Privacy Policy

I. INTRODUCTION

Hero Complex LLC, doing business as LargeBusinessLoans.com (“Company,” “we,” “our,” or “us”), operates an online platform that connects business owners with third-party financial service providers offering business financing products. This Privacy Policy (“Policy”) describes how we collect, use, disclose, and protect information when you visit our website at www.largebusinessloans.com, including any subdomains (the “Website”), or use our related services (collectively, the “Services”).

This Policy applies to information we collect:

• On this Website;
• In email, text, telephone, and other electronic communications between you and us;
• When you interact with our advertising or applications on third-party platforms that link to this Policy; and
• When you interact with us offline or through other means.

By accessing or using our Website or Services, you agree to this Policy. If you do not agree, do not use our Website or Services.

Our Website and Services are intended for adults 18 years of age or older located in the United States. We do not knowingly collect personal information from anyone under 18.

II. INFORMATION WE COLLECT

A. Information You Provide

When you submit a form, request information, or communicate with us, we may collect:

• Identifiers: name, postal address, email address, telephone number, and other contact information;
• Financial information: business name, time in business, annual revenue, requested loan amount, homeownership status, estimated home value, mortgage balance, credit score range, and similar information necessary to evaluate your eligibility for financing;
• Sensitive personal information (only when you choose to provide it): Social Security number, date of birth, bank account information, and tax identification numbers;
• Communications: the content of messages, calls, and other communications you send to us.

B. Information Collected Automatically

When you visit the Website, we automatically collect:

• Device and usage data: IP address, browser type, operating system, referring URL, pages viewed, and timestamps;
• Cookies and tracking technologies: session and persistent cookies, web beacons, pixels, and similar technologies used by us and our analytics and advertising partners.

You can control cookies through your browser settings. Disabling cookies may limit Website functionality.

C. Information from Third Parties

We may receive information about you from:

• Lead generation partners and advertising networks who collect information on our behalf;
• Lenders, funding partners, and credit bureaus, in connection with evaluating your financing application;
• Public databases and verification services used to confirm identity and detect fraud.

III. HOW WE USE INFORMATION

We use the information we collect to:

• Operate and improve the Website and Services;
• Connect you with funding products that may meet your needs;
• Communicate with you about your inquiry, application status, document requests, and customer service matters;
• Verify your identity and detect, investigate, and prevent fraud or other unlawful activity;
• Comply with legal obligations and enforce our Terms and Conditions;
• Conduct internal analytics and improve our marketing;
• Provide informational communications you have consented to receive.

IV. HOW WE DISCLOSE INFORMATION

We may disclose the information described in this Policy in the following ways:

• To underwriting departments to check your eligibility for and providing the financial products and services you have requested through the Website;
• To service providers and vendors that support our operations, including hosting, customer relationship management, analytics, communications, payment processing, and customer support;
• To subsidiaries of Hero Complex LLC, in connection with the Services described in this Policy;
• To advisors and successors in connection with a merger, acquisition, financing, reorganization, sale of assets, or similar corporate transaction;
• To government authorities, regulators, and law enforcement as required by law, court order, subpoena, or to protect our legal rights;
• With your consent, for any other purpose disclosed at the time of collection.

We may also disclose aggregated or de-identified information that does not reasonably identify any individual.

SMS-Specific Data Sharing Restriction

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Information sharing with subcontractors and service providers that support our operations (such as customer service, hosting, and CRM providers) is permitted solely for the purpose of providing those support services.

The mobile phone numbers and SMS consent records we collect are used only to enable communications between you and Hero Complex LLC. We may share your phone number with the lenders and funding partners evaluating your loan application so they may contact you about that application; however, any text messages or autodialed calls those lenders send to you will be based on consent you provide directly to them, not on the consent you provide here.

V. SMS / TEXT MESSAGING COMMUNICATIONS

If you provide your mobile phone number and affirmatively opt in to SMS communications by checking the SMS consent box on a Hero Complex LLC form, you expressly consent to receive SMS / text messages from Hero Complex LLC (dba LargeBusinessLoans.com) using automated technology where permitted by law.

Program description: SMS messages will relate to your business funding inquiry, including:

• Application status updates;
• Document and information requests;
• Funding offers, rate quotes, and product information;
• Appointment confirmations and reminders;
• Customer service responses.

