Privacy Policy

Last Updated: April 1, 2026

Pennysdream Inc ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

We collect information that you provide directly to us, including:

  • Personal Information: Name, email address, phone number, company name, and business information you submit through our contact forms or loan applications.
  • Financial Information: Business financial data, bank account information, tax records, and other documentation required for lending decisions.
  • Communication Records: Records of correspondence, emails, phone calls, and text messages exchanged between you and Pennysdream Inc.
  • Usage Data: Information about how you access and use our website, including IP address, browser type, pages visited, and time spent on pages.

How We Use Your Information

We use the information we collect for the following purposes:

  • To evaluate and process loan applications and financing requests
  • To communicate with you regarding your inquiries, applications, and account status
  • To verify your identity and prevent fraud
  • To improve our services, website functionality, and customer experience
  • To comply with legal obligations and regulatory requirements
  • To send marketing communications (only with your consent)

Disclosure of Your Information

We may share your information with third parties in the following circumstances:

  • Service Providers: Third-party vendors who perform services on our behalf, such as payment processing, data analysis, credit reporting, and technology infrastructure.
  • Business Partners: Financial institutions, underwriters, and lending partners involved in funding decisions and loan servicing.
  • Legal Compliance: Government agencies, regulators, and law enforcement when required by law or to protect our rights and interests.
  • Business Transfers: In connection with any merger, acquisition, financing, or sale of company assets.

SMS & Text Message Communications

If you opt in to receive SMS/text messages from Pennysdream Inc, the following terms apply:

Consent and Opt-In: By providing your mobile phone number and checking the SMS opt-in box on our contact form, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Pennysdream Inc, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).

Message Frequency: Message frequency varies. You may receive up to 4 messages per month, though the actual number may be lower depending on your interaction with our services and current promotions.

Message and Data Rates: Message and data rates may apply. Standard text messaging charges from your mobile carrier will apply to all SMS communications.

Opt-Out: You can opt out of SMS communications at any time by replying STOP to any text message you receive from us. After you send STOP, we will confirm your opt-out via one final message.

Help: For assistance, reply HELP to any message or contact us at penny@pennysdreamfinancial.com.

Not a Condition of Purchase: Consent to receive text messages is NOT a condition of purchase or using our services. You may choose to receive communications via other channels such as email or phone calls.

Mobile Information Privacy: 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.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include encryption, secure server infrastructure, access controls, and regular security audits. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Financial and transactional records are retained in accordance with federal and state record-keeping requirements.

Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

  • Access: Request a copy of 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 retention requirements)
  • Objection: Object to certain processing activities
  • Portability: Request transfer of your information to another service provider

To exercise these rights, please contact us at penny@pennysdreamfinancial.com.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance user experience, analyze website traffic, and deliver personalized content. You can control cookie preferences through your browser settings, though disabling cookies may limit certain website functionality.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

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 we learn that we have collected information from a child under 18, we will promptly delete that information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated policy on our website with a revised "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated Privacy Policy.

Contact Us

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

Pennysdream Inc
Email: penny@pennysdreamfinancial.com