Privacy Policy

Effective Date: 5/11/2026

ZINC Financial Inc respects your privacy. This Privacy Policy explains how ZINC Financial Inc collects, uses, stores, and protects personal information provided through our website, contact forms, communications, loan inquiry process, application process, borrower support process, and related services.

Overview

Business Contact Information

ZINC Financial Inc

Phone: 559-966-1000

Email: [email protected]

Address: 1525 E. Shaw Ave, Fresno, CA 93710

Website: https://start.zincfinancial.com/zfim-home

Information We Collect

ZINC Financial Inc may collect personal information that you provide directly to us, including:

  • Name

  • Email address

  • Phone number

  • Mailing address

  • Property address or project information

  • Loan inquiry details

  • Application-related information

  • Account or servicing information

  • Draw request information

  • Communications with our team

  • Any other information you choose to provide

We may also collect technical information when you use our website, such as browser type, device information, IP address, pages visited, and website usage information.

How We Use Information

ZINC Financial Inc may use personal information to:

  • Respond to your inquiries

  • Review loan inquiries or applications

  • Schedule and confirm appointments

  • Request or process documents

  • Provide application status updates

  • Provide loan account or servicing updates

  • Provide draw request updates

  • Communicate about payment-related or account-related matters

  • Provide customer support

  • Improve our website, operations, and customer experience

  • Comply with legal, regulatory, underwriting, servicing, or business requirements

SMS / Text Message Policies

SMS Consent

You may voluntarily provide SMS consent (here defined as consent to receive SMS, text message, or mobile messaging from ZINC Financial Inc) when opting-in to a form on our website. You can grant this consent by checking one or more of the clearly-labeled checkboxes on our opt-in form.

You can reply "STOP" at any time to terminate this consent.

If you provide your mobile phone number and opt in to receive text messages from ZINC Financial Inc, we may send you non-marketing transactional SMS messages related to your appointment (appointment reminders).

Text messaging is optional. Message frequency varies. Message and data rates may apply. You may opt out of SMS messages at any time by replying STOP. You may request help by replying HELP.

Your SMS, Text Message, & Mobile Information & Consent is Not Shared

SMS consent is not shared with third parties (except SMS providers).

ZINC Financial Inc does not sell, rent, or share SMS opt-in consent, mobile phone numbers, or text messaging data with third parties for their marketing or promotional purposes.

Any references made in this privacy policy to the sharing of your information exclude SMS / text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of SMS / Text Message services.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Tracking

Usage Data

Usage Data is collected automatically when using our website.

Usage Data may include information such as your device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our website that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access our website by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers, and other diagnostic data.

We may also collect information that your browser sends whenever you visit our website or when you access the website by or through a mobile device.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

  • Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.

  • Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. Learn more about cookies on the Free Privacy Policy website article.

We use both Session and Persistent Cookies for the purposes set out below:

  • Necessary / Essential Cookies. Type: Session Cookies. Administered by: Us. Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

  • Cookies Policy / Notice Acceptance Cookies. Type: Persistent Cookies. Administered by: Us. Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

  • Functionality Cookies. Type: Persistent Cookies. Administered by: Us. Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

  • To provide and maintain our Service, including to monitor the usage of our Service.

  • To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.

  • For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.

  • To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.

  • To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.

  • To manage Your requests: To attend and manage Your requests to Us.

  • For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.

  • For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

Age Restriction

Users of our website must be 18 years of age or older. Our services do not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from anyone under the age of 18 without verification of parental consent, we take steps to remove that information from our servers.

Sharing of Information

ZINC Financial Inc may share personal information only as reasonably necessary to operate our business, provide services, process loan inquiries or applications, support borrower accounts, comply with legal obligations, or work with service providers who assist us.

We may share information with:

  • Internal team members

  • Loan processing, underwriting, closing, servicing, or account support personnel

  • Technology, CRM, communication, hosting, analytics, or operational service providers

  • Legal, compliance, regulatory, or professional advisors

  • Parties involved in a transaction, loan file, account, or servicing matter, as appropriate

  • Government, regulatory, or law enforcement entities when required by law

We do not sell personal information, SMS consent, or mobile opt-in data.

Data Security & Retention

Data Security

ZINC Financial Inc uses reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no website, system, or method of transmission is completely secure, and we cannot guarantee absolute security.

Data Retention

We may retain personal information for as long as reasonably necessary to provide services, manage loan inquiries or accounts, comply with legal or regulatory obligations, resolve disputes, maintain business records, and enforce agreements.

Your Choices

You may contact us to update, correct, or request information about your personal information.

You may opt out of text messages at any time by replying STOP. After you reply STOP, we may send a confirmation message that you have been unsubscribed. You may receive help by replying HELP.

You may also contact us directly:

ZINC Financial Inc

Phone: 559-966-1000

Email: [email protected]

Address: 1525 E. Shaw Ave, Fresno, CA 93710

Third-Party Links

Our website may link to third-party websites or services. ZINC Financial Inc is not responsible for the privacy practices or content of third-party websites.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

Questions about this Privacy Policy may be directed to:

ZINC Financial Inc

Phone: 559-966-1000

Email: [email protected]

Address: 1525 E. Shaw Ave, Fresno, CA 93710

Copyright ZINC Financial, 2026