Last Updated: January 2024
TCF Associates Inc ("we," "us," "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
Information We Collect
Personal Information
We may collect personal information that you voluntarily provide to us when you:
- Submit a funding application or consultation request
- Contact us via email, phone, or our contact form
- Subscribe to our communications
- Engage with our services
This information may include:
- Name and business name
- Email address
- Phone number
- Business address
- Financial information relevant to funding applications
- Other information you choose to provide
Automatically Collected Information
When you visit our website, we may automatically collect certain information about your device, including:
- IP address
- Browser type and version
- Operating system
- Referral source
- Pages visited and time spent on pages
How We Use Your Information
We use the information we collect to:
- Process and evaluate funding applications
- Communicate with you about our services
- Respond to your inquiries and requests
- Send you marketing and promotional communications (with your consent)
- Improve our website and services
- Comply with legal obligations
- Prevent fraud and enhance security
SMS & Text Message Communications
Important Information About Text Messaging:
By providing your phone number and expressly consenting via our contact form, you agree to receive recurring marketing and promotional SMS/MMS messages from TCF Associates Inc, 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 based on your mobile carrier's plan.
Opt-Out: You may opt out at any time by replying STOP to any text message from us. After sending STOP, you will receive one additional message confirming your opt-out.
Help: For assistance, reply HELP to any message or contact us at tom@tcfassociate.com.
Consent Not Required: Consent to receive text messages is NOT a condition of purchase or of using any of our services. You may contact us through other means.
Supported Carriers: Participating carriers include AT&T, T-Mobile, Verizon Wireless, Sprint, and others. Carrier message and data rates may apply. Not all mobile devices or carriers may be supported.
Information Sharing and Disclosure
We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:
Service Providers
We may share information with trusted third-party service providers who assist us in operating our business, such as:
- Payment processors
- Technology service providers
- Marketing service providers
- Analytics providers
These service providers are contractually obligated to protect your information and use it only for the purposes we specify.
Legal Requirements
We may disclose your information when required by law, regulation, legal process, or governmental request, or when we believe disclosure is necessary to:
- Comply with applicable laws and regulations
- Protect our rights, property, or safety
- Prevent fraud or abuse
- Enforce our terms and conditions
Business Transfers
In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction.
Mobile Opt-In Data Protection:
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.
Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- Encryption of data in transit and at rest
- Secure server infrastructure
- Regular security assessments
- Access controls and authentication
- Employee training on data protection
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.
Your Privacy Rights
Depending on your location, you may have certain rights regarding your personal information:
- Access: Request access to the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information
- Opt-Out: Opt out of marketing communications at any time
- Data Portability: Request a copy of your data in a structured format
To exercise any of these rights, please contact us at tom@tcfassociate.com.
Cookies and Tracking Technologies
We may use cookies and similar tracking technologies to collect information about your browsing activities. You can control cookies through your browser settings. Note that disabling cookies may affect the functionality of our website.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.
Children's Privacy
Our services are not directed to 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 such information.
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 new Privacy Policy on this page and updating the "Last Updated" date. Your continued use of our services after such changes constitutes your acceptance of the updated policy.
Contact Us
If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:
TCF Associates Inc
722 BROADWAY
HIGHLAND, IL 62249
Email: tom@tcfassociate.com