PRIVACY POLICY
Effective Date: October 25, 2025
Introduction
LVRG, LLC (doing business as "LVRG Business Funding" and "SBA Loans Michigan") is committed to protecting the privacy and security of your personal and business information. This Privacy Policy explains how we collect, use, share, store, and protect information when you visit our websites at SBALoansMichigan.com and LVRGFunding.com (collectively, the "Website") or use our services.
By using our Website or services, you consent to the data practices described in this Privacy Policy.
This Privacy Policy applies only to information collected through our Website and services. It does not apply to information collected offline or through third-party websites, even if linked from our Website.
Information We Collect
We collect information from you in several ways when you use our Website and services.
1. Information You Provide Directly
When you submit forms, apply for loans, or contact us, you may provide:
Personal Information:
Business Information:
Business name and legal structure
Business address
Employer Identification Number (EIN)
Industry type and NAICS code
Time in business
Number of employees
Annual revenue and financial performance
Business bank account information
Ownership structure and percentages
Financial Information:
Personal and business credit scores
Personal and business tax returns
Personal financial statements
Business financial statements (profit & loss, balance sheets, cash flow)
Bank statements
Asset and liability information
Existing debt obligations
Property valuations and appraisals
Loan Request Information:
Other Information:
Business plans and projections
Supporting documents you upload
Communications with our team
Feedback and testimonials
2. Information Collected Automatically
When you visit our Website, we automatically collect certain technical information:
Device and Browser Information:
IP address
Browser type and version
Operating system
Device type (desktop, mobile, tablet)
Screen resolution
Referring website URLs
Pages visited on our Website
Time and date of visits
Time spent on pages
Links clicked
Cookies and Similar Technologies: We use cookies, web beacons, pixels, and similar tracking technologies to collect information about your browsing activity. See the "Cookies and Tracking Technologies" section below for more details.
3. Information from Third Parties
We may receive information about you from third-party sources, including:
Credit Bureaus:
Personal credit reports and scores
Business credit reports and scores
Credit history and payment patterns
Partner Lenders:
Data Verification Services:
Public Records:
Other Sources:
How We Use Your Information
We use the information we collect for legitimate business purposes, including:
Primary Business Purposes:
Loan Facilitation:
Evaluating your eligibility for loan programs
Preparing and packaging loan applications
Pre-underwriting and financial analysis
Matching you with appropriate Partner Lenders
Facilitating loan submissions and underwriting
Coordinating appraisals, inspections, and due diligence
Supporting loan closing and funding processes
Customer Service and Communication:
Responding to your inquiries and requests
Providing loan status updates
Communicating about required documentation
Scheduling consultations and meetings
Following up on incomplete applications
Providing educational content about loan programs
Business Operations:
Verifying your identity and preventing fraud
Complying with legal and regulatory requirements
Managing our relationship with Partner Lenders
Processing payments and commissions
Maintaining business records
Quality assurance and training
Website and Service Improvement:
Analyzing how visitors use our Website
Identifying technical issues and errors
Improving Website functionality and user experience
Developing new features and services
Understanding user preferences and behavior
Marketing and Business Development:
Sending relevant loan program information
Providing updates about our services
Sharing educational content and resources
Conducting market research
Analyzing business performance and trends
Legal and Compliance:
Complying with federal and state lending regulations
Responding to legal process and government requests
Protecting our legal rights and interests
Enforcing our terms and policies
Preventing illegal activity and policy violations
How We Share Your Information
We share your information only as necessary to provide our services and as described in this Privacy Policy.
We Share Information With:
Partner Lenders: We share your complete loan application package with Partner Lenders for underwriting and approval purposes. This includes all personal, business, and financial information necessary to evaluate your loan request. Partner Lenders are independent third parties subject to their own privacy policies.
