Privacy Policy

SHARP FINANCIAL SERVICES PRIVACY POLICY

Effective: December 1, 2025

At Sharp Financial Services (“Sharp Financial Services,” “Sharp FS,” “we,” “us,” or “our”), your privacy is important to us. This Privacy Policy explains the types of information we collect, how and why we collect it, how it is used and shared, and the rights and choices available to you.

Please review this Privacy Policy carefully. By accessing or using our website, platform, or services (collectively, the “Platform”), you acknowledge and agree to the practices described in this Privacy Policy. If you do not agree, please do not use our Platform.

Our goal is to maintain your trust and confidence when handling your Personal Data. The security of your personal information is our priority. We protect this information by maintaining physical, electronic and procedural safeguards that meet applicable law.

If you have any questions or concerns, you may contact us at any time using the information provided in the Contact Us section.

Table of Contents

Key Terms & Applicability
Personal Information We Collect
How We Collect Personal Information
How We Use Personal Information
How We Share Personal Information
Your Choices and Rights
Children’s Privacy
Data Security
California Privacy Addendum (CCPA/CPRA)
International Users
Do Not Track Signals
Changes to This Privacy Policy
Contact Us
Glossary

1. Key Terms & Applicability

Definitions

Personal Information / Personal Data: Information that identifies, relates to, describes, or can reasonably be linked to you or your device, directly or indirectly. This does not include aggregated or de-identified information.
Platform: Our website and any related online services or functionality. Services: Financing brokerage services, consultations, applications, document processing, and related offerings.

When This Privacy Policy Applies

This Privacy Policy applies to Personal Information we collect when you:

Visit or use our Platform
Apply for financing or related services
Submit documents or communicate electronically
Make payments or conduct transactions

When This Policy Does Not Apply

This Privacy Policy does not apply to:

In-person or face-to-face interactions
Audio-only telephone conversations
Third-party websites or platforms linked from our Platform
Information governed by separate notices or lender-specific disclosures

2. Personal Information We Collect

Information You Provide Directly

You may provide Personal Information including:

Name, email address, phone number
Business and ownership information
Equipment and transaction details
Financial, banking, and credit-related information
Applications, contracts, invoices, titles, identification documents
Payment-related information

Payment Processing

Payments may be processed through third-party providers (including QuickBooks). Sharp Financial Services does not store full payment card or bank account numbers and receives only tokenized or confirmation data.

3. How We Collect Personal Information

Automatic Data Collection

When you interact with our Platform, we may automatically collect:

IP address and general location (city/state level only)
Browser type, device type, operating system
Pages visited, dates, times, and referring URLs
Interaction and usage data

Cookies & Tracking Technologies

We use cookies, pixels, web beacons, and similar technologies to:

Enable Platform functionality
Maintain security
Perform analytics and measure performance

You may adjust cookie settings through your browser. Disabling cookies may limit Platform features.

Third-Party Sources

We may receive Personal Information from:

Lenders, dealers, and financial partners
Service providers
Publicly available or lawful data sources

4. How We Use Personal Information

We use Personal Information to:

Provide, operate, and administer our Services
Process applications, payments, and transactions
Communicate regarding accounts, requests, and updates
Improve Platform performance and user experience
Conduct analytics, research, and service optimization
Detect, prevent, and respond to fraud or security risks
Comply with legal, regulatory, and contractual obligations

Marketing

We may contact you regarding services that may be of interest. You may opt out at any time.

5. How We Share Personal Information

We may share Personal Information with:

Banks, lenders, and financial institutions
Equipment dealers related to your transaction
Service providers (hosting, analytics, IT, payments)
Professional advisors (legal, accounting, compliance)
Government or regulatory authorities when required

When you provide information to us, Sharp Financial Services may share your information with service providers we have retained to perform services on our behalf. These service providers are given only the personal data necessary to perform the specific tasks requested and are not authorized to use or disclose your information except as required to perform services for us or to comply with legal requirements. We maintain contracts with these providers that require them to adhere to the same confidentiality standards that govern our own practices.

We may also share your information with our affiliates and business partners to fulfill your requests, service your account, improve our services, and to develop, inform you about, and provide offers related to our products, services, and events, as well as those of our affiliates and business partners.

Sharp Financial Services may share a customer’s financial information with credit bureaus, banks, and financing sources involved in transactions with that customer, particularly in cases where transactions may be syndicated or involve multiple funding sources.

Sharp Financial Services may use one or more digital advertising or bid management systems, which may be integrated with customer relationship management (CRM) software and may access customer data. Such data may also be shared with third-party agencies for optimization purposes.

