Privacy Policy

1. Introduction and Scope

This Privacy Policy describes how Opulend LLC ("Opulend," "we," "us," or "our") collects, uses, stores, shares, and protects information obtained from individuals and businesses who visit our website at opulend.io (the "Site"), submit funding applications, engage with our communications, or become clients of Opulend.

By accessing the Site, submitting any form or application, interacting with any Opulend communication — including SMS, email, or phone — or engaging with Opulend as a client, you consent to the data practices described in this Privacy Policy. This Policy is incorporated by reference into Opulend's Terms of Service and should be read in conjunction with those Terms.

This Policy applies to information collected directly by Opulend. It does not govern the data practices of third-party lenders, SBA-affiliated institutions, or other partners to whom you may be connected through Opulend's services.

2. Information We Collect

2.1 Personal and Business Information

In connection with funding applications and client services, Opulend collects:

• Full legal name, business name, and authorized representative information

• Email address, phone number, and mailing address

• Business registration information, EIN/Tax ID, and business structure

• Financial information including bank statements, revenue figures, and business credit data

• Personal credit information, as authorized by you during the application process

• Government-issued identification, as required for identity verification

• Opt-in records, consent timestamps, and channel preferences for all communications

2.2 Non-Personal and Technical Information

When you use the Site, we automatically collect:

• IP address, browser type, device type, and operating system

• Pages visited, time spent on the Site, and navigation patterns

• Referral source and search terms used to reach the Site

• Cookies, web beacons, and similar tracking technologies

2.3 Communications Data

Opulend maintains records of all communications, including:

• Inquiries, messages, and responses submitted via the Site or by phone or email

• Application submissions and document exchanges

• SMS and email interaction records, including delivery, open, and response data

• Recorded phone consultations, where permitted by applicable law and with appropriate notice

3. How We Use Your Information

Opulend uses collected information to:

• Evaluate and process funding applications and connect eligible businesses with appropriate programs

• Communicate with you about your application status, required documents, available programs, and service updates via any channel through which you have interacted with us, including SMS, email, and phone

• Provide credit improvement guidance and advisory services

• Send promotional and informational communications about Opulend's programs, rates, and offerings, subject to your opt- out rights

• Improve and optimize the Site, services, and communications

• Maintain records required for regulatory compliance and audit purposes

• Detect, prevent, and investigate fraud, identity misrepresentation, and unauthorized activity

• Fulfill legal obligations and respond to valid legal process

4. Communications Consent and Opt-In Framework

4.1 Consent by Interaction

By accessing the Site, submitting any form, clicking any link in an Opulend communication, replying to any Opulend email or SMS, or becoming a client of Opulend, you provide affirmative consent to receive communications from Opulend through all channels through which you have interacted, including SMS, email, and phone. This consent is effective upon first meaningful interaction and continues until affirmatively withdrawn.

4.2 SMS Program

By opting in to Opulend's SMS program — through a web form checkbox, verbal confirmation, application submission, or any other interaction that constitutes opt-in — you agree to receive text messages from Opulend for all purposes related to its services, including application updates, consultation reminders, document requests, and promotional communications. Opulend maintains timestamped opt-in records. Message frequency varies. Standard message and data rates may apply.

To opt out of SMS, reply STOP to any Opulend message. You will receive a confirmation, after which no further SMS messages will be sent unless you re-opt-in.

No SMS opt-in data or consent records will be shared with any third party or affiliate for marketing or promotional purposes. SMS delivery subcontractors may receive limited data solely as necessary to deliver messages you have consented to receive. All other use cases exclude SMS originator opt-in data.

4.3 Email Program

By submitting your email address through the Site or any Opulend form, or by communicating with Opulend via email, you consent to receive email communications from Opulend for all purposes related to its services and programs. To opt out of promotional email communications, click the unsubscribe link in any Opulend email or contact us directly at [email protected]. Opt-out requests will be processed promptly. Transactional and legally required communications may continue regardless of marketing opt-out status.

4.4 Help and Support

Reply HELP to any Opulend SMS for assistance, or contact us at [email protected] or (646) 916-9656 during regular business hours.

5. Information Sharing and Disclosure

Opulend does not sell, rent, or trade your personal or business information. We may share information in the following circumstances:

5.1 Banking and Lending Partners

To facilitate funding applications, Opulend shares relevant application data with SBA-approved lenders, private banking partners, and other funding institutions with which you are matched. Such sharing is limited to information necessary to evaluate and process your application and is subject to those institutions' own privacy practices. No SMS opt-in data or consent records are included in such disclosures.

