Privacy Policy — Chill Consultants LLC

1. Introduction

Chill Consultants LLC ("Company," "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 at chill-consultants.com, use our 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.

2. Information We Collect

We may collect the following types of personal information:

Contact Information: Name, email address, phone number, and mailing address.
Business Information: Business name, industry, revenue, and funding needs.
Financial Information: Bank statements, tax returns, and other financial documents provided as part of a funding application.
Technical Information: IP address, browser type, device information, and website usage data collected via cookies and analytics tools.
Communication Records: Emails, form submissions, and other correspondence with our team.

3. How We Use Your Information

We use the information we collect for the following purposes:

To process and evaluate funding applications.
To communicate with you about our products and services.
To send marketing and promotional messages (with your consent).
To improve our website, products, and customer experience.
To comply with legal and regulatory obligations.
To protect against fraud and unauthorized activity.

4. Information Sharing and Disclosure

We may share your personal information in the following circumstances:

Service Providers: With trusted third-party vendors who assist us in operating our business (e.g., payment processors, CRM platforms, IT providers), subject to confidentiality obligations.
Legal Compliance: When required by law, court order, or governmental authority.
Business Transfers: In connection with a merger, acquisition, or sale of assets.
With Your Consent: When you have given us explicit permission to share your information.

No mobile information will be shared with third parties/affiliates for marketing/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.

5. SMS/Text Messaging Privacy

If you opt in to receive SMS/MMS messages from Chill Consultants LLC, the following terms apply:

Messages are sent using an automated telephone dialing system (ATDS).
You may receive recurring marketing and promotional messages, including offers, updates, and information about our financial products and services.
Message frequency varies; you may receive up to 4 messages per month.
Message and data rates may apply depending on your mobile carrier and plan.
You may opt out at any time by replying STOP to any message.
For help or questions, reply HELP to any message or email us at carolyn@chill-consultants.com.
Consent to receive SMS/MMS messages is NOT a condition of purchase or use of our services.
Your opt-in consent and mobile information, including your phone number, will not be shared with or sold to third parties for marketing or promotional purposes.

6. Cookies and Tracking Technologies

Our website may use cookies, web beacons, and similar technologies to collect usage data and improve your experience. You can control cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features on our website.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we will securely delete or anonymize it.

9. Your Rights

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

The right to access your personal information.
The right to correct inaccurate information.
The right to request deletion of your information.
The right to opt out of marketing communications.
The right to restrict or object to certain processing activities.

To exercise any of these rights, please contact us at carolyn@chill-consultants.com.

10. Third-Party Links

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

11. 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 become aware that we have collected information from a child, we will take steps to delete it promptly.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

13. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

Chill Consultants LLC
1673 North 1740 West
Provo, UT 84604
Email: carolyn@chill-consultants.com