Information collected through email communications is stored with our CRM providers. We may also share information with third parties for services that we believe may be of interest to our clients or customers.

Sharp Financial Services may share analytics and performance data—such as application volume, funded amounts related to vendor partners, losses, reasons for losses, and customer satisfaction data—with vendor partners for purposes such as establishing credit eligibility (including obtaining credit scores) and determining potential eligibility for additional credit.

We may also disclose your information:

when required or permitted by law or legal process;
to law enforcement authorities;
when we believe disclosure is necessary to prevent physical harm or financial loss or in connection with investigations of suspected or actual illegal activity;
in the event that all or part of Sharp Financial Services, or its assets, are acquired, merged, sold, or otherwise transferred to one or more third parties; or
in the event of bankruptcy or similar proceedings.

We may aggregate information collected about our customers and users of our website, including traffic patterns and service usage, and share this data in aggregate form with service providers, affiliates, and business partners. This aggregated information does not personally identify any individual.

Some content, functionality, and services on our website may be provided by third parties that are not affiliated with Sharp Financial Services. These third parties may collect information about your use of our website through cookies, web beacons, or similar technologies and may combine such information with data collected across other websites and online services. Sharp Financial Services is not responsible for the privacy practices of third parties or for the accuracy of information obtained from them.

Sharp Financial Services does not sell, rent, lease, or otherwise share personal information with third parties for their own marketing purposes.

6. Your Choices and Rights

Marketing Preferences

Unsubscribe via email links
Request text message opt-out by contacting us

Access, Correction & Deletion

Subject to applicable law, you may request to:

Access your Personal Information
Correct inaccuracies
Request deletion

Email requests to info@sharfinservices.com .

7. Children’s Privacy

Our Platform is not intended for individuals under 18 years of age. We do not knowingly collect Personal Information from minors.

8. Data Security

We use reasonable administrative, technical, and physical safeguards to protect Personal Information. However, no security technology is completely secure, and you should remember that email is not a secure means of communication. While we strive to protect the information that we maintain, due to the inherent nature of the Internet, we cannot (and do not) guarantee, and make no representation or warranty about, the security of any information that you transmit to us or which is stored by us.

Sharp Financial Services understands the importance of your privacy rights and takes their protection seriously. We recognize that you have placed your trust in us, and we strive to preserve that trust as a priority.

9. California Privacy Addendum

This section applies only to California residents and supplements the Privacy Policy above.

Categories of Personal Information Collected

Identifiers (name, email, phone number)
Commercial information
Financial and transaction data
Internet activity (IP address, browsing interactions)
Professional or business information

Purposes for Collection

Providing and administering Services
Processing transactions
Security and fraud prevention
Legal compliance
Analytics and service improvement

Your California Privacy Rights

You have the right to:

Know what Personal Information we collect, use, and disclose
Access your Personal Information
Request deletion of Personal Information
Correct inaccurate Personal Information
Not be discriminated against for exercising these rights

This California Consumer Privacy Act Privacy Policy (the “CCPA Privacy Policy) describes the ways Sharp Financial Services., and its affiliates, subsidiaries and related entities (collectively, “we” or “us” or “Sharp Financial Services”) collect, store, use, disclose, and protect Personal Data received from our actual and prospective customers and clients. This privacy policy is applicable only to California residents, and supplements the Sharp Financial Services Privacy Policy. As required in the California Consumer Privacy Act of 2018 (the “CCPA”), this policy describes the rights available to California consumers (defined as California residents) regarding their personal information, and our practices regarding the collection, use, disclosure, and sale of personal information as defined in the CCPA.

Under the CCPA, California resident rights include:

Right to Know: This is your right to know what categories of personal information we collect about you, how we use your personal information, whether we share, disclose and/or sell your personal information to third parties, and what other rights you may have under the CCPA with respect to your personal information;
Right to Delete: This is your right to request that we delete the personal information we have collected from you and maintain in our systems, subject to certain exceptions that permit us to keep your personal information for specific purposes;
Right to Access: This is your right to request access to the personal information we have collected about you;
Right to Opt-Out of Sale: This right allows you to opt-out of the sale of your personal information to third parties; and
Right to Non-Discrimination/Equal Service: This right means that we will not discriminate against you in any manner because you elect to exercise any of your rights under the CCPA.

THE CATEGORIES OF PERSONAL INFORMATION ABOUT YOU THAT WE COLLECT, USE, AND/OR DISCLOSE UNDER THE CCPA

In addition to the disclosures in the Privacy Policy, the CCPA requires that we provide you with certain, additional disclosures.

