Privacy Policy

01. Information We Collect

Depending on how you interact with us, we may collect:

• Contact information, such as your name, business email, telephone number, mailing address, and communication preferences.
• Business information, such as your legal business name, industry, ownership details, time in business, annual revenue, requested financing amount, and intended use of funds.
• Financial and application information, such as bank statements, tax returns, income, assets, liabilities, outstanding debts, payment history, property information, mortgage information, and other documents needed to evaluate or arrange financing.
• Identity and credit information, which may include your date of birth, government-issued identification, Social Security number, taxpayer identification number, and credit information. We obtain credit reports only when authorized or otherwise permitted by law.
• Communications, including information submitted through our forms and records of calls, emails, text messages, and other correspondence.
• Website information, such as your IP address, browser, device, pages viewed, referral source, and interactions with our website, emails, and advertisements.

We may collect information directly from you and, where legally permitted, from business partners, referral sources, lenders, credit reporting agencies, identity-verification providers, public records, and other service providers.

02. How We Use Information

We may use your information to:

• Respond to inquiries and provide requested services.
• Review financing needs and match applicants with potential lenders or financing providers.
• Process, underwrite, verify, and administer applications for business loans, SBA loans, term loans, lines of credit, equipment financing, mortgages, DSCR loans, and commercial real-estate financing.
• Verify identity, creditworthiness, ownership, income, property, and application information.
• Communicate about applications, available products, appointments, documents, and customer support.
• Send marketing emails or text messages when permitted by law and consistent with your choices.
• Operate, secure, analyze, and improve our website and services.
• Detect fraud, protect our rights, and comply with legal and regulatory obligations.

We do not use Social Security numbers, banking records, tax documents, or similar sensitive financial information for targeted advertising.

03. How We Disclose Information

We may disclose information to:

• Banks, credit unions, mortgage providers, SBA-participating lenders, private lenders, underwriters, loan brokers, and other financing sources that may evaluate or fulfill your request.
• Vendors that support our operations, including website hosting, customer-management, document processing, electronic signature, identity verification, credit reporting, analytics, email, text-messaging, and security providers.
• Accountants, attorneys, auditors, regulators, law-enforcement authorities, or other parties when disclosure is required or appropriate under law.
• A successor organization in connection with a merger, acquisition, financing, reorganization, or transfer of business assets.

Submitting a financing request authorizes us to disclose relevant application information to potential financing providers for the purpose of evaluating and arranging the products or services you requested. Each provider may have its own privacy policy and make its own independent financing decision.

We do not sell personal information for money or disclose sensitive financial information to unrelated third parties for their independent marketing.

04. Text Messages and Email

If you provide your telephone number and consent to receive text messages, Jabi Financial may send transactional messages concerning your inquiry, application, requested services, or account. If you separately consent to marketing messages, we may also send promotions and information about financing products.

Message frequency may vary. Message and data rates may apply. Consent to marketing messages is not a condition of receiving services or financing. Reply STOP to a text message to opt out or HELP for assistance. You may unsubscribe from marketing emails using the link included in the email.

Opting out of marketing will not prevent communications that are necessary to respond to or service an existing request.

Mobile telephone numbers and text-message opt-in records will not be sold or disclosed to third parties for their independent marketing. They may be provided to vendors that deliver messages or provide support on our behalf.

05. Cookies and Online Advertising

We and our service providers may use cookies and similar technologies to operate the website, remember preferences, measure traffic, improve performance, and understand marketing effectiveness.

Some analytics or advertising technologies may be treated as a “sale,” “sharing,” or use for targeted advertising under certain state laws. Where applicable, you may request to opt out by contacting us using the information below or by using any cookie-preference tool made available on our website.

06. Data Security and Retention

We use reasonable administrative, technical, and physical safeguards designed to protect personal and financial information. Nevertheless, no website, transmission, or storage system can be guaranteed completely secure.

We retain information for as long as reasonably necessary to provide services, manage our business relationships, satisfy legal and regulatory requirements, resolve disputes, prevent fraud, and enforce agreements. Retention periods depend on the information involved and the applicable legal requirements.

07. Your Privacy Rights

Depending on your state of residence and subject to legal exceptions, you may have the right to request access to, correction of, or deletion of personal information; receive a portable copy; or opt out of certain sales, sharing, targeted advertising, or profiling.

To submit a request, email info@jabifinancial.com or call (305) 564-1077. We may need to verify your identity before completing a request. We will not unlawfully discriminate against you for exercising a privacy right.

Certain financial information may be governed by federal financial-privacy laws and may be exempt from some state privacy rights. Where required, Jabi Financial may provide an additional financial privacy notice explaining its practices and any available opt-out rights.

08. Children’s Privacy

Our website and financing services are intended for adults and businesses. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided information to us, please contact us so we can address it.

09. Third-Party Websites

Our website may contain links to third-party websites. Jabi Financial is not responsible for the privacy, security, or content practices of those third parties. We encourage you to review their privacy policies.

10. Changes to This Policy

We may update this Privacy Policy to reflect changes in our services, practices, or legal obligations. The revised policy will be posted on this page with an updated effective date.

11. Contact Us

Questions, privacy requests, or marketing opt-out requests may be directed to: