BusinessFundingApplication

1Who we are

Credit Stacking LLC helps business owners explore business funding options, including credit card stacking. We are a referral and marketing partner: we are not a lender, and we do not make credit decisions. Any funding is provided by independent lenders under their own terms.

Our address is E Shetland St, Queen Creek, AZ 85142.

2Information we collect

Information you give us when you complete the application or contact us:

• Contact details: your first and last name, email address and phone number.
• Business details: your business name, whether you are starting or already operate a business, industry, how long you have operated, and approximate or projected revenue.
• Funding details: the amount you are seeking, what the funds will be used for, and when you need them.
• Self-reported financial profile: your FICO score range, the length of your credit history, and your annual household income range. These are ranges you choose; we do not receive your credit report.
• Your choices: your acknowledgement of our disclosures and whether you opted in to marketing emails.

Information collected automatically when you use the site:

• Device and usage data such as your IP address, browser type, pages viewed, the time and date of your visit, and the website or campaign that referred you (for example a campaign or landing-page identifier).
• Cookies and similar technologies, described in the "Cookies and analytics" section below.
• A temporary session identifier saved in your browser so we can show your result again if you refresh the page. It does not contain your answers.

Information from service providers, such as confirmation that an appointment you scheduled was booked.

What we do not collect: we never ask for your Social Security number, date of birth, bank account or login details, payment card numbers, credit bureau usernames or passwords, or security answers through this website. Please do not enter them in any field. We do not perform a credit check through this website; if a credit review is ever needed, it will happen separately and only with your clear authorization.

3How we use your information

We use your information to:

• Review your answers and show you a preliminary result about which funding path may fit your business.
• Contact you about your application, including by email and, where you provide a number, by phone, and help you schedule an appointment.
• Match you with, or refer you to, lenders and other partners that may be able to help, as described in "How we share information".
• Send helpful tips and updates, only if you opted in. You can opt out at any time.
• Operate, secure, test and improve our website, and understand which campaigns bring visitors to us.
• Prevent fraud and abuse, enforce our terms, and meet legal and regulatory obligations.

4Preliminary results

The result you see after submitting the application is produced by automated rules applied to the information you provided. It is preliminary and based on self-reported ranges. It is not a credit approval, a lending decision or a guarantee of funding, and some applications are reviewed by a member of our team. Lenders make their own decisions and may require additional information or verification.

5How we share information

We do not sell your personal information. We share it only as follows:

• Service providers that help us run our business, such as website hosting, customer-relationship management, email and messaging, appointment scheduling, and analytics. They may use your information only to provide services to us.
• Lenders and referral partners, when you choose to move forward or when we refer you to a program we believe may suit you (for example a business-funding education resource or a credit-building service). They use your information under their own privacy policies.
• Professional advisers, regulators, courts or law enforcement when required by law or to protect rights, safety and security.
• A successor, in connection with a merger, financing, sale of assets or similar transaction.
• Others with your consent or at your direction.

6Cookies and analytics

We and our providers use cookies and similar technologies to keep the site working, remember your preferences, measure traffic and understand how visitors use our pages. We use Google Tag Manager to manage measurement tags. The data collected for these purposes is aggregated or pseudonymous and does not include the answers you type into the application.

You can control cookies through your browser settings, including blocking or deleting them. Some features may not work as intended if you do.

7Marketing communications

If you opt in, we may send you emails with funding tips and updates. Every marketing email includes an unsubscribe option, and you can also tell us directly that you no longer wish to receive them. Opting out of marketing does not stop messages we need to send about your application.

8How long we keep information

We keep information for as long as needed to provide our services, follow up on your request, meet legal, tax and accounting obligations, resolve disputes and enforce our agreements. When it is no longer needed, we delete it or de-identify it.

9Security

We use administrative, technical and physical safeguards designed to protect your information, including encrypted connections (HTTPS), restricted access and keeping sensitive credentials on our servers rather than in your browser. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

10Your choices and rights

Depending on where you live, you may have the right to:

• Know what personal information we collect, use and disclose, and request a copy of it.
• Correct information that is inaccurate or incomplete.
• Request deletion of your personal information, subject to legal exceptions.
• Opt out of marketing communications, and of any sale or sharing of personal information for targeted advertising.
• Not be treated unfairly for exercising these rights.

To make a request, contact us using the details below. We may need to verify your identity before acting on it, and you may use an authorized agent where the law allows.

11Children's privacy

Our website is intended for business owners and is not directed to anyone under 18. We do not knowingly collect information from children. If you believe a child has provided information, contact us and we will delete it.

12Third-party websites

Our site may link to or embed third-party content, such as maps, scheduling pages and partner websites. We are not responsible for their content or privacy practices, and we encourage you to read their policies.

13Changes to this policy

We may update this Privacy Policy from time to time. The effective date above shows when it was last changed. If we make material changes, we will take reasonable steps to let you know, and your continued use of the site means you accept the updated policy.

14Contact us

If you have questions or requests about this Privacy Policy, write to us at Credit Stacking LLC, E Shetland St, Queen Creek, AZ 85142.