5.2 Service Providers

Opulend engages third-party service providers who support our operations, including:

• CRM and marketing automation platforms (including GoHighLevel)

• SMS aggregators and delivery providers, solely for message delivery purposes

• Payment processors, where applicable

• Analytics and website performance services

All service providers are contractually obligated to handle data confidentially, use it only for the specific services they provide to Opulend, and maintain appropriate security standards. No SMS originator opt-in data or consent records are shared with service providers except aggregators and providers directly responsible for SMS delivery.

5.3 Legal Compliance

Opulend may disclose information when required by applicable law, regulation, court order, or valid legal process, or to protect the rights, property, or safety of Opulend, its clients, or others. We will endeavor to provide notice of such disclosures where legally permissible.

5.4 Business Transfers

In the event of a merger, acquisition, asset sale, or reorganization involving Opulend, user and client information may be transferred as part of that transaction. Any successor entity will be bound by the terms of this Privacy Policy or will provide notice of any material changes.

6. Data Security

Opulend implements and maintains commercially reasonable technical and organizational security measures to protect personal and business information, including:

• Encryption of sensitive data in transit and at rest

• Access controls and authentication mechanisms limiting data access to authorized personnel

• Regular security assessments and system monitoring

• Employee training on data protection and confidentiality obligations

• Incident response and breach notification protocols in compliance with applicable state and federal law

• Secure backup systems and disaster recovery procedures

No method of electronic storage or transmission is 100% secure. While Opulend takes data security seriously and employs commercially acceptable means to protect your information, absolute security cannot be guaranteed. In the event of a data breach affecting your personal information, Opulend will provide notice in accordance with applicable law.

7. Cookies and Tracking Technologies

The Site uses cookies, web beacons, pixel tags, and similar technologies to analyze traffic, understand user behavior, improve site functionality, and measure the effectiveness of our services and communications. You may control cookie settings through your browser. Disabling certain cookies may limit your ability to use features of the Site. By using the Site, you consent to Opulend's use of cookies and tracking technologies as described herein.

8. Data Retention

Opulend retains personal and business information for as long as necessary to fulfill the purposes described in this Policy, to maintain compliance with applicable legal obligations, and to resolve disputes or enforce agreements. Financial and application data submitted in connection with a funding application is retained for a minimum period required by applicable law and regulatory guidance. Upon request, Opulend will advise on applicable retention periods for specific categories of data.

9. Your Rights and Choices

Subject to applicable law, you have the right to:

• Request access to the personal information Opulend holds about you

• Request correction of inaccurate or incomplete information

• Request deletion of your personal information, subject to legal retention obligations

• Opt out of SMS communications by replying STOP

• Opt out of promotional email communications by clicking unsubscribe

• Request information about how Opulend processes your data

• Withdraw consent for future communications, subject to the limitations described in Section 4

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected and how it is used, the right to request deletion, and the right to opt out of the sale of personal information. Opulend does not sell personal information. To exercise any of the above rights, contact us using the information in Section 12.

10. Third-Party Links

The Site may contain links to third-party websites and resources. Opulend is not responsible for the privacy practices or content of those sites and encourages you to review their privacy policies independently. This Privacy Policy applies solely to information collected by Opulend through its own Site and services.

11. Changes to This Privacy Policy

Opulend reserves the right to update this Privacy Policy at any time. The most current version will be posted on the Site with a revised effective date. For material changes, Opulend will provide notice via email or a prominent notice on the Site. Your continued use of the Site or services following any update constitutes your acceptance of the revised Policy.

12. Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws of the State of Delaware, consistent with Opulend LLC's formation as a Delaware limited liability company. Any dispute arising under this Policy shall be resolved in accordance with the dispute resolution provisions set forth in Opulend's Terms of Service.

13. Contact Us

For questions, requests, or concerns regarding this Privacy Policy or Opulend's data practices, please contact:

Opulend LLC

11440 Bayshore Dr N, Miami, FL 33181

1115 Broadway, 12th Floor, New York, NY 10010

Phone: (646) 916-9656

Email: [email protected]

Website: opulend.io

By using this Site or any Opulend service, you confirm your consent to this Privacy Policy.

