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Privacy Policy

Last Updated: April 2025

Caribana Inc ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide when you:

  • Request information about our financing services
  • Submit an inquiry through our contact form
  • Apply for business funding products
  • Communicate with us via email or other channels

This information may include:

  • Name and business contact information
  • Email address
  • Company name and business details
  • Financial information relevant to service provision

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies installed on your device.

How We Use Your Information

We use the information we collect to:

  • Respond to your inquiries and provide customer support
  • Process and evaluate funding applications
  • Communicate with you about our services and promotional offers
  • Improve our website and services
  • Comply with legal obligations
  • Prevent fraud and maintain security

SMS & Text Message Communications

Important: If you opt in to receive SMS/text messages from Caribana Inc, the following terms apply:

By consenting to receive text messages from us, you agree to receive recurring marketing and promotional SMS/MMS messages sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.

  • Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
  • Message and Data Rates: Message and data rates may apply based on your mobile carrier's plan.
  • Opt-Out: Reply STOP to opt out at any time. You will receive a confirmation message.
  • Help: Reply HELP for assistance or contact us at nichole@the-caribana.com.
  • Not Required: Consent is NOT a condition of purchase or use of our services.

Mobile carriers are not liable for delayed or undelivered messages.

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

  • Service Providers: We may share information with trusted third-party service providers who assist us in operating our website and conducting our business, provided those parties agree to keep this information confidential.
  • Legal Requirements: We may disclose your information when required by law or in response to valid legal requests.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred.

SMS Opt-In Data Protection: 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 appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure.

Your Rights and Choices

You have the right to:

  • Access, correct, or delete your personal information
  • Object to or restrict certain processing of your data
  • Opt out of marketing communications at any time
  • Withdraw consent for SMS communications by replying STOP

To exercise these rights, please contact us at nichole@the-caribana.com.

Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to enhance your experience on our website. You can set your browser to refuse cookies, but this may limit your ability to use certain features of our site.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page with an updated "Last Updated" date.

Contact Us

If you have questions about this Privacy Policy, please contact us:

Caribana Inc
5250 Grand Ave
Gurnee, IL 60031
Email: nichole@the-caribana.com

CARIBANA

Structured business financing with midwest discipline and Caribbean warmth. Direct lender based in Gurnee, Illinois.

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