Privacy Policy - RET Venture LTD

Effective Date: January 1, 2026

Last Updated: January 1, 2026

Introduction

RET Venture LTD ("we," "us," "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, apply for funding, or otherwise interact with our services.

By using our services or providing us with your personal information, you consent to the practices described in this Privacy Policy.

Information We Collect

Personal Information

We may collect the following types of personal information:

Contact Information: Name, email address, mailing address, business name
Business Information: Business name, industry, revenue, time in business, ownership details
Financial Information: Bank account information, tax returns, financial statements, credit reports
Identification Information: Social Security Number, Employer Identification Number (EIN), driver's license
Communication Records: Records of correspondence, phone calls, and messages with our team

Automatically Collected Information

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

IP address and device information
Browser type and operating system
Pages viewed and time spent on our site
Referring website or source

How We Use Your Information

We use your information for the following purposes:

Loan Processing: To evaluate, process, and service funding applications and loans
Communication: To respond to inquiries, provide customer service, and send important notices
Compliance: To comply with legal and regulatory requirements, including identity verification and anti-fraud measures
Marketing: To send promotional offers, updates, and information about our services (with your consent where required)
Business Operations: To improve our services, analyze trends, and maintain our systems

SMS & Text Message Communications

Text Messaging Opt-In and Consent

By providing your mobile phone number and expressly consenting via our contact form or application, you agree to receive recurring marketing and promotional SMS/MMS messages from RET Venture LTD, including offers, updates, and information about our financial products and services, 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. Consent to receive text messages is NOT a condition of purchase or obtaining any loan or service from RET Venture LTD.

To Opt Out: Reply STOP to any message to opt out at any time. After opting out, you will receive one final confirmation message.

For Help: Reply HELP to any message for assistance, or contact us at ronan@retventure.com.

Supported Carriers: Message services are available on major U.S. carriers. Consult your carrier for details on message and data rates.

How We Share Your Information

We may share your information with third parties in the following circumstances:

Service Providers: Third-party vendors who assist with loan processing, credit reporting, payment processing, technology services, and marketing. These providers are contractually required to protect your information and use it only for specified purposes.
Credit Bureaus and Financial Institutions: We may share information with credit reporting agencies, banks, and financial partners as necessary to process and service your loan.
Legal and Regulatory Authorities: We may disclose information when required by law, court order, subpoena, or regulatory request, or to protect our rights and property.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

Mobile Information Sharing Exclusion:

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.

Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption, secure servers, access controls, and regular security audits.

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Loan-related records are typically retained for a minimum of seven years in accordance with financial industry regulations.

Your Rights and Choices

You have the following rights regarding your personal information:

Access and Correction: You may request access to or correction of your personal information by contacting us.
Opt-Out of Marketing: You may opt out of receiving promotional emails by clicking the "unsubscribe" link in any marketing email or by contacting us directly.
Opt-Out of SMS: Reply STOP to any text message to opt out of SMS communications.
Do Not Track: Our website does not currently respond to "Do Not Track" browser signals.

Please note that even if you opt out of marketing communications, we may still send you non-promotional messages related to your loan or account.

Third-Party Links

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

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a minor, we will take steps to delete it promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The "Last Updated" date at the top of this page indicates when the policy was last revised. We encourage you to review this Privacy Policy periodically.

If we make material changes, we will notify you by email or by posting a prominent notice on our website prior to the changes taking effect.

Contact Us

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

RET Venture LTD
1264 Lexington Ave
New York, NY 10028
Email: ronan@retventure.com