1. Introduction and Scope

This Privacy Policy describes how Opulend LLC ("Opulend," "we," "us," or "our") collects, uses, stores, shares, and protects information obtained from individuals and businesses who visit our website at opulend.io (the "Site"), submit funding applications, engage with our communications, or become clients of Opulend.

By accessing the Site, submitting any form or application, interacting with any Opulend communication — including SMS, email, or phone — or engaging with Opulend as a client, you consent to the data practices described in this Privacy Policy. This Policy is incorporated by reference into Opulend's Terms of Service and should be read in conjunction with those Terms.

This Policy applies to information collected directly by Opulend. It does not govern the data practices of third-party lenders, SBA-affiliated institutions, or other partners to whom you may be connected through Opulend's services.

2. Information We Collect

2.1 Personal and Business Information

In connection with funding applications and client services, Opulend collects:

• Full legal name, business name, and authorized representative information

• Email address, phone number, and mailing address

• Business registration information, EIN/Tax ID, and business structure

• Financial information including bank statements, revenue figures, and business credit data

• Personal credit information, as authorized by you during the application process

• Government-issued identification, as required for identity verification

• Opt-in records, consent timestamps, and channel preferences for all communications

2.2 Non-Personal and Technical Information

When you use the Site, we automatically collect:

• IP address, browser type, device type, and operating system

• Pages visited, time spent on the Site, and navigation patterns

• Referral source and search terms used to reach the Site

• Cookies, web beacons, and similar tracking technologies

2.3 Communications Data

Opulend maintains records of all communications, including:

• Inquiries, messages, and responses submitted via the Site or by phone or email

• Application submissions and document exchanges

• SMS and email interaction records, including delivery, open, and response data

• Recorded phone consultations, where permitted by applicable law and with appropriate notice

3. How We Use Your Information

Opulend uses collected information to:

• Evaluate and process funding applications and connect eligible businesses with appropriate programs

• Communicate with you about your application status, required documents, available programs, and service updates via any channel through which you have interacted with us, including SMS, email, and phone

• Provide credit improvement guidance and advisory services

• Send promotional and informational communications about Opulend's programs, rates, and offerings, subject to your opt- out rights

• Improve and optimize the Site, services, and communications

• Maintain records required for regulatory compliance and audit purposes

• Detect, prevent, and investigate fraud, identity misrepresentation, and unauthorized activity

• Fulfill legal obligations and respond to valid legal process

4. Communications Consent and Opt-In Framework

4.1 Consent by Interaction

By accessing the Site, submitting any form, clicking any link in an Opulend communication, replying to any Opulend email or SMS, or becoming a client of Opulend, you provide affirmative consent to receive communications from Opulend through all channels through which you have interacted, including SMS, email, and phone. This consent is effective upon first meaningful interaction and continues until affirmatively withdrawn.

4.2 SMS Program

By opting in to Opulend's SMS program — through a web form checkbox, verbal confirmation, application submission, or any other interaction that constitutes opt-in — you agree to receive text messages from Opulend for all purposes related to its services, including application updates, consultation reminders, document requests, and promotional communications. Opulend maintains timestamped opt-in records. Message frequency varies. Standard message and data rates may apply.

To opt out of SMS, reply STOP to any Opulend message. You will receive a confirmation, after which no further SMS messages will be sent unless you re-opt-in.

No SMS opt-in data or consent records will be shared with any third party or affiliate for marketing or promotional purposes. SMS delivery subcontractors may receive limited data solely as necessary to deliver messages you have consented to receive. All other use cases exclude SMS originator opt-in data.

4.3 Email Program

By submitting your email address through the Site or any Opulend form, or by communicating with Opulend via email, you consent to receive email communications from Opulend for all purposes related to its services and programs. To opt out of promotional email communications, click the unsubscribe link in any Opulend email or contact us directly at [email protected]. Opt-out requests will be processed promptly. Transactional and legally required communications may continue regardless of marketing opt-out status.

4.4 Help and Support

Reply HELP to any Opulend SMS for assistance, or contact us at [email protected] or (646) 916-9656 during regular business hours.

5. Information Sharing and Disclosure

Opulend does not sell, rent, or trade your personal or business information. We may share information in the following circumstances:

5.1 Banking and Lending Partners

To facilitate funding applications, Opulend shares relevant application data with SBA-approved lenders, private banking partners, and other funding institutions with which you are matched. Such sharing is limited to information necessary to evaluate and process your application and is subject to those institutions' own privacy practices. No SMS opt-in data or consent records are included in such disclosures.

