Privacy Policy

Introduction

Pennysdream Inc ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, business name, and other information you provide when requesting funding or contacting us.
• Financial Information: Bank account details, revenue data, credit history, and other financial information necessary to evaluate loan applications.
• Technical Information: IP address, browser type, device information, and website usage data collected through cookies and similar technologies.

How We Use Your Information

We use the information we collect for the following purposes:

• To process and evaluate your loan or financing application
• To communicate with you about our products and services
• To comply with legal and regulatory requirements
• To improve our website and customer experience
• To send you marketing communications (with your consent)

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information with:

• Service Providers: Third-party vendors who assist us in operating our business, such as payment processors, credit reporting agencies, and technology providers.
• Legal Compliance: Law enforcement, regulatory agencies, or other parties when required by law or to protect our legal rights.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

SMS & Text Message Communications

If you consent to receive SMS/text messages from Pennysdream Inc, the following terms apply:

Consent and Opt-In

By providing your mobile phone number and checking the SMS consent box on our contact form, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Pennysdream Inc, sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.

Message Frequency and Costs

Message frequency varies. You may receive up to 4 messages per month. Message and data rates may apply depending on your mobile carrier's plan.

Opt-Out and Help

You can opt out of receiving SMS messages at any time by replying STOP to any message from us. For assistance, reply HELP to any message or contact us at corey@pennys-dream.com.

Consent Not Required for Purchase

Consent is NOT a condition of purchase. You may decline to receive SMS messages and still access our products and services.

Supported Carriers

Our SMS program supports all major U.S. carriers. Message delivery is subject to your carrier's terms and network availability.

Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements.

Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access and receive a copy of your personal information
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information
• Object to or restrict certain processing activities
• Withdraw consent for marketing communications

To exercise any of these rights, please contact us at corey@pennys-dream.com.

Cookies and Tracking Technologies

We use cookies and similar technologies to collect technical information and improve your browsing experience. You can control cookie settings through your browser preferences.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

Pennysdream Inc
8209 Willow Branch Drive
Waxhaw, NC 28173
Email: corey@pennys-dream.com