Privacy Policy
Effective Date: 9/9/2025
Last Updated: 9/9/2025
1. Introduction
SeaBreeze Funding Advisors (“we,” “us,” or “our”) is a New York-based hard money lending firm committed to protecting the privacy and security of our clients’ personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data in compliance with applicable federal and New York State laws, including the SHIELD Act and NYDFS Cybersecurity Regulation.
2. Information We Collect
We may collect the following categories of personal and financial information:
– Identifiers: Full name, address, email, phone number, Social Security number, driver’s license number.
– Financial Data: Income, credit history, bank account details, property ownership records.
– Loan Information: Application details, loan terms, collateral, repayment history.
– Online Activity: IP address, browser type, device information, and usage data from our website.
3. How We Use Your Information
We use your information to:
– Evaluate and process loan applications.
– Underwrite and service loans.
– Communicate with you regarding your account or loan.
– Comply with legal and regulatory obligations.
– Prevent fraud and unauthorized access.
– Improve our services and website functionality.
4. Legal Basis for Processing
We process your data based on:
– Your consent.
– Contractual necessity (e.g., loan agreements).
– Legal obligations (e.g., anti-money laundering laws).
– Legitimate interests (e.g., fraud prevention, service improvement).
5. Sharing of Information
We may share your information with:
– Service Providers: Vendors who assist in loan processing, underwriting, and servicing.
– Affiliates: Entities under common ownership for operational purposes.
– Regulators and Law Enforcement: As required by law or regulation.
– Legal and Compliance Professionals: For audits, litigation, or regulatory inquiries.
We do not sell your personal information.
6. Data Security
In accordance with the SHIELD Act and NYDFS Cybersecurity Regulation, we implement:
– Administrative Safeguards: Employee training, access controls.
– Technical Safeguards: Encryption, firewalls, secure servers.
– Physical Safeguards: Secure office facilities and document storage.
We conduct annual risk assessments and report any data breaches within 72 hours as required.
7. Your Rights
If the New York Privacy Act (NYPA) is enacted, you may have rights to:
– Access your personal data.
– Request corrections or deletions.
– Opt out of data sharing or targeted advertising.
– Request data portability.
Currently, you may request access or corrections by contacting us at [Insert Contact Info].
8. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to:
– Enhance user experience.
– Analyze website traffic.
– Provide personalized content.
You can manage cookie preferences via your browser settings.
9. Children’s Privacy
Our services are not intended for individuals under 18. We do not knowingly collect data from minors.
10. Changes to This Policy
We may update this Privacy Policy periodically. Updates will be posted on this page with the revised effective date.
11. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact:
SeaBreeze Funding Advisors
Phone: 516-635-8802
Email: [email protected]