Message frequency: You will receive up to 10 messages per month.

Costs: Message and data rates may apply. Standard message and data rates from your wireless carrier apply.

Sender identification: All messages will identify Hero Complex LLC (dba LargeBusinessLoans.com) as the sender.

Opt-out: You may opt out at any time by replying STOP to any message. We will send a confirmation message and stop sending SMS communications. You may rejoin by completing the opt-in process again.

Help: Reply HELP to any message for assistance, or contact us at ben@largebusinessloans.com.

Carrier disclaimer: Carriers are not liable for delayed or undelivered messages.

Consent not required: SMS consent is not required as a condition of applying for or obtaining financing or any other product or service. Your consent to receive SMS messages from Hero Complex LLC is separate from any consent you provide to lenders, funding partners, or any other third party.

Data sharing: The mobile phone number and SMS consent information you provide will not be shared with third parties or affiliates for their own marketing or promotional purposes. See Section IV for additional detail.

VI. DATA SECURITY

We implement administrative, technical, and physical safeguards designed to protect your information, including SSL encryption for data in transit and secured servers behind firewalls. No system is perfectly secure, however, and we cannot guarantee the absolute security of any information. You provide information at your own risk.

VII. DATA RETENTION

We retain personal information for as long as reasonably necessary to provide the Services, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods vary depending on the type of information and the legal and operational reasons for retaining it.

VIII. YOUR RIGHTS

You may contact us at ben@largebusinessloans.com to:

• Access the personal information we hold about you;
• Correct inaccurate personal information;
• Request deletion of personal information, subject to legal exceptions;
• Opt out of marketing emails (use the unsubscribe link in any email);
• Opt out of SMS messages (reply STOP to any message).

We may decline requests where the law permits or requires, or where verification of identity is necessary.

IX. PRIVACY NOTICE FOR CALIFORNIA RESIDENTS

This section supplements this Policy and applies only to California residents under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

A. Categories of Personal Information Collected

In the past 12 months, we may have collected the following categories of personal information:

• Identifiers: name, address, telephone number, email address, IP address, Social Security number, driver’s license number;
• Personal Records: financial information, employment information;
• Protected Classifications: age;
• Commercial Information: records of products or services considered;
• Internet Activity: browsing history, interactions with the Website;
• Geolocation Data: IP-based location;
• Sensory Data: recorded calls, where lawful and disclosed at the time of recording;
• Professional Information: business and employment history;
• Inferences: profiles reflecting preferences and characteristics for the purpose of evaluating financing eligibility.

B. Sources

We collect this information from you, automatically through your use of the Website, and from third parties as described in Section II.

C. Purposes

We use this information for the purposes described in Section III.

D. Disclosures

We disclose this information for the purposes described in Section IV.

E. Sale or Sharing of Personal Information

We do not sell personal information for monetary value. We may share certain personal information for cross-context behavioral advertising purposes through the use of cookies and similar technologies. We do not share mobile phone numbers, SMS opt-in data, or SMS consent records for any purpose other than as described in Section V.

F. Sensitive Personal Information

We do not use sensitive personal information for purposes other than those permitted under the CCPA without offering you the right to limit such use.

G. Your California Rights

California residents have the right to:

• Know what personal information we collect, use, disclose, and sell or share;
• Access specific pieces of personal information we have collected;
• Delete personal information, subject to legal exceptions;
• Correct inaccurate personal information;
• Opt out of the sale or sharing of personal information;
• Limit the use of sensitive personal information;
• Non-discrimination for exercising any of these rights.

To exercise these rights, contact us at ben@largebusinessloans.com with “CCPA Request” in the subject line. We will verify your identity before processing your request. You may also designate an authorized agent to make a request on your behalf, subject to our verification procedures.

X. CHILDREN

The Website and Services are not directed to children under 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child, we will delete it.

XI. CHANGES TO THIS POLICY

We may update this Policy from time to time. The “Last Updated” date at the top of this Policy reflects the date of the most recent changes. Material changes will be notified through a notice on the Website’s homepage. Your continued use of the Website after changes are posted constitutes acceptance of the updated Policy.

XII. CONTACT US

For questions about this Policy or our privacy practices, contact us at:

Hero Complex LLC (DBA LargeBusinessLoans.com)
Email: ben@largebusinessloans.com
Phone: +1 631-614-5052