Privacy Policy

Effective date: November 10, 2026

Credit Simplicity is a commercial and industrial (C&I) loan brokerage operated by Sean Healey. We help businesses arrange financing with banks and other lenders. We are an advisor and broker, not a lender.

Contact: Credit Simplicity, PO Box 26252, Santa Ana, CA 92799 · (949) 620-5278 · info@creditsimplicity.com

Information we collect

Depending on how you work with us, we may collect:

• Contact information, such as your name, business name, email address, phone number, and mailing address.
• Business and personal financial information you provide in an application, interview, form, email, or portal, including ownership details, loan request information, financial statements, tax returns, debt schedules, accounts receivable and payable information, and similar underwriting materials.
• Documents you upload or send to us, such as PDFs, spreadsheets, photos, and other files supporting a financing request.
• Call recordings and transcripts. Calls with us may be recorded, and we may create written transcripts of those calls.
• Text messages you send to or receive from us, including the phone number used and the content of the messages.
• Website and technical information that is typically collected when you use creditsimplicity.com, such as pages visited, device and browser type, and IP address.

How we use information

We use this information to operate Credit Simplicity and to provide our services, including to:

• Communicate with you about an inquiry, application, or existing matter.
• Prepare a lender-ready financing package and arrange financing on your behalf.
• Share your information with prospective lenders and other financing sources when you have asked us to seek financing or otherwise consented to that sharing.
• Maintain records, improve our processes, train and review staff and systems, and protect the security of our services.
• Comply with law, respond to lawful requests, and enforce our terms.

How we share information

We share information with prospective lenders and financing sources in order to evaluate and arrange a loan or other financing, with your consent. We also use service providers that help us run the business, such as website hosting, email delivery, phone and text messaging, document storage, and similar vendors. Those providers may process information only as needed to perform services for us.

We do not sell personal information, and we do not share personal information for cross-context behavioral advertising.

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.

We may also disclose information if required by law, to protect rights and safety, or in connection with a business transfer such as a merger or sale of assets.

Text messages

If you provide your mobile number on a creditsimplicity.com form or by texting us first, we may send conversational and account or loan-status messages about your inquiry or financing matter. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. For more detail, see our Terms of Service.

Retention

We keep information for as long as reasonably needed to provide our services, complete a financing request, maintain business records, resolve disputes, and meet legal, tax, and accounting requirements. Retention periods vary with the type of information and the matter involved. We then delete or de-identify information when we no longer have a legitimate need to keep it, unless a longer period is required by law.

Security

We use reasonable administrative, technical, and organizational measures designed to protect personal information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

California privacy rights

If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA/CPRA), including the right to know what personal information we collect and how we use and share it; the right to request deletion or correction of personal information; the right to opt out of the sale or sharing of personal information (we do not sell personal information or share it for cross-context behavioral advertising); and the right not to receive discriminatory treatment for exercising these rights.

To make a request, email info@creditsimplicity.com or call (949) 620-5278. We may need to verify your identity before completing a request. You may use an authorized agent as permitted by law.

Children

Our services are intended for businesses and adults. We do not knowingly collect personal information from children under 16.

Changes

We may update this Privacy Policy from time to time. The effective date above shows when it was last revised. The updated policy will be posted at this page.

Contact

Questions about this policy or our privacy practices can be sent to Sean Healey, Credit Simplicity, PO Box 26252, Santa Ana, CA 92799, info@creditsimplicity.com, or (949) 620-5278.