PRIVACY POLICY
Effective Date: October 8, 2026
1. INTRODUCTION
Minnow Loan, LLC ("Minnow Loan," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect information submitted through MinnowLoan.com, our online forms, and our communications with you. This policy applies to website visitors, people who request information, and people who submit a financing inquiry or application.
2. INFORMATION WE COLLECT
Information you provide. We may collect information you provide when you request information, submit a loan inquiry, apply for financing, communicate with us, or otherwise use our website. This may include your name, email address, telephone number, business or borrowing-entity information, property and project details, financing request details, and messages or documents you choose to provide.
Information collected automatically. When you visit our website, we may collect limited technical information, such as browser and device information, IP address, pages viewed, referring pages, and information collected through cookies or similar technologies where used. We use this information to operate, secure, and improve the website.
Communications information. If you contact us by phone, email, web form, or text message, we may retain the content of the communication and related contact information. If you elect to receive text messages, we may retain records of your consent, including the date, time, source, telephone number, and consent language.
3. HOW WE USE INFORMATION
We may use information to respond to inquiries; evaluate, administer, and communicate about financing requests; request additional information or documents; schedule calls or appointments; provide customer service; maintain business records; protect against fraud or security incidents; comply with legal and regulatory obligations; and improve our website and services.
We may send marketing communications only where permitted by law and, for text-message marketing, only after you separately and affirmatively opt in. Text-message consent is not a condition of submitting an inquiry, applying for financing, or receiving services.
4. TEXT MESSAGES AND MOBILE INFORMATION
Minnow Loan may send text messages only to people who separately and affirmatively opt in through an unchecked consent choice or another permitted method of consent. If you opt in to service-related messages, we may send non-marketing communications about your loan inquiry, application, underwriting, closing, appointment, requested service updates, or other transaction-related matters.
If you separately opt in to marketing messages, we may send promotional messages about loan products, financing opportunities, educational content, company news, special offers, or related marketing communications. You may agree to service-related messages, marketing messages, both, or neither.
Message frequency varies based on your inquiry, transaction, preferences, and communications with Minnow Loan. Message and data rates may apply. You may cancel the SMS service at any time by replying STOP to a Minnow Loan text message. After you send STOP, we will send one confirmation message and you will no longer receive text messages from that program unless you opt in again. For help, reply HELP, email info@minnowloan.com, or call 573.279.4355. Carriers are not liable for delayed or undelivered messages.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
5. WHEN WE MAY SHARE INFORMATION
We may share information with service providers, professional advisers, and contractors who help us operate our business, maintain systems, communicate with you, evaluate or administer a financing request, or comply with law. We may also disclose information when required by law, in response to a lawful request, to enforce our rights, or to protect Minnow Loan, our customers, or others from fraud, security threats, or harm.
We do not sell SMS opt-in data or SMS consent for marketing or promotional purposes. We do not share mobile opt-in information with third parties or affiliates for their own marketing or promotional purposes.
6. COOKIES AND ANALYTICS
Our website may use cookies or similar technologies to remember preferences, understand site usage, maintain security, and improve site performance. You can generally control cookies through your browser settings. Disabling cookies may affect certain website functions.
7. DATA SECURITY
We use reasonable administrative, technical, and organizational measures designed to protect information from unauthorized access, disclosure, alteration, or loss. No method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security. Please do not send Social Security numbers, bank credentials, dates of birth, or other highly sensitive personal information through an ordinary public website form unless Minnow Loan specifically provides a secure method.
8. DATA RETENTION
We retain information for as long as reasonably necessary for the purposes described in this Privacy Policy, to maintain business records, resolve disputes, enforce agreements, and satisfy legal, compliance, accounting, or reporting requirements.
9. YOUR CHOICES
You may contact us to request access to or correction of personal information we maintain, subject to applicable law and reasonable verification. You may opt out of promotional emails by using the unsubscribe instructions included in those emails. For text-message communications, reply STOP to opt out or HELP for assistance. Opting out of marketing communications will not prevent us from sending necessary service-related or transaction-related communications where permitted by law.
10. THIRD-PARTY LINKS AND SERVICES
Our website may link to or use third-party services, including providers that support forms, communications, document handling, or website operations. We do not control third-party websites or services and are not responsible for their content, privacy practices, availability, or security. Your use of those services is governed by their own terms and privacy policies.
11. CHILDREN'S PRIVACY
This website and our services are not directed to children under 18, and we do not knowingly collect personal information from children under 18. If you believe a child has provided us personal information, please contact us so we can address the matter.
12. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time. The most current version will be posted on this page with a revised effective date. Your continued use of the website after an update becomes effective constitutes acknowledgement of the updated policy to the extent permitted by law.
13. CONTACT US
For questions about this Privacy Policy, your information, or Minnow Loan's SMS program, contact:
Minnow Loan, LLC
500 E Broadway
Columbia, MO 65201
info@minnowloan.com
573.279.4355
