Privacy Policy

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Privacy Policy
Effective Date: January 1, 2025

4Fi LLC, 4FiMD LLC, and their affiliates (collectively referred to as “we,” “our,” or “us”) are committed to safeguarding your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your information when you engage with our websites, platforms, services, and offerings. By accessing or using our services, you agree to the terms and practices outlined in this Privacy Policy.

Definitions

• Private Lender: An individual or entity that provides loans using their own capital, typically outside traditional financial institutions such as banks. Private lenders may offer customized financing solutions and are subject to applicable legal and regulatory requirements.
• Personal Information: Any information that identifies, relates to, describes, or is reasonably capable of being associated with an individual, such as name, address, email, phone number, Social Security number, financial account details, and transaction history.
• Non-Personal Information: Information that does not identify a specific individual, such as aggregated data, anonymized information, and statistical summaries.

Information We Collect
We may collect the following types of information from and about you:

Personal Information:

• Identification details (e.g., name, address, date of birth, Social Security number).
• Contact information (e.g., phone number, email address).
• Financial information (e.g., income, banking details, credit history).
• Information provided during loan applications, inquiries, or account setup.

Non-Personal Information:

• Browser and device details (e.g., IP address, operating system, browser type).
• Usage data, including website interactions, clicks, and navigation history.
• Aggregated demographic information and anonymized data sets.

Information From Third Parties:
We may collect additional information from credit bureaus, financial institutions, publicly available sources, and third-party service providers for creditworthiness verification, identity verification, and fraud prevention.

How We Use Your Information
The information we collect is used to:

• Process and manage loan applications and agreements.
• Provide customer support and address inquiries.
• Ensure compliance with legal and regulatory requirements, including fraud prevention.
• Conduct marketing activities, including sending promotional materials, offers, and updates.
• Improve services through data analysis, research, and new feature development.

Sharing Your Information
We do not sell your personal information. However, we may share it with:

• Affiliates and Subsidiaries: To provide seamless services and joint promotional opportunities.
• Service Providers: Third-party vendors supporting our operations, such as payment processing and IT support.
• Regulatory Authorities: To comply with legal obligations and lawful requests.
• Private Lenders: To facilitate financing when we act as an intermediary.
• With Your Consent: For any purposes not outlined above, with your explicit consent.

Data Security
We employ industry-standard security measures to protect your information, including encryption, access controls, and regular audits. While we strive to safeguard your data, no system is completely secure, and we cannot guarantee absolute security.

Your Rights and Choices
Depending on your jurisdiction, you may have the right to:

• Access your personal information and request it in a portable format.
• Correct inaccurate or incomplete personal information.
• Request deletion of your personal information, subject to legal obligations.
• Restrict or opt-out of certain data processing activities, including marketing communications.

To exercise these rights, please contact us at [email protected].

Cookies and Tracking Technologies
We use cookies and similar technologies to:

• Enhance user experience and website functionality.
• Analyze traffic and usage patterns.
• Deliver personalized content and advertisements.

You can manage your cookie preferences through browser settings. Note that disabling cookies may impact website functionality.

Third-Party Links
Our websites may contain links to third-party websites. We are not responsible for their privacy practices or content. Please review the privacy policies of these external sites.

Children’s Privacy
Our services are intended for individuals 18 years of age or older. We do not knowingly collect personal information from children under 18. If we become aware of such information, we will delete it promptly.

Policy Updates
We reserve the right to update this Privacy Policy at any time. Changes will take effect upon posting on our websites. Your continued use of our services constitutes acceptance of the updated policy. Please review this policy periodically.

Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:

4Fi LLC
1309 Coffeen Ave, Sheridan WY 82801
[email protected]
800.390.4254

By accessing or using our services, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.