Privacy Policy
The Confident Broker, LLC Effective Date: January 1, 2026 Last Updated: May 1, 2026
Introduction
The Confident Broker, LLC ("The Confident Broker," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, share, and protect information about you when you visit our website at theconfidentbroker.com (the "Site"), submit a funding application, or otherwise interact with our business.
By using our Site or submitting an application, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Site or submit your information.
This policy should be read alongside any authorization language you signed as part of a funding application, which governs how your information is used specifically in connection with commercial financing transactions.
1. Who We Are
The Confident Broker, LLC is a commercial finance brokerage operating in Brevard County, Florida and serving businesses throughout the state of Florida. We connect small business owners with funding options through our network of lender and bank partners. We are not a lender. We do not make credit decisions or extend credit directly.
Contact Information: The Confident Broker, LLC Brevard County, Florida theconfidentbroker.com
2. Information We Collect
We collect information you provide directly to us and information collected automatically when you use our Site.
Information You Provide Directly
When you submit a funding application, contact us, or use our Site, we may collect:
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Business information: Legal business name, DBA, business address, business start date, legal entity type, industry, state of incorporation, and monthly revenue.
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Personal identification information: First and last name, home address, date of birth, Social Security number, and ownership percentage.
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Financial information: FICO score, bank statements, credit card processor statements, tax returns, profit and loss statements, balance sheets, and other financial documents submitted in connection with a funding application.
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Contact information: Mobile phone number, email address, and mailing address.
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Partner and co-owner information: If applicable, the same categories of information listed above for any business partner or co-owner with 25% or greater ownership.
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Communications: Any messages, questions, or other content you send to us directly through the Site, email, or text message.
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Information Collected Automatically
When you visit our Site, we and our service providers may automatically collect certain technical information, including:
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IP address and general location data
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Browser type and version
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Device type and operating system
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Pages visited and time spent on the Site
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Referring URLs and exit pages
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Cookies and similar tracking technologies (see Section 7 below)
Information From Third Parties
We may also receive information about you from third parties in connection with processing your application, including credit reporting agencies such as TransUnion, Experian, and Equifax, and from other financial institutions, creditors, and lender partners.
3. How We Use Your Information
We use the information we collect for the following purposes:
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To process your funding application and match you with appropriate financing options through our lender and bank partner network.
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To communicate with you about your application, available funding programs, and the status of your inquiry.
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To verify your identity and assess eligibility for funding programs in accordance with applicable underwriting requirements.
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To share your information with funding partners including lenders, banks, and other financial institutions involved in or acquiring commercial financing transactions, as authorized by you in your application agreement.
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To obtain credit and background reports from one or more consumer reporting agencies as authorized by you.
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To comply with legal obligations including applicable federal and state laws, regulations, and legal process.
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To improve our Site and services by analyzing how visitors use our Site and identifying areas for improvement.
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To send you communications about our services, funding programs, and relevant business resources, where you have consented to receive such communications.
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To prevent fraud and protect security of our Site, our clients, and our business.
4. How We Share Your Information
We do not sell your personal information to third parties for their own marketing purposes. We share your information only in the following circumstances:
With Funding Partners and Recipients
When you submit a funding application, you authorize us to share your application and related financial information with our network of lender partners, banks, and other financial institutions (collectively, "Recipients") for the purpose of evaluating and funding commercial financing transactions. This sharing is governed by the authorization language in your application agreement.
With Service Providers
We may share your information with trusted third-party service providers who assist us in operating our Site and business, including website hosting providers, form and application platforms (such as JotForm), email service providers, and analytics providers. These providers are authorized to use your information only as necessary to provide services to us.
With Credit Reporting Agencies
As authorized in your application agreement, we and our funding partners may request consumer, business, and investigative reports from credit reporting agencies including TransUnion, Experian, and Equifax.
For Legal Compliance
We may disclose your information if required to do so by law, regulation, legal process, or governmental request, or if we believe disclosure is necessary to protect the rights, property, or safety of The Confident Broker, our clients, or the public.
