Privacy Policy

Overview

This Privacy Policy describes how The Syndicate ("The Syndicate," "we," "us," or "our") collects, uses, discloses, and safeguards personal information when you access or use our website and services (the "Services").

The Syndicate operates as a financial technology marketplace and is not a lender. This distinction is important to how your data is handled.

1. Information We Collect

Personal Information You Provide

We collect personal information you voluntarily provide, including:

• Name
• Email address
• Phone number
• Mailing address
• Business information
• Account login credentials
• Communication preferences

Sensitive Information

In limited circumstances and only as necessary, we may collect or transmit certain sensitive information on behalf of participating lenders, such as:

• Financial information
• Credit-related information
• Government identifiers (e.g., SSN), when required by a lender

The Syndicate does not use this information to make credit decisions and does not underwrite loans.

2. How We Use Your Information

We process information to:

• Facilitate account creation and platform access
• Collect and transmit information to participating lenders at your request
• Provide customer support
• Communicate administrative or service-related messages
• Improve platform performance and security
• Comply with legal obligations

3. Sharing of Personal Information

Participating Lenders & Providers

Information is shared only at your request to enable lenders to evaluate funding options. Lenders operate independently and maintain their own privacy practices.

Service Providers

Including technology, analytics, communications, and hosting providers.

Business Transfers

In connection with a merger, acquisition, or sale of assets.

The Syndicate does not sell personal information.

Phone Numbers & SMS Communications

We do not sell, rent, or share your phone number with any third party for marketing, advertising, or any other purpose. Phone numbers collected through our platform are used solely for direct communication between The Syndicate and the customer, and are never provided to lenders, partners, or any outside organization.

If you opt in to receive SMS communications, you will receive periodic messages regarding updates, status changes, and customer support. Standard message frequency will not exceed 2–3 messages per week unless you request more frequent communications. Message and data rates may apply. For additional SMS terms or to manage your preferences, reply HELP to any message or contact us using the details below.

4. Cookies & Tracking Technologies

We use cookies and similar technologies for functionality, analytics, and performance.

Cookies are not used for underwriting or credit decisions.

5. Artificial Intelligence & Automation

The Syndicate uses AI-enabled tools to assist with:

• Information collection
• User support (chatbots)
• Submission routing based on lender criteria

AI does not make credit decisions, approvals, or pricing determinations. All underwriting decisions are made by participating lenders.

6. Data Retention

We retain personal information only as long as necessary to:

• Provide Services
• Meet legal and regulatory requirements
• Resolve disputes

When retention is no longer required, data is securely deleted or anonymized.

7. Data Security

We implement reasonable administrative, technical, and organizational safeguards designed to protect personal information. No system is completely secure, and we cannot guarantee absolute security.

8. Children's Privacy

Our Services are intended for individuals 18 years of age or older. We do not knowingly collect data from minors.

9. Your Privacy Rights

Depending on your location, you may have rights to:

• Access your data
• Correct inaccurate data
• Request deletion
• Withdraw consent

Requests can be made using the contact details below.

California Privacy Rights (CCPA / CPRA)

California residents have the right to:

• Know what personal information is collected
• Request deletion or correction
• Opt-out of sale or sharing of personal information

The Syndicate does not sell or share personal information.

10. Contact Us

If you have questions about this Privacy Policy, contact:

The Syndicate 1065 SW 8th St, #2511 Miami, FL 33130 Phone: 1-888-571-8458 Email: info@lightspeedbusinessfunding.ai