Privacy Policy

Last Updated: April 14, 2026  ·  Monterra Financial LLC  ·  Miami, Florida

Monterra Financial LLC ("Monterra Financial," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal and business information when you visit our website at monterrafinancial.com, submit an application, contact us, or interact with us in any way. Please read this policy carefully.

1. Information We Collect

We collect information you provide directly to us, including:

• Personal Identification Information: Full name, date of birth, Social Security Number (for credit purposes), government-issued ID details
• Contact Information: Email address, phone number (including mobile), mailing address
• Business Information: Business name, industry, time in business, monthly revenue, bank statements, tax returns, and other financial documents
• Financial Information: Credit score range, existing debt obligations, funding history
• Technical Information: IP address, browser type, device information, pages visited, time spent on site, referral source

2. How We Use Your Information

We use the information we collect for the following purposes:

• To process and evaluate your funding application
• To match you with appropriate lending partners from our network
• To communicate with you about your application status, funding options, and account
• To send you SMS text messages and emails regarding your inquiry, application updates, promotional funding offers, and relevant financial products — as described in our communications consent
• To verify your identity and prevent fraud
• To comply with applicable federal and state laws and regulations
• To improve our website, services, and customer experience
• To respond to your questions, comments, and requests

3. SMS & Email Communications Consent

By submitting any form on our website, you expressly consent to receive SMS text messages and email communications from Monterra Financial LLC and its authorized representatives. These communications may include:

• Application status updates and follow-ups
• Information about funding products and promotional offers
• Requests for additional documentation
• Advisor outreach to discuss your funding needs

Message and data rates may apply. You may opt out of SMS communications at any time by replying STOP to any text message you receive from us. You may opt out of email communications by clicking the unsubscribe link in any email. Opting out of marketing communications will not affect transactional messages related to an active application.

4. Sharing Your Information

We do not sell your personal information to third parties. We may share your information with:

• Lending Partners: With your consent, we share your application information with vetted lenders in our network to secure funding offers on your behalf
• Service Providers: Third-party vendors who assist us in operating our website, processing applications, and delivering communications (subject to confidentiality obligations)
• Legal Compliance: When required by law, subpoena, court order, or to protect the rights and safety of Monterra Financial and its clients
• Business Transfers: In connection with any merger, acquisition, or sale of company assets, your information may be transferred as a business asset

5. Data Security

We implement industry-standard security measures to protect your information, including 256-bit SSL encryption for all data transmitted through our website. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security of your information.

6. Your Rights & Choices

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information (subject to legal retention requirements)
• Opt out of marketing communications at any time
• Request a copy of your data in a portable format

To exercise any of these rights, contact us at matt@monterrafinancial.com or call (786) 952-0185.

7. Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to improve your browsing experience, analyze site traffic, and understand where our visitors come from. You may disable cookies through your browser settings; however, doing so may affect the functionality of certain features on our site.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies before submitting any personal information.

9. Children's Privacy

Our services are intended for business owners and adults aged 18 and older. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that a minor has submitted information to us, we will delete it promptly.

10. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell your personal information. To submit a California privacy request, contact us at matt@monterrafinancial.com.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of our website after changes are posted constitutes your acceptance of the revised policy.

12. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us:

• Monterra Financial LLC
• Miami, Florida
• Email: matt@monterrafinancial.com
• Phone: (786) 952-0185