Privacy Policy
How Affirm Consult collects, uses, and protects your personal information.
1. Introduction
Affirm Consult LLC ("Affirm Consult," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, use our services, or communicate with us.
By accessing our website or engaging our services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services or submit personal information to us.
2. Information We Collect
We may collect the following categories of personal information:
- Contact Information: Name, email address, phone number, mailing address.
- Professional Information: Company name, job title, industry, and business interests.
- Financial Information: Income, credit profile details, asset information, and loan inquiry data — collected solely for the purpose of evaluating loan eligibility and providing financial advisory services.
- Property Information: Property address, type, estimated value, and intended use — when relevant to consulting or loan services.
- Communications: The content of messages, emails, or forms you submit to us.
- Technical Data: IP address, browser type, device information, pages visited, and referring URLs — collected automatically via cookies and analytics tools.
- Marketing Preferences: Your preferences regarding marketing communications.
3. How We Use Your Information
We use the information we collect for the following purposes:
- To provide, operate, and improve our consulting and loan advisory services.
- To respond to your inquiries and schedule consultations.
- To evaluate loan eligibility and connect you with appropriate financing programs.
- To send you relevant information about our services, market insights, and promotional content — with your consent where required.
- To comply with legal and regulatory obligations.
- To prevent fraud and protect the security of our systems and users.
- To analyze usage patterns and improve website functionality.
4. Legal Basis for Processing (Where Applicable)
Where applicable law requires a legal basis for processing personal data, we process your information on the following grounds:
- Contract: Processing necessary to provide the services you requested.
- Consent: Processing based on your explicit consent, which you may withdraw at any time.
- Legitimate Interests: Processing necessary for our legitimate business interests, where these interests are not overridden by your rights.
- Legal Obligation: Processing required to comply with applicable laws and regulations.
5. Disclosure of Your Information
We do not sell your personal information. We may share your information in the following circumstances:
- Lending Partners: For clients pursuing loan services, we may share relevant financial and property information with licensed lending institutions to facilitate loan evaluation and origination.
- Service Providers: Third-party vendors who assist us in operating our website, conducting analytics, sending communications, or providing professional services — subject to confidentiality obligations.
- Professional Advisors: Attorneys, accountants, or auditors as necessary for legal, accounting, or compliance purposes.
- Legal Requirements: When required by law, court order, or government authority, or to protect our rights and the safety of our clients and the public.
- Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
6. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your experience. Cookies are small data files placed on your device. We use:
- Essential Cookies: Required for the website to function properly.
- Analytics Cookies: To understand how visitors use our website and improve performance (e.g., Google Analytics).
- Marketing Cookies: To deliver relevant advertising and track campaign effectiveness — only with your consent.
You may manage cookie preferences through your browser settings. Disabling certain cookies may affect website functionality.
7. Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial and loan-related records are retained in accordance with applicable regulatory requirements.
8. Security
We implement industry-standard technical, administrative, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.
9. Your Rights
Depending on your jurisdiction, you may have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you.
- Correction: Request that we correct inaccurate or incomplete information.
- Deletion: Request deletion of your personal information, subject to legal retention requirements.
- Opt-Out: Opt out of marketing communications at any time by clicking "unsubscribe" in any email or contacting us directly.
- Data Portability: Request a machine-readable copy of your data where applicable.
- Restriction: Request that we restrict processing of your data in certain circumstances.
To exercise these rights, contact us at privacy@affirmconsult.org or via our Contact page. We will respond within 30 days.
10. California Privacy Rights (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete personal information, and the right to opt out of the sale of personal information (we do not sell personal information). To submit a request, contact us as described in Section 9.
11. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.
12. 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 you believe we have inadvertently collected such information, please contact us immediately.
13. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. We will post the revised policy on this page with an updated effective date. Material changes will be communicated via email or a prominent notice on our website. Your continued use of our services after such changes constitutes acceptance of the revised policy.
14. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
- Affirm Consult LLC
- Email: privacy@affirmconsult.org
- Mailing: 1601-1 N Main St #3159, Jacksonville, FL 32206
- Phone: (Add your phone here)