1. Introduction

IQ Consultants LLC ("Company," "we," "us," or "our"), located at 2202 64th St, Brooklyn, NY 11204, is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website iqsconsultants.com or interact with our business lending services.

Please read this policy carefully. By using our website or services, you consent to the practices described herein. If you do not agree, please do not use our website or services.

2. Information We Collect

2.1 Information You Provide Directly

• Full name and contact information (email address, mobile number if provided)
• Business name, business type, and industry
• Funding amount requested and funding purpose
• Financial information submitted as part of a funding application
• Communications submitted through our contact form or by email

2.2 Information Collected Automatically

• IP address and approximate geographic location
• Browser type and version, operating system
• Pages visited, time spent on pages, referring URL
• Cookie data and similar tracking technologies

3. How We Use Your Information

We use the information collected to:

• Evaluate and process business funding applications
• Communicate with you about your application status and our financial products
• Send marketing and promotional communications (only with your express consent, as described below)
• Improve our website, services, and customer experience
• Comply with applicable laws and regulations
• Prevent fraud and protect the security of our systems

4. SMS & Text Message Communications

If you have expressly consented to receive text messages from IQ Consultants LLC, we may send you 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).

4.1 Message Frequency & Rates

Message frequency varies; you may receive up to 4 messages per month. Message and data rates may apply, depending on your mobile carrier and plan.

4.2 Opt-Out Instructions

Reply STOP to any SMS message from IQ Consultants LLC to opt out of receiving future SMS/MMS messages at any time. After opting out, you will receive a single confirmation message confirming your opt-out. No further messages will be sent unless you re-subscribe.

4.3 Help & Support

Reply HELP for assistance. You may also contact us directly at ivan@iqsconsultants.com with any questions regarding our SMS communications.

4.4 Consent Not Required

Consent to receive marketing SMS/MMS messages is NOT a condition of purchase or of receiving our business funding services. You may apply for and receive funding without consenting to SMS communications.

4.5 No Third-Party SMS Data Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. SMS opt-in data and consent are not transferred to any third parties under any circumstances. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following limited circumstances:

• Service Providers: Third-party vendors that assist us in operating our website, processing applications, or providing services — subject to confidentiality obligations.
• Legal Compliance: When required by law, court order, or government authority.
• Business Transfers: In connection with a merger, acquisition, or sale of company assets, with appropriate privacy protections.
• With Your Consent: For any other purpose with your explicit consent.

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.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encrypted data transmission (SSL/TLS), access controls, and secure data storage practices.

While we take reasonable precautions, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

7. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to improve user experience, analyze site traffic, and understand how visitors interact with our content. You may control cookie settings through your browser preferences. Disabling cookies may affect certain website functionality.

8. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

• The right to access the personal information we hold about you
• The right to request correction of inaccurate information
• The right to request deletion of your personal information (subject to legal retention requirements)
• The right to opt out of marketing communications at any time
• The right to data portability in certain jurisdictions

To exercise any of these rights, contact us at ivan@iqsconsultants.com.

9. Children's Privacy

Our services are intended for business owners and adults 18 years of age or older. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected information from a minor, we will take steps to delete it promptly.

10. Third-Party Links

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

11. Changes to This Policy

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

12. Contact Us

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