Cool designs INC ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. 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
We collect information that you provide directly to us, including:
- Name, business name, and contact information (email address, phone number, mailing address)
- Business information (industry, revenue, time in business)
- Financial information required for loan underwriting
- Communications with us through email, phone, or our website
- Application and transaction information
Automatically Collected Information
When you access our website, we may automatically collect certain information, including:
- IP address and device information
- Browser type and operating system
- Pages visited and time spent on our site
- Referring website or search terms
2. How We Use Your Information
We use your information for the following purposes:
- To process and evaluate loan applications
- To communicate with you about our services
- To provide customer support and respond to inquiries
- To improve our website and services
- To comply with legal and regulatory requirements
- To detect and prevent fraud
- To send marketing communications (with your consent)
3. SMS & Text Message Communications
SMS Opt-In: By providing your mobile phone number and consenting to receive SMS communications, you agree that Cool designs INC may send you text messages related to your loan application, account updates, and other service-related notifications. We may use an automatic telephone dialing system (ATDS) for these communications.
Message Frequency: Message frequency may vary depending on your account activity and application status. You may receive up to 10 messages per month.
Message and Data Rates: Message and data rates may apply depending on your mobile carrier plan. Please contact your carrier for details about your messaging plan.
Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP to any text message we send. You will receive a confirmation message confirming your opt-out.
Help: For assistance, reply HELP to any message, or contact us at isaac@cool-designs.com.
Consent Not Required: Consent to receive SMS messages is NOT a condition of purchase or receiving financing services from Cool designs INC. You may still apply for and receive funding without opting into SMS communications.
Carrier Liability: We are not liable for delayed or undelivered messages. Mobile carriers are not liable for message content.
4. Information Sharing and Disclosure
We do not sell your personal information. We may share your information with:
- Service Providers: Third-party vendors who assist us in providing our services (payment processors, credit bureaus, data analytics)
- Legal Compliance: When required by law, regulation, or legal process
- Business Transfers: In connection with a merger, acquisition, or sale of assets
- Fraud Prevention: To protect against fraud and unauthorized transactions
5. Data Security
We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:
- Encryption of sensitive data in transit and at rest
- Regular security assessments and audits
- Limited access to personal information on a need-to-know basis
- Secure data storage and backup procedures
However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
6. Your Privacy Rights
Depending on your location, you may have the following rights regarding your personal information:
- Access: Request access to 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 obligations)
- Opt-Out: Opt out of marketing communications
- Data Portability: Request a copy of your information in a portable format
To exercise these rights, contact us at isaac@cool-designs.com.
7. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our website. You can control cookie preferences through your browser settings. However, disabling cookies may limit your ability to use certain features of our site.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.
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 you believe we have collected information from a child, please contact us immediately.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.
11. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
Cool designs INC
580 5th Avenue STE 721A
NEW YORK, NY 10036
Email: isaac@cool-designs.com