Privacy & Data Protection

Your Privacy Matters.

This Privacy Policy explains how Stamberger Capital Management LLC collects, uses, and protects your information when you use our services.

Legal & Regulatory Disclosure

Privacy Policy

This Privacy Policy is provided in accordance with applicable U.S. federal and state privacy laws, including the Gramm-Leach-Bliley Act (“GLBA”), Fair Credit Reporting Act (“FCRA”), and applicable consumer protection and data privacy regulations.

Stamberger Capital Management LLC (“Company,” “we,” “us,” or “our”) operates as a financial services platform that may act as a lender, broker, loan facilitator, and/or marketplace intermediary connecting consumers with third-party financial institutions, lenders, brokers, and referral partners.

By using our Services, you expressly consent to the collection, use, disclosure, and sharing of your information as described in this Policy.

1. What We Collect (Personal Information)

We collect personal and financial information necessary to provide lending and financial matching services.

  • Identifiers: name, address, email, phone number, date of birth
  • Financial data: income, employment, banking, credit history
  • Government identifiers: SSN, EIN, passport or national ID (where permitted)
  • Device data: IP address, browser, cookies, and usage behavior

2. How We Use Your Information

  • To process, evaluate, and underwrite loan applications
  • To facilitate credit decisions and lending offers
  • To match users with lenders, brokers, or referral partners
  • To comply with legal, regulatory, AML, and KYC obligations
  • To prevent fraud, identity theft, and financial crimes
  • To provide customer support and account servicing

3. Fair Credit Reporting Act (FCRA) Notice

We may obtain and use consumer reports and related credit information in connection with your application. By submitting an application, you authorize us and our partners to obtain credit reports and verify your identity and financial standing.

If your application is declined or adverse action is taken based on information obtained from a consumer reporting agency, you may be entitled to receive an adverse action notice including the name of the reporting agency.

4. Telephone Consumer Protection Act (TCPA) Consent

By providing your phone number, you expressly consent to receive calls, text messages, and prerecorded or autodialed communications from us, our affiliates, lenders, brokers, and referral partners.

These communications may include marketing messages, application updates, and servicing notifications. Consent is not a condition of purchase or loan approval.

5. How We Share Information

  • Licensed lenders, banks, and credit providers
  • Mortgage brokers and loan originators
  • Referral partners (non-licensed marketing introducers)
  • Identity verification, credit bureaus, and fraud prevention providers
  • Regulatory, law enforcement, and government agencies where required

We do not sell personal information in exchange for monetary consideration outside the scope of financial service facilitation and regulatory-approved sharing.

6. Legal Basis for Processing

  • Performance of a contract or loan application
  • Compliance with legal obligations (FCRA, AML, KYC, GLBA)
  • Legitimate business interests (fraud prevention, risk management)
  • Explicit user consent where required

7. GLBA Financial Privacy Notice

We protect non-public personal financial information in accordance with the Gramm-Leach-Bliley Act (GLBA). We maintain physical, electronic, and procedural safeguards to protect the confidentiality and integrity of consumer financial data.

8. Data Security

We implement industry-standard safeguards including encryption, access controls, network monitoring, and secure data storage systems designed to protect against unauthorized access or disclosure.

9. Data Retention

We retain personal information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements, including regulatory retention requirements.

10. Your Privacy Rights

  • Right to access personal data
  • Right to correct inaccurate data
  • Right to request deletion (subject to legal retention limits)
  • Right to restrict or object to processing
  • Right to withdraw consent
  • Right to opt out of marketing communications

11. Adverse Action Notice

If you are denied credit or receive less favorable terms based on information obtained from a consumer reporting agency or other third parties, you may be entitled to an adverse action notice that includes the reason(s) for the decision and information about your rights under applicable law.

12. Data Transfers

Your information may be transferred and processed outside your state or country of residence where service providers or affiliates operate. Appropriate safeguards are implemented for such transfers.

13. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be posted with an updated effective date. Continued use of the Services constitutes acceptance of updates.

Contact Information

Stamberger Capital Management LLC
Privacy Compliance Department
Email: support@stambergercapitalllc.com