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Pristine Factors Privacy Policy

Effective Date: 01/01/2021

Pristine Factors Financial, LLC (“Pristine Factors,” “we,” “us,” or “our”) values and protects your privacy. This Privacy Policy explains what information we collect, how we use and share it, and the choices you have. It applies to information collected through our website (currently https://pristinefactors.com/), related landing pages, funding application forms, SMS and email communications, and any other services that link to or reference this Policy (collectively, the “Services”).

If you are applying for business funding or submitting financial documents: Please review the Financial Data & Application Information section below—this data may receive additional protections under applicable financial privacy laws.

1. Who We Are

Pristine Factors provides business financing solutions, including merchant cash advances, equipment financing, SBA loan packaging assistance, and related funding services. In providing these services, we may collect and process information about business owners, authorized company representatives, and referral partners.

 

2. Scope of This Policy

This Policy covers personal and business information we collect:

  • When you visit our website or landing pages.

  • When you submit a funding inquiry or full application.

  • When you communicate with us by phone, SMS, email, or chat.

  • When third parties (e.g., ISOs, brokers, referral partners) submit information to us on your behalf.

  • When we access data from financial institutions or data aggregators with your authorization.

This Policy does not apply to third-party websites or platforms that we do not control, including linked lender portals, underwriter systems, or payment processors. Review those parties’ privacy policies separately.

3. Information We Collect

We collect information that identifies, relates to, describes, or could reasonably be linked with an individual or a business. The categories below are illustrative; what we collect depends on how you interact with us.

3.1 Identifiers & Contact Information

  • Name (first, last, middle)

  • Business name / DBA

  • Email address(es)

  • Mobile and office phone numbers (voice & SMS)

  • Physical address (business & mailing)

3.2 Business Profile Information

  • Entity type (LLC, Corp, Sole Prop, etc.)

  • State of formation / registration status

  • Industry / NAICS category

  • Time in business

  • Ownership percentages

3.3 Financial & Funding Application Data (Sensitive)

  • Monthly/annual revenue data

  • Bank statements (typically last 3–6 months)

  • Merchant processing statements

  • Tax ID / EIN

  • Voided check, bank account & routing numbers (for funding disbursement & ACH debits)

  • Existing lender positions / payoff statements

  • Signed authorizations & application forms

3.4 Government & Verification Data (as submitted)

  • Driver’s license or other government-issued ID (image & metadata)

  • Social Security Number (if required for credit check or verification—limited use; see Section 7)

  • Date of birth (for identity validation)

3.5 Communications Data

  • Emails, SMS/text messages, and chat transcripts

  • Call recordings (where legally permitted and with notice)

  • Support tickets and case notes

3.6 Internet / Technical Data

  • IP address

  • Device identifiers

  • Browser type & version

  • Referring/exit pages

  • Pages viewed, click behavior, session duration

  • Cookies, pixels, and similar tracking technologies (see Section 8)

3.7 Inferred Data

We may create internal notes, scoring indicators, risk assessments, eligibility models, or segmentation tags based on the data you provide and third-party sources.

4. Sources of Information

We collect information from:

  • You directly (forms, uploads, calls, emails, SMS replies, document submissions).

  • Your business partners or brokers who submit applications on your behalf.

  • Financial institutions & data aggregators (with authorization) that provide transactional data.

  • Credit bureaus or commercial credit data providers (business and, where authorized/required, consumer credit pulls for guarantors/principals).

  • Public records & business registries (secretary of state filings, UCC searches, lien databases).

  • Marketing & lead generation partners who share inquiry data when you request funding offers.

5. How We Use Your Information

We use collected information to:

  1. Evaluate eligibility for business funding and financing products.

  2. Underwrite, price, structure, and service funding offers.

  3. Communicate with you (email, SMS, phone) regarding applications, renewals, and account status.

  4. Verify identity, detect fraud, and perform due diligence (KYC/KYB/AML-type checks as appropriate to product).

  5. Process disbursements, repayments, and authorized ACH transactions.

  6. Provide customer support and respond to questions or complaints.

  7. Improve our website, marketing, analytics, and product performance.

  8. Meet legal, regulatory, audit, and contractual obligations (including Enova-related compliance, if applicable).

6. Financial Data & Application Information (GLBA-Like Notice)

Some of the information we collect in connection with evaluating or extending financing may be considered nonpublic personal information under certain U.S. financial privacy laws (e.g., Gramm-Leach-Bliley Act guidance as applied to non-bank funding providers). Where applicable:

  • We use this data solely for underwriting, servicing, compliance, and fraud prevention.

  • Access is restricted to authorized personnel and service providers with a need to know.

  • We do not sell this information.

  • We share it only as described in Section 7 (e.g., with funding partners/lenders, service providers, or as legally required).

