Privacy Policy

1. Introduction

TCF Associates Inc. ("Company," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website at tcfassociate.com and use our services.

By accessing or using our website and services, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this policy, please do not access the site.

2. Information We Collect

Personal Information

We may collect personally identifiable information that you voluntarily provide to us when you:

• Fill out our contact form or funding application
• Subscribe to communications from us
• Request information about our services
• Correspond with us via email or other channels

This information may include:

• Name, email address, and phone number
• Company name and business information
• Financial information related to funding requests
• Any other information you choose to provide

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing activity, including IP address, browser type, operating system, referring URLs, pages viewed, and access times.

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide requested services
• Process and evaluate funding applications
• Send administrative and operational communications
• Send marketing and promotional communications (with your consent)
• Improve our website and services
• Comply with legal obligations

4. Information Sharing and Disclosure

We may share your information with:

• Service providers who assist in our business operations
• Professional advisors (attorneys, accountants, consultants)
• Regulatory authorities as required by law

No mobile information will be shared with third parties or affiliates for marketing or 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 Message Communications

TCF Associates Inc. may offer SMS and text message communications to individuals who provide express written consent through our website contact form or other opt-in mechanisms.

By opting in to receive SMS messages from TCF Associates Inc., you acknowledge and agree to the following:

• Messages may be sent using an automated telephone dialing system (ATDS).
• 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 of receiving SMS messages at any time by replying STOP to any message. Upon receipt of your STOP request, we will confirm your unsubscribe status and cease sending further messages.
• For assistance or questions about our SMS program, reply HELP to any message, or contact us at kyeongsoo@tcfassociate.com.
• Consent is NOT a condition of purchase. You are not required to opt in to SMS messaging to use our services or apply for funding.

We do not charge for SMS messages, but standard message and data rates from your carrier may apply. Compatible carriers include most major U.S. carriers. Service may not be available on all carriers.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience and collect usage information. You can control cookie settings through your browser preferences.

8. Third-Party Links

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

9. 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 a child has provided us with personal information, we will take steps to delete such information.

10. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access, correct, or delete your personal information
• Object to or restrict certain processing of your data
• Withdraw consent for marketing communications
• Request portability of your data

To exercise any of these rights, please contact us at kyeongsoo@tcfassociate.com.

11. Changes to This Policy

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

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

TCF Associates Inc.
722 Broadway
Highland, IL 62249
Email: kyeongsoo@tcfassociate.com