Service Providers: We share information with third-party service providers who perform services on our behalf, including:
Appraisal companies and property inspectors
Environmental assessment firms
Title and escrow companies
Credit reporting agencies
Identity verification services
Document management and storage providers
Email and communication platforms
Website hosting and technology providers
Analytics and tracking services
Legal and accounting professionals
All service providers are contractually obligated to maintain confidentiality and use your information only for authorized business purposes.
Professional Advisors: With your authorization, we may share information with your accountants, attorneys, financial advisors, or other professionals involved in your loan transaction.
Co-Applicants and Guarantors: We share information with co-applicants, personal guarantors, and other parties to your loan application as necessary for the transaction.
Business Partners: We may share limited information with business partners for joint marketing initiatives or referral relationships, but only with your consent.
Government Agencies: We disclose information to government agencies when required by law, including:
SBA and USDA for loan guarantee purposes
IRS for tax reporting
Regulators conducting examinations
Law enforcement in response to lawful requests
Courts pursuant to subpoenas or court orders
Legal and Safety Purposes: We may disclose information when we believe disclosure is necessary to:
Comply with legal obligations
Protect our rights, property, or safety
Protect the rights, property, or safety of others
Prevent fraud or illegal activity
Enforce our agreements and policies
Business Transfers: If LVRG, LLC is involved in a merger, acquisition, sale of assets, bankruptcy, or other business transaction, your information may be transferred as part of that transaction. You will be notified of any such change in ownership or control.
We Do NOT:
❌ Sell personal or business information to third parties
❌ Rent or lease information to marketers or data brokers
❌ Share information with unrelated third parties for their marketing purposes
❌ Engage in lead generation sales
❌ Share information for purposes unrelated to your loan inquiry
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our Website and to collect information about how you use our services.
What Are Cookies?
Cookies are small text files stored on your device when you visit a website. They allow the website to recognize your device and remember information about your visit.
Types of Cookies We Use:
Essential Cookies (Required):
Enable core Website functionality
Remember your preferences and settings
Maintain security and prevent fraud
Required for the Website to function properly
Analytics Cookies (Optional):
Track how visitors use the Website
Collect information about pages visited and time spent
Help us understand user behavior and improve the Website
We use Google Analytics and similar services
Marketing Cookies (Optional):
Track visitors across websites
Display relevant advertisements
Measure advertising effectiveness
Used for remarketing campaigns on platforms like Google Ads and Facebook
Other Tracking Technologies:
Web Beacons/Pixels: Small invisible images embedded in emails and web pages to track opens, clicks, and conversions.
Local Storage: Browser-based storage used to save data locally on your device.
Session Replay: Technology that records user interactions with the Website to improve user experience (if applicable).
Third-Party Cookies:
Third-party services we use may set their own cookies, including:
These third parties have their own privacy policies governing their use of your information.
Managing Cookies:
Browser Settings: Most browsers allow you to control cookies through their settings. You can:
Block all cookies
Block third-party cookies only
Delete cookies after each session
Receive alerts when cookies are being set
Note: Blocking or deleting essential cookies may prevent certain Website features from functioning properly.
Opt-Out Tools: You can opt out of certain tracking:
Do Not Track: Some browsers have a "Do Not Track" feature that signals websites not to track you. Our Website does not currently respond to Do Not Track signals, but you can use the opt-out tools above.
Data Security
We implement reasonable and appropriate security measures to protect your personal and business information from unauthorized access, disclosure, alteration, and destruction.
Security Measures Include:
Technical Safeguards:
SSL/TLS encryption (minimum 256-bit) for data transmission
Encrypted data storage
Secure cloud-based infrastructure with enterprise-grade security
Firewalls and intrusion detection systems
Regular security monitoring and vulnerability scanning
Multi-factor authentication for employee access
Secure password policies
Physical Safeguards:
Secure office premises with controlled access
Locked file cabinets for physical documents
Secure disposal of documents containing sensitive information
Visitor sign-in and escort procedures
Administrative Safeguards:
Access controls limiting information to authorized personnel only
Employee confidentiality agreements
Security training for employees
Incident response procedures
Regular security audits and assessments
Vendor security requirements
Data Breach Notification:
In the unlikely event of a data breach that compromises your personal information, we will notify you as required by applicable law. Notification will be provided via email, mail, or prominent Website notice, and will include:
Description of the breach
Types of information affected
Steps we're taking to address the breach
Steps you can take to protect yourself
Contact information for questions
Limitations:
Despite our security measures, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information. You are responsible for maintaining the confidentiality of any passwords or account credentials you use to access our services.
