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Privacy Policy

Effective Date: [Insert Date]
Company Name: Open Road financing
Website: openroadfinancing.com

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1. INTRODUCTION

[Company Name] (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, submit loan inquiries, apply for financing, or otherwise interact with us.

By using our services or website, you consent to the practices described in this Privacy Policy.

If you do not agree, discontinue use immediately.

2. INFORMATION WE COLLECT

We collect information necessary to evaluate financing opportunities, comply with regulatory obligations, and operate our business.

A. Personal Information

  • Full name

  • Phone number

  • Email address

  • Mailing address

  • Date of birth

  • Social Security Number (when required for underwriting)

  • Government-issued identification

  • Employment information

  • Income documentation

  • Bank statements

  • Credit history and credit score

  • Property details

  • Entity information (LLC, corporation, etc.)

B. Automatically Collected Information

  • IP address

  • Browser type

  • Device information

  • Pages visited

  • Time spent on website

  • Referring URLs

  • Cookies and tracking data

C. Third-Party Information

We may receive information from:

  • Credit bureaus

  • Background check providers

  • Fraud detection services

  • Public records databases

  • Marketing platforms

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3. HOW WE USE YOUR INFORMATION

We use collected information to:

  • Evaluate loan and investment applications

  • Verify identity and prevent fraud

  • Perform underwriting and risk analysis

  • Comply with federal and state regulations

  • Service loans

  • Communicate regarding applications or transactions

  • Improve our website and services

  • Conduct internal audits and risk management

  • Enforce contracts and legal rights

We do not sell personal information.

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4. SHARING OF INFORMATION

We may share information only as necessary and permitted by law, including:

  • With lenders, capital partners, or funding sources

  • With loan servicers

  • With credit reporting agencies

  • With regulatory agencies

  • With legal counsel

  • With service providers under confidentiality agreements

  • In connection with mergers, acquisitions, or asset sales

  • To comply with subpoenas or legal process

We require third parties to safeguard your information.

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5. DATA SECURITY

We implement administrative, technical, and physical safeguards designed to protect your information, including:

  • Encrypted data transmission (SSL)

  • Secure server hosting

  • Role-based internal access controls

  • Password-protected systems

  • Secure document storage

However, no transmission over the internet can be guaranteed 100% secure. You acknowledge this inherent risk.

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6. RETENTION OF INFORMATION

We retain personal information:

  • As long as necessary to fulfill the purposes outlined

  • As required by federal and state law

  • To comply with record retention regulations

  • To resolve disputes or enforce agreements

Retention periods may extend beyond the termination of your relationship with us.

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7. COOKIES AND TRACKING

We use cookies and tracking technologies to:

  • Improve user experience

  • Analyze website traffic

  • Support marketing campaigns

  • Measure advertising effectiveness

You may disable cookies through browser settings, though functionality may be limited.

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8. YOUR RIGHTS

Depending on your state of residence, you may have rights to:

  • Request access to personal data

  • Request correction of inaccurate information

  • Request deletion (subject to regulatory retention requirements)

  • Opt-out of certain data uses

Requests must be submitted in writing to:
[Insert Contact Email]

Identity verification may be required before processing requests.

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9. CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)

If you are a California resident, you may have additional rights under California law, including:

  • Right to know what information is collected

  • Right to request deletion

  • Right to opt out of data sale (we do not sell personal data)

  • Right to non-discrimination

Submit requests to: [Insert Contact Email]

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10. CHILDREN’S PRIVACY

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors.

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11. EXTERNAL LINKS

Our website may contain links to third-party sites. We are not responsible for their privacy practices. Review their policies separately.

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12. CHANGES TO THIS POLICY

We reserve the right to modify this Privacy Policy at any time. Updates will be posted on this page with a revised effective date.

Continued use of our services after updates constitutes acceptance.

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