The Categories of Personal Information We Collect under the CCPA

Sharp Financial Services collects the following categories of personal information, as defined in the CCPA, about California consumers:

Personal identification information, including: name, date of birth, address, social security number or country identification number, passport number, driver’s license number, home phone numbers, personal cell phone numbers, personal email addresses and country of citizenship information;
Protected classification characteristics under California or federal law (e.g., age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex, veteran, or military status;
Commercial information (e.g., records of personal property, past business transactions, ownership information, vendor information, financial statements, credit explanations and credit histories, bank account statements, facility lists, and bank account details);
General geolocation data.

The Sources from Whom We Collect Personal Information under the CCPA

We collect personal information about you from a variety of sources. These sources include:

Information you provide to us directly, indirectly, advertently, and inadvertently (which may be obtained from emails, web forms or in other manners);
Information we may automatically collect such as your IP address, the name of the domain you used to access the Internet, the link that brought you to our website and any links clicked within our website;
Information obtained from third parties (e.g. credit bureaus, background check companies, business verification sites such as Secretaries of State, the Federal Department of Transportation’s Safety and Fitness Electronic Records (SAFER) system); and
Publicly available information about you.

How We Use the Categories of Personal Information We Collect under the CCPA

We may use the personal information we collect about you to:

Fulfill our contract with you;
Decide whether to enter into a contract with you;
Determine the creditworthiness of a prospective customer, help prevent fraud and verify safety records;
Evaluate and process client transactions;
Create and administer a Sharp Financial Services account, including managing billing, invoicing, and debt collection activities.
Fulfil our legal requirements (e.g. to comply with or respond to respond to a request or requirement pursuant to law, regulation, or from a governmental or judicial body, or to help prevent fraud or for risk management purposes);
Protect our rights, our personnel, our property, and the safety of others;
Maintain our accounting, tax, and other records;
Comply with applicable federal and state laws and regulations, as well as for the general administration of our business;
Deliver and personalize communications with you; Create internal business and marketing reports; and
provide advertising and marketing to you.

The Categories of Personal Information We Disclose or Sell to Third Parties under the CCPA

Sharp Financial Services does not sell your personal information to third parties for monetary consideration or for any purpose, including advertising or marketing. In some limited situations, Sharp Financial Services may disclose or make available certain personal identifiers, as defined by the CCPA, to service providers who perform services on our behalf for specific business purposes. In those instances, these service providers will be given only the Personal Data needed to perform the tasks we request of them and they are not authorized by us to use or disclose your information except as necessary to perform services on our behalf or to comply with legal requirements. We have contracts in place holding these companies to the same standards of confidentiality by which we are governed. Sharp Financial Services engages service providers for the following business purposes:

To fulfill your requests and service your account, improve our services, and to inform you about and provide you with offers about our products, services, events, as well as those of our affiliates and business partners;
Obtaining credit and reporting credit information with credit bureaus, banks, and financing sources involved in transactions with you, particularly for transactions that are syndicated;
Digital advertising bid management systems, which may be integrated with customer relationship management (CRM) software to pull customer data. Such data may also be made available to a third-party agency for optimization. All information that is collected by means of email is stored with our CRM providers. We may also share information with third parties for services that we believe may be of interest to clients/customers;
Analytics and performance data – such as application counts, funded dollars related to vendor, losses, reasons for losses, and customer satisfaction data – with vendor partner companies for the purpose of establishing credit eligibility (such as to obtain your FICO score) and determining potential eligibility for additional credit;
Auditing; and
Performing business activities and functions on our behalf to support our interactions with you, such as billing and collections, payment processing, analytics and research, marketing, and fraud prevention; The CCPA does not restrict Sharp Financial Services’ ability to disclose the personal information identified earlier in this policy to third parties for the following purposes, including to:
Comply with federal, state, or local laws;
Comply with a civil, criminal, or regulatory inquiry, investigation, subpoena, or summons by federal, state, or local authorities;
Cooperate with law enforcement agencies concerning conduct or activity that the business, service provider, or third party reasonably and in good faith believes may violate federal, state, or local law;
Exercise or defend legal claims;
Collect, use, retain, sell, or disclose consumer information that is deidentified or in the aggregate consumer information; and/or
Collect or sell a consumer’s personal information if every aspect of that commercial conduct takes place wholly outside of California.

YOUR RIGHTS TO KNOW, REQUEST ACCESS TO AND/OR

DELETION OF PERSONAL INFORMATION AND HOW TO EXERCISE THOSE RIGHTS

With certain limitations, the CCPA establishes your right to request access to the personal information we collect about you, and the right to request the deletion of the personal information we collect from you. In order to submit a verifiable consumer request, please visit the “How You Can Submit A Verifiable Consumer Request for Access to and/or Deletion of Your Personal Information” section below.

