Privacy Policy

Upperhand Solutions, LLC (“Company,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard Personal Information when you visit our website, engage our commercial and residential investment loan advisement services, or otherwise interact with us.

By using our website or services, you agree to the terms of this Privacy Policy.

1) Scope

This Privacy Policy applies to:

  • Visitors to our website and online portals;

  • Prospective, current, and former clients;

  • Business partners and vendors; and

  • Individuals whose information we process to provide loan advisement services.

This Policy does not apply to employees or job applicants (which may be covered by a separate notice), nor to third-party websites or services that we do not control.

2) Information We Collect

We may collect the following categories of Personal Information:

  • Identifiers: Name, alias, postal address, email address, phone number, account identifiers, IP address, device identifiers.

  • Professional/Commercial Information: Business name, title/role, EIN, legal structure, corporate documents, loan goals, financing history, property details, purchase/sale information.

  • Financial Information: Income, assets, liabilities, bank statements, tax returns, credit history (where authorized), funding sources, repayment plans.

  • Government IDs (where lawful and necessary): Driver’s license, passport, or similar (e.g., to verify identity and prevent fraud).

  • Sensitive Personal Information (where lawful and necessary): SSN or similar national IDs, account credentials, precise geolocation (if used), and background checks (subject to consent and applicable law).

  • Internet/Device Activity: Pages viewed, referring/exit URLs, timestamps, browser type, cookies and similar technologies, analytics metrics.

  • Inferences: Profiles or insights derived from your interactions (e.g., risk assessments, service preferences).

  • Communications: Emails, calls, meeting notes, chat messages, and any documents you provide.

3) Sources of Information

We collect information:

  • Directly from you (forms, calls, emails, uploads, meetings);

  • From your devices (through cookies, pixels, or analytics tools);

  • From third parties (credit bureaus, lenders, brokers, data providers, public records, service providers, and reference contacts), where permitted by law and with authorization where required.

4) How We Use Your Information

We use Personal Information to:

  • Provide and improve loan advisement services (analysis, strategy, lender matching, documentation guidance, application support);

  • Verify identity, perform due diligence, and prevent fraud and financial crimes;

  • Assess eligibility/risk and prepare application materials;

  • Communicate with you (service updates, alerts, marketing with appropriate consent);

  • Comply with legal obligations (recordkeeping, regulatory reporting, audit);

  • Operate, secure, and improve our website and systems (analytics, troubleshooting);

  • Exercise legal rights and defend against claims;

  • Facilitate business transactions (e.g., mergers, acquisitions, financing, or asset transfers consistent with law).

5) Disclosure of Information

We may disclose Personal Information to service providers and other parties as described below. SMS consent provided for receiving text messages is used solely for communication purposes and is not shared with third parties.

  • Service providers and vendors (hosting, analytics, CRM, document management, identity/credit verification, cybersecurity);

  • Professional advisors (legal, accounting, compliance);

  • Affiliates (consistent with this Policy);

  • Government authorities and regulators (as required by law);

  • Transaction parties (in connection with corporate transactions, subject to appropriate safeguards).

We do not sell Personal Information for money. If we engage in “sharing” for cross-context behavioral advertising (as defined under certain state laws), we will provide appropriate opt-out mechanisms.

6) Cookies and Tracking Technologies

We use cookies, pixels, tags, and similar technologies to:

  • Operate site features;

  • Remember preferences;

  • Conduct aggregate analytics and measure performance;

  • Improve security and user experience.

You can control cookies through browser settings. Where required by law, we will obtain consent for non-essential cookies and provide options to manage preferences. We do not respond to Do Not Track signals at this time, but we honor applicable state-specific opt-out rights for targeted advertising where implemented.

7) Data Retention

We retain Personal Information for as long as necessary to:

  • Provide services and fulfill contractual obligations;

  • Comply with legal, regulatory, and audit requirements;

  • Resolve disputes and enforce agreements.

Retention periods vary by data category and legal obligations. When no longer required, we will delete or de-identify information in accordance with law and our policies.

8) Security

We implement reasonable administrative, technical, and physical safeguards designed to protect Personal Information against unauthorized access, use, or disclosure. No method of transmission or storage is 100% secure; we cannot guarantee absolute security.

9) Children’s Privacy

Our website and services are not directed to children under 18, and we do not knowingly collect Personal Information from minors. If you believe a minor has provided information, please contact us to request deletion.

10) Your Privacy Rights

Depending on your jurisdiction, you may have rights such as:

  • Access: Know whether we process your Personal Information and obtain a copy.

  • Correction: Request corrections to inaccurate information.

  • Deletion: Request deletion of Personal Information, subject to exceptions.

  • Portability: Receive your data in a portable format.

  • Opt-Out: Opt out of sales or sharing for targeted advertising (where applicable under state law).

  • Sensitive Data: Limit use and disclosure of sensitive Personal Information (e.g., under California law).

  • Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

How to exercise: Submit a request to team@upperhandsolutions.com. We may need to verify your identity. Authorized agents may submit requests where permitted by law with proper authorization.

State-Specific Notices:

  • California (CCPA/CPRA): You have rights to know, delete, correct, opt-out of sharing for cross-context behavioral advertising, and limit use of Sensitive Personal Information. We provide disclosures in our “Notice at Collection” and honor applicable opt-outs.

  • Virginia, Colorado, Connecticut, Utah: You may have rights to access, correct, delete, and opt out of targeted advertising or certain profiling.

  • Other States: We will comply with applicable state privacy laws as they take effect.

11) International Transfers

If you access our services from outside the United States, your information may be transferred to and processed in the U.S. and other countries with different data-protection laws. Where required, we will implement appropriate safeguards (e.g., Standard Contractual Clauses) for cross-border transfers.

12) Third-Party Links

Our website may link to third-party sites or services. We are not responsible for their privacy practices. Review their policies before providing Personal Information.

13) Changes to This Policy

We may update this Privacy Policy periodically. The “Last Updated” date reflects the most recent changes. Material changes will be posted on our website and/or communicated as required by law.

14) Contact Us

If you have questions or wish to exercise your privacy rights, please contact us at:

Upperhand Solutions, LLC
Address: 1526 W. Main St, Central, SC 29630
Email: team@upperhandsolutions.com
Phone: 864-400-8177
Website: www.upperhandsolutions.com