This Privacy Policy details how TMK Financial Services LLC ("TMK Financial", "we", "us", or "our") gathers, utilizes, safeguards, and shares business and principal information collected through our website, underwriting pre-assessment tools, and commercial capital services. By accessing our platform or submitting a business funding inquiry, you consent to the practices described in this statement.
1. Information We Collect
1.1 Information You Actively Provide
When applying for commercial capital or corresponding with our financial team, you provide key commercial records:
- Business Profiles: Official entity name, DBA, Tax ID / EIN, legal structure, industry classification, physical operating location, phone number, business email, monthly bank revenue averages, and planned deployment of funds.
- Principal Ownership Details: Full legal name, residential address, ownership percentage, contact information, date of birth, driver's license state and number, and Social Security Number (last 4 digits for soft qualification; full SSN only when authorized for formal funding contracts).
- Financial Records & Uploads: Business bank account statements, deposit logs, tax filings, financial statements (Profit & Loss / Balance Sheets), and voided check verification.
- Communications: Written messages, application notes, call recordings, and email history exchanged with our underwriting advisors.
1.2 Automatically Collected Site Data
When navigating our online portal, technical parameters are recorded automatically to optimize security and session integrity, including IP addresses, device types, browser specifications, referrer URLs, and interaction metrics gathered via encrypted session cookies.
1.3 Third-Party & Credit Verification Sources
With your express consent, we verify commercial profiles using reputable institutional verification channels:
- Consumer & Commercial Credit Bureaus: Soft credit inquiries through bureaus (Experian, TransUnion, Equifax, Dun & Bradstreet) that leave zero impact on your credit score during initial review.
- Bank Verification Integrations: Encrypted cash-flow insights via authorized bank aggregators (such as Plaid, MX, or direct PDF bank uploads).
- Public & Anti-Money Laundering Registries: Secretary of State entity verification, UCC lien registries, and OFAC sanctions compliance databases.
2. How We Utilize Business Information
We process submitted data exclusively for legitimate commercial funding operations:
- Evaluating cash-flow stability and matching your business with suitable funding structures (working capital advances, term loans, lines of credit).
- Submitting complete file packages to vetted lending partners upon your explicit authorization.
- Servicing active funding agreements, managing daily/weekly ACH reconciliations, and account maintenance.
- Fulfilling legal and regulatory mandates, including state commercial financing disclosures (CA SB 1235, NY CFDL, etc.) and Bank Secrecy Act compliance.
- Preventing commercial identity fraud and unauthorized account access.
3. Information Sharing & Third Parties
We prioritize strict confidentiality across all funding files:
- Authorized Capital Lenders: We share underwriting packages only with designated funding partners matched to your approval requirements. We never broadcast your application to open broker lists.
- Essential Technical Vendors: Encrypted hosting providers, document verification software, and secure email infrastructure bound by strict non-disclosure obligations.
- Legal Compliance: Disclosure to government or regulatory authorities when compelled by valid subpoena, court order, or statutory commercial disclosure laws.
4. Security Standards & Retention
All online submissions and document uploads operate under 256-bit TLS 1.3 encryption. Financial uploads are stored in isolated cloud environments with restricted, role-based employee access controls.
Application documents and transactional records are retained for a minimum of seven (7) years in accordance with federal commercial lending compliance and state record retention mandates.
5. Your Privacy Rights & Disclosures
Depending on your jurisdiction (including California CCPA/CPRA, Virginia, Utah, Connecticut, Colorado, Texas, and Oregon privacy frameworks), business principals possess specific data rights:
- Right to request access to the personal and business records stored in our systems.
- Right to correct inaccurate owner or entity records.
- Right to request deletion of non-statutory applicant records not governed by financial retention laws.
- Right to opt out of marketing calls or promotional updates at any time.
To exercise data rights or submit privacy requests, contact our Compliance Office via email at info@tmkfinancial.net.
6. SMS Communications & Opt-Out
By providing your telephone number on our forms, you authorize TMK Financial to send transactional SMS updates regarding your application status. You may opt out of text notifications at any time by replying STOP to any message or emailing info@tmkfinancial.net.