Surge Financial ("Company," "we," "us," or "our") is committed to protecting the privacy of individuals who visit our website or submit information through any form or communication channel. This Privacy Policy explains how we collect, use, and protect your personal information.
01Company Information
Surge Financial is a commercial financing advisory firm and registered ISO headquartered in Fort Lauderdale, Florida. We are not a bank or direct lender. We help businesses and real estate investors explore financing options through a network of third-party funding sources.
Contact Information:
- Phone: (954) 787-4348
- Email: [email protected]
- Address: 2145 W Davie Blvd Suite 205, Fort Lauderdale, FL 33312
02Information We Collect
We collect information you provide directly to us and information collected automatically through your use of our website.
Information You Provide Directly
- Contact information: full name, email address, phone number, and mailing address
- Business information: business name, industry, time in business, monthly revenue, and requested funding amount
- Real estate information: property address, property type, loan purpose, and estimated value
- Financial information: credit score range, existing financing obligations, and bank account information where required to process an application
- Communications: any information you include in messages, forms, or correspondence with our team
Information Collected Automatically
- Device and browser information: IP address, browser type, operating system, and device identifiers
- Usage data: pages visited, time spent on pages, links clicked, and referring URLs
- Cookie data: session identifiers and preference data collected through cookies and similar tracking technologies
03How We Use Your Information
We use the information we collect for the following purposes:
- To respond to your inquiries and provide the services you have requested
- To evaluate your financing inquiry and connect you with appropriate funding sources
- To communicate with you about your application, inquiry status, or account
- To send you relevant updates, market insights, and promotional communications where you have provided consent
- To improve our website, services, and internal operations
- To comply with applicable laws, regulations, and legal obligations
- To detect and prevent fraud, abuse, or unauthorized use of our services
- To maintain records as required by applicable law or regulatory requirements
04SMS and Text Message Communications
This section governs our use of SMS and text message communications and is intended to comply with applicable TCPA regulations and CTIA guidelines, including 10DLC messaging requirements.
Consent to Receive SMS
By providing your mobile phone number and expressly consenting to SMS communications through any form on our website, you agree to receive text messages from Surge Financial. These messages may include:
- Responses to inquiries you have submitted
- Updates regarding your financing application or inquiry
- Follow-up communications from a Surge Financial advisor
- Promotional or informational content related to our services, where you have provided express written consent
Message Frequency and Rates
Message frequency varies based on your level of engagement with Surge Financial. Message and data rates may apply depending on your mobile carrier and plan.
Opting Out of SMS
You may opt out of SMS communications at any time by replying STOP to any text message you receive from us. After opting out, you will receive one final confirmation message. You will not receive additional SMS messages unless you re-consent.
You may also opt out by contacting us directly at (954) 787-4348 or [email protected] and requesting removal from our SMS list.
Help
For help with SMS communications, reply HELP to any message you receive or contact us at [email protected].
No Sale or Sharing of SMS Consent
We do not sell, rent, trade, or share your mobile phone number or SMS consent data with third parties for their marketing purposes. Your consent to receive SMS messages from Surge Financial is specific to Surge Financial only and will not be transferred to any other entity.
Supported Carriers
Surge Financial supports all major U.S. mobile carriers. Carrier liability is not assumed for delayed or undelivered messages.
05Email Communications
By providing your email address and opting in to email communications, you consent to receive emails from Surge Financial that may include service updates, financing insights, market information, and promotional content.
You may opt out of marketing emails at any time by clicking the unsubscribe link in any email you receive from us or by contacting us directly at [email protected]. Transactional emails related to an active inquiry or application may still be sent as necessary to service your request.
06How We Share Your Information
We do not sell or rent your personal information to third parties. We may share your information only in the following limited circumstances.
Funding Sources and Capital Partners
When you submit a financing inquiry or application, we may share your information with funding sources, lenders, or capital partners in our network for the purpose of evaluating and processing your financing request. By submitting an inquiry or application, you authorize this sharing as necessary to provide the services you have requested.
Service Providers
We may share your information with trusted third-party service providers who assist us in operating our website, conducting our business, or servicing you, subject to contractual obligations to keep your information confidential and use it only for the purposes for which we disclose it to them.
Legal Obligations
We may disclose your information where required to do so by law, in response to a subpoena, court order, or other lawful request, or to comply with applicable regulatory requirements.
Protection of Rights
We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person, or as evidence in litigation.
Business Transfers
In the event of a merger, acquisition, sale of assets, or other business transfer, your information may be transferred as part of that transaction. We will provide notice before your information becomes subject to a materially different privacy policy.
07Data Security
We implement reasonable and appropriate technical, administrative, and physical security measures designed to protect your personal information from unauthorized access, use, alteration, or disclosure. These measures include but are not limited to encrypted data transmission, access controls, and secure data storage practices.
No method of transmission over the internet or electronic storage is completely secure. While we strive to protect your personal information, we cannot guarantee absolute security. In the event of a data breach that affects your rights, we will notify affected individuals as required by applicable law.
08Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, to comply with our legal and regulatory obligations, to resolve disputes, and to enforce our agreements. When personal information is no longer needed for these purposes, we will securely delete or anonymize it.
The retention period for specific categories of information may vary based on the nature of the information and applicable legal requirements.
09Your Privacy Rights
Depending on your state of residence, you may have certain rights with respect to your personal information. These rights may include:
- The right to know what personal information we have collected about you
- The right to access a copy of your personal information
- The right to request correction of inaccurate or incomplete personal information
- The right to request deletion of your personal information, subject to certain exceptions
- The right to opt out of the sale of personal information (we do not sell personal information)
- The right to withdraw consent to receive marketing communications at any time
- The right to non-discrimination for exercising your privacy rights
California residents may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). If you are a California resident and wish to exercise any of these rights, please contact us using the information in Section 12 of this policy.
To exercise any of the rights listed above, please contact us at [email protected] or (954) 787-4348. We will respond to verifiable requests within the timeframe required by applicable law.
10Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance user experience, analyze website traffic, and support our marketing efforts. Cookies are small text files stored on your device when you visit our website.
Types of Cookies We Use
- Strictly necessary cookies: Required for the website to function. These cannot be disabled.
- Analytics cookies: Help us understand how visitors interact with our website.
- Marketing cookies: Used to track visitors across websites to display relevant advertising.
- Preference cookies: Allow the website to remember choices you have made.
You can control or disable cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of our website. To opt out of interest-based advertising, you may visit optout.aboutads.info or optout.networkadvertising.org.
11Third-Party Links
Our website may contain links to third-party websites or services that are not operated by Surge Financial. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.
12Children's Privacy
Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete the information.
13Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. When we make material changes, we will update the effective date at the top of this policy and, where appropriate, provide additional notice such as a prominent statement on our website or direct communication to affected users.
Your continued use of our website or services after any changes to this Privacy Policy constitutes your acceptance of the updated policy. We encourage you to review this policy periodically.
14Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or the way we handle your personal information, please contact us at:
Surge Financial
- Phone: (954) 787-4348
- Email: [email protected]
- Address: 2145 W Davie Blvd Suite 205, Fort Lauderdale, FL 33312
We will respond to all inquiries as promptly as possible and within any timeframes required by applicable law.