency varies based on your interaction with us and the status of your inquiry or loan.
Message and data rates: Message and data rates may apply. Check with your wireless carrier for details.
Opt-out: You can opt out at any time by replying STOP to any of our text messages. After replying STOP, you will receive one confirmation message and no further messages will be sent unless you opt back in.
Help: Reply HELP to any message for assistance, or contact us at brianthomas@nickoftimefunding.com or +1 (470) 943-4233.
No purchase required: Consent to receive SMS messages is not a condition of receiving any loan, service, or product from us.
No sharing of mobile information: Mobile information, including phone numbers and SMS opt-in consent, will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing is limited to subcontractors or service providers acting on our behalf to support the messaging program (for example, messaging platform providers), and only as necessary to deliver messages or comply with law.
Supported carriers: Carriers are not liable for delayed or undelivered messages.
4. How We Share Information
We do not sell your personal information. We may share information with service providers who help us operate our business (such as CRM, messaging, email, hosting, analytics, and document processing vendors), with capital partners and investors involved in funding the loan you applied for, and as required by law, court order, or to protect our legal rights. Mobile information and SMS opt-in data are excluded from any such sharing for marketing purposes as described in Section 3.
5. Cookies & Analytics
Our website may use cookies and similar technologies to operate the site, remember preferences, measure performance, and understand how visitors use our pages. You can control cookies through your browser settings.
6. Data Retention
We retain personal information for as long as needed to provide the services you requested, to comply with legal, accounting, regulatory, and recordkeeping obligations, and to resolve disputes.
7. Security
We use reasonable administrative, technical, and physical safeguards to protect personal information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
8. Your Rights
Depending on your state of residence, you may have the right to access, correct, delete, or restrict use of certain personal information, and to opt out of certain disclosures. To make a request, contact us at brianthomas@nickoftimefunding.com.
9. Children’s Privacy
Our services are intended for adults. We do not knowingly collect personal information from children under 13.
10. Changes to This Policy
We may update this Privacy Policy from time to time. The “Last updated” date at the top reflects the most recent revision.
11. Contact Us
Questions about this Privacy Policy or our SMS program? Contact us at brianthomas@nickoftimefunding.com or +1 (470) 943-4233.