SMS Opt-In Consent Documentation — Starfish Advance
Starfish Advance Privacy Policy
Effective as of May 7, 2026
Last updated May 7, 2026
Introduction
At Starfish Advance LLC (“Starfish Advance,” “we,” “our,” or “us”), protecting your privacy is not just a legal obligation—it’s a core part of how we operate. We know that when you share your personal and business information with us, you’re placing trust in our team, and we take that responsibility seriously.
This Privacy Policy explains how we collect, use, share, and protect your information when you visit our website, interact with our applications, or use our financing and business services (collectively, the “Services”).
By using our Site or Services, you consent to this Privacy Policy. If you do not agree, you should discontinue use of our Site or Services. From time to time, we may update this Privacy Policy to reflect new practices, technology, or legal requirements. Any changes will be posted here with a revised “Last Updated” date.
1. Information We Collect
We may collect different types of information from you depending on how you interact with us. These fall into four general categories:
Information You Provide Directly – such as name, address, phone, email, Social Security number, business details, financial information, and documents you upload during the funding application process.
Information from Your Activity – including Site usage patterns, IP address, browser/device type, and general location data.
Information About Others – if you provide details about third parties (e.g., business partners or co-owners) in your application or communications.
Information from External Sources – such as credit bureaus, fraud-prevention databases, verification providers, and referral partners.
2. How We Use Information
We use your information for purposes that include but are not limited to:
Evaluating and processing your application for financing.
Verifying identity, business history, and eligibility.
Servicing accounts, including payments and customer support.
Communicating with you about updates, opportunities, or offers.
Preventing fraud, protecting security, and meeting compliance obligations.
Conducting analytics to improve our Services and user experience.
Fulfilling legal, regulatory, and contractual requirements.
3. How We Share Information
We may share your information in the following circumstances:
With Service Providers: such as technology vendors, data storage partners, customer support platforms, and marketing providers.
With Business Partners: including brokers, referral partners, and lenders in connection with financing opportunities.
For Legal Reasons: to comply with law, enforce agreements, or protect against fraud or misuse.
In Business Transactions: in the event of a merger, acquisition, sale, or reorganization.
With Your Consent: whenever you explicitly authorize us to do so.
We do not sell or rent your personal information. Opt-in mobile numbers and consent are never shared with third parties for marketing purposes.
SMS Text Messaging Communications
If you opt in, Starfish Advance and its authorized representatives will send you SMS text messages related to your funding account. This section describes our SMS program in detail.
Program Description. Messages may include funding confirmation, onboarding check-ins from your assigned account manager, payment reminders, payment-issue follow-ups, account servicing updates, renewal eligibility notifications, and customer service responses.
How You Opt In. You opt in to receive SMS messages by initialing the dedicated SMS consent block in Section 7.11(B) of the Starfish Advance Receivables Purchase Agreement, executed electronically via SignNow at the time of funding. Consent is optional and is not a condition of receiving funding from Starfish Advance.
Message Frequency. Message frequency varies based on your funding lifecycle and account activity, typically ranging from several messages per week in the early days following funding to occasional messages thereafter.
Costs. Message and data rates may apply. These charges are determined by your wireless carrier, not by Starfish Advance.
How You Opt Out. You may opt out of SMS messages at any time by replying STOP to any message. You will receive a confirmation message and no further SMS messages will be sent. Reply HELP for help, or contact us at help@starfishadvance.com.
No Sharing of Mobile Information. Mobile information, including phone numbers and SMS opt-in status, will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors that support our messaging operations (such as SmartMCA/Nexus and Twilio) is limited to what is necessary to deliver the Services and is governed by contractual confidentiality obligations.
Carrier Disclaimer. Wireless carriers are not liable for delayed or undelivered messages.
Cookies and Tracking
We use cookies and similar technologies to personalize your experience, measure performance, and improve our Site. You can control cookie preferences through your browser or opt-out tools provided by Google, Facebook, and other major platforms.
Your Choices
Marketing Emails: You can unsubscribe anytime using the link in our emails or by contacting us.
Privacy Controls: California and other state residents may use our “Do Not Sell or Share My Personal Information” link in the footer to exercise opt-out rights.
Browser Signals: We respect Global Privacy Control (GPC) signals as opt-out requests where applicable.
Security
We employ commercially reasonable technical and organizational safeguards to protect the confidentiality of your information. While no system is completely secure, we are committed to continuously improving our data security practices.
Children's Privacy
Our Services are designed for businesses and business owners. We do not knowingly collect personal information from children under 13.
State-Specific Rights
Nevada Residents: You may request to opt out of certain information “sales” under Nevada law.
California Residents: The California Consumer Privacy Act (CCPA), as amended by the CPRA, grants rights to access, correct, delete, and opt out of the sale or sharing of personal information. Details on exercising these rights are available in our California-specific notice.
Third-Party Links
Our Site may contain links to external sites. We are not responsible for the privacy practices or content of those third-party websites.
Accessibility
We strive to make our Privacy Policy accessible. If you require this document in an alternative format, please reach out to us.
Contact Us
If you have questions, requests, or concerns about this Privacy Policy, please contact us:
Starfish Advance LLC
Email: help@starfishadvance.com