Privacy Policy

Overview & Scope

This Privacy Policy ("Policy") applies to https://forzaadvantage.com and Forza Advantage, Inc. ("Company") and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to the Company include https://forzaadvantage.com.

The purpose of the Forza Advantage website is to inform, promote, and provide access to our professional bookkeeping and financial support services. This includes business credit development, financial reporting, tax-ready accounting, and connections to trusted partners for marketing and funding solutions.

This Policy applies to information collected through the Site and through any related electronic communications, including email, SMS, and telephone contact initiated as a result of your use of the Site. It does not apply to information collected through third-party websites or applications, even if links to those services appear on our Site.

Information We Collect

In order to better provide you with products and services offered, the Company may collect personally identifiable information, such as your:

• First and last name
• Mailing address
• Email address
• Phone number
• Job title

If you purchase the Company's products and services, we collect billing information. The Company may also collect anonymous demographic information, which is not unique to you, such as your age and gender.

Sensitive Information: Most forms on this Site — such as our contact, consultation, and newsletter forms — do not collect sensitive personal information. Our secure Credit Application is the exception: when you apply for business funding, we collect the financial information needed to evaluate and pursue your request, which may include your Social Security number, business and personal financial details, and supporting documents. That information is submitted through a secure, encrypted form and is handled in accordance with our Financial Privacy Notice (Section 11) below. We do not collect full credit card numbers or biometric data through this Site.

How We Collect Information

We collect information about you through the following means:

• Directly from you

  When you submit a contact form, request a consultation, or otherwise interact with our Site, you voluntarily provide us Personal Information.
• Automatically through the Site

  When you visit the Site, we automatically collect Non-Personal Information through cookies, web beacons, pixel tags, and server log files. See Section 06 for details.
• From third-party sources

  We may receive information from analytics and advertising platforms such as Google Analytics, Google Ads, and Meta (Facebook and Instagram) through advertising pixels and audience tools.
• Through our CRM platform

  We use Zolley CRM as our customer relationship management platform. Information you submit through our Site or associated forms is stored within this platform and subject to its privacy and security practices.

Use of Your Personal Information

The Company collects and uses your personal information in the following ways:

• To operate and deliver the services you have requested
• To provide you with information, products, or services that you request from us
• To provide you with notices about your account
• To carry out the Company's obligations and enforce our rights arising from any contracts entered between you and us, including for billing and collection
• To notify you about changes to our website or any products or services we offer or provide through it
• For any other purpose with your consent

The Company may also use your personally identifiable information to inform you of other products or services available from the Company and its affiliates.

Sharing Information with Third Parties

The Company does not sell, rent, or lease its customer lists to third parties.

The Company may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to the Company, and they are required to maintain the confidentiality of your information.

Advertising & Analytics Platforms: We may share limited, non-sensitive data — such as advertising identifiers and anonymized audience segments — with platforms including Google and Meta for advertising measurement and optimization. We do not share sensitive personal or financial information with advertising platforms.

Business Transfer: If Forza Advantage, Inc. is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such transfer and resulting changes to this Privacy Policy.

The Company may disclose your personal information if required to do so by law or in the good faith belief that such action is necessary to: (a) comply with legal process; (b) protect and defend the rights or property of the Company; or (c) protect the personal safety of users of the Company or the public.

Cookies & Tracking Technologies

The Company may keep track of the pages our users visit within the Site, in order to determine what services are most popular. This data is used to deliver customized content and advertising to customers whose behavior indicates interest in a particular subject area.

The Company's website may use "cookies" to help you personalize your online experience. A cookie is a text file placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer and can only be read by a web server in the domain that issued the cookie.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can modify your browser settings to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of our website.

Advertising Opt-Out: You may opt out of interest-based advertising through the following tools:

• Google Ads Settings: adssettings.google.com
• Digital Advertising Alliance: aboutads.info/choices
• Network Advertising Initiative: optout.networkadvertising.org

Do Not Track: Some browsers include a "Do Not Track" (DNT) feature. Because there is no universally accepted standard for how websites should respond to DNT signals, our Site does not currently alter its data collection practices in response to DNT signals.

Data Retention

We retain your personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, including to respond to your inquiry, support any ongoing service engagement, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements.

