PRIVACY POLICY
1. Introduction
At Pique Commercial Funding, we respect your privacy and are committed to protecting your personal and financial data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our commercial mortgage brokerage services and visit our website. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access our services or website.
This Privacy Policy applies to information collected through our website, mobile applications, email communications, SMS messaging, and any other interactions you have with Pique Commercial Funding.
2. Information We Collect
In order to provide commercial mortgage brokerage services, we collect various types of information. The information we may collect includes:
2.1 Personal Identification Information
Name, mailing address, email address, telephone number, date of birth, Social Security number, driver's license number, and other government-issued identification information.
2.2 Financial Information
Bank account information, credit history, income documentation, tax returns, financial statements, debt obligations, assets, liabilities, employment history, and other financial data necessary to process commercial loan applications. Financial information is collected with your authorization and may be obtained directly from you or from third-party sources such as credit bureaus.
2.3 Property and Transaction Information
Information about commercial properties you intend to purchase, refinance, or use as collateral, including property addresses, appraisals, environmental reports, title information, purchase agreements, and lease agreements.
2.4 Business Information
Business name, type of entity, business tax identification number, business financial statements, operating agreements, articles of incorporation, and other business-related documentation.
2.5 Communications Data
Records of communications between you and Pique Commercial Funding, including emails, phone call logs, SMS messages, and notes from meetings or consultations.
2.6 Technical and Usage Data
Information our servers automatically collect when you access our website or services, such as your IP address, browser type, operating system, access times, pages viewed, referring website addresses, and device information.
3. How We Use Your Information
We use the information we collect to provide and improve our commercial mortgage brokerage services. Specifically, we may use your information to:
Process and evaluate your commercial loan applications and financing requests
Match you with appropriate lenders and financing options based on your needs and qualifications
Communicate with you about your loan application status, required documentation, and next steps
Send SMS alerts, notifications, promotions, and updates as described in our SMS Program Terms
Verify your identity and conduct background and credit checks as necessary
Comply with legal and regulatory requirements, including anti-money laundering laws and lending regulations
Maintain records of our business relationship and transactions
Improve our services, website functionality, and customer experience
Send marketing communications about our services (with your consent where required)
Detect, prevent, and address fraud, security issues, and technical problems
Respond to your questions, requests, and provide customer support
Analyze trends and user behavior to enhance our service offerings
no mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
4. Disclosure and Sharing of Your Information
We may share your information in the following circumstances:
Lenders and Financial Institutions: We share your information with potential lenders, banks, and financial institutions for the purpose of obtaining loan quotes, processing applications, and securing financing on your behalf. This is a necessary part of our brokerage service, and by using our services, you authorize these disclosures.
Third-Party Service Providers: We share your information with third parties that assist in providing our services, including credit bureaus, appraisers, title companies, escrow companies, attorneys, environmental consultants, technology service providers, and document processing services.
Legal and Regulatory Compliance: We may disclose your information to comply with applicable laws, regulations, legal processes, or governmental requests, including but not limited to responding to subpoenas, court orders, or requests from regulatory authorities.
Fraud Prevention and Security: We may share information to detect, prevent, or address fraud, security breaches, technical issues, or illegal activities, and to protect the rights, property, and safety of Pique Commercial Funding, our clients, and others.
Business Transfers: In the event of a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred to the successor entity or acquiring party.
With Your Consent: We may share your information for any other purpose with your explicit consent or at your direction.
We do not sell your personal information to third parties for their marketing purposes.
5. Cookies and Tracking Technologies
We use cookies, web beacons, pixels, and other tracking technologies on our website to enhance your experience, analyze usage patterns, and improve our services. Cookies are small data files stored on your device that help us recognize you and remember your preferences.
Types of Cookies We Use:
Essential Cookies: Necessary for website functionality and security
Performance Cookies: Help us understand how visitors interact with our website
Functionality Cookies: Remember your preferences and settings
Marketing Cookies: Track your activity to deliver relevant advertisements
Most browsers are set to accept cookies by default. You can adjust your browser settings to reject cookies, but doing so may affect the availability and functionality of our website. For more information about managing cookies, visit your browser's help section.
6. Data Security
Protecting your personal and financial information is a top priority. We implement appropriate administrative, technical, and physical security measures designed to protect your information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:
Encryption of sensitive data during transmission using SSL/TLS protocols
Secure storage of data with access controls and authentication requirements
Regular security assessments and updates to our systems
Employee training on data protection and confidentiality obligations
Restricted access to personal information on a need-to-know basis
However, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission or storage can be guaranteed to be 100% secure. We cannot guarantee the absolute security of your information. You also have a responsibility to protect your account credentials and notify us immediately of any unauthorized access.
7. Your Privacy Rights and Choices
Depending on your location and applicable law, you may have certain rights regarding your personal information:
Access: The right to request access to the personal information we hold about you
Correction: The right to request correction of inaccurate or incomplete information
Deletion: The right to request deletion of your personal information, subject to certain legal exceptions
Opt-Out of Marketing: The right to opt-out of receiving marketing communications from us
Opt-Out of SMS: The right to opt-out of SMS messages by texting STOP as described in our SMS Terms
Data Portability: The right to receive your personal information in a structured, commonly used format
Object to Processing: The right to object to certain types of processing of your information
Withdraw Consent: Where we rely on consent, the right to withdraw that consent at any time
To exercise any of these rights, please contact us using the information provided at the end of this Privacy Policy. We will respond to your request within the timeframe required by applicable law, typically within 30 days. Please note that certain rights may be limited by applicable law, and we may need to verify your identity before processing your request.
