Privacy Policy

1. Introduction

Vision Financial Services ("VFS," "we," "us," or "our") operates the websites capitalfordeals.com and vfsloans.com, as well as related services, tools, and lead generation forms. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our websites, submit forms, interact with our advertisements, or communicate with us.

By using our websites or submitting your information through any of our forms, lead generation features, or advertising channels (including Meta/Facebook Lead Ads), you agree to the collection and use of your information as described in this policy.

2. Information We Collect

Information You Provide Directly

When you submit a deal form, book a consultation, download a resource, or contact us, we may collect:

• Full name (first and last name)
• Email address
• Phone number
• Business or LLC name
• State of residence or business operation
• Property address and property type
• Financial information related to your loan inquiry (purchase price, loan amount requested, down payment, credit score range, rental income, after-repair value, renovation budget)
• Loan type and transaction type preferences
• Investment experience level
• Timeline for financing
• Any additional notes or details you provide

Information Collected Through Meta Lead Ads

If you interact with our advertisements on Facebook or Instagram and submit a lead form, Meta may provide us with information you have authorized, including your name, email address, phone number, and responses to custom questions within the ad form. This data is governed by both this Privacy Policy and Meta's Lead Ad Terms.

Information Collected Automatically

When you visit our websites, we may automatically collect:

• IP address and approximate geographic location
• Browser type and device information
• Pages visited, time spent on site, and referral sources
• Cookies and tracking pixels (including the Meta Pixel) for analytics and advertising purposes

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide our services: Reviewing your loan inquiry, matching you with appropriate lending programs, and communicating with you about financing options
• To contact you: Responding to your inquiry via phone, email, or text message to discuss your financing needs
• To send relevant communications: Providing educational content, loan program updates, and marketing communications related to commercial financing (you may opt out at any time)
• To improve our services: Analyzing how visitors use our websites to improve user experience and service offerings
• To run and optimize advertising: Using tracking pixels and cookies to measure ad performance, build retargeting audiences, and deliver relevant ads to people who have visited our websites or engaged with our content
• To comply with legal obligations: Meeting regulatory requirements applicable to commercial loan brokerage services

4. How We Share Your Information

We may share your information only in the following circumstances:

• With lending partners: When you authorize us to submit your loan inquiry to lenders within our network for the purpose of obtaining financing options for you. We only share the information necessary to evaluate your loan request.
• With service providers: We use third-party tools to operate our business, including our CRM system (Go High Level), email and SMS communication platforms, and website hosting. These providers process data on our behalf and are bound by their own privacy and data protection policies.
• With advertising platforms: We use the Meta Pixel on our websites to track conversions and build advertising audiences. Meta receives anonymized event data (such as page views and form submissions) but does not receive your personal deal details through the pixel.
• As required by law: We may disclose your information if required by law, subpoena, court order, or government regulation.

We do not sell, rent, or trade your personal information to any third party for their own marketing purposes, Non-sharing Clause: No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. .

5. Cookies and Tracking Technologies

Our websites use cookies and tracking technologies, including:

• Meta Pixel: We use the Meta (Facebook) Pixel to track website visits, form submissions, and other actions for the purpose of measuring advertising effectiveness and building retargeting audiences. You can manage your Meta ad preferences at facebook.com/adpreferences.
• Analytics cookies: We may use analytics tools to understand how visitors interact with our websites.
• Essential cookies: Some cookies are necessary for our websites to function properly.

You can control cookie preferences through your browser settings. Disabling cookies may affect the functionality of our websites.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, maintain our business relationship with you, or comply with legal obligations. If you request deletion of your data, we will process your request within 30 days, subject to any legal retention requirements.

7. Data Security

We implement reasonable technical and organizational measures to protect your personal information against unauthorized access, loss, destruction, or alteration. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

8. Your Rights

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

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request that we delete your personal information
• Opt-out: Unsubscribe from marketing communications at any time by clicking the unsubscribe link in any email or by contacting us directly
• Do Not Sell: We do not sell your personal information. If you have concerns, contact us at the information below.

To exercise any of these rights, please contact us using the information in Section 11 below.

9. Third-Party Links

Our websites may contain links to third-party websites, including lender websites, calendar booking platforms, and social media profiles. We are not responsible for the privacy practices of these third-party sites. We encourage you to review their privacy policies before providing any personal information.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected information from a minor, we will take steps to delete it promptly.

11. Contact Us

If you have any questions about this Privacy Policy, wish to exercise your data rights, or have concerns about how your information is being used, please contact us:

• Business Name: Vision Financial Services
• Website: capitalfordeals.com | vfsloans.com
• Email: [email protected]
• Instagram: @yourcommerciallender

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically.