1. Introduction
Projective Finance LLC ("we," "us," "our," or "Company") is a Wyoming limited liability company engaged in loan trading and financial services. We are committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
2. Information We Collect
Personal Information
We may collect personal information that you voluntarily provide, including:
- Name, address, phone number, and email address
- Financial information (income, assets, credit history)
- Government-issued identification numbers
- Banking and investment account information
- Employment and business information
- Transaction history and investment preferences
Automatically Collected Information
When you visit our website, we may automatically collect:
- IP address and device information
- Browser type and operating system
- Pages visited and time spent on our site
- Referring website information
- Cookies and similar tracking technologies
Third-Party Information
We may obtain information about you from:
- Credit reporting agencies
- Financial institutions
- Public records
- Business partners and service providers
- Identity verification services
3. How We Use Your Information
We use your information for legitimate business purposes, including:
- Providing loan trading and financial services
- Processing transactions and managing accounts
- Conducting due diligence and risk assessment
- Complying with legal and regulatory requirements
- Communicating about our services and updates
- Improving our website and services
- Preventing fraud and ensuring security
- Marketing our services (with your consent where required)
4. Information Sharing and Disclosure
We may share your information in the following circumstances:
Service Providers
We work with trusted third-party service providers who assist us in:
- Technology services and website hosting
- Payment processing
- Credit reporting and verification
- Legal and compliance services
- Marketing and communications
Business Partners
We may share information with business partners in connection with:
- Joint ventures or co-investments
- Loan syndications or participations
- Due diligence processes
Legal Requirements
We may disclose information when required by:
- Federal or state laws and regulations
- Court orders or legal process
- Regulatory examinations or investigations
- Protecting our rights or preventing fraud
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
5. Data Security
We implement appropriate technical and organizational measures to protect your information, including:
- Encryption of sensitive data in transit and at rest
- Secure data storage and access controls
- Regular security assessments and updates
- Employee training on data protection
- Incident response procedures
6. Data Retention
We retain your information for as long as necessary to:
- Provide our services and maintain your account
- Comply with legal and regulatory requirements
- Resolve disputes and enforce agreements
- Protect against fraud and abuse
7. Your Rights and Choices
Depending on your location, you may have certain rights regarding your personal information:
Access and Correction
You may request access to your personal information and request corrections to inaccurate data.
Marketing Communications
You may opt out of marketing communications by following unsubscribe instructions or contacting us directly.
Cookies
You may control cookie preferences through your browser settings.
State-Specific Rights
Residents of certain states (such as California, Virginia, and others) may have additional rights under applicable privacy laws.
8. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.
9. International Data Transfers
If you are located outside the United States, please note that your information may be transferred to and processed in the United States, where privacy laws may differ from those in your jurisdiction.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and updating the "Last Updated" date.
11. Contact Information
If you have questions about this Privacy Policy or our privacy practices, please contact us:
Projective Finance LLC211 W 19th St, Ste 301
Cheyenne, Wyoming 82001
Email: hello@projective.finance
Phone: 309-660-2732
For privacy-specific inquiries, you may also contact our Privacy Officer at atticus@projective.finance.
12. Regulatory Compliance
This Privacy Policy is designed to comply with applicable federal and state privacy laws, including:
- Gramm-Leach-Bliley Act (GLBA)
- Fair Credit Reporting Act (FCRA)
- Applicable state privacy laws
- Federal Trade Commission guidelines
This Privacy Policy supplements any other privacy notices or agreements you may have with Projective Finance LLC.