California Residents: If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, use, and disclose, and the right to request deletion of your personal information. California residents also have the right not to be discriminated against for exercising their privacy rights.
8. Children's Privacy
Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors. Commercial real estate financing requires legal capacity to enter into contracts. If we discover that we have inadvertently collected information from a person under 18, we will delete that information promptly. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.
9. International Data Transfers
Your information may be transferred to, stored, and processed in locations outside of your state, province, or country, including jurisdictions that may have different data protection laws than your jurisdiction. If you are located outside the United States and choose to provide information to us, please note that we transfer and process data in the United States.
By using our services and providing your information, you consent to the transfer of your information to the United States and other jurisdictions where we operate. We will take appropriate steps to ensure that your information receives an adequate level of protection in accordance with applicable data protection laws.
10. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The retention period depends on the nature of the information and the purposes for which it is processed.
Generally, we retain:
Loan application data: For at least 7 years to comply with lending regulations and recordkeeping requirements
Financial records: For the period required by tax and financial reporting laws
Communications records: For the duration of our business relationship and for a reasonable period thereafter
Marketing data: Until you opt-out or withdraw consent
After the retention period expires, we will securely delete or anonymize your information. We may retain certain information for longer periods where required by law or where we have a legitimate business need to do so.
11. Third-Party Websites and Services
Our website may contain links to third-party websites, services, or applications that are not operated or controlled by Pique Commercial Funding. This Privacy Policy does not apply to third-party websites or services. We are not responsible for the privacy practices of third parties, and we encourage you to review the privacy policies of any third-party sites you visit.
We may use third-party service providers to facilitate our services, including but not limited to:
Payment processors and financial institutions
Credit reporting agencies
Website hosting and analytics providers
Email and SMS communication platforms
Customer relationship management (CRM) systems
These third parties have access to your information only to perform specific tasks on our behalf and are obligated not to disclose or use it for any other purpose.
12. Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. When we make material changes, we will notify you by posting the updated Privacy Policy on our website with a new "Last Updated" date at the top of this page. We may also notify you via email or SMS if the changes are significant.
You are advised to review this Privacy Policy periodically for any changes. Your continued use of our services after any modifications to this Privacy Policy constitutes your acknowledgment of the modifications and your consent to abide by the modified Privacy Policy.
13. SMS Program and Mobile Information Privacy
This section provides additional details about our SMS messaging program and how we handle your mobile phone information.
13.1 SMS Opt-In Process
You may opt-in to receive SMS messages from Pique Commercial Funding through the following methods:
Online Forms: By completing and submitting online forms on our website where you provide your mobile phone number and check the box consenting to receive SMS messages
Loan Applications: By providing your mobile phone number during the loan application process and indicating your consent to SMS communications
Text-to-Join: By texting a specific keyword to our designated phone number as advertised on our website or marketing materials
Verbal Consent: By providing verbal consent to our representatives during phone conversations, which will be documented in your account
Your opt-in is voluntary and is not a condition of purchasing any goods or services from Pique Commercial Funding. You may opt-out at any time by texting STOP to the number from which you received our messages.
13.2 Types of SMS Messages and Frequency
Once you opt-in, you may receive the following types of SMS messages from us:
Transactional Messages: Loan application status updates, appointment confirmations, document reminders, and closing notifications
Service Alerts: Time-sensitive alerts about deadlines, required actions, rate changes, and urgent account matters
Informational Updates: General updates about your loan process, market conditions, and service enhancements
Promotional Messages: Special financing offers, rate promotions, new product announcements, and exclusive opportunities (you may opt-out of promotional messages while continuing to receive transactional messages)
Message Frequency: Message frequency varies based on your account activity and the services you are using. On average, you may receive up to 10 messages per month, though frequency may be higher during active loan processing periods or lower during inactive periods. You will never receive more messages than necessary to provide our services effectively.
13.3 Mobile Information Sharing Restrictions
No Third-Party Marketing: We will not share your mobile phone number or SMS communication history with third parties or affiliates for their marketing or promotional purposes. Your mobile information is considered highly sensitive personal data, and we maintain strict controls over its use and disclosure.
Permitted Sharing with Service Providers: We may share your mobile phone number with trusted subcontractors and service providers who assist us in delivering our services, including but not limited to:
SMS Platform Providers: Technology vendors who operate our text messaging infrastructure
Customer Service Partners: Third-party customer support teams who may need to contact you regarding your account
Telecommunications Carriers: Your mobile carrier for message delivery purposes
Loan Servicing Companies: Service providers involved in processing and servicing your loan
All subcontractors and service providers are contractually obligated to maintain the confidentiality of your mobile information and are prohibited from using it for any purpose other than providing services to Pique Commercial Funding on your behalf. They are not permitted to use your mobile information for their own marketing purposes.
Legal and Regulatory Disclosures: We may disclose your mobile information when required by law, regulation, legal process, or governmental request, or to protect our rights, property, or safety, or that of our clients or the public.
14. Contact Us About Privacy
If you have questions, concerns, or complaints about this Privacy Policy or our privacy practices, please contact us at:
Pique Commercial Funding
Privacy Officer
Email: [email protected]
Website: www.piquecommercialfunding.com
We will investigate and attempt to resolve complaints and disputes regarding the use and disclosure of personal information in accordance with this Privacy Policy and applicable law. We aim to respond to all privacy inquiries within 30 days.
Email: [email protected] Address: 2330 Scenic Hwy S. Suite 810 Snellville, GA 30078