Privacy Policy

Last updated: 31 August 2026

This Privacy Policy explains how Spes Financials ("Spes Financials," "we," "us," or "our") collects, uses, discloses, and protects the personal information of applicants and visitors to this website and application portal (the "Services"). By using the Services, you agree to the practices described here.

1. Who we are

Spes Financials operates a commercial financing origination platform. Depending on the product, Spes Financials may act as a direct funder or as a broker arranging financing through third-party lenders. The funder for any specific offer is identified in your offer terms. Legal entity: SPES FINANCIAL CORP. Registered address: Florida. Contact: privacy@spesfinancials.com.

2. Information we collect

• Business information — legal name, DBA, entity type, EIN, formation state, industry, address, revenue and financial details.
• Owner / personal information — names, dates of birth, Social Security numbers, driver's licence details, home address, contact details, and ownership percentages of owners and guarantors.
• Financial and banking information — bank account and routing numbers, processor and card-volume data, existing financing positions.
• Documents — bank statements, identification, utility bills, voided cheques and other files you upload.
• Technical data — IP address, device and browser information, and activity logs generated as you use the Services.

3. How we use your information

• To evaluate, underwrite, and process your financing application and to make or arrange offers.
• To verify identity, prevent fraud, and meet legal, regulatory, and know-your-customer obligations.
• To communicate with you about your application, offers, and account.
• To operate, secure, and improve the Services.

4. Credit inquiries

Submitting an application authorises a soft credit check, which does not affect your credit score. A hard credit inquiry, which may affect your score, is performed only later — before final funding — and only with your authorisation at that time.

5. How we share information

We may share your information with: partner lenders and funding sources for the purpose of evaluating and funding your request; service providers who support underwriting, identity verification, document storage, communications, and hosting; and as required by law, regulation, subpoena, or to protect our rights. We do not sell your personal information for money. Where applicable, see our Do Not Sell or Share notice regarding certain data-sharing rights.

6. How we protect information

Sensitive fields — including Social Security numbers and bank account and routing numbers — are encrypted at rest. Access to complete applicant files is restricted to authorised staff, protected by mandatory two-factor authentication, and every access is recorded in an append-only audit log. No method of transmission or storage is completely secure, but we maintain administrative, technical, and physical safeguards designed to protect your information.

7. Data retention

We retain personal information for as long as necessary to provide the Services, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. Certain uploaded identity documents are held encrypted and are scheduled for deletion after funding or decline, subject to legal retention requirements.

8. Your rights

Depending on your state of residence, you may have rights to access, correct, delete, or restrict the use of your personal information, and to opt out of certain sharing. To exercise these rights, contact us at privacy@spesfinancials.com. California residents: see the Do Not Sell or Share My Personal Information notice.

9. Cookies

The Services use cookies and similar technologies to keep you signed in, remember your progress, and secure the site. You can control cookies through your browser settings; disabling them may affect functionality.

10. Changes to this policy

We may update this Privacy Policy from time to time. Material changes will be posted here with a revised "Last updated" date.

11. Contact

Questions about this policy or your information: privacy@spesfinancials.com · Florida.