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Privacy Policy

Privacy Policy
Effective Date: November 12, 2025
Company: ZhyDen Financial Group
Address: 5555 Glenridge Connector, Suite 200, Atlanta, Georgia 30342
Phone: (470) 924-2422
Website: www.ZhyDen.com

1. Introduction

ZhyDen Financial Group (“ZhyDen,” “we,” “us,” or “our”) values your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit an application, or engage with our financial products and services, including loans, merchant processing, and business funding solutions.

By using our site or services, you consent to this Privacy Policy. If you do not agree, please do not use our website or submit personal information.

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. By providing your mobile phone number, you consent to receive SMS/MMS communications from (Business Name). You may opt-out of receiving these messages at any time by replying with “STOP. To opt-out of receiving SMS/MMS messages, simply reply “STOP” to any text message you receive from us.

2. Information We Collect

We collect information that helps us provide and improve our services, including:

A. Personal Information

  • Full name, business name, and contact details (address, email, phone number)
  • Social Security Number (SSN) or Employer Identification Number (EIN)
  • Business formation documents and ownership information
  • Bank statements, financial history, and transaction data
  • Credit scores or credit reports (when authorized)

B. Automatically Collected Information

  • IP address, browser type, operating system
  • Device identifiers and usage logs
  • Cookies, web beacons, and analytics data

C. Information from Third Parties

We may receive information from lenders, credit bureaus, financial partners, and marketing affiliates to verify your eligibility or improve service quality.

3. How We Use Your Information

ZhyDen uses your data for legitimate business purposes, including:

  • Processing and evaluating loan or funding applications
  • Verifying identity and preventing fraud
  • Managing your account or loan
  • Communicating with you about your application or account
  • Improving our website and customer experience
  • Complying with legal and regulatory requirements
  • Marketing products or services that may benefit your business (you may opