Introduction and Overview
New Tide Media LLC dba New Tide Funding and its affiliates and subsidiaries (or "we," "our," "us") cares about your privacy and compliance with applicable laws. This Privacy Notice ("Privacy Notice") explains the type of information we may obtain from individuals who visit our website at www.newtidefunding.com or use our mobile-optimized pages, online chat tools, or other digital services (collectively, our "Services"), as well as information we collect through phone calls, email, and other offline communications.
This Privacy Notice describes our privacy practices with respect to our Services. It does not cover employment-related personal data processing.
This Privacy Notice covers the following topics:
- → Personal Information We Collect
- → How We Use Your Information
- → Cookies & Interest-Based Ads
- → Information We Disclose
- → Your Privacy Rights
- → Data Retention
- → Data Security
- → Telemarketing & Communications
- → Children's Privacy
- → Third-Party Links
- → Changes to This Notice
- → Contact Us
- → Supplemental State Notices
Personal Information We Collect
Information You Give Us
We collect and maintain information that you provide to us through your use of our Services, including:
- Contact and Identity Information such as your name, business address, mailing address, telephone number(s), mobile number(s), email address(es), and the contents of messages or forms you submit to us.
- Business and Financial Information such as your business name, entity type, industry, years in operation, estimated monthly revenue, requested funding amount, bank statements (3–4 months), tax returns, profit and loss statements, balance sheets, and accounts receivable reports.
- Sensitive Personal Information such as your date of birth, Social Security Number (SSN), Employer Identification Number (EIN), driver's license or passport number, and copies of government-issued photo identification — collected only when necessary to process your application and verify your identity.
- Communications and Interactions such as questions, feedback, and correspondence you submit via our website forms, email, phone, chat, or SMS. Please note that your chats, phone or video calls, and other interactions with our team may be recorded. Transcripts of chat communications are maintained for quality assurance and compliance purposes.
- Consent Records such as the date, time, IP address, and method by which you provided consent to receive communications from us — collected and stored for TCPA compliance and A2P carrier verification purposes.
Information We Obtain by Automated Technical Means
We use various methods to automatically obtain information about you and your devices when you visit our website, use our services, or view our advertisements online. This information helps our services work correctly and supports our marketing, advertising, and analytics efforts. This includes, but is not limited to:
- Device type, settings, and identifiers
- Internet browser type and version
- Operating system information
- IP address
- Approximate geographic location (city/state derived from IP — not GPS precision)
- Mobile device identifiers and carrier information
- The date, time, and duration of your visit to our website
- The referring website, specific pages accessed, links clicked, and other actions you take on our site
Additionally, your chats, phone calls, and other interactions with our team may be recorded and transcripts maintained. We may obtain other information from you from time to time by providing appropriate notice at the time of collection.
Third-Party Web Analytics Services
We use third-party web analytics services on our website. The service providers that administer these services use automated technologies (such as IP addresses, cookies, and other device identifiers) to collect data and evaluate how visitors use our Services. We also use a third-party session replay service that records users' interactions with our website, including clicks, mouse movements, and scrolling behavior.
| Service Name | Website | Purpose |
|---|---|---|
| Google Analytics | marketingplatform.google.com/about/analytics/ | Website traffic analysis and user behavior reporting |
| Hotjar | hotjar.com | Session recording, heatmaps, and UX improvement |
| Meta Pixel (Facebook) | facebook.com/business/tools/meta-pixel | Conversion tracking and retargeting on Facebook and Instagram |
| Google Ads Tag | ads.google.com | Conversion tracking and retargeting on Google Search and Display Network |
| LinkedIn Insight Tag | business.linkedin.com/marketing-solutions/insight-tag | Campaign performance and retargeting for professional audiences |
Information We Obtain from Other Sources
We may receive information about you from other sources to help us correct or supplement our records, improve the quality of our Services, prevent or detect fraud, and support our marketing and analytics. Such sources include:
- Credit Bureaus & Consumer Reporting Agencies: Soft credit pull results (credit score ranges and public record data). We do not perform hard credit inquiries during pre-qualification.