5.2 Service Providers

Opulend engages third-party service providers who support our operations, including:

• CRM and marketing automation platforms (including GoHighLevel)

• SMS aggregators and delivery providers, solely for message delivery purposes

• Payment processors, where applicable

• Analytics and website performance services

All service providers are contractually obligated to handle data confidentially, use it only for the specific services they provide to Opulend, and maintain appropriate security standards. No SMS originator opt-in data or consent records are shared with service providers except aggregators and providers directly responsible for SMS delivery.

5.3 Legal Compliance

Opulend may disclose information when required by applicable law, regulation, court order, or valid legal process, or to protect the rights, property, or safety of Opulend, its clients, or others. We will endeavor to provide notice of such disclosures where legally permissible.

5.4 Business Transfers

In the event of a merger, acquisition, asset sale, or reorganization involving Opulend, user and client information may be transferred as part of that transaction. Any successor entity will be bound by the terms of this Privacy Policy or will provide notice of any material changes.

6. Data Security

Opulend implements and maintains commercially reasonable technical and organizational security measures to protect personal and business information, including:

• Encryption of sensitive data in transit and at rest

• Access controls and authentication mechanisms limiting data access to authorized personnel

• Regular security assessments and system monitoring

• Employee training on data protection and confidentiality obligations

• Incident response and breach notification protocols in compliance with applicable state and federal law

• Secure backup systems and disaster recovery procedures

No method of electronic storage or transmission is 100% secure. While Opulend takes data security seriously and employs commercially acceptable means to protect your information, absolute security cannot be guaranteed. In the event of a data breach affecting your personal information, Opulend will provide notice in accordance with applicable law.

7. Cookies and Tracking Technologies

The Site uses cookies, web beacons, pixel tags, and similar technologies to analyze traffic, understand user behavior, improve site functionality, and measure the effectiveness of our services and communications. You may control cookie settings through your browser. Disabling certain cookies may limit your ability to use features of the Site. By using the Site, you consent to Opulend's use of cookies and tracking technologies as described herein.

8. Data Retention

Opulend retains personal and business information for as long as necessary to fulfill the purposes described in this Policy, to maintain compliance with applicable legal obligations, and to resolve disputes or enforce agreements. Financial and application data submitted in connection with a funding application is retained for a minimum period required by applicable law and regulatory guidance. Upon request, Opulend will advise on applicable retention periods for specific categories of data.

9. Your Rights and Choices

Subject to applicable law, you have the right to:

• Request access to the personal information Opulend holds about you

• Request correction of inaccurate or incomplete information

• Request deletion of your personal information, subject to legal retention obligations

• Opt out of SMS communications by replying STOP

• Opt out of promotional email communications by clicking unsubscribe

• Request information about how Opulend processes your data

• Withdraw consent for future communications, subject to the limitations described in Section 4

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected and how it is used, the right to request deletion, and the right to opt out of the sale of personal information. Opulend does not sell personal information. To exercise any of the above rights, contact us using the information in Section 12.

10. Third-Party Links

The Site may contain links to third-party websites and resources. Opulend is not responsible for the privacy practices or content of those sites and encourages you to review their privacy policies independently. This Privacy Policy applies solely to information collected by Opulend through its own Site and services.

11. Changes to This Privacy Policy

Opulend reserves the right to update this Privacy Policy at any time. The most current version will be posted on the Site with a revised effective date. For material changes, Opulend will provide notice via email or a prominent notice on the Site. Your continued use of the Site or services following any update constitutes your acceptance of the revised Policy.

12. Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws of the State of Delaware, consistent with Opulend LLC's formation as a Delaware limited liability company. Any dispute arising under this Policy shall be resolved in accordance with the dispute resolution provisions set forth in Opulend's Terms of Service.

13. Contact Us

For questions, requests, or concerns regarding this Privacy Policy or Opulend's data practices, please contact:

Opulend LLC

11440 Bayshore Dr N, Miami, FL 33181

1115 Broadway, 12th Floor, New York, NY 10010

Phone: (646) 916-9656

Email: [email protected]

Website: opulend.io

By using this Site or any Opulend service, you confirm your consent to this Privacy Policy.