Privacy Policy

Effective Date: January 1, 2026

VILLAPAS SERVICE INC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

1. Information We Collect

Personal Information

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

• Request information about our financial products and services
• Submit a loan or financing application
• Contact us through our website or email
• Subscribe to our communications

This information may include:

• Name and contact information (email address, mailing address)
• Business information (business name, industry, revenue)
• Financial information (bank statements, tax returns, credit history)
• Other information relevant to your financing request

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including:

• IP address
• Browser type and version
• Pages visited and time spent on pages
• Referring website addresses

2. How We Use Your Information

We use the information we collect to:

• Process and evaluate your financing applications
• Provide, operate, and maintain our services
• Communicate with you about your account and our services
• Send you marketing and promotional communications (with your consent)
• Improve our website and customer experience
• Comply with legal obligations and industry regulations
• Detect and prevent fraud or unauthorized activity

3. SMS & Text Message Communications

If you opt in to receive SMS/text messages from VILLAPAS SERVICE INC, the following terms apply:

Consent

By providing your mobile phone number and checking the SMS opt-in box on our contact form, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from VILLAPAS SERVICE INC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).

Message Frequency & Rates

Message frequency varies. You may receive up to 4 messages per month. Message and data rates may apply depending on your mobile carrier plan.

Opt-Out

You can opt out of receiving text messages at any time by replying STOP to any message you receive from us. After you send the message "STOP," we will send you a confirmation message acknowledging your opt-out request. You will no longer receive messages from us.

Help & Support

For assistance, reply HELP to any message or contact us at juan@villapasservice.com.

Consent Not a Condition

Consent to receive SMS messages is NOT a condition of purchase or of receiving any goods or services from VILLAPAS SERVICE INC.

Mobile Information Privacy

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.

4. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as:

• Credit reporting agencies
• Payment processors
• Background check and verification services
• Technology and hosting providers

Legal Compliance

We may disclose your information if required by law or in response to valid legal requests, such as subpoenas, court orders, or regulatory inquiries.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your 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.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Financial records may be retained for up to 7 years in accordance with federal lending regulations.

7. Your Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access the personal information we hold about you
• The right to request correction of inaccurate information
• The right to request deletion of your information (subject to legal obligations)
• The right to opt out of marketing communications

To exercise these rights, please contact us at juan@villapasservice.com.

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 under 18. If we become aware that we have collected information from a child under 18, we will take steps to delete that information.

10. 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 "Effective Date." Your continued use of our website or services after any changes constitutes your acceptance of the updated Privacy Policy.

11. Contact Us

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

VILLAPAS SERVICE INC
10080 Intercom Drive Unit A3
Fort Myers, FL 33912
Email: juan@villapasservice.com