- Business Data Providers: Business verification data such as Secretary of State filing status, UCC lien searches, and business credit data from providers such as Dun & Bradstreet or Experian Business.
- Payment Processors: Transaction confirmation and banking verification information.
- Data Brokers & Marketing Partners: Contact information and business profile data from referral sources, affiliate partners, or lead generation partners who have obtained your information lawfully and with appropriate consent.
- Third-Party Ad Technology Companies: Demographic and behavioral data to support interest-based advertising and audience measurement.
- Identity Verification Services: KYC (Know Your Customer) verification results used to confirm your identity as part of the application process.
- Public Records: Publicly available information including UCC filings, court records, and business registration databases.
We may use this information in a manner consistent with this Privacy Notice.
How We Use the Information We Obtain
We may use, process, and disclose the information we collect about you for our business and commercial purposes, including:
- Processing Applications and Providing Services. We use your information to evaluate and process your funding application, match you with appropriate third-party funding partners, facilitate communications between you and those partners, and respond to your questions and requests. We may also maintain transcripts of chat communications and call recordings for quality and compliance purposes.
- Communicating With You. We use your information to contact you about: (1) updates to this Privacy Notice; (2) your application status, available funding offers, and required documentation; (3) issues with your application or account; (4) responses to questions or feedback you have submitted; and (5) safety or compliance notices.
- Identity and Business Verification. We use your information to verify your identity, your authority to act on behalf of your business, your business's legal standing, and the accuracy of the financial information you have submitted.
- Fraud Prevention and Risk Assessment. We use your information to detect, investigate, and prevent fraudulent transactions, identity theft, and other illegal or unauthorized activity. We may use automated screening tools as part of this process.
- Improving and Personalizing Our Services. We may use your information to make improvements to our website and application process, personalize your experience, understand your preferences, and provide you with a consistent experience across the devices you use.
- Reviewing Usage Trends and Customer Interests. We analyze how visitors use our website and Services — including by combining information we receive from you with information we receive from other sources — to understand interest patterns and improve our offerings.
- Sending Marketing Communications. We may send you communications about funding products, promotions, and offers via email, SMS/text messaging, or other electronic channels — including targeted ads on social media platforms such as Facebook and Instagram. We use behavioral and interest data across different online services to personalize and improve these communications. You may opt out at any time.
- Interest-Based and Retargeting Advertising. We may use information collected through cookies and tracking pixels — including information collected across different devices and online services — to display New Tide Funding advertisements to you on third-party platforms such as Google, Meta (Facebook and Instagram), and LinkedIn. See the Cookies section for full details and opt-out options.
- Detecting and Preventing Fraud. We use your information to protect against, identify, and prevent fraud and other criminal activity, claims, and liabilities.
- Complying With Law. We use your information to comply with and enforce applicable legal requirements, regulatory obligations, relevant industry standards, and this Privacy Notice.
- Operating and Improving Our Business. We may use your information to operate, evaluate, develop, manage, and improve our business — including through data analytics, market research, aggregating and anonymizing data, conducting audits, and performing other internal functions.
- Other Purposes. We may also use your information in other ways for which we provide specific notice at the time of collection, or otherwise with your consent.
Information We Disclose
We may share information about you with third parties in order to conduct our business, when legally required, or with your consent, including:
Affiliates and Subsidiaries
We may share your information with our affiliates and subsidiaries for business, operational, promotional, marketing, or other purposes consistent with this Privacy Notice.
Funding Partners (Lenders & Funders)
The primary function of our service is to connect you with funding partners who can meet your capital needs. We share your application information, financial documentation, identity verification data, and other information necessary for underwriting with one or more third-party lenders, MCA providers, factoring companies, or other funders. Each partner conducts its own independent underwriting review and is subject to its own privacy policy. We share only what is necessary to evaluate your application and do not share your information with funding partners for their independent marketing without your consent.