Data Retention
We retain your information for as long as necessary to fulfill the purposes described in this Privacy Policy and to comply with legal and regulatory requirements.
Retention Periods:
Active Loan Applications: Information is retained for the duration of the loan application process and, if approved, for the life of the loan plus applicable record retention periods.
Closed/Denied Applications: Information for applications that do not result in funding is typically retained for 7 years to comply with banking regulations, tax requirements, and statute of limitations periods.
Marketing Communications: Contact information for marketing purposes is retained until you opt out or request deletion.
Website Analytics: Analytics data is typically retained for 26-38 months depending on the service used.
Legal Holds: Information subject to legal holds, litigation, government investigations, or other legal requirements is retained for as long as required.
Deletion:
After retention periods expire, we securely delete or anonymize information in accordance with our document retention and destruction policies. Deletion methods include:
Secure digital deletion (overwriting data)
Physical destruction of paper records (shredding)
Anonymization of data used for research or analysis
You may request deletion of your information subject to legal retention requirements (see "Your Privacy Rights" below).
Your Privacy Rights
You have certain rights regarding your personal information under applicable privacy laws.
Rights Available to All Users:
Access: You have the right to request access to the personal information we hold about you. We will provide you with a copy of your information in a commonly used format.
Correction: You have the right to request correction of inaccurate or incomplete personal information. We will make reasonable efforts to correct your information promptly.
Deletion: You have the right to request deletion of your personal information, subject to:
Legal and regulatory retention requirements
Pending or ongoing loan applications
Legitimate business needs
Legal obligations and disputes
Opt-Out of Marketing: You have the right to opt out of receiving marketing communications from us at any time by:
Clicking "unsubscribe" in any marketing email
Replying "STOP" to text messages
Emailing hello@sbaloansmichigan.com with "OPT OUT" in the subject line
Calling (855) 998-5874
Note: Even if you opt out of marketing, we may still send you transactional communications related to your loan application or account.
Revoke Consent: If we process your information based on your consent, you have the right to withdraw that consent at any time. This does not affect the lawfulness of processing before you withdrew consent.
Additional Rights for California Residents (CCPA/CPRA):
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):
Right to Know: You have the right to request detailed information about:
Categories of personal information we collect
Categories of sources from which we collect information
Business or commercial purposes for collecting information
Categories of third parties with whom we share information
Specific pieces of personal information we collected about you
Right to Delete: You have the right to request deletion of personal information we collected from you, subject to certain exceptions.
Right to Correct: You have the right to request correction of inaccurate personal information.
Right to Opt-Out of Sale/Sharing: We do not sell or share personal information as defined by CCPA/CPRA. If our practices change, we will provide a clear opt-out mechanism.
Right to Limit Use of Sensitive Personal Information: We do not use or disclose sensitive personal information for purposes other than those permitted by CCPA without your consent.
Right to Non-Discrimination: You have the right to exercise your privacy rights without receiving discriminatory treatment, including:
Authorized Agent: You may designate an authorized agent to make requests on your behalf. The agent must provide proof of authorization.
Response Time: We will respond to your requests within 45 days. If we need more time, we will notify you and may take up to 90 days total.
Verification: To protect your privacy, we will verify your identity before responding to requests. We may request additional information to verify your identity, such as matching information you provide with information we have on file.