• Inquiry and contact form data

  is retained for the duration of the active relationship and for a reasonable period thereafter for audit and compliance purposes.
• Client service data

  is retained for the duration of the service engagement and for a minimum of three years thereafter to satisfy applicable legal, tax, or recordkeeping requirements.
• Marketing and analytics data

  is retained for the period necessary to measure campaign performance, typically no longer than 24 months in identifiable form.
• Email and SMS communications

  are retained for the period necessary to document consent, manage opt-out requests, and comply with applicable telecommunications law.

When personal information is no longer required, we take reasonable steps to securely delete or anonymize it in accordance with applicable law.

Security of Your Personal Information

The Company secures your personal information from unauthorized access, use, or disclosure using SSL Protocol. When personal information is transmitted, it is protected through the use of encryption such as the Secure Sockets Layer (SSL) protocol.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. While we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet that are beyond our control; and (b) the security, integrity, and privacy of any information exchanged between you and us through this site cannot be guaranteed.

Your Rights & Choices

You have certain rights with respect to the personal information we hold about you. We will respond to all verifiable requests within the timeframe required by applicable law.

• Right to Know

  You may request information about the categories and specific pieces of personal information we have collected about you, the purposes for which we use it, and the categories of third parties with whom we share it.
• Right to Access

  You may request a copy of the personal information we hold about you in a readable format, subject to applicable exceptions.
• Right to Correct

  If you believe the personal information we hold about you is inaccurate or incomplete, you may request that we correct it.
• Right to Delete

  You may request that we delete personal information we hold about you. We will comply unless retention is necessary to complete a transaction, detect security incidents, debug existing functionality, comply with a legal obligation, or enable internal uses reasonably aligned with your relationship with us. To submit a deletion request, contact us at [email protected].
• Right to Opt Out of Marketing

  You may opt out of receiving marketing communications at any time by clicking "unsubscribe" in any email, replying STOP to any SMS, or contacting us directly.
• Right to Non-Discrimination

  We will not discriminate against you for exercising any of your privacy rights. Exercising your rights will not affect your ability to receive services from Forza Advantage, Inc.

To exercise any of the above rights, contact us at [email protected] or (442) 333-2990. We may need to verify your identity before processing your request.

California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act ("CCPA") and California Privacy Rights Act ("CPRA"):

• Right to Know

  You may request details on what personal data we collect, use, and share.
• Right to Delete

  You can request deletion of personal data, subject to certain legal exceptions.
• Right to Correct

  You may request corrections to inaccurate personal information.
• Right to Opt-Out

  You can opt out of the sale or sharing of personal data for advertising.
• Right to Restrict Sensitive Data Use

  You may limit the use of sensitive personal information.
• Right Against Retaliation

  The Company will not discriminate against you for exercising your rights.

To submit a CCPA/CPRA request, contact us at [email protected] or (442) 333-2990. We will respond within 45 days of receiving a verifiable request.

Financial Privacy Notice (Gramm-Leach-Bliley Act)

This Financial Privacy Notice is provided under the federal Gramm-Leach-Bliley Act ("GLBA") and its implementing regulations. It applies when you apply for, or inquire about, a business funding or credit product through Forza Advantage — for example, by submitting our Credit Application — and explains how we collect, use, share, and protect the nonpublic personal information involved in that process. It supplements, and does not replace, the rest of this Privacy Policy.

Nonpublic Personal Information ("NPI"). "NPI" means personally identifiable financial information that you provide to us on an application, or that we otherwise obtain in connection with providing a financial product or service to you, together with any list or grouping derived from it. It does not include information that is lawfully made publicly available.

Information We Collect. In connection with a funding or credit request, we may collect the following categories of NPI:

• From your applications and forms

  Identifying details (name, home and business address, email, phone), date of birth, Social Security number and/or Employer Identification Number, ownership percentage, business entity and formation details, and the amount and purpose of the funding you request.
• About your finances and transactions

  Business and personal revenue, average bank balances, banking relationships, existing loans or advances, payment history, and information contained in supporting documents you provide such as bank statements, tax returns, and financial statements.
• From reporting agencies and other third parties

  With your authorization, credit reports, credit scores, and related information about you and your business obtained from consumer and business reporting agencies and other third-party sources, used to verify the information you provide and to evaluate funding options.

How We Use Your Information. We use the NPI we collect to verify your identity, evaluate your funding or credit request, match you with appropriate funding partners, prepare and submit applications to lenders on your behalf, service and communicate with you about your request, prevent fraud, and comply with applicable law.