Service Providers
We disclose information we obtain about you to service providers who perform services on our behalf — for example, to process applications, analyze data, manage communications, provide customer and technical support (including through automated and live chat features), process payments, detect and prevent fraud, verify identities, and maintain transcripts of chat interactions. Our service providers are restricted from using your personal information in any way other than to provide services for us.
Business Partners
We may share your information with select business partners for business purposes such as advertising, marketing, and online behavioral advertising — including partners such as Meta (Facebook and Instagram), Google, and LinkedIn. These partners are subject to their own privacy policies and use the information consistent with our contractual agreements with them.
Business Transfers
We may disclose, transfer, or assign to our affiliates, or to one or more third parties, information collected about you in the event that we sell or transfer all or a portion of our assets or business — including as part of an actual or contemplated merger, acquisition, or joint venture. In the event of bankruptcy, insolvency, reorganization, receivership, or liquidation, we may transfer your personal information to a successor or acquiring party. In such transactions, customer information generally is one of the transferred business assets but remains subject to the promises made in any pre-existing Privacy Notice.
Protection of Us and Others
We may disclose information about you to the government or to other third parties to comply with applicable law and regulations, governmental and quasi-governmental requests, court orders, subpoenas, and other legal processes. We may also disclose information if necessary to: (i) enforce this Privacy Notice or investigate potential violations; (ii) detect, prevent, or address fraud, security, or technical issues; (iii) protect against harm to our Services; or (iv) protect the rights, property, or safety of us, our users, or others.
Your Privacy Rights
Depending on your state of residence, you may have certain rights regarding your personal information. We honor these rights to the extent required by applicable law. To exercise any right listed below, contact us at privacy@newtidefunding.com or call (786) 292-3996. We will verify your identity and respond within the timeframe required by your state's law (generally 30–45 days).
| Right | Description |
|---|---|
| Right to Know / Access | Request confirmation of whether we process your personal information and access to the specific pieces we hold about you, the categories collected, sources, purposes, and third parties with whom it has been shared. |
| Right to Correction | Request that we correct inaccurate or incomplete personal information we hold about you. |
| Right to Deletion | Request deletion of your personal information, subject to exceptions for legal obligations and ongoing transactions. |
| Right to Opt Out of Sale / Sharing | Opt out of the sale or sharing of your personal information for cross-context behavioral advertising. We do not sell personal information, but we do participate in interest-based advertising that may constitute "sharing" under some state laws. |
| Right to Limit Sensitive Data Use | In applicable states, request that we limit use of sensitive personal information to what is necessary to provide the services you have requested. |
| Right to Data Portability | Receive a portable, machine-readable copy of personal information you have provided to us. |
| Right to Non-Discrimination | We will not discriminate against you for exercising any privacy right — including denying services, charging different prices, or providing lower quality of service. |
| Opt Out of SMS | Reply STOP to any text message from us. Effective within one business day. |
| Opt Out of Marketing Email | Click Unsubscribe in any marketing email or email privacy@newtidefunding.com. |
| Opt Out of Phone Marketing | Contact us at privacy@newtidefunding.com to be added to our internal do-not-call list. |
To verify your identity when submitting a rights request, we may ask for information we already have on file and confirm additional details if necessary. Information you provide in a rights request will not be used for any purpose other than to respond to and fulfill your request.
Data Retention
We retain your information for the time period reasonably necessary to achieve the purposes described in this Privacy Notice, or any other notice provided at the time of collection, taking into account applicable statutes of limitation and records retention requirements under applicable law.
