This Privacy Policy explains how Loft23 LLC, doing business as Here For You Miami ("we," "us," "our"), collects, uses, shares, and protects your personal information when you visit our website, complete our loan application, or opt in to our SMS messaging program.
Quick summary. We collect your name, contact details, and basic application data to evaluate your personal loan request. We do not sell or share your phone number, mobile information, or personal data with third parties for marketing or promotional purposes. You can opt out of SMS messages at any time by replying STOP.
1. Information We Collect
1.1 Information You Provide
When you complete our loan application or contact us, we collect:
- Identity: full name
- Contact: mobile phone number, email address
- Application data: loan amount requested, your answers about visiting our office, and any additional information you share during an in-office visit (employment, income, bank account information needed to fund a loan)
- Communications: SMS messages, emails, and calls you send to us
1.2 Information Collected Automatically
When you visit our website we may collect technical data such as IP address, browser type, device type, referring URL, and pages viewed. This is used for site analytics and fraud prevention.
2. How We Use Your Information
We use the information we collect to:
- Review and process your loan application
- Contact you about your application by phone, email, or SMS (if you opt in)
- Schedule and confirm in-office appointments
- Send approval, funding, and account-servicing notifications
- Respond to questions and customer support requests
- Comply with applicable legal and regulatory obligations
- Prevent fraud, secure our systems, and improve our services
3. SMS / Text Messaging Program
SMS data is treated as restricted. Mobile phone numbers and SMS consent data are never shared with third parties or affiliates for marketing or promotional purposes, and information collected through SMS opt-in will not be sold, rented, or transferred to any third party for marketing.
3.1 Two Separate SMS Programs
We operate two distinct SMS programs, each requiring its own independent opt-in checkbox on our application form. You may opt in to one, both, or neither. Consent to either program is not a condition of any purchase or service. We do not enroll any phone number that has not been explicitly opted in by its owner.
3.2 Transactional SMS Program
When you check the Transactional SMS consent box, you will receive transactional SMS messages from Here For You Miami including:
- Loan application status updates
- Appointment confirmations and reminders
- Approval and funding notifications
- Responses to questions you send us
Message frequency varies based on your application activity. Message and data rates may apply.
3.3 Marketing SMS Program (separate opt-in)
When you separately check the Marketing SMS consent box, you will receive promotional and marketing SMS messages from Here For You Miami including:
- Special offers and promotions
- New loan product announcements
- Refinance opportunities
- Other marketing communications about our services
This opt-in is fully independent of the transactional program. Message frequency varies. Message and data rates may apply. Mobile phone numbers and SMS consent data are never shared with third parties for marketing.
3.3 Opt-Out
You may opt out at any time by replying STOP to any message you receive from us. You will receive one confirmation message and then no further texts. You can also email loftmarketing2468@gmail.com or call +1 (754) 610-2158 to be removed.
3.4 Help
Reply HELP to any message for assistance, or contact us using the email or phone above.
4. How We Share Information
We share personal information only as needed to operate our business and as described below. We do not sell your personal information.
- Service providers: trusted vendors who help us operate our website, application platform, CRM, and SMS delivery. These providers are contractually obligated to protect your data and use it only to provide services to us.
- Legal compliance: when required by law, subpoena, or to protect our rights, property, or safety, or that of our customers.
- Business transfers: if Here For You Miami is involved in a merger, acquisition, or sale of assets, your information may transfer as part of that transaction. We will notify you of any such change.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
5. Data Retention
We keep your information for as long as needed to service your application, process a loan, comply with legal obligations, resolve disputes, and enforce our agreements. Application data that does not result in a loan is retained for a reasonable period for fraud prevention and legal compliance.
6. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect your personal information. No method of transmission over the internet or method of electronic storage is 100% secure, however, so we cannot guarantee absolute security.
7. Your Rights
Depending on where you live, you may have the right to:
- Request access to the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your information (subject to legal retention requirements)
- Opt out of SMS messages at any time (reply STOP)
- Withdraw consent for processing where consent is the legal basis
To exercise these rights, email us at loftmarketing2468@gmail.com.
8. Children
Our services are intended for adults aged 18 or older. We do not knowingly collect personal information from anyone under 18.
9. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Material changes will be communicated through our website.
10. Contact Us
Questions about this Privacy Policy or our data practices? Contact:
Loft23 LLC d/b/a Here For You Miami
3400 NW 27th Ave., Unit C9
Pompano Beach, FL 33069
Phone: +1 (754) 610-2158
Email: loftmarketing2468@gmail.com
Website: apply.hereforyoumiami.co