1. Introduction

This Privacy Policy describes how Turbo HELOC collects, uses, stores, and shares information obtained from Users through this website. By accessing or using this website, you acknowledge and agree to the terms described in this Policy. This Policy applies to all information submitted through the website, including through the Apply Now form, Contact form, uploaded documents, telephone or email communications, or any other interaction.

If you do not agree with the terms of this Privacy Policy, you must discontinue use of the website. Turbo HELOC reserves the right to update or modify this Policy at any time. Changes become effective immediately upon posting.

2. Information Collected from Users

Turbo HELOC collects information that Users voluntarily submit, including names, addresses, email addresses, telephone numbers, business names, financial details, descriptions of commercial financing needs, and any documentation provided during the financing inquiry process. Turbo HELOC also collects technical information automatically, including IP addresses, browser types, operating system details, device identifiers, access times, referring URLs, and website interaction patterns.

3. Use of IP Addresses

When a User's web browser requests a page from the website, the browser automatically provides its IP address to the server. Turbo HELOC records this along with related information to analyze website traffic, evaluate usage patterns, and maintain website integrity.

4. Use of Cookies and Tracking Technologies

The website may use cookies and similar tracking tools to support website functionality and enhance performance. Users may disable cookies through their browser settings; however, doing so may affect certain website functions.

5. How User Information Is Used

Information collected is used to respond to inquiries, communicate with Users, evaluate commercial financing requests, and assess the potential for business financing opportunities. Turbo HELOC may also use information to identify suitable lenders, finance companies, or investors who may wish to evaluate a User's financing needs.

6. Sharing of Information with Third Parties

By submitting information through the website, Users expressly authorize Turbo HELOC to share information with lenders, finance companies, private investors, underwriting partners, and commercial capital providers. Turbo HELOC does not sell, rent, or commercially trade User information to data brokers, marketing firms, or unrelated entities.

7. Confidentiality and Limited Disclosure

Turbo HELOC treats all information submitted through the website as confidential within the context of reviewing and pursuing commercial financing opportunities. Information may be reviewed by Turbo HELOC personnel and disclosed only as reasonably required to identify potential financing sources.

8. Security Practices

Turbo HELOC uses commercially reasonable administrative and technical measures to protect User information from unauthorized access, misuse, or disclosure, including encryption, access restrictions, and secure data storage methods. No method of transmitting information over the Internet can guarantee complete security. Users submit information at their own risk.

9. User Rights

Users may request access to previously submitted information, request corrections or updates, or request deletion from Turbo HELOC's internal systems, subject to retention requirements for compliance, legal, or business record-keeping purposes.

10. Changes to This Policy

Turbo HELOC may modify this Privacy Policy at any time. Changes become effective upon posting. Continued use of the website constitutes acceptance of the updated Policy.

11. Contact

Questions regarding this Privacy Policy may be directed to Turbo HELOC using the contact information provided on the website.

PLEASE CAREFULLY REVIEW THIS USER AGREEMENT BEFORE USING THIS WEBSITE. BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY ALL TERMS SET FORTH BELOW. IF YOU DO NOT AGREE, YOU MUST DISCONTINUE USE IMMEDIATELY.

1. Introduction

This User Agreement governs your use of this website, including all features, content, forms, documents, and communication tools. The website is owned and operated by Turbo HELOC. "Turbo HELOC," "we," and "our" refer to Turbo HELOC. "User," "you," and "your" refer to any individual or business that accesses, views, or interacts with the website.

2. Nature of Turbo HELOC's Business

Turbo HELOC is engaged in commercial financing consulting and business funding facilitation, assisting businesses seeking commercial loans, private capital, bridge financing, asset-based lending, and other business-related funding solutions. Nothing on the website should be interpreted as a loan offer, a commitment to lend, or a guarantee of credit approval.

3. Eligibility

Use of this website is permitted only to individuals and business representatives who are at least eighteen (18) years of age and who possess the legal authority to enter into binding commercial relationships. The website is not intended for individuals under eighteen years of age.

4. User Responsibilities

By accessing the website, you acknowledge that all content is intended solely for general commercial information. No content constitutes financial, legal, tax, accounting, or investment advice. You remain solely responsible for performing your own due diligence before making any decisions.

5. Submission of Information

When you submit information through any form on the website, you do so voluntarily and represent that all information provided is accurate and truthful. By submitting, you expressly authorize Turbo HELOC to contact you by telephone, email, SMS, or other commercially reasonable method, and to review, store, evaluate, and process your information for commercial financing purposes. You further authorize Turbo HELOC to share your information with lenders, finance companies, private investors, underwriting groups, and other capital providers.