Business Transfers
If The Confident Broker is involved in a merger, acquisition, or sale of all or a portion of its business or assets, your information may be transferred as part of that transaction. We will notify you of any such change via email or a notice on our Site.
5. Financial Information and Federal Law
Because we operate as a commercial finance broker, certain federal laws govern how we handle financial information collected in connection with business funding applications.
The Gramm-Leach-Bliley Act (GLBA) establishes requirements for financial institutions regarding the collection, use, and protection of nonpublic personal information. To the extent applicable to our business activities, we maintain appropriate safeguards to protect your nonpublic personal information in accordance with these requirements.
We maintain physical, electronic, and procedural safeguards designed to protect the security and confidentiality of the information you provide to us, including encryption of sensitive data fields such as Social Security numbers and financial account information submitted through our application platform.
6. Communications Consent and Your Rights
When you submit an application or contact us, you consent to receive communications from The Confident Broker, LLC via email, text message, phone call, and fax at the contact information you provide.
Email communications: You may opt out of marketing email communications at any time by clicking the unsubscribe link in any marketing email or by contacting us directly. Transactional and application-related emails are not subject to opt-out.
Text messages: If you consent to receive text messages from us, standard cellular rates apply. You may opt out of text messages at any time by replying STOP to any message you receive from us.
Phone calls: You consent to receive calls from us regardless of whether your number appears on a state or federal Do Not Call registry. This consent is limited to communications related to your application or inquiry and does not bind you to any funding product or term.
7. Cookies and Tracking Technologies
Our Site uses cookies and similar technologies to improve your experience and collect information about how visitors use our Site.
What are cookies? Cookies are small text files placed on your device when you visit a website. They help the Site remember your preferences and activity.
Types of cookies we use:
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Essential cookies: Required for the Site to function properly. These cannot be disabled.
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Analytics cookies: Used to understand how visitors interact with our Site so we can improve the user experience. We may use tools such as Google Analytics for this purpose.
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Preference cookies: Used to remember your settings and preferences on return visits.
Your choices: Most browsers allow you to control cookies through their settings. You can set your browser to refuse cookies or to alert you when cookies are being sent. Note that disabling cookies may affect the functionality of our Site.
8. Data Security
We take the security of your personal and financial information seriously. We implement reasonable physical, electronic, and administrative safeguards to protect your information from unauthorized access, use, alteration, or disclosure. Our application platform uses AES 256-bit SSL encryption to protect sensitive data submitted through online forms.
However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. If you have reason to believe that your information has been compromised, please contact us immediately.
9. Retention of Your Information
We retain your personal and financial information for as long as necessary to fulfill the purposes described in this Privacy Policy, to comply with applicable legal obligations, to resolve disputes, and to enforce our agreements. Application information is typically retained for a minimum of five years in accordance with standard financial recordkeeping practices.
10. Children's Privacy
Our Site and services are intended for adults and are not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13 without parental consent, we will take steps to delete that information promptly.
11. Third-Party Links
Our Site may contain links to third-party websites, including lender websites, resource pages, and community platforms such as our Grow Brevard Facebook group. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any third-party sites you visit. We are not responsible for the privacy practices or content of third-party sites.
12. Florida Residents
Florida's Digital Bill of Rights (Senate Bill 262, effective July 1, 2024) applies to businesses with gross annual revenues exceeding $1 billion. The Confident Broker, LLC does not meet this threshold and is therefore not subject to the FDBR's comprehensive requirements. However, we are committed to transparent and responsible data practices regardless of legal obligation, and we welcome any questions or concerns about how your information is handled.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, applicable law, or business operations. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of our Site following any changes constitutes your acceptance of the updated policy.
14. How to Contact Us
If you have questions, concerns, or requests related to this Privacy Policy or the handling of your personal information, please contact us:
The Confident Broker, LLC
We will respond to all privacy-related inquiries within a reasonable timeframe.
This Privacy Policy was prepared for The Confident Broker, LLC and reflects the nature of our business as a commercial finance brokerage operating in the state of Florida.