Right to Know What Personal Information We Have Collected About You under the CCPA and Other California Law

The CCPA requires that, upon request, we provide you with the following information:

the categories of personal information we have collected about you;
the categories of sources from which the personal information is collected;
the business or commercial purpose for collecting, disclosing or selling, if applicable, the personal information;
the categories of third parties with whom we have shared or sold, if applicable, your personal information; and
the specific pieces of personal information we have collected about you.

This is known as your “right to know” under the CCPA.

Right to Request Access to the Personal Information We Have Collected About You

The CCPA also provides that we provide you with access to the actual personal information we have collected about you in the preceding twelve (12) months; this is known as your “right to access.” The CCPA requires us to comply with up to two (2) access requests in a twelve (12)-month period, which are subject to limitations for manifestly unfounded or excessive requests. In addition, there are some types of personal information that we will not return to you in response to your access request because of the inherently sensitive nature of such information which could create a substantial, articulable, and unreasonable risk to the security of that personal information. This includes your Social Security number, driver’s license number or other government-issued identification number, financial account number, health insurance or medical identification number, account password, or security questions and answers.

Right to Request Deletion of the Personal Information We Have Collected from You

If you want us to delete the personal information we have collected from you, subject to a verifiable consumer request, we will delete your personal information from our systems, subject to certain exceptions for which it is necessary for us to continue to retain such information. We will also notify any service providers and third parties with whom we have shared your personal information of your request. As noted above, your deletion request is subject to certain exceptions which we may rely on where it is necessary for us to:

Complete the transaction for which the personal information was collected, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
Identify and repair errors that impair existing intended functionality of our services;
Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research if you have provided informed consent;
To enable solely internal uses that are reasonably aligned with the expectations of the consumer based on the consumer’s relationship with us;
Comply with a legal obligation; or
Otherwise use the personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

If any of these exceptions apply, Sharp Financial services is not required to delete your personal information. In the event that we deny your request to delete based on any of these exceptions, we will inform you, in writing, of the reason.

How You Can Submit A Verifiable Consumer Request for Access to and/or Deletion of Your Personal Information

Sharp Financial services takes the responsibility of protecting your privacy and the information it collects about you seriously. Given the sensitive nature of the information under the CCPA and as proscribed by the law itself, it is essential that we verify your identity in order to process your request. Sharp Financial Services has trained dedicated team members to conduct the identity verification process. If we cannot verify your identity, we cannot fulfill your request.

It may take up to forty-five (45) days to fulfill your request, or up to a total of ninety (90) days if additional time is needed. In the event that we cannot complete your request within the initial forty-five (45) day period, we will notify you in writing within the initial forty-five (45) day period.

To exercise one or more of your CCPA rights, please submit a verifiable consumer request:

Via our dedicated CCPA request email address at info@sharpfinservices.com;
By calling our toll-free number at 916.885.4041

The CCPA allows you to authorize another person to make a verifiable consumer request on your behalf. If an authorized agent will be submitting a request for access to or deletion of personal information on your behalf, the authorized agent should submit the request via the methods described above. As part of the authorized agent request process, Sharp Financial Services will use reasonable efforts to verify your identity, as well as the identity of your authorized agent to ensure that your agent has been properly authorized by you to request information on your behalf.

How to Submit a Request

Email: info@sharpfinservices.com

We may verify your identity before responding.

Sale or Sharing of Personal Information

Sharp Financial Services does not sell Personal Information as defined by California law.

International Users

Our Platform is intended for use within the United States only. All data is processed and stored in the U.S.

How Long We Store Your Personal Data

We shall store your Personal Data based on business needs and legal requirements. We retain your Personal Data for as long as is necessary for the processing purpose(s) for which the information was collected, and any other permissible, related purpose. For example, we may retain certain Personal Data to comply with regulatory requirements regarding the retention of such data. When Personal Data is no longer needed, we securely destroy the data.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted with a revised effective date. Continued use of the Platform constitutes acceptance of changes.

Sharp Financial Services 📍 Plaza at Stanford Ranch

2204 Plaza Drive, Unit 130

Rocklin, CA 95765

📞 (916) 885-4041

📧 info@sharpfinservices.com

Glossary

Cookies: Small files stored on a device to enable website functionality Pixel / Web Beacon: Tracking technologies used for analytics and email interaction
Unique Identifier: A code used to recognize a device or browser
De-Identified Data: Data that cannot reasonably identify an individual