Information We Disclose, and To Whom. We do not sell your NPI. As permitted by law, we may disclose the NPI we collect to the following categories of recipients:

• Third-party funding providers and lenders

  To source, structure, and pursue the funding or credit you have requested, we share your application and supporting information with the lending partners we determine may be a fit. This is done to carry out the transaction you initiated.
• Service providers acting on our behalf

  Companies that perform services for us — such as secure data hosting, document processing, identity verification, and customer-relationship management (Zolley CRM) — under contractual obligations of confidentiality and limited use.
• As required or permitted by law

  To comply with legal process, regulatory requirements, or law-enforcement requests; to detect and prevent fraud or unauthorized transactions; and to protect the rights, property, or safety of Forza Advantage, our clients, or others.

Your Right to Limit Sharing (Opt-Out). Federal law gives you the right to direct us not to share certain NPI with nonaffiliated third parties. However, federal law does not let you limit certain disclosures, including: sharing necessary to process or complete a transaction you requested (for example, submitting your application to a lender you have asked us to pursue); sharing with service providers that perform services for us; sharing with consumer reporting agencies; and sharing required or permitted by law.

To exercise any available opt-out, or to ask questions about your choices, contact us at [email protected] or (442) 333-2990. We will honor your request as required by law.

How We Protect Your Information. Consistent with the GLBA Safeguards Rule, we maintain administrative, technical, and physical safeguards designed to protect the security, confidentiality, and integrity of your NPI. These include encrypting sensitive information in transit and at rest, restricting access to the personnel and providers who need it to serve you, vetting and contractually binding our service providers, and applying heightened protection to highly sensitive identifiers such as Social Security numbers, which are not stored in plain text within our general business systems. No system can be guaranteed perfectly secure, but we work to protect your information in line with applicable law.

Former Applicants and Clients. If our relationship ends, we continue to apply this Financial Privacy Notice to the NPI we retain, and we retain and dispose of that information in accordance with the Data Retention section above and applicable law.

Questions. If you have questions about this Financial Privacy Notice or how your financial information is handled, contact us at [email protected] or (442) 333-2990.

SMS & Telephone Communications

When you provide your phone number through this Site and consent to be contacted, you may receive phone calls, SMS text messages, and follow-up communications from Forza Advantage representatives.

• SMS Opt-In

  By providing your phone number and submitting a form on this Site, you expressly consent to receive SMS text messages from Forza Advantage, Inc. Message and data rates may apply. Message frequency varies.
• How to Opt Out

  Reply STOP to any text message at any time. You will receive a single confirmation and no further SMS will be sent. To re-subscribe, reply START or contact us directly.
• Help

  Reply HELP to any text message, or contact us at (442) 333-2990 or [email protected].
• Consent Not Required

  Your consent to receive SMS or automated calls is not required as a condition of receiving any product or service from Forza Advantage, Inc.
• No Data Sharing

  No mobile information or SMS opt-in data will be shared with third parties or affiliates for marketing or promotional purposes under any circumstances.
• Do Not Call Registry

  By submitting a form on this Site, you acknowledge that your submission may constitute express written consent under the TCPA to receive calls and texts even if your number appears on a Do Not Call registry. This consent may be revoked at any time by contacting us directly.

Children Under Thirteen

The Company does not knowingly collect personally identifiable information from children under the age of 13. If you are under the age of 13, you must ask your parent or guardian for permission to use this website.

Email Communications

From time to time, the Company may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. If you would like to stop receiving marketing or promotional communications via email from the Company, you may opt out by emailing [email protected].

Changes to This Policy

The Company reserves the right to change this Policy from time to time. For example, when there are changes in our services, changes in our data protection practices, or changes in the law. When changes to this Policy are significant, we will inform you. Your continued use of the website and/or services available after such modifications will constitute your: (a) acknowledgment of the modified Policy; and (b) agreement to abide and be bound by that Policy.

Contact Information

The Company welcomes your questions or comments regarding this Policy. If you believe that the Company has not adhered to this Policy, please contact us:

• Company: Forza Advantage, Inc. DBA Forza Advantage
• Address: 11440 West Bernardo Court, Ste 300, San Diego, CA 92127
• Email: [email protected]
• Phone: (442) 333-2990