Privacy Policy

Effective Date: January 1, 2025  |  Last Updated: January 1, 2025  |  Metzger Financial Services  |  1337 N Cable Rd, Lima, OH 45805

This Privacy Policy describes how Metzger Financial Services ("Company," "we," "us," or "our") collects, uses, discloses, and safeguards your information when you visit our website at themetzgerfinancialservices.com or interact with our services. Please read this policy carefully. By using our website or services, you agree to the terms of this Privacy Policy.

1. Information We Collect

1.1 Information You Provide Directly

We collect information you voluntarily provide when you submit an inquiry, application, or contact form, including:

• Full name and contact information (email address)
• Business name, type, and operating state
• Requested funding amounts and stated funding purpose
• Business revenue and time-in-business information
• Any additional information you include in the message field
• SMS/text message consent preferences (where provided)

1.2 Automatically Collected Information

When you visit our website, we may automatically collect certain technical data, including your IP address, browser type and version, operating system, referring URLs, pages visited, and timestamps of visits. This data is used solely for website security, analytics, and service improvement purposes.

1.3 Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience and analyze site traffic. You may configure your browser to refuse all or some browser cookies or to alert you when cookies are being sent. If you disable or refuse cookies, some parts of our site may not function properly.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To review and process your business funding inquiry or application
• To contact you regarding your inquiry via email or, if you have consented, via SMS/text message
• To provide you with information about our financial products and services that may be relevant to your needs
• To improve, personalize, and optimize our website and service offerings
• To maintain accurate records and comply with applicable legal obligations
• To detect and prevent fraud, unauthorized access, and other illegal activities

3. SMS & Text Message Communications

If you have provided your express written consent, Metzger Financial Services may send you recurring marketing and promotional SMS/MMS messages using an automated telephone dialing system (ATDS), including updates, offers, and information about our financial products and services.

SMS Program Details

• Message Frequency: Message frequency varies; you may receive up to 4 messages per month.
• Message and Data Rates: Message and data rates may apply. Charges are assessed by your mobile carrier.
• Opt-Out: Reply STOP to opt out of SMS communications at any time. After opting out, you will receive one final confirmation message and no further SMS messages will be sent.
• Help: Reply HELP for assistance. You may also contact us at matthew@themetzgerfinancialservices.com for support.
• No Purchase Required: Consent is NOT a condition of purchase. You may inquire about or obtain our financial services without opting in to SMS communications.
• Supported Carriers: AT&T, Verizon, T-Mobile, Sprint, Boost Mobile, U.S. Cellular, and others. Carrier support may vary.

4. Information Sharing and Disclosure

We do not sell, trade, rent, or otherwise transfer your personal information to outside parties for their own marketing or promotional purposes. Specifically:

• We do not share your personal information with third-party marketers or advertisers.
• We do not share your information with data brokers or consumer reporting agencies for marketing purposes.
• We may share your information with service providers who assist us in operating our website and conducting our business, provided those parties agree to keep your information confidential and use it solely to assist us.
• We may disclose your information when required by law, to enforce our site policies, or to protect ours or others' rights, property, or safety.

5. Data Security

We implement commercially reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, alteration, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When your information is no longer needed, we will securely delete or anonymize it in accordance with applicable regulations.

7. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• Access: The right to request access to the personal information we hold about you.
• Correction: The right to request correction of inaccurate or incomplete personal information.
• Deletion: The right to request deletion of your personal information, subject to certain legal exceptions.
• Opt-Out: The right to opt out of marketing communications, including SMS, at any time.

To exercise any of these rights, please contact us at matthew@themetzgerfinancialservices.com.

8. Third-Party Links

Our website may contain links to third-party websites. We have no control over the content or privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our website and services are intended for adults and business entities. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected personal information from a minor, we will promptly delete that information.

10. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. When we do, we will revise the "Last Updated" date at the top of this page. We encourage you to periodically review this Privacy Policy to stay informed about how we are protecting your information. Your continued use of our website following the posting of changes constitutes your acceptance of those changes.

11. Contact Us