Privacy Policy

1. Introduction

Viking Financial Services ("Viking," "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 information obtained through our website at vikingfinancialservices.com (the "Site") and through any other interactions you have with us in connection with our business funding services.

By accessing or using our Site, submitting a funding application, or communicating with us, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy.

Viking Financial Services is a direct business lender headquartered at 1151 Hammond Dr NE, Suite 240, Atlanta, GA 30346.

2. Information We Collect

Information You Provide Directly

When you submit a funding application, contact us, or otherwise interact with our services, we may collect:

• Personal identification information (name, email address, phone number)
• Business information (business name, state of operation, time in business)
• Financial information (monthly revenue, funding amount sought, funding type)
• Communication preferences, including SMS consent status
• Any additional information you provide in free-text fields or direct communications

Information Collected Automatically

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

• IP address and approximate geographic location
• Browser type and version
• Pages visited and time spent on our Site
• Referring URLs and exit pages
• Device type and operating system
• Cookie and tracking technology data (see Section 8)

3. How We Use Your Information

We use the information we collect for the following purposes:

• To process and evaluate your business funding application
• To communicate with you about your application, offers, and funding status
• To send SMS/text message communications when you have provided explicit consent (see Section 5)
• To send email communications about our products, services, and promotions
• To improve our website, products, and customer experience
• To comply with applicable laws, regulations, and legal processes
• To detect, prevent, and address fraud, security issues, or technical problems
• To enforce our Terms & Conditions and other agreements

4. Sharing Your Information

Viking Financial Services respects the confidentiality of your personal and business information. We do not sell your personal information to third parties.

We may share your information in the following limited circumstances:

• Service Providers: We may share information with trusted third-party vendors who assist us in operating our business (e.g., email delivery, data storage, analytics). These providers are contractually obligated to protect your information and use it only for the services they provide to us.
• Legal Compliance: We may disclose information when required by law, subpoena, court order, or other legal process, or to protect the rights, property, or safety of Viking Financial Services, our customers, or others.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our Site of any such change.
• With Your Consent: We may share your information with third parties when you have given us explicit consent to do so.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. SMS / Text Message Communications

Opting In

You may opt in to SMS communications by checking the SMS consent checkbox on our contact/application form. Your opt-in is recorded with a timestamp and is associated with your submitted contact information.

Opting Out

You may opt out of SMS communications at any time by replying STOP to any text message received from Viking Financial Services. Your opt-out will be processed within 24 hours, and you will receive one final confirmation message. You may also opt out by emailing us at pamela@vikingfinancialservices.com with the subject line "SMS Opt-Out."

6. Data Security

Viking Financial Services implements reasonable and appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption, access controls, and secure data storage practices.

However, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee the absolute security of your information, and you provide it at your own risk. If you believe your information has been compromised, please contact us immediately.

7. Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including:

• Access: The right to request a copy of the personal information we hold about you.
• Correction: The right to request correction of inaccurate or incomplete information.
• Deletion: The right to request deletion of your personal information, subject to certain legal exceptions.
• Opt-Out of Marketing: The right to opt out of receiving marketing communications from us at any time.
• Data Portability: Where applicable, the right to receive your information in a portable format.

To exercise any of these rights, please contact us at pamela@vikingfinancialservices.com. We will respond to your request within the timeframe required by applicable law.

California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). Please contact us for more information about exercising your California privacy rights.

8. Cookies and Tracking Technologies

Our Site may use cookies and similar tracking technologies to enhance your browsing experience, analyze Site traffic, and understand usage patterns. Cookies are small text files stored on your device.

Types of cookies we may use include:

• Essential Cookies: Necessary for the Site to function properly.
• Analytics Cookies: Help us understand how visitors interact with our Site.
• Marketing Cookies: Used to deliver relevant advertisements and track campaign performance.

You can control cookies through your browser settings. Disabling cookies may affect certain Site functionality. Most browsers allow you to refuse cookies or to delete existing cookies.

9. Children's Privacy

Our Site and services are intended solely for use by adults operating businesses. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have inadvertently collected information from a minor, we will take prompt steps to delete such information. If you believe we have collected information from a minor, please contact us immediately.

10. Changes to This Privacy Policy

Viking Financial Services reserves the right to update or modify this Privacy Policy at any time. We will notify you of material changes by posting the revised policy on our Site with an updated "Last Updated" date. We encourage you to review this policy periodically.

Your continued use of our Site or services after the effective date of any changes constitutes your acceptance of the revised Privacy Policy.

11. Contact Us

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