We take your privacy seriously. Here's exactly how we handle your information.
At Lightning Advance LLC, we're committed to keeping our clients' information safe and being transparent about how we collect and use your data. This Privacy Policy applies to all individuals and businesses who access our website at lightningadvance.com or use any of our services. Please also review our Terms of Service for more information about how we operate.
We collect personally identifiable information ("PII") from you through your use of our website and services. PII is information that is linked or reasonably linkable to an identified or identifiable individual. We collect the following types of information:
When you apply for services, fill out a form, or contact us, you may provide:
When you visit our website, we may automatically collect:
We may receive information about you from third parties, including:
We use the information we collect to provide, operate, and improve our services. Specifically, we use your information to:
Like many websites, we use cookies and similar tracking technologies (including pixels and web beacons) to enhance your experience and analyze website performance.
You can block or delete cookies through your browser settings. Visit aboutcookies.org for instructions specific to your browser. Note that disabling cookies may affect the functionality of some features on our site.
Some browsers include a "Do Not Track" feature. Our website does not currently respond to Do Not Track signals, as there is no uniform standard for how browsers communicate this preference.
You may contact us to access, review, or request correction of any personal information we hold about you. We will respond to reasonable requests within 30 days.
To opt out of marketing emails, click the unsubscribe link in any marketing email we send, or contact us directly at the information provided below. You may still receive transactional communications related to active services.
If you have provided your mobile number and consented to SMS communications, you may opt out at any time by replying STOP to any message we send. Message and data rates may apply.
We maintain commercially reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of data transmission over the internet or electronic storage system is 100% secure.
While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any credentials or sensitive access information you share with us.
We retain your personal and business information for as long as necessary to provide our services, maintain our business records, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods may vary depending on the nature of the information and applicable regulatory requirements.
When information is no longer required for these purposes, we will securely destroy, delete, or de-identify it in accordance with our internal data retention policies.
In connection with certain services, we may access your consumer credit report from one or more consumer reporting agencies, including Experian, Equifax, and/or TransUnion. We do so only pursuant to your written authorization and in compliance with the Fair Credit Reporting Act (FCRA).
Under the FCRA, you have the right to:
For more information about your rights under the FCRA, visit the Consumer Financial Protection Bureau at consumerfinance.gov.
Our website or communications may contain links to third-party websites or services. We are not responsible for the privacy practices, content, or data policies of those third-party sites. We encourage you to review the privacy policies of any external websites you visit. The presence of a link on our site does not constitute an endorsement of that site.
Our website and services are intended exclusively for business owners and adults 18 years of age or older. We do not knowingly collect, use, or disclose personal information from individuals under the age of 18. If we become aware that we have inadvertently collected information from a minor, we will take prompt steps to delete such information. If you believe we may have collected information from a minor, please contact us immediately using the information below.
Depending on applicable law and your state of residence, you may have the following rights with respect to your personal information:
Request details about what personal information we collect, use, and share about you.
Request a copy of the specific personal information we have collected about you.
Request correction of inaccurate or incomplete personal information we hold.
Request deletion of your personal information, subject to legal and contractual obligations.
Opt out of marketing communications or certain data sharing at any time.
We will not retaliate against you for exercising any of your privacy rights.
To exercise any of these rights, please contact us at the information provided below. We will verify your identity before processing your request and respond within 30 days.
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, provide additional notice to active clients via email or a notice on our website.
Your continued use of our website or services after any changes to this Privacy Policy constitutes your acceptance of those changes. We encourage you to review this Policy periodically.
This Privacy Policy is governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes relating to this Privacy Policy shall be resolved in accordance with the dispute resolution provisions in our Terms of Service.
For questions, concerns, or requests related to this Privacy Policy or our data practices, please contact us:
Lightning Advance LLC
A brand of Marcos Cruz Adviser LLC
Email: info@lightningadvance.com
Phone: (929) 458-1456
New York, NY