fondos.biz ("Fondos," "we," "us," or "our"), located at 9506 Webb Chapel Rd, Dallas, TX 75220, is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website (fondos.biz), use our TALUS AI pre-qualification engine, submit a digital application, or interact with our SMS messaging services.
By using our services, you consent to the data practices described in this policy.
1. Information We Collect
We may collect the following categories of personal information:
- Personal identifiers: full name, date of birth, Social Security Number (SSN), email address, phone number, home address
- Business information: legal business name, DBA, EIN, industry, monthly revenue, bank statements, trade references
- Financial data: credit scores, cash advance positions, requested funding amounts
- Device and usage data: IP address, browser type, pages visited, time and date of access
- Communication records: chat transcripts with TALUS AI, SMS opt-in/opt-out records
2. How We Use Your Information
- To evaluate your merchant cash advance application and determine pre-qualification
- To process your application through our in-house underwriting and direct funding programs
- To send application status updates and financing-related notifications via SMS
- To comply with legal and regulatory requirements (FTC, TCPA, state regulations)
- To improve our services, including the TALUS AI engine and website experience
- To maintain internal records and prevent fraud
3. SMS / Text Messaging Privacy
When you opt-in to receive SMS messages from fondos.biz, we collect your mobile phone number and consent status. We use this information exclusively to send you application status notifications, offer updates, and financing-related communications.
Proteccion de Datos Moviles
Ninguna informacion de telefono movil o datos de consentimiento de Opt-In obtenidos para SMS seran compartidos, vendidos, alquilados o comercializados con terceros ni afiliados para fines de marketing o promocion bajo ninguna circunstancia. Todas las categorias anteriores excluyen los datos de origen del remitente de mensajes de texto y el consentimiento; esta informacion no se compartira con ningun tercero.
English (Required for A2P 10DLC Audit):
No mobile information will be shared with third parties/affiliates for marketing/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. Data Sharing and Disclosure
We may share your information only in the following limited circumstances:
- Underwriting team: Application data reviewed by our in-house underwriting team for funding decisions
- Service providers: Third-party vendors who assist in operating our platform (hosting, analytics, communication providers) under strict contractual privacy obligations
- Legal compliance: When required by law, regulation, subpoena, or court order
- Fraud prevention: To protect against fraudulent or unauthorized transactions
We do NOT sell, rent, or trade your personal information for marketing purposes. We never share SMS opt-in data or mobile consent records with any third party.
5. Data Security
We implement industry-standard security measures to protect your personal information, including:
- Bank-grade TLS encryption for all data in transit
- Encrypted storage for sensitive data including SSN and financial records
- Access controls limiting data visibility to authorized personnel only
- Regular security audits and monitoring
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce agreements. Application data is retained for a minimum of 5 years in compliance with financial industry regulations. SMS consent and opt-out records are retained indefinitely for compliance purposes.
7. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your data (subject to legal retention requirements)
- Opt-out of SMS communications at any time by texting STOP
- Request to be added to our internal Do Not Call list
8. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn we have collected data from a minor, we will delete it promptly.
9. Changes to This Policy
We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance of the revised policy.
10. Contact Us
If you have questions about this Privacy Policy or wish to exercise your data rights, contact us:
- fondos.biz
- approvals@mifondos.com
- 1-877-720-4609
- 9506 Webb Chapel Rd, Dallas, TX 75220