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Privacy Policy

Effective Date: March 22, 2026

Last Updated: March 22, 2026

Company: Abilities Finance

Governing Law: State of Wyoming, United States

1. Introduction

Abilities Finance ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website at abilitiesfinance.com (the "Site") or engage with our private lending opportunity.

By using our Site or participating in our lending program, you consent to the data practices described in this policy. If you do not agree with the terms of this Privacy Policy, please do not access the Site.

2. Information We Collect

2.1 Personal Information You Provide

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

  • Fill out forms on our Site (name, email address, phone number)
  • Express interest in our lending opportunity
  • Enter into a promissory note agreement (additional financial and identity information)
  • Contact us via email, phone, or other means

2.2 Automatically Collected Information

When you visit our Site, we may automatically collect certain information, including:

  • IP address and geographic location
  • Browser type and version
  • Operating system
  • Pages visited and time spent on pages
  • Referring website addresses

3. How We Use Your Information

We use the information we collect for the following purposes:

  • Communication: To respond to your inquiries and provide information about our lending opportunity
  • Lending Operations: To process and manage promissory note agreements
  • Legal Compliance: To comply with applicable laws, regulations, and legal processes
  • Site Improvement: To analyze usage patterns and improve our website
  • Security: To detect and prevent fraud, unauthorized access, and other illegal activities

4. Information Sharing and Disclosure

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

  • Legal Requirements: When required by law, court order, or governmental regulation
  • Professional Advisors: With our attorneys, accountants, or other professional advisors under confidentiality obligations
  • Business Transfers: In connection with any merger, acquisition, or sale of company assets
  • With Your Consent: When you have given us explicit permission to share your information

5. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. For promissory note agreements, we retain related records for a minimum of seven (7) years after the agreement terminates, as required by applicable financial record-keeping regulations.

7. Your Rights

7.1 General Rights

You have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate personal information
  • Request deletion of your personal information (subject to legal retention requirements)
  • Opt out of marketing communications

7.2 California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your personal information, and the right to opt out of the sale of your personal information. We do not sell personal information.

7.3 European Residents (GDPR)

If you are a resident of the European Economic Area, you have additional rights under the General Data Protection Regulation (GDPR), including the right to data portability, the right to restrict processing, and the right to lodge a complaint with a supervisory authority.

8. Cookies and Tracking Technologies

Our Site may use cookies and similar tracking technologies to enhance your browsing experience and collect usage data. You can control cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features on our Site.

9. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our Site and lending opportunity are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information.

11. 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 Privacy Policy on this page and updating the "Last Updated" date. Your continued use of the Site after any changes constitutes acceptance of the updated policy.

12. Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of law provisions.

13. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: