Privacy Policy

Overview

This Privacy Policy ("Policy") applies to data collected by Neovisionary Systems LLC, doing business under the Central Street Lending brand (collectively with their respective subsidiaries and affiliates, "Central Street Lending," "Us," "Our," or "We"), a provider of commercial business funding products and related services (collectively "Services").

This Policy describes how Central Street Lending collects and uses the personal information you provide (directly or through third parties), or which is automatically generated, when you interact with our Website at centralstreetlending.com.

For purposes of this Policy, "Personal Information" means information that personally identifies you, including your contact information, IP address, and funding application information. A large portion of the Personal Information we collect, use, share, and store is sensitive in nature, including your social security number and financial account information ("Sensitive Personal Information").

Information We Collect

We collect the following information from you:

• Contact information such as name, business name, email address, mailing address, and phone number
• Financial information such as bank statements, credit card statements, average bank balance, personal and business credit history, payment behavior, bank account information, and Tax ID number
• Social Security Number (for identity verification on funding applications)
• Unique identifiers such as username, password, and IP address
• Business information including company size, type, and years in operation
• Beneficial ownership information — collected solely to verify identity as mandated by federal regulation when required

We may also collect information via site visits, credit agencies, vendors, and social media. Once you are a Central Street Lending client, we may reach out for updates when renewing or servicing your funding.

Use of Information

We use the information we collect to:

• Compile, save, use, and analyze your Personal Information to match you with appropriate funding solutions
• Operate, maintain, improve, and provide the Service
• Verify identity and conduct due diligence
• Register your account and authenticate logins
• Process funding applications and coordinate with our lender network
• Facilitate merchant processing enrollment through our partner, Worldwide Merchant Services
• Communicate confirmations, customer support, marketing, and account updates
• Conduct research and create aggregated analytics reports

Privacy and Sharing of Information

Central Street Lending may share your information with affiliates for legitimate business purposes. We share Personal Information with trusted partners and service providers only as necessary to provide our Services or as required by law. We do not sell your Personal Information.

Examples of necessary sharing include:

• Sharing funding application data with our network of approved lenders and funding partners for underwriting review
• Sharing merchant processing inquiry information with Worldwide Merchant Services and their processing network (TSYS and First Data)
• Customer support and secure data storage providers
• Credit processing and verification vendors

We may also disclose information: as required by law or legal process; to protect rights, safety, or investigate fraud; in the event of a merger, acquisition, or asset sale; or with your explicit consent.

You may opt out of certain partner marketing by emailing info@centralstreetlending.com or mailing us at the address below.

7901 4th St N STE 300, St Petersburg FL 33702

User Access and Choice

To update or delete your Personal Information, email info@centralstreetlending.com or contact us by mail. We aim to respond within 30 days. We retain information as required by law or for legitimate business purposes, typically seven (7) years for financial records.

Opt-Out Policy

To stop receiving marketing communications from Central Street Lending, you may: follow the unsubscribe link in any marketing email; adjust your communication preferences by contacting us; or email info@centralstreetlending.com with the subject line "Marketing Opt-Out." Please allow up to 10 business days for your request to take effect.

Tracking Technologies / Cookies

We and our partners use cookies and similar technologies for analytics, authentication, and marketing purposes. Cookies help us understand how visitors use our website and improve your experience.

You can control cookie settings through your browser preferences. Disabling cookies may affect the functionality of certain features on our site. Learn more at www.allaboutcookies.org.

Log Files & Behavioral Advertising

We collect log data (including IP address, browser type, ISP, referring pages, and timestamps) to improve our services. Third-party advertisers may use cookies for interest-based advertising; you may opt out through their respective tools.

Security of Information

Central Street Lending uses 128-bit TLS encryption to protect Sensitive Personal Information transmitted through our website. We implement commercially reasonable technical and organizational safeguards to protect your data from unauthorized access, disclosure, alteration, or destruction.

Third-Party Links

Our site contains links to third-party websites (including our funding application portal and partner sites) that have their own separate privacy policies. We are not responsible for the content or privacy practices of those sites.

Testimonials

Client testimonials are posted with consent. To update or remove a testimonial, contact info@centralstreetlending.com .

Social Media Widgets

Our website may include social media features whose interactions are governed by the privacy policies of those respective platforms.

Changes to This Policy

We may update this Policy from time to time and will notify you by email or website notice of material changes. Your continued use of our services after changes become effective constitutes acceptance of the updated Policy.

California Consumer Privacy Act (CCPA)

The CCPA provides various rights to consumers who reside in California with regard to personal information. Any terms defined in the CCPA have the same meaning when used in this section.

Categories of Information We Collect (California)

• Identifiers: name, alias, address, email, account name, SSN/Tax ID, driver's license, passport
• Personal Information: contact details, financial data, employment history
• Protected Classifications: age (date of birth)
• Commercial Information: property records, credit history
• Internet Activity: browsing history, device information, interaction data
• Geolocation Data: used for fraud prevention purposes
• Audio/Call Recordings: for training and compliance purposes
• Professional Information: employment or business role
• Inferences: used for credit assessment and fraud analysis

Sources include direct applications, client interactions, website activity, and third-party partners.

Your Rights (California Residents)

How to Submit a CCPA Request

• Phone: +1 (727) 275-2370
• Email: info@centralstreetlending.com

Only you (or an authorized representative) may submit a verifiable request. Include sufficient details to verify your identity. We aim to respond within 45 days (extendable to 90 days with notice). We do not charge a fee unless the request is excessive or repetitive. We do not sell Personal Information.

Contact Information