Vail Enterprises
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Privacy Policy

Effective Date: January 1, 2026

Last Updated: January 1, 2026

Vail Enterprises LLC ("we," "us," "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or communicate with us.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

  • Submit a funding application or inquiry
  • Contact us via email, phone, or our website contact form
  • Subscribe to updates or communications
  • Engage with our services

This information may include:

  • Name, business name, and contact information (email address, mailing address)
  • Phone number (optional)
  • Business financial information (revenue, time in business, credit history)
  • Tax identification numbers and business documentation
  • Bank account information for funding distribution

Automatically Collected Information

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

  • IP address and browser type
  • Pages viewed and time spent on pages
  • Referring website and search terms
  • Device information and operating system

2. How We Use Your Information

We use the information we collect for the following purposes:

  • Lending Services: To evaluate funding applications, underwrite credit decisions, and administer loans
  • Communication: To respond to inquiries, provide customer support, and send updates about your account or application
  • Marketing: To send promotional communications about our services, offers, and updates (with your consent)
  • Compliance: To comply with legal obligations, including anti-money laundering (AML) and Know Your Customer (KYC) requirements
  • Analytics: To improve our website, services, and user experience
  • Fraud Prevention: To detect, prevent, and investigate fraudulent or unauthorized activity

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

  • Credit bureaus and underwriting platforms
  • Payment processors and banking partners
  • Technology and hosting providers
  • Legal and compliance consultants

Legal Requirements

We may disclose your information when required by law, regulation, or legal process, or to protect our rights, property, or safety, or that of others.

Business Transfers

If we are involved in a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of that transaction.

Important: No mobile information will be shared with third parties or affiliates for marketing or 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. SMS & Text Message Communications

If you opt in to receive SMS or text messages from us, the following terms apply:

Consent

By providing your mobile phone number and opting in, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Vail Enterprises LLC, sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.

Message Frequency

Message frequency varies. You may receive up to 4 messages per month.

Data Rates

Message and data rates may apply based on your mobile carrier's plan.

Opt-Out

You may opt out of receiving SMS messages at any time by replying STOP to any message. After replying STOP, you will receive one final confirmation message, and then no further messages will be sent.

Help

For assistance, reply HELP to any message, or contact us at solomon@vail-enterprises.com.

Consent is NOT a condition of purchase. You are not required to opt in to SMS messages to apply for or receive funding from Vail Enterprises LLC.

5. Data Security

We implement administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include:

  • Encryption of sensitive data in transit and at rest
  • Secure servers and access controls
  • Regular security audits and vulnerability assessments
  • Employee training on data privacy and security

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Lending records and documentation are retained in accordance with federal and state recordkeeping requirements.

7. Your Privacy Rights

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

  • Access: Request a copy of the personal information we hold about you
  • Correction: Request correction of inaccurate or incomplete information
  • Deletion: Request deletion of your information, subject to legal and contractual obligations
  • Opt-Out: Opt out of marketing communications or SMS messages

To exercise these rights, please contact us at solomon@vail-enterprises.com.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on this page with a revised "Last Updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.

11. Contact Us

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

Vail Enterprises LLC
1786 E 8th Street
Brooklyn, NY 11223
Email: solomon@vail-enterprises.com

Vail Enterprises LLC

Direct Business Lending
1786 E 8th Street
Brooklyn, NY 11223

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Contact

Email: solomon@vail-enterprises.com

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