Privacy Policy

Spearing Capital & Consulting Inc. (“Spearing Capital,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, contact us, or submit a financing inquiry.

1. Scope

This policy applies to information collected through this website and related communications. It does not replace any separate privacy notice, authorization, disclosure, or agreement that may be provided in connection with a specific application, transaction, or customer relationship. If another notice applies to a particular service, that notice will control for that service.

2. Information we collect

Depending on how you interact with us, we may collect:

• Contact and inquiry information: name, email address, telephone number, business name, financing purpose, approximate amount, timing, and other information you choose to provide.
• Transaction and financial information: if you continue beyond an initial inquiry, we may request business, property, ownership, credit, income, asset, liability, and supporting-document information appropriate to the request.
• Communications: records of emails, calls, messages, document exchanges, and other interactions with us.
• Device and usage information: IP address, browser type, device information, pages viewed, referring pages, dates, timestamps, and similar website activity.
• Cookie and similar technology information: identifiers used to operate, secure, and understand use of the website and embedded services.

3. How we collect information

We collect information directly from you, automatically through the website, from service providers that support our operations, and—when appropriate to a financing request—from transaction participants, public records, credit or information providers, and other sources permitted by law.

4. How we use information

• Respond to questions and financing inquiries.
• Evaluate, structure, process, and administer requests and transactions.
• Verify information, prevent fraud, manage risk, and protect our systems and users.
• Operate, maintain, troubleshoot, and improve the website and our services.
• Maintain business records and communicate about an existing request or relationship.
• Comply with applicable laws, regulations, legal processes, and contractual obligations.

5. How we disclose information

We may disclose information as reasonably necessary to:

• Service providers: companies that provide website hosting, forms, customer-relationship management, communications, document handling, analytics, security, professional, and administrative services.
• Transaction participants: parties involved in evaluating, processing, documenting, servicing, or completing a financing request, subject to applicable law and the purpose for which the information was provided.
• Professional advisers: attorneys, accountants, auditors, consultants, and other advisers supporting our business.
• Legal and safety purposes: government authorities or other parties when required by law or reasonably necessary to protect rights, safety, property, systems, prevent fraud, or respond to legal process.
• Business transactions: a buyer, successor, or adviser in connection with a merger, acquisition, financing, reorganization, or sale of all or part of a business, subject to appropriate protections.

We do not sell personal information in exchange for money. Certain privacy laws define “sale” or “sharing” more broadly; rights available under those laws are described below.

6. Cookies and embedded services

The website and embedded forms may use cookies or similar technologies that are necessary for functionality, security, preferences, and measurement. Third-party services may collect information under their own privacy policies. You can control many cookies through your browser settings, but disabling them may affect website functionality.

7. Communications

When you provide an email address or telephone number, we may use it to respond to your inquiry and communicate about a request or relationship. Providing contact information through a general inquiry does not by itself constitute consent to receive automated marketing calls or texts. If consent is required for a particular communication, it will be requested separately. You may ask us to stop nonessential communications at any time.

8. Data retention

We retain information for as long as reasonably necessary for the purposes described in this policy, to manage a request or relationship, meet legal and regulatory obligations, resolve disputes, enforce agreements, and maintain appropriate business records. Retention periods vary based on the information and context.

9. Security

We use administrative, technical, and physical safeguards designed to protect information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for using appropriate care when sending information and for avoiding unsecured channels for sensitive documents.

10. Your privacy choices and rights

Depending on your residence and applicable law, you may have rights to request access to, correction of, deletion of, or a copy of certain personal information; to limit or object to certain processing; or to withdraw consent where processing is based on consent. These rights may be subject to exceptions, verification, and record-retention requirements.

To submit a privacy request, email info@spearing.capital or write to the address below. Please describe your request and the information needed to identify the relevant records. We may need to verify your identity and authority before responding.

11. Children’s privacy

This website is intended for business owners, real estate investors, and other adults. It is not directed to children under 18, and we do not knowingly collect personal information from children through this website.

12. Third-party websites

Our website may link to or embed services operated by third parties. We are not responsible for their privacy practices, content, or security. Review the privacy policies of third-party services before providing information directly to them.

13. Changes to this policy

We may update this policy to reflect changes in our practices, services, technology, or legal obligations. The “Last updated” date indicates when the current version took effect. Material changes may be communicated through the website or another appropriate method.

14. Contact us

Spearing Capital & Consulting Inc.
8875 Hidden River Parkway, Suite 300
Tampa, Florida 33637
Phone: 813-566-1441
Email: info@spearing.capital