In general, we retain application and financial data for a minimum of seven (7) years from the date of a completed funding transaction to comply with financial services recordkeeping requirements. SMS opt-in and opt-out records are retained for a minimum of four (4) years to satisfy CTIA carrier compliance requirements for A2P messaging programs.
| Data Category | Typical Retention Period | Primary Reason |
|---|---|---|
| Funded application data | Minimum 7 years from funding date | Federal and state financial recordkeeping; funder audit obligations |
| Declined / withdrawn application data | 2–3 years | Fraud prevention; potential regulatory inquiry; re-application reference |
| Identity documents (SSN, EIN, government ID) | Application period + 5 years | KYC/AML compliance; identity fraud prevention |
| Bank statements and financial records | 7 years | Federal and state recordkeeping requirements |
| Call recordings and chat transcripts | 3 years | Quality assurance; dispute resolution; compliance |
| SMS opt-in / opt-out records | Minimum 4 years | CTIA carrier compliance; A2P regulatory audit trail |
| TCPA consent records (IP, timestamp, method) | Minimum 4 years | Proof of consent under TCPA; regulatory compliance |
| Email correspondence | 3 years from last interaction | Dispute resolution; customer service history |
| Website analytics and cookie data | 13 months (rolling) | Standard analytics retention; trend analysis |
| IP address and server access logs | 12 months | Security monitoring; fraud investigation |
When retention periods expire, or upon a verified and honored deletion request, we securely delete or de-identify personal information. Even after a deletion request, we may be required to retain certain data to satisfy legal obligations, complete active transactions, or resolve open disputes.
Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect the information we collect against unauthorized access, use, disclosure, alteration, or destruction. These measures include:
- Encryption in Transit: All data transmitted between your browser and our website uses TLS 1.2 or higher (HTTPS). Application forms use 256-bit SSL/TLS encryption.
- Encryption at Rest: Sensitive data stored in our systems — including financial documents, SSNs, and government ID copies — is encrypted at rest using AES-256 standards.
- Access Controls: Access to personal information is restricted on a need-to-know basis. Multi-factor authentication (MFA) is required for systems containing sensitive data.
- Audit Logging: We maintain audit logs of access to sensitive data systems, reviewed periodically for anomalous activity.
- Vendor Requirements: Third-party service providers are contractually required to implement appropriate security measures and are prohibited from using your personal information for their own purposes.
- Incident Response: We maintain a data breach response plan. In the event of a breach that creates risk to affected individuals, we will notify them and any required regulatory authorities within legally required timeframes.
Telemarketing & Communications
TCPA Compliance
We are committed to complying with the Telephone Consumer Protection Act (TCPA) and other applicable telemarketing and communication laws. By providing your contact information (such as your phone number or email address) through our website, application form, chat service, or other communication platforms, you consent to receive communications from us — including calls and text messages — which may be sent using automated technology or pre-recorded messages. These communications will be conducted in full accordance with applicable law, including the TCPA.
We and our third-party partners, including lead verification services, take steps to ensure the authenticity and legality of the consent you provide. This may include recording the time, date, IP address, device information, and other metadata related to your submission of contact information as verifiable proof of consent.
Lead Verification and Consent Data Collection
We use third-party lead verification services to capture and store proof of your consent to receive communications from us. These services may collect certain information from your interaction with our website, including but not limited to: your IP address, the exact timestamp of your consent submission, the specific form or page through which consent was given, and details about the device or browser used during your interaction.
This data is used solely to: (1) verify that you have provided the necessary consent to receive communications under the TCPA; (2) comply with A2P 10DLC carrier registration requirements; and (3) maintain a defensible audit trail in the event of a regulatory inquiry or complaint.
If you wish to revoke your consent to receive communications at any time, you may do so by contacting us through the methods provided in the Contact Us section of this Privacy Notice, or by replying STOP to any text message.
SMS & Text Messaging Program
Program Description
New Tide Funding sends text messages to business owners who have opted in to receive SMS communications related to: funding application status updates, document requests, funding offer notifications, follow-up from our advisors, and general business funding information. This is a transactional and service-relationship messaging program.
