Privacy Policy

Effective Date: June 9, 2026

Introduction

ELS Money ("ELS Money," "Company," "we," "our," or "us") respects your privacy and is committed to protecting the information you provide through our website, elsmoney.com, and through our financing application process.

This Privacy Policy describes how we collect, use, disclose, and protect information obtained through our website and related services. By accessing or using our website, submitting an inquiry, or completing a financing application, you consent to the practices described in this Privacy Policy.

Information We Collect

Information You Provide

We may collect information you voluntarily provide, including:

Name
Business name
Email address
Telephone number
Mailing address
Job title
Equipment financing needs
Business ownership information
Tax identification numbers
Financial statements
Bank account information
Business revenue information
Time in business
Credit-related information
Equipment information
Any other information submitted through our website, financing applications, email communications, or customer support interactions

Information Collected Automatically

When you visit our website, we may automatically collect:

IP address
Browser type
Device information
Operating system
Referring website
Pages visited
Time spent on the website
Clickstream data
Cookies and similar tracking technologies

How We Use Information

We may use your information to:

Respond to inquiries
Evaluate financing eligibility
Process equipment financing and leasing applications
Verify identity and business information
Facilitate underwriting and credit review
Match applicants with lenders and financing partners
Provide customer support
Improve website functionality and user experience
Conduct analytics and performance monitoring
Prevent fraud and unauthorized activity
Comply with legal, regulatory, and contractual obligations
Communicate regarding products, services, and promotional offers

Financing Applications and Credit Evaluation

When you submit a financing application, you authorize ELS Money to review, verify, and share your information with lenders, leasing companies, financing sources, credit reporting agencies, underwriting partners, and other financial institutions as necessary to evaluate your financing request.

We may obtain consumer, commercial, or business credit reports and other information necessary to assess creditworthiness and financing eligibility, subject to applicable laws and regulations.

Submission of an application does not guarantee approval or financing.

Information Sharing

We do not sell your personal information.

We may share information with:

Financing Partners

To process and evaluate financing requests, we may share information with:

Banks
Commercial lenders
Equipment finance companies
Leasing companies
Funding sources
Credit reporting agencies
Underwriting partners

Service Providers

We may share information with third-party vendors that help us operate our business, including providers of:

Website hosting
Cloud storage
Customer relationship management systems
Analytics services
Email communications
SMS communications
Security services
Payment processing

These providers are permitted to use information only as necessary to provide services on our behalf.

Legal Requirements

We may disclose information when required to:

Comply with applicable laws and regulations
Respond to subpoenas, court orders, or lawful government requests
Protect our rights, customers, or business
Investigate fraud or security incidents

SMS Communications

By providing your mobile phone number and opting in to receive text messages, you consent to receive SMS communications from ELS Money regarding:

Financing application updates
Account-related communications
Customer service matters
Appointment reminders
Promotional and marketing communications

Message frequency may vary.

Message and data rates may apply.

You may opt out at any time by replying:

STOP

For assistance, reply:

HELP

Consent to receive SMS messages is not required as a condition of obtaining financing.

ELS Money may use third-party communication providers, including Twilio, to facilitate SMS communications.

Cookies and Tracking Technologies

We use cookies and similar technologies to:

Maintain website functionality
Improve user experience
Analyze website traffic
Monitor website performance
Measure marketing effectiveness

You may manage cookie preferences through your browser settings. Disabling cookies may impact certain website functionality.

Data Security

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and destruction.

However, no transmission of information over the internet or electronic storage system can be guaranteed to be completely secure.

Data Retention

We retain information for as long as reasonably necessary to:

Provide services
Evaluate financing applications
Maintain business records
Comply with legal and regulatory obligations
Resolve disputes
Enforce agreements

Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. Users should review the privacy policies of any third-party sites they visit.

New Jersey Residents

ELS Money is headquartered and registered in the State of New Jersey. We comply with applicable federal and state privacy and consumer protection laws governing our operations.

California Privacy Rights

California residents may have rights under applicable California privacy laws, including the right to request information regarding personal information collected, used, disclosed, corrected, or deleted, subject to applicable legal exceptions.

To exercise applicable privacy rights, contact us using the information provided below.

Children's Privacy

Our website and services are intended for business purposes and are not directed to children under the age of 13.

We do not knowingly collect personal information from children.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any updates will be posted on this page with a revised Effective Date. Continued use of the website following changes constitutes acceptance of the revised Privacy Policy.

Contact Information

ELS Money

Website: elsmoney.com

Email: info@elsmoney.com

Phone: (640) 250-4611

Address: Matawan, New Jersey