7. How We Share Information

We do not sell personal information for money. We may share information in the following circumstances:

7.1 Funding Partners & Lenders

If you request funding (or permit us to shop your file), we may share your application package—including business and financial information—with funding partners, capital providers, syndication partners, or lenders to obtain offers.

7.2 Service Providers & Vendors

We engage trusted third parties to assist with:

  • Document storage & e-signature (e.g., DocuSign or similar)

  • SMS / email communication platforms

  • Data verification, KYC/KYB checks, and fraud screening

  • ACH processing / payment facilitation

  • Cloud hosting, IT security, analytics These vendors are contractually bound to use data only to perform services for us.

7.3 Referral / ISO Relationships

If you work with an Independent Sales Organization (ISO), broker, or referral partner tied to your submission, we may share application status and related funding data with that party.

7.4 Legal, Regulatory & Compliance

We may disclose information when required by law, subpoena, audit, examination, fraud investigation, enforcement action, or to protect rights, property, or safety.

7.5 Business Transfers

If we undergo a merger, acquisition, restructuring, or asset sale, your information may transfer as part of that transaction, subject to applicable rights.

8. Cookies, Pixels & Tracking Technologies

We (and service providers) may use cookies, tracking pixels, tags, and similar technologies to:

  • Remember user preferences

  • Measure traffic and conversion performance

  • Support retargeting/remarketing campaigns

  • Improve website experience

Choices: Most browsers allow you to block or delete cookies. Doing so may affect site functionality. For interest-based advertising opt-outs, visit industry sites such as the NAI or DAA (availability varies by region).

9. SMS & Email Communications

By providing a mobile number or email, you consent to receive communications related to funding, account activity, and marketing (where permitted). Message & data rates may apply.

Opt-Out:

  • SMS: Reply STOP to end marketing texts. (You may still receive important transactional messages.)

  • Email: Use the unsubscribe link or email Funding@pristinefactors.com with “Unsubscribe” in the subject.

10. Your Privacy Rights

Your rights depend on where you live. We will honor applicable data rights under relevant laws.

10.1 California (CCPA/CPRA)

California residents may have the right to request:

  • Access (categories & specific pieces of personal information)

  • Deletion (subject to legal exceptions)

  • Correction of inaccurate data

  • Opt-out of “sharing” for cross-context behavioral advertising (if applicable) To exercise, email Funding@pristinefactors.com with subject: “California Privacy Request.” We will verify your identity before responding.

10.2 Other U.S. State Privacy Laws (CO, CT, VA, UT, etc.)

Residents of certain states may also have rights to access, delete, correct, or opt out of targeted advertising or certain data uses. Contact us and note your state of residence.

10.3 EU/EEA/UK (GDPR) – If Applicable

If you are located in the European Economic Area, United Kingdom, or similar jurisdiction, you may have data subject rights (access, rectification, erasure, portability, restriction, objection, and automated decision rights). We act as a data controller for website inquiries and as a data processor in some funding partner relationships. Contact us to exercise rights.

11. Data Security

We use administrative, technical, and physical safeguards designed to protect the confidentiality, integrity, and availability of information, including:

  • Encrypted transmission (HTTPS) where available

  • Access controls & authentication

  • Role-based data permissions

  • Secure document storage (encrypted at rest where supported)

  • Vendor due diligence and data processing agreements No system is 100% secure; please use caution when transmitting sensitive data.

12. Data Retention

We retain information as long as necessary to:

  • Evaluate funding eligibility

  • Maintain business and legal records

  • Comply with contractual obligations and law (e.g., record retention, audit, tax) We may anonymize or aggregate data for analytics after operational use concludes.

13. Complaint Handling & Escalation

If you have a privacy-related complaint:

  1. Email Funding@pristinefactors.com (subject: Privacy Complaint).

  2. We acknowledge receipt within 3 business days.

  3. Investigation typically concludes within 30 days (or we will notify you if more time is required).

  4. If unresolved, you may escalate to our Compliance Officer at [Insert Escalation Email] or applicable regulator (instructions provided upon request).

14. Children’s Privacy

Our Services are intended for business use and are not directed to children under 13. We do not knowingly collect personal information from children under 13. If we learn we have done so, we will delete it.

15. International Transfers

If you access our Services from outside the United States, your information may be transferred to and processed in the U.S., where data protection laws may differ from those in your jurisdiction. By using our Services, you consent to these transfers, subject to applicable law.

16. Do Not Track Signals

Some browsers transmit “Do Not Track” (DNT) signals. Because there is no uniform industry standard, we do not currently respond to DNT signals. We will revisit this approach if standards emerge.

17. Changes to This Privacy Policy

We may update this Policy from time to time. When we do, we will revise the “Effective Date” above and post the updated version on our website. Material changes may be communicated by email or banner notice.

 

 

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