Privacy Policy

Last Updated: April 6, 2026

A & G Collective ("we," "our," or "us") 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.

1. Information We Collect

Personal Information

We collect personal information that you voluntarily provide when you:

Apply for business financing
Contact us via forms, email, or other communication channels
Subscribe to our communications
Participate in surveys or promotions

This information may include:

Name, business name, and contact information (email, mailing address)
Business tax identification numbers and financial information
Credit history and financial statements
Other information relevant to loan applications and business services

Automatically Collected Information

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

IP address, browser type, and operating system
Pages visited, time spent on pages, and referring website
Cookies and similar tracking technologies (see our Cookie Policy)

2. How We Use Your Information

We use the information we collect to:

Process and evaluate loan applications
Provide, maintain, and improve our financial services
Communicate with you about your application, account, and our services
Comply with legal obligations and regulatory requirements
Prevent fraud and ensure security
Analyze website usage and optimize user experience
Send marketing communications (with your consent)

3. SMS & Text Message Communications

Important SMS Consent Information:

By providing your mobile phone number and expressly consenting through our contact form, you agree to receive marketing and promotional SMS/MMS messages from A & G Collective, 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.

Costs: Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

Opt-Out: Reply STOP to opt out at any time. After opting out, you will receive one final confirmation message.

Help: Reply HELP for assistance or contact us at info@aandgcollective.com.

Consent Not Required: Consent is NOT a condition of purchase or use of our services. You may contact us through alternative methods.

Privacy 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.

4. How We Share Your Information

We May Share Your Information With:

Service Providers: Third-party vendors who perform services on our behalf (payment processing, credit reporting, data analysis, email delivery, hosting services)
Business Partners: Financial institutions and partners involved in loan origination and servicing
Legal Requirements: Government authorities, regulators, or law enforcement when required by law or to protect our rights
Business Transfers: In connection with a merger, sale, or transfer of company assets

We Do NOT:

Sell your personal information to third parties
Share your mobile opt-in data or consent with third parties for their marketing purposes
Rent or lease your contact information

5. Data Security

We implement administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. However, no electronic transmission or storage system is 100% secure, and 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. Financial records are retained in accordance with applicable banking and lending regulations.

7. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

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 personal information (subject to legal retention requirements)
Opt-Out: Unsubscribe from marketing communications at any time
Data Portability: Request transfer of your data to another service (where applicable)

To exercise these rights, contact us at info@aandgcollective.com.

8. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

Right to know what personal information is collected, used, shared, or sold
Right to delete personal information (subject to exceptions)
Right to opt-out of the sale of personal information (we do not sell personal information)
Right to non-discrimination for exercising your privacy rights

9. 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 learn that we have collected information from a child without parental consent, we will delete that information.

10. 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. Please review their privacy policies before providing any information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top indicates when changes were made. We encourage you to review this policy periodically. Continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Us

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

A & G Collective
1960 University Avenue
Berkeley, CA 94704
Email: info@aandgcollective.com

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