Privacy Policy

Effective Date: September 8, 2024

At Nova Capital Finance, your privacy and the security of your personal information are our top priorities. This Privacy Policy outlines how we collect, use, and protect your personal data, including sensitive information such as social security numbers and credit reports.

By using our services, you agree to the practices described in this Privacy Policy. Please take a moment to review the details below.

Information We Collect

We may collect and store the following types of information:

• Personal Information: This includes your name, address, phone number, email address, and other contact details.
• Sensitive Information: We may collect your social security number (SSN) or other identifying information to provide our services.
• Credit Information: We may perform a soft credit pull, with your consent, to obtain your credit report. A soft credit pull will not affect your credit score. Alternatively, we may request that you provide credit reports from the three major credit bureaus (Experian, Equifax, TransUnion).
• Financial Information: Relevant financial information needed to provide tailored funding solutions and credit improvement strategies.

How We Use Your Information

We use your personal and sensitive information for the following purposes:

• To provide our services: Including helping you secure funding, perform soft credit checks, and develop financial strategies.
• To verify your identity: Using your SSN and other identifying information as required.
• To improve our services: By analyzing the data we collect to enhance and customize your experience.
• To communicate with you: Regarding updates, consultations, and important service information.

How We Protect Your Information

We employ industry-standard security measures to protect your sensitive information, including:

• Encryption: We use encryption protocols to secure all personal and sensitive data transmitted via our website.
• Restricted Access: Only authorized personnel have access to your sensitive information, such as social security numbers and credit reports.
• Data Retention: We retain your personal information only for as long as necessary to provide our services or as required by law.

Soft Credit Pulls

As part of our financial services, we may perform a soft credit pull with your explicit consent. A soft credit pull allows us to access your credit report without impacting your credit score. This method provides a faster way to obtain credit information compared to submitting reports directly from credit bureaus.

There is a small $45 fee for the soft credit pull, which will be refunded if you qualify for our program. You have the option to either consent to a soft credit pull or provide us with your credit reports from the major bureaus (Experian, Equifax, and TransUnion).

Sharing Your Information

We do not sell, trade, or rent your personal information to third parties. However, we may share your data in the following circumstances:

• With service providers: Trusted third parties who assist us in delivering our services, such as credit reporting agencies or financial institutions.
• Legal obligations: If required by law, we may share your information to comply with legal processes or protect our rights.

Your Rights

You have the right to:

• Access and update your personal information: You may request access to or updates to your personal data at any time.
• Withdraw consent: You may withdraw your consent to the soft credit pull or other services at any time, though this may impact our ability to provide certain services.
• Request deletion: You can request that we delete your personal information, subject to legal obligations.

Contact Us

If you have any questions or concerns about this Privacy Policy, or if you wish to update or request the deletion of your personal information, please contact us at:

• Email: support@novacapitalfinance.com
• Phone: (678) 846-6599
• Mailing Address: 101 Fairview Rd Ste 103-116 Ellenwood, GA 30294

Nova Capital Finance reserves the right to update this Privacy Policy at any time. Any changes will be posted on this page with an updated effective date.