Privacy Policy

Last Updated: March 31, 2026

Business & Financial Consultants LLC ("we," "us," or "our") 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.

1. Information We Collect

Personal Information

We may collect personally identifiable information that you voluntarily provide to us when you:

• Fill out a contact form or inquiry
• Apply for financing or lending services
• Subscribe to our communications
• Correspond with us via email or other channels

This information may include:

• Name and contact information (email address, mailing address)
• Business information (company name, industry, revenue)
• Financial information necessary to process lending applications
• Any other information you choose to provide

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and usage patterns, including:

• IP address and browser type
• Pages visited and time spent on pages
• Referring website or source
• Device information and operating system

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide customer support
• Process and evaluate lending applications
• Communicate with you about our services, offers, and updates
• Improve our website, services, and customer experience
• Comply with legal obligations and enforce our policies
• Prevent fraud and enhance security

3. SMS & Text Message Communications

If you opt in to receive SMS or text messages from Business & Financial Consultants LLC, you expressly consent to receive recurring marketing and promotional SMS/MMS messages, including offers, updates, and information about our financial products and services. These messages may be sent using an automated telephone dialing system (ATDS).

Message Frequency: Message frequency varies; you may receive up to 4 messages per month.

Charges: Message and data rates may apply. Standard messaging rates from your mobile carrier will apply.

Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP to any message. After opting out, you will receive one final confirmation message.

Help: For assistance, reply HELP to any message or contact us at richard@business-financial-consultants.com.

Consent Not Required: Consent to receive SMS messages is NOT a condition of purchase or use of our services. You may choose to communicate with us through other channels.

Mobile Information Sharing: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

4. How We Share Your Information

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

• Service Providers: We may share information with trusted third-party service providers who assist us in operating our website, conducting business, or servicing you (e.g., payment processors, underwriting partners), provided they agree to keep this information confidential.
• Legal Compliance: We may disclose your information if required by law or in response to valid requests by public authorities (e.g., court orders, subpoenas).
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
• With Your Consent: We may share your information for any other purpose with your explicit consent.

5. Data Security

We implement reasonable administrative, technical, and physical security 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.

6. Your Privacy Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

• The right to access and receive a copy of your personal information
• The right to correct or update inaccurate information
• The right to request deletion of your information
• The right to opt out of certain data processing activities

To exercise any of these rights, please contact us at richard@business-financial-consultants.com.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete that information.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on this page with a revised "Last Updated" date. Your continued use of our services after such changes constitutes your acceptance of the updated policy.

10. Contact Us

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

Business & Financial Consultants LLC
1314 N Old North Place
Sand Springs, OK 74063
Email: richard@business-financial-consultants.com