6. Credit Inquiry Authorization

By submitting an application, you authorize Turbo HELOC and its designated third-party service providers to obtain your credit report through a soft credit inquiry only, for the purposes of evaluating your eligibility for commercial financing products. A soft inquiry does not affect your credit score and is not visible to other creditors.

7. Communications Consent

By providing your contact information, you give Turbo HELOC express prior consent to contact you by email, telephone, SMS text messages, and other digital communication channels regarding your inquiry, potential financing opportunities, and application status. You may opt out of SMS by replying STOP to any message.

8. Prohibited Conduct

You agree not to use the website in any manner that violates any law or regulation, interfere with the operation of the website, attempt to circumvent security measures, introduce harmful software, or engage in fraudulent or misleading conduct.

9. Disclaimer of Warranties

The website and its content are provided on an "as is" and "as available" basis. Turbo HELOC makes no warranties regarding the accuracy, completeness, reliability, security, or operation of the website or its content.

10. Limitation of Liability

To the fullest extent permitted under applicable law, Turbo HELOC shall not be liable for any damages arising from your use of the website, including lost profits, inability to secure financing, data loss, or any indirect, incidental, or consequential damages. Total cumulative liability is limited to one hundred dollars ($100.00).

11. Governing Law

This Agreement is governed by the laws of the State of Florida, without regard to principles of conflict of laws. Any dispute shall be resolved exclusively in Florida.

12. Modifications

Turbo HELOC reserves the right to update or modify this User Agreement at any time. Changes take effect immediately upon posting. Your continued use of the site constitutes acceptance of the revised Agreement.

Please read this information carefully. You are agreeing to transact business with us electronically. This means you will not receive paper copies of important notices, agreements and disclosures. By checking a box or clicking on a button, you may be providing your consent as if you had given your signature on a piece of paper.

Definitions

"We," "us," "our" and "Turbo HELOC" means Turbo HELOC, together with our affiliates and subsidiaries. "Communication" means any information that we are required by law to provide to you in writing in connection with your application or any information we may otherwise provide to you relating to any Turbo HELOC Product. "Turbo HELOC Product" means each and every account, product or service we offer that you apply for, own, use, administer or access, either now or in the future.

Electronic Delivery of Communications

By consenting to this Electronic Communications Policy, any Communications we provide to you may be provided in electronic form. We may also use electronic signatures and obtain them from you as part of our transactions with you. All communications will be provided either directly to your email address on file, on our website, or on your online account. Your consent remains in effect until you give us notice that you are withdrawing it.

Third-Party Disclosures

Turbo HELOC may partner with third-party lending institutions, service providers, and financial partners to originate, process, or service certain loan products. By consenting to this policy, you acknowledge and agree that these third-party partners may also deliver Communications to you electronically in connection with products or services facilitated through Turbo HELOC. Each third-party partner may maintain its own separate electronic communications policy, which you may be asked to review and consent to independently.

SMS/Text Message Consent

By providing your mobile phone number and consenting to this policy, you agree to receive SMS/text messages from Turbo HELOC and its authorized partners related to your loan application, account status, payment reminders, and other transactional or service-related communications. Message and data rates may apply. You may opt out at any time by replying STOP to any message. For help, reply HELP to any message.

Hardware and Software Requirements

Before you consent, you should have: access to a computer or device with Internet capability; a current browser (Chrome, Firefox, Edge, or Safari) supporting at least 256-bit encryption; and a valid email address on file. By giving your consent you are confirming that you have access to the necessary equipment and are able to receive, open, and print or download a copy of any Communications for your records.

Withdrawing Your Consent

You may withdraw your consent to receive Communications electronically by contacting us using the contact information provided on this website. Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it. If you withdraw consent, Turbo HELOC reserves the right to deny your application, restrict your online account, or charge additional fees for paper copies.

Requesting Paper Copies

If you would like a paper copy of a Communication we previously sent you electronically, you may request a copy by contacting us using the contact information provided on the website. Turbo HELOC may charge a record request fee for paper copies of each Communication.

Updating Your Contact Information

You must promptly notify us of any change to your email address, mobile phone number, or mailing address. You understand that if Turbo HELOC sends you an electronic Communication but you do not receive it because your contact information on file is incorrect or out of date, Turbo HELOC will be deemed to have provided the Communication to you.

Legal Effect

Your Electronic Communications Consent means that any Disclosures shall have the same meaning as if provided in paper form. By pressing "Submit" or similar buttons indicating your authorization, you are providing your electronic signature with the same legal effect as if your signature had been provided on paper.