Vernon Creative Consulting LLC respects your privacy and is committed to protecting the personal information you share with us. As a Florida-based private money lender, we comply with the Gramm-Leach-Bliley Act (GLBA) and the Florida Information Protection Act (FIPA) to ensure your financial data is collected, used, and protected responsibly.
1. Information We Collect
We may collect and maintain the following types of personal information:
- Personal Identifiers: Full name, mailing address, phone number, email, date of birth, Social Security Number (SSN) or Tax ID
- Financial and Loan Information: Credit reports, income details, employment data, banking info, property or asset documentation, loan amount, repayment history
- Government Identification Numbers: Driver’s license, passport, or similar IDs
- Digital Information: IP address, browser data, and cookies if you use our website
2. How We Use Your Information
We use your data to:
- Evaluate and process loan applications
- Verify your identity and assess financial risk
- Service and administer your loan
- Comply with legal and regulatory requirements
- Detect and prevent fraud or suspicious activity
- Provide customer support
- Communicate important notices or updates
We do not use your data for third-party advertising or profiling.
3. How We Share Your Information
We do not sell your personal information. We may share data with:
- Credit bureaus for application evaluation
- Third-party service providers (e.g., payment processors, IT services, legal advisors)
- Regulatory authorities as required by law or legal proceedings
- Internal affiliates or consultants assisting in underwriting or compliance
All third parties are bound by confidentiality and security obligations.
4. Your Rights Under Florida Law
Under the Florida Information Protection Act (FIPA), you have the right to:
- Request access to personal information we hold about you
- Request corrections to inaccurate data
- Be informed of any data breach involving your personal information
5. Data Security
We implement physical, electronic, and procedural safeguards in line with GLBA and FIPA to protect your information from unauthorized access, alteration, disclosure, or destruction.
6. Data Retention
We retain your information as long as required to fulfill the purposes described above and as required by financial and legal record-keeping standards.
7. Policy Updates
We may revise this Privacy Policy from time to time. Any changes will be effective immediately upon posting to our website and updated with a new effective date.
8. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your rights under applicable laws, please contact us:
Vernon Creative Consulting LLC
7901 4th Street N, Ste 300
St. Petersburg, FL 33702
Phone: (727) 213-8706
Email: vernonconsulting@gmaIL.com
