Pennysdream Inc ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website pennys-dream.com and use our services.
Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.
1. Information We Collect
Personal Information
We may collect personally identifiable information that you voluntarily provide to us when you:
- Complete a contact form or loan application
- Subscribe to our newsletter or marketing communications
- Request information about our services
- Contact us directly via email or phone
The personal information we collect may include:
- Name and business name
- Email address
- Phone number (if provided)
- Business address and operational details
- Financial information relevant to loan applications
Automatically Collected Information
When you visit our website, we may automatically collect certain information about your device, including:
- IP address
- Browser type and version
- Operating system
- Pages visited and time spent on pages
- Referral source
2. How We Use Your Information
We use the information we collect to:
- Process and evaluate loan applications
- Respond to inquiries and provide customer support
- Send administrative information and service updates
- Improve our website and services
- Send marketing and promotional communications (with your consent)
- Comply with legal and regulatory requirements
- Prevent fraud and maintain security
3. SMS & Text Message Communications
Important: If you consent to receive marketing and promotional text messages from Pennysdream Inc, the following terms apply:
By providing your mobile phone number and expressly consenting to receive SMS/MMS messages from Pennysdream Inc, you agree to receive recurring marketing and promotional text messages sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.
Message Frequency and Charges
Message frequency varies; you may receive up to 4 messages per month. Message and data rates may apply based on your mobile carrier's plan.
Opt-Out Instructions
You may opt out at any time by replying STOP to any text message we send. After opting out, you will receive one final confirmation message, and no further messages will be sent unless you re-subscribe.
Help and Support
If you need assistance or have questions about our text messaging program, reply HELP to any message, or contact us at penny@pennys-dream.com.
Consent Not Required for Purchase
Consent to receive marketing text messages is NOT a condition of purchase or use of our lending services. You may still apply for and receive funding without opting in to text messages.
Mobile Information Sharing
No mobile information will be shared with third parties or affiliates for marketing or 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.
4. How We Share Your Information
We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:
Service Providers
We may share your information with trusted third-party service providers who assist us in operating our website, conducting our business, and servicing you (e.g., payment processors, marketing platforms, loan servicing partners). These providers are contractually obligated to keep your information confidential and use it only for the services they perform for us.
Legal Requirements
We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, subpoenas, regulatory agencies).
Business Transfers
In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our website of any change in ownership or use of your personal information.
5. Data Security
We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:
- Encryption of sensitive data during transmission (SSL/TLS)
- Secure server infrastructure
- Regular security audits and vulnerability assessments
- Limited access to personal information by authorized personnel only
However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
6. Your Privacy 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 correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information (subject to legal and contractual obligations)
- Opt-Out: Unsubscribe from marketing communications at any time
- Data Portability: Request a copy of your data in a structured, machine-readable format
To exercise any of these rights, please contact us at penny@pennys-dream.com. We will respond to your request within 30 days.
7. Cookies and Tracking Technologies
We may use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us:
- Remember your preferences and settings
- Analyze website traffic and usage patterns
- Deliver targeted advertising (if applicable)
You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.
9. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child, we will take steps to delete it as soon as possible.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new "Effective Date." Your continued use of our services after any changes constitutes your acceptance of the updated policy.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Pennysdream Inc
8209 Willow Branch Drive
Waxhaw, NC 28173
Email: penny@pennys-dream.com
This Privacy Policy was last updated on January 1, 2025.