Privacy Policy

What we collect

When you submit a request or chat with Neo, we collect the information you provide: name, email, phone, business details, requested funding amount and goal, and — if you continue with a match — supporting documents such as bank statements, identity, and ownership information.

We also collect basic usage data (pages visited, approximate location from IP, device and browser type) through cookies and analytics tools to run and improve the site.

How we use it

We use your information to review your request, match it to lender-fit options, communicate with you about it, and operate the service. With your consent given at submission, we may contact you about your request by phone, email, or text message. Message and data rates may apply; you can opt out of texts by replying STOP and of emails via the unsubscribe link.

Who we share it with

To process a request we share relevant information with the lenders and funding partners your request is matched to, and with service providers who operate parts of the service (hosting, analytics, communications) under confidentiality obligations. We do not sell your personal information.

We may also disclose information when required by law or to protect the rights, safety, or property of Specter Loans, our users, or others.

Retention and security

We keep request information for as long as needed to provide the service and meet legal and audit obligations, then delete or de-identify it. Documents are transmitted and stored using industry-standard encryption. No method of transmission or storage is completely secure; we cannot guarantee absolute security.

Your choices and rights

You may request access to, correction of, or deletion of your personal information by emailing sales@spectersystems.io. Depending on where you live, you may have additional rights under applicable privacy laws; we honor verified requests to the extent the law requires.

Children

This service is for businesses and their authorized representatives. It is not directed to anyone under 18, and we do not knowingly collect information from them.

Changes and contact

We may update this policy as the service evolves; the date above reflects the latest revision. Material changes will be posted on this page. Questions: sales@spectersystems.io.