Privacy Policy

Last Updated: March 31, 2026

Dollars And Cents LLC ("we," "us," "our," or "Company") 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

We collect information that you provide directly to us, including:

• Personal Information: Name, email address, phone number, business name, and mailing address
• Business Information: Industry, revenue, time in business, funding needs
• Financial Information: Bank statements, tax returns, and other financial documents submitted with funding applications
• Communication Data: Records of correspondence, including emails and messages

Automatically Collected Information

When you access our website, we may automatically collect certain information, including:

• IP address and device information
• Browser type and operating system
• Pages visited and time spent on our site
• Referring website addresses

2. How We Use Your Information

We use the information we collect for the following purposes:

• Processing and evaluating funding applications
• Communicating with you about our products and services
• Providing customer support and responding to inquiries
• Improving our website, products, and services
• Complying with legal and regulatory requirements
• Detecting and preventing fraud or unauthorized access
• Sending marketing communications (with your consent)

3. SMS & Text Message Communications

Message Frequency and Rates

• Frequency: Message frequency varies. You may receive up to 4 messages per month.
• Charges: Message and data rates may apply based on your mobile carrier's plan.

Opt-Out and Help

• Opt-Out: Reply STOP to any message to opt out at any time. You will receive a confirmation message upon opting out.
• Help: Reply HELP for assistance or contact us at joshua@dollars-and-cents.com.

Consent and Conditions

Consent is NOT a condition of purchase. You can access our products and services without agreeing to receive text messages.

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. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. We may share your information in the following limited circumstances:

• Service Providers: With trusted vendors who assist us in operating our business (e.g., payment processors, data analytics)
• Legal Compliance: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Fraud Prevention: To protect against fraud, unauthorized transactions, or other illegal activities

Third-party service providers are contractually obligated to protect your information and use it only for the purposes we specify.

5. Data Security

We implement industry-standard security measures to protect your personal and financial information, including:

• Encryption of sensitive data in transit and at rest
• Secure servers and firewalls
• Restricted access to personal information on a need-to-know basis
• Regular security audits and updates

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Opt-Out: Opt out of marketing communications at any time

To exercise these rights, please contact us at joshua@dollars-and-cents.com.

7. Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to enhance your experience on our website. You can control cookie preferences through your browser settings. Disabling cookies may limit certain features of our site.

8. 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 their privacy policies before providing any personal information.

9. 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, we will take steps to delete it promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The "Last Updated" date at the top of this page indicates when the policy was last revised. We encourage you to review this policy periodically.

11. Contact Us

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

Dollars And Cents LLC
5275 Capistrano Ave
Atascadero, CA 93422
Email: joshua@dollars-and-cents.com