How to Exercise Your Rights:
To exercise any of these rights, contact us:
Email: hello@sbaloansmichigan.com
Phone: (855) 998-5874
Mail:
LVRG, LLC
615 Griswold St., Suite 700
Detroit, MI 48226
Subject Line: Include "PRIVACY REQUEST" or "CCPA REQUEST" in the subject line
Required Information: Please provide:
Your full name
Email address and phone number
Description of your request
Verification information (to confirm your identity)
We do not charge a fee to process privacy requests unless they are excessive, repetitive, or manifestly unfounded. We reserve the right to charge a reasonable fee or refuse to act on such requests.
Children's Privacy
Our Website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18.
If you are under 18, do not:
If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly.
If you believe we have collected information from a child under 18, please contact us immediately at hello@sbaloansmichigan.com.
Links to Third-Party Websites
Our Website may contain links to third-party websites, including:
Partner Lender websites
Government agency websites (SBA, USDA)
Social media platforms
Business resources and tools
Service provider websites
We are not responsible for the privacy practices of third-party websites. These websites are governed by their own privacy policies, which may differ from ours.
We encourage you to review the privacy policies of any third-party websites you visit. Providing information to third-party websites is at your own risk.
The inclusion of links does not imply our endorsement of the linked website or its privacy practices.
International Data Transfers
LVRG, LLC is based in the United States and our services are primarily directed to businesses located in the United States, particularly Michigan.
If you access our Website from outside the United States, please be aware that:
Your information will be transferred to and processed in the United States
U.S. privacy laws may differ from the laws of your country
By using our Website, you consent to the transfer of your information to the United States
We use cloud-based service providers that may store data on servers located in multiple countries. However, we take steps to ensure that your information receives adequate protection wherever it is processed.
California "Shine the Light" Law
California Civil Code Section 1798.83 permits California residents to request information about disclosure of personal information to third parties for their direct marketing purposes.
We do not share personal information with third parties for their direct marketing purposes as defined by California's "Shine the Light" law.
If you are a California resident and would like to make a request under this law, contact us at hello@sbaloansmichigan.com with "SHINE THE LIGHT REQUEST" in the subject line.
Nevada Residents
Nevada residents have the right to opt out of the sale of certain covered information collected by website operators to third parties who will sell or license that information to others.
We do not sell covered information as defined by Nevada law. If you are a Nevada resident and would like to make a request under Nevada law, contact us at hello@sbaloansmichigan.com.
Changes to This Privacy Policy
We reserve the right to modify, update, or revise this Privacy Policy at any time to reflect changes in our practices, services, legal requirements, or for other operational reasons.
Notice of Changes:
The "Effective Date" at the top of this Privacy Policy will be updated
Material changes will be communicated via email (if we have your email address) or through a prominent notice on our Website
Your continued use of our Website or services after changes are posted constitutes acceptance of the revised Privacy Policy
Your Responsibility: We encourage you to review this Privacy Policy periodically to stay informed about how we collect, use, and protect your information.
If you do not agree with any changes to this Privacy Policy, you must stop using our Website and contact us to request deletion of your information (subject to legal retention requirements).
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
LVRG, LLC
d/b/a LVRG Business Funding and SBA Loans Michigan
Mailing Address:
615 Griswold St., Suite 700
Detroit, MI 48226
Email: hello@sbaloansmichigan.com
Phone: (855) 998-5874
Business Hours: Monday-Friday, 9:00 AM - 6:00 PM EST
Websites:
SBALoansMichigan.com
LVRGFunding.com
For Privacy-Specific Inquiries:
Please include "PRIVACY INQUIRY" in your email subject line or mention it when calling so we can direct your request to the appropriate person.
For California Privacy Rights Requests:
Please include "CCPA REQUEST" in your email subject line.
We will respond to your inquiry as promptly as possible, typically within 10 business days for general inquiries and within 45 days for formal privacy rights requests.
Last Updated: October 25, 2025
© 2025 LVRG, LLC. All Rights Reserved.