How to Opt In
You expressly consent to receive text messages from New Tide Funding when you submit a funding application or inquiry form on our website and check the SMS consent checkbox, or when you otherwise provide affirmative consent as described on any web form at www.newtidefunding.com. Consent to SMS is not required to apply for or receive any funding product or service.
Message Frequency
Message frequency varies based on your application stage and interactions with our team. You may receive up to 5–10 messages per application cycle. Message and data rates may apply based on your wireless carrier plan.
How to Opt Out — Reply STOP
To stop receiving text messages from New Tide Funding at any time, reply STOP to any message we send. You will receive one final confirmation message. No additional texts will be sent. To re-subscribe, reply START.
Help — Reply HELP
For help with our SMS program, reply HELP to any message, or contact us at (786) 292-3996 or privacy@newtidefunding.com.
Carrier Disclaimer: New Tide Funding is not responsible for delays in receipt of SMS messages, as delivery is subject to your wireless carrier's network. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages. Supported carriers include AT&T, T-Mobile, Verizon, Boost Mobile, MetroPCS, Cricket Wireless, US Cellular, and other major U.S. wireless providers.
Phone Calls
By providing your phone number to New Tide Funding, you authorize New Tide Media LLC dba New Tide Funding to contact you at the number(s) you provide — including mobile numbers — via live calls, automated or predictive dialing systems, and prerecorded or artificial voice messages, even if your number appears on a federal or state Do Not Call Registry. This consent is not required as a condition of receiving any funding product or service. You may withdraw consent to automated calls at any time by contacting us at privacy@newtidefunding.com or (786) 292-3996.
Email Communications
We send transactional emails (application confirmations, document requests, status updates) and marketing emails (funding products, promotions, and business content). You may unsubscribe from marketing emails at any time using the Unsubscribe link in any marketing email or by contacting us at privacy@newtidefunding.com. Transactional emails necessary for processing an active application cannot be suppressed.
Children's Privacy
Our Services are not directed to children under the age of 16 (or another age defined as "children" under applicable law). Our Services are directed toward adults who are 18 years or older. We do not knowingly collect or solicit personal information from children under the age of 16 through our website or other Services.
If you are a parent or guardian and believe that a minor has provided personal information to us without appropriate consent, please notify us immediately at privacy@newtidefunding.com. We will investigate and, if confirmed, promptly delete the minor's information from our systems.
Links to Third-Party Websites, Apps, or Online Services
As a convenience to our website visitors, our Services may contain links to third-party websites, apps, and online services that we believe offer useful information. This Privacy Notice does not apply to such third-party websites, apps, or online services.
We suggest reviewing the privacy notices or policies of any third-party sites you visit, or contacting them directly for more information on their privacy practices. We are not responsible for the privacy practices of third-party services, regardless of whether they are linked to or otherwise connected to our Services.
Changes to This Notice
We reserve the right, at our discretion, to modify our privacy practices and update and make changes to this Privacy Notice at any time. If we make any changes, we will update the "Effective Date" at the top of this page and post the updated Privacy Notice on this website. You should consult this Privacy Notice regularly for any changes.
If we make material changes — such as changes to how we use your sensitive personal information, changes to our SMS program practices, or new categories of third parties with whom we share your data — we will notify you by email (sent to the email address on your account) or by posting a notice on our website prior to the effective date of the change.
Contact Us
If there are any questions regarding this Privacy Notice or our privacy practices, you may contact us using the information below.
| Name | Email Address | Phone Number |
|---|---|---|
| Privacy Contact | privacy@newtidefunding.com | (786) 292-3996 |
New Tide Media LLC dba New Tide Funding
To opt out of SMS: reply STOP to any text from us.
To opt out of marketing email: click Unsubscribe in any marketing email.
To opt out of phone marketing: email privacy@newtidefunding.com.
For privacy rights requests: we respond within 30–45 days.
Supplemental Privacy Notices
The following supplemental notices apply to residents of specific U.S. states and provide additional rights and disclosures required by applicable state law. Click a state to expand its notice.