Legal

Privacy Policy

LedgerCore Financial Inc  |  Effective Date: January 1, 2025  |  Last Updated: January 1, 2025
Summary This Privacy Policy explains how LedgerCore Financial Inc ("LedgerCore," "we," "our," or "us") collects, uses, shares, and protects your personal information when you use our website at ledgercorefinancial.com, submit an application, or communicate with us. Please read this policy carefully.

1. Company Information

LedgerCore Financial Inc is a direct business lender registered in the State of Texas.

2. Information We Collect

2.1 Information You Provide Directly

When you submit a funding application, contact us, or interact with our website, we may collect:

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain technical information, including:

3. How We Use Your Information

We use the information we collect for the following purposes:

4. Text Messaging (SMS/MMS) Communications

SMS Program Description

LedgerCore Financial Inc operates an SMS/MMS messaging program to communicate with customers and prospects who have provided express written consent to receive text messages from us.

Message Types: We may send recurring marketing and promotional SMS/MMS messages, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).

Message Frequency: Message frequency varies; you may receive up to 4 messages per month.

Message and Data Rates: Message and data rates may apply. Standard carrier message and data rates apply to all messages sent and received.

Opt-Out: Reply STOP to opt out at any time. After sending STOP, you will receive a one-time confirmation message and no further SMS messages will be sent to your number.

Help: Reply HELP for assistance, or contact us at mark@ledgercorefinancial.com.

Consent is NOT a condition of purchase. You are not required to consent to receive SMS messages to apply for or receive any funding product from LedgerCore Financial Inc.

Supported Carriers: Major U.S. wireless carriers. Carrier support may vary.

5. Information Sharing and Disclosure

No mobile information will be shared with third parties/affiliates for marketing/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.

We may share your personal information only in the following limited circumstances:

5.1 Service Providers

We may share information with carefully selected third-party service providers who assist us in operating our business, including technology vendors, data processing services, and compliance platforms. These providers are contractually bound to protect your information and may not use it for their own purposes.

5.2 Legal Requirements

We may disclose your information when required by law, subpoena, court order, or other legal process; to protect the rights, property, or safety of LedgerCore Financial Inc, our clients, or the public; or to investigate potential fraud or violations of our terms.

5.3 Business Transfers

In the event of a merger, acquisition, or sale of all or substantially all of our assets, your information may be transferred as part of that transaction, subject to the same privacy protections described herein.

5.4 Consent

We may share your information in any other circumstances for which you have provided explicit consent.

6. Data Security

We implement industry-standard technical and organizational security measures designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

While we take reasonable steps to protect your information, no security system is impenetrable. We cannot guarantee that unauthorized third parties will never be able to defeat our security measures.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance user experience, analyze traffic, and improve our services. You may configure your browser to refuse cookies, though some features of our website may not function properly as a result.

We may use:

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, regulatory, accounting, or reporting requirements. Funding application data is typically retained for a minimum of seven (7) years in accordance with financial recordkeeping requirements.

9. Your Privacy Rights

Depending on your state of residence, you may have certain rights regarding your personal information, including:

To exercise any of these rights, please contact us at mark@ledgercorefinancial.com or by mail at 3824 Cedar Springs Rd, Unit 380, Dallas, TX 75219.

10. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). We do not sell personal information as defined under California law. For a full list of categories of personal information collected and your rights as a California resident, please contact us.

11. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately and we will take steps to delete it.

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party site you visit.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of our website or services after any changes constitutes acceptance of the updated policy.

14. Contact Us

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