Privacy Policy — MI SASSON LLC

1. Introduction

MI SASSON LLC ("MI SASSON," "we," "us," or "our") is committed to protecting the privacy of the individuals who visit our website and engage with our services. This Privacy Policy explains what information we collect, how we use it, how we protect it, and your rights with respect to that information.

By accessing or using our website at misasson.com, or by submitting an inquiry or application, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use our website or services.

2. Information We Collect

2.1 Information You Provide Directly

When you contact us, submit an inquiry, or apply for financing, we may collect:

Your name and contact information (email address, mailing address)
Business name, industry, and operational details
Financial information (revenue, funding needs, business bank statements, tax returns)
Government-issued identification information
Social Security Number or Employer Identification Number (for credit and identity verification)
Any additional information you choose to provide in correspondence

2.2 Information Collected Automatically

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

IP address and general geographic location
Browser type and operating system
Pages visited, time spent on pages, and referring URLs
Device type and screen resolution

This information is collected through standard server logs and may be supplemented by cookies or similar tracking technologies, as described in Section 8 below.

3. How We Use Your Information

We use the information we collect to:

Evaluate and process your financing inquiry or application
Communicate with you about your application and our services
Conduct credit analysis and underwriting
Verify your identity and prevent fraud
Comply with applicable laws, regulations, and licensing requirements
Improve our website and service quality
Send marketing communications where you have provided consent (see SMS section below)

4. How We Share Your Information

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

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

Service Providers: We may share information with trusted third-party service providers who assist us in operating our business (e.g., credit bureaus for underwriting, document management services, legal counsel). These providers are contractually bound to use your information only as directed by us and in accordance with applicable law.
Credit Reporting and Verification: With your authorization, we may submit information to credit reporting agencies and identity verification services as part of the loan application and underwriting process.
Legal Requirements: We may disclose your information if required to do so by law, court order, subpoena, or government regulation, or to protect the rights, property, or safety of MI SASSON LLC, our clients, or others.
Business Transfers: In the event of a merger, acquisition, or sale of substantially all of our assets, your information may be transferred to the acquiring entity, subject to the same privacy commitments described in this policy.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. SMS / Text Message Communications

SMS Program Disclosure

If you opt in to receive SMS/MMS messages from MI SASSON LLC, the following terms apply:

Program Description: We may send recurring marketing and promotional SMS/MMS messages, including updates and information about our financial products and services, using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies; you may receive up to 4 messages per month.
Message & Data Rates: Standard message and data rates may apply depending on your wireless carrier plan.
Opt-Out: Reply STOP at any time to opt out of further SMS communications. After opting out, you will receive a one-time confirmation message.
Help: Reply HELP for assistance. You may also contact us at maurice@misasson.com for support.
Consent is not a condition of purchase: Your consent to receive SMS messages is entirely voluntary and is not required to apply for or receive financing from MI SASSON LLC.

SMS Data Sharing: As stated above, text messaging originator opt-in data and consent will not be shared with any third parties for any purpose, including marketing or promotional purposes.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect the personal and financial information you provide from unauthorized access, disclosure, alteration, or destruction. However, no method of electronic transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

We limit access to your personal information to employees and service providers who need it to perform their job functions, and we train our staff on data privacy and security practices.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including satisfying legal, accounting, and regulatory requirements. For loan applications, we are required to retain certain records for periods specified by applicable federal and state law, which may extend for multiple years after your last transaction with us.

8. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to enhance your browsing experience and analyze site traffic. Cookies are small data files stored on your device. You may configure your browser to refuse cookies or alert you when cookies are being sent. Note that disabling cookies may affect the functionality of certain features on our website.

We do not use tracking technologies to deliver targeted third-party advertising based on your browsing activity on our site.

9. Your Rights and Choices

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

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 information (subject to legal retention requirements)
The right to opt out of marketing communications at any time

To exercise any of these rights, please contact us at maurice@misasson.com with the subject line "Privacy Request." We will respond within 30 days.

10. Children's Privacy

Our services are intended for business owners and are not directed to children under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately.

11. Third-Party Links

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

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of our website after any update constitutes acceptance of the revised policy.

13. Contact Us

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

MI SASSON LLC
4 Townsend Pl, West Long Branch, NJ 07764
Email: maurice@misasson.com