Privacy Policy — FAKSJO INC

1. Introduction

FAKSJO INC ("Company," "we," "us," or "our") is committed to protecting the privacy and security of the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at faksjo.com, use our services, or otherwise interact with us.

Please read this Privacy Policy carefully. By using our website or services, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access the site or use our services.

2. Information We Collect

Personal Information You Provide

We collect information that you voluntarily provide to us when you apply for funding, contact us, or register on our site. This may include:

Full name and contact information (email address)
Business name, type, and operating history
Financial information relevant to your funding application (revenue, monthly cash flow)
Communication preferences, including SMS opt-in status
Any other information you choose to provide in your application or messages to us

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing activity, including:

IP address and general geographic location
Browser type and version
Pages visited and time spent on each page
Referring URLs and exit pages
Device identifiers and operating system

3. How We Use Your Information

We use the personal information we collect for the following purposes:

To evaluate and process your business funding application
To communicate with you regarding your application status and funding options
To send marketing and promotional communications, where you have consented
To send SMS/MMS messages if you have expressly opted in to receive them
To improve our website, services, and customer experience
To comply with legal obligations and prevent fraud
To enforce our Terms & Conditions and other agreements

4. SMS / Text Message Communications

SMS Messaging Policy

FAKSJO INC may send SMS/MMS text messages to individuals who have expressly opted in to receive such communications. The following terms apply to all SMS communications from FAKSJO INC:

Opt-In: By opting in to receive SMS messages from FAKSJO INC, you expressly consent to receive recurring marketing and promotional SMS/MMS messages, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).

Message Frequency: Message frequency varies; you may receive up to 4 messages per month.

Message and Data Rates: Message and data rates may apply. These charges are billed by your mobile carrier. FAKSJO INC is not responsible for charges imposed by your carrier.

How to Opt Out: Reply STOP to opt out at any time. After sending STOP, you will receive a one-time confirmation message confirming that you have been unsubscribed. You will no longer receive SMS messages from FAKSJO INC. To re-subscribe, you may opt in again through our website.

How to Get Help: Reply HELP for assistance. You may also contact us directly at jonathan@faksjo.com.

Consent is NOT a Condition of Purchase: Your consent to receive SMS messages is entirely voluntary and is not required as a condition of receiving funding services from FAKSJO INC. Declining to provide SMS consent will not affect your ability to apply for or receive funding.

5. Information Sharing and Disclosure

We respect your privacy and do not sell, rent, or trade your personal information. Specifically:

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

All of the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We may share your information in the following limited circumstances:

Service Providers: We may share information with trusted third-party service providers who assist us in operating our website or conducting our business, subject to confidentiality agreements that prohibit them from using your information for any other purpose.
Legal Requirements: We may disclose information if required by law, regulation, legal process, or governmental request.
Business Transfers: In the event of a merger, acquisition, or sale of all or substantially all of our assets, your information may be transferred to the acquiring entity.
Protection of Rights: We may share information to protect the rights, property, or safety of FAKSJO INC, our clients, or others.

6. Data Security

We implement appropriate technical and organizational security measures designed to protect the security of your personal information. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

We use industry-standard encryption for data in transit (TLS/SSL) and at rest. Access to personal information is restricted to authorized personnel who need it to perform their job functions.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, including to comply with legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we securely delete or anonymize it.

8. Your Rights and Choices

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

The right to access, correct, or delete your personal information
The right to object to or restrict certain processing activities
The right to data portability
The right to withdraw consent at any time (including SMS consent by replying STOP)
The right to lodge a complaint with a supervisory authority

To exercise any of these rights, please contact us at jonathan@faksjo.com.

9. Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to improve your experience on our website. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, some portions of our website may not function properly.

10. 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 become aware that we have collected personal information from a minor without parental consent, we will take steps to remove that information promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on this page with a new effective date. Your continued use of our website or services after any changes constitutes your acceptance of the updated policy.

12. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

FAKSJO INC
Email: jonathan@faksjo.com
Website: faksjo.com