Privacy Policy

1. Information We Collect

Valtero Group Inc ("Company," "we," "us," or "our") collects information you provide directly to us, information we collect automatically when you visit our website, and information from third-party sources as described in this Privacy Policy.

Information You Provide

• Contact information: Name, email address, business name, business address, and industry type.
• Financial information: Business revenue, time in business, funding amount requested, and other business financial details necessary to evaluate a funding application.
• Communication preferences: Your consent (or lack thereof) to receive SMS/MMS marketing communications from us.
• Correspondence: Messages, inquiries, and records of communications when you contact us by email or through our website forms.

Information We Collect Automatically

• Log data: IP address, browser type, operating system, referring URL, pages visited, and timestamps.
• Device information: Hardware model, operating system version, unique device identifiers, and mobile network information.
• Usage data: Clickstream data, page views, session duration, and interaction patterns.
• Cookies and similar technologies: As described in Section 6 below.

2. How We Use Your Information

We use the information we collect to operate, maintain, and improve our services. Specifically, we use your information to:

• Evaluate and process business funding applications;
• Communicate with you about your application, account, and transactions;
• Send you marketing and promotional communications (where you have expressly opted in);
• Comply with applicable laws, regulations, and legal obligations;
• Detect, investigate, and prevent fraudulent transactions and other illegal activities;
• Analyze trends and usage patterns to improve our website and services;
• Respond to your comments, questions, and requests.

We will only use your personal information for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason compatible with the original purpose.

3. SMS Communications

Valtero Group Inc may send SMS/MMS text messages to users who have expressly opted in to receive such communications. The following terms govern our SMS program:

No Sharing of SMS Opt-In Data

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.

SMS opt-in and consent data is used solely to send the specific communications you requested and to maintain compliance records as required by applicable telecommunications regulations.

4. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following limited circumstances:

Service Providers

We may share your information with third-party vendors and service providers that perform services on our behalf, such as web hosting, data analysis, payment processing, email delivery, and customer service. These providers are contractually obligated to protect your information and may only use it to provide services to us.

Legal Requirements

We may disclose your information if we believe disclosure is in accordance with, or required by, any applicable law or legal process, including lawful requests by public authorities to meet national security or law enforcement requirements.

Business Transfers

In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company, your information may be transferred as a business asset.

With Your Consent

We may share your information with third parties when we have your consent to do so.

Excluded from Sharing: 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.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL/TLS encryption for data transmitted to and from our website;
• Access controls limiting information access to authorized personnel only;
• Regular security assessments and vulnerability monitoring;
• Secure data storage practices in compliance with applicable standards.

Please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

6. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to collect and track information about your activities on our website. Cookies are small data files stored on your device.

Types of Cookies We Use

• Essential Cookies: Necessary for the website to function properly and cannot be disabled.
• Analytics Cookies: Help us understand how visitors interact with our website by collecting and reporting information anonymously.
• Preference Cookies: Allow the website to remember choices you make and provide enhanced, personalized features.

You can control and manage cookies through your browser settings. Disabling cookies may limit your ability to use certain features of our website.

7. Your Rights & Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• Access: The right to request a copy of the personal information we hold about you.
• Correction: The right to request that we correct inaccurate or incomplete information.
• Deletion: The right to request that we delete your personal information, subject to certain exceptions.
• Opt-Out of Marketing: The right to opt out of receiving marketing communications from us at any time.
• Data Portability: The right to receive a copy of your personal information in a structured, machine-readable format.

To exercise any of these rights, please contact us at jonathan@valtero-group.com or by mail at the address below. We will respond to your request within 30 days.

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to know whether personal information is sold or disclosed and to whom, the right to say no to the sale of personal information, and the right to equal service and price.

Nevada Residents

Nevada residents may opt out of the sale of their personal information by sending a request to jonathan@valtero-group.com.

8. 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 we learn that we have collected personal information from a child under 18, we will take steps to delete such information promptly. If you believe we have collected information from a minor, please contact us at jonathan@valtero-group.com.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, and other factors. When we make material changes, we will revise the "Last Updated" date at the top of this page and, where required by law, notify you by email or through a notice on our website.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

10. Contact Us

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