Privacy Policy

This Privacy Policy describes how NORVEX HOLDINGS INC ("NORVEX," "Company," "we," "us," or "our"), a financial services company located at 1222 Avenue M, Brooklyn, NY 11230 (EIN: 42-3170358), collects, uses, and shares information about you when you use our website, services, or communicate with us.

By using our website or services, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

Information You Provide Directly

We collect information you voluntarily submit to us, including:

• Name, email address, and business information submitted via our contact or application forms
• Business financial information necessary to evaluate funding applications
• Communications you send to us via email or other channels
• SMS consent preferences and related opt-in information

Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address, browser type, and operating system
• Pages viewed, time spent, and referring URLs
• Device identifiers and general geographic location (city/region level)

Cookies and Tracking Technologies

We may use cookies and similar technologies to improve your experience on our site. You may disable cookies through your browser settings, though some functionality may be affected.

2. How We Use Your Information

We use the information we collect to:

• Evaluate and process funding applications
• Communicate with you about your application or inquiry
• Provide, maintain, and improve our services
• Send marketing and promotional communications you have consented to receive
• Comply with legal and regulatory obligations
• Detect and prevent fraud or unauthorized access
• Analyze website usage to improve our user experience

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

• Service Providers: We may share information with third-party vendors who assist in operating our website and services (e.g., hosting, analytics, email delivery), subject to confidentiality obligations.
• Legal Requirements: We may disclose information when required by law, court order, or governmental authority.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
• With Your Consent: We may share information for other purposes with your explicit consent.

4. SMS / Text Message Communications

By opting in to receive SMS messages from NORVEX HOLDINGS INC, you agree to the following terms:

5. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with our legal obligations, resolve disputes, and enforce our agreements. Application data may be retained for regulatory compliance purposes.

6. Security

We implement commercially reasonable technical and administrative safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• 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.
• Opt-Out of Marketing: Unsubscribe from marketing emails at any time by clicking "unsubscribe" in our emails. Opt out of SMS by replying STOP.

To exercise these rights, please contact us at jonathan@norvex-holdings.com.

8. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to request deletion, and the right to opt out of the sale of personal information. We do not sell personal information. To submit a CCPA request, contact us at jonathan@norvex-holdings.com.

9. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us and we will promptly delete it.

10. Third-Party Links

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

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the revised policy on our website with a new effective date. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

12. Contact Us