Privacy Policy
Effective Date: November 1, 2025

This Privacy Policy (the "Policy") governs the manner in which Pavlick Lending Group ("we," "us," or "our") collects, uses, maintains, and discloses information collected from users ("you" or "your") of our website, services, and SMS communication platforms. By accessing or using our website or services, including opting in to SMS communications, you expressly acknowledge and agree to the terms and conditions of this Policy. This Policy is legally binding, and by engaging with our services, you signify your acceptance of the terms outlined herein. If you do not agree to this Policy, you must immediately cease using our services.

1. Information We Collect

Pavlick Lending Group is committed to safeguarding the privacy of our users. We collect the following types of information to provide our services, operate our business, and comply with applicable laws:

Personal Information:

This includes information that directly identifies you, such as your name, email address, phone number, and financial details provided through loan applications or other forms.

Non-Personal Information:

Technical data, such as IP addresses, browser types, and usage information, is collected through cookies, analytics, and other tracking technologies to improve our website and services.

Sensitive Information:

This includes financial data, credit history, and other details necessary for evaluating loan applications. Such information is collected and stored with advanced encryption to ensure confidentiality.

Consent Records:

We maintain documentation of your explicit consent for SMS communications, including time-stamped records of opt-ins obtained via forms, verbal agreements, inbound text messages, or mobile QR codes.

All information is collected lawfully and exclusively for the purposes explicitly described in this Policy.

2. How We Use Your Information

We use your information strictly in compliance with applicable laws for the following purposes:

• Service Delivery: To process loan      applications, verify eligibility, and communicate updates.
• SMS Notifications: To send updates regarding      loan statuses, payment reminders, or promotional offers with your consent.
• Improvement of Services: To conduct analytics and      enhance user experience.
• Compliance: To meet legal, regulatory,      and contractual obligations.
• Marketing Communications: To send promotional      material only if you have provided explicit consent, with the option to      unsubscribe at any time.

We will not use your information for any purposes not disclosed in this Policy without your express consent.

3. Consent to SMS Communications

We comply with the Telephone Consumer Protection Act (TCPA) and other applicable laws governing SMS communications. SMS messages are only sent to individuals who have provided explicit, verifiable consent via:

• Verbal Consent: Clearly documented      acknowledgment of your agreement to receive SMS communications.
• Website Forms: Opt-in checkboxes with      clear disclosures.
• Paper Forms: Written consent with      explicit language for SMS communications.
• Inbound Text Messages: When you text us first, we      will confirm your agreement before further communication.
• Mobile QR Codes: Scanning QR codes will      direct you to a webpage with an opt-in form outlining SMS terms and      conditions.

All consent records are securely stored for verification and compliance purposes.

4. Opt-Out Rights and Messaging Frequency

You may opt out of SMS communications at any time. Opt-out methods include:

• Replying STOP: Reply "STOP" to      any SMS you receive. You will receive confirmation of your opt-out      request.
• Contacting Us Directly: Email or call us to request      removal from SMS lists.

SMS communications are limited to no more than five messages per week unless otherwise authorized. Each message will:

• Identify "Pavlick Lending      Group" as the sender.
• Include disclaimers such as:      "Message and data rates may apply. Reply STOP to opt out or HELP for      assistance."
• Provide access to customer      support via HELP commands.

Failure to opt out will be interpreted as continued consent.

5. Data Security and Protection

We employ robust administrative, technical, and physical safeguards to protect your information, including:

• Encryption: All sensitive data is      encrypted during transmission and at rest.
• Access Controls: Only authorized personnel      with legitimate business needs may access your information.
• Monitoring: Continuous system      monitoring and regular vulnerability assessments.
• Incident Response: Notifications to affected      individuals and authorities in the event of a data breach.

We disclaim liability for unauthorized access resulting from user negligence (e.g., sharing passwords).

6. Sharing and Disclosure of Information

We do not sell, rent, or share your personal information for commercial purposes without your consent. However, we may disclose information under these circumstances:

• Service Providers: Trusted third-party vendors      assisting with SMS delivery, payment processing, or analytics under      confidentiality agreements.
• Legal Compliance: Disclosure required by      subpoenas, court orders, or regulatory obligations.
• Business Transactions: In the event of a merger,      acquisition, or sale, your information may be transferred under the terms      of this Policy.

Aggregated, anonymized data may be disclosed for research or analysis purposes.

7. Mobile Information Policy

• Pavlick Lending Group, Frequency      may vary. Message & Data Rates May Apply. Reply STOP to opt out of      further messaging or reply HELP for more information. View our terms and      privacy policy at our website:      www.pavlicklendinggroup.com/privacypolicy.com
• Mobile information will not be      shared, sold, or conveyed to third parties for marketing/promotional      purposes.

8. Updates to This Policy

This Policy may be updated at any time. Changes take effect immediately upon publication on our website. Material changes will be communicated to users with active accounts or SMS subscriptions. Continued use of our services after updates constitutes acceptance of the revised terms.

9. Governing Law

This Policy is governed by the laws of the State of Idaho, without regard to conflict of law provisions. Disputes arising from this Policy will be resolved exclusively in Idaho courts.

10. Contact Us

For questions, concerns, or requests regarding this Policy, contact us:

Pavlick Lending Group LLC
Phone: 715-257-4517
Email: curtis@pavlicklendinggroup.com
Website: www.pavlicklendinggroup.com

Your use of our services confirms your acknowledgment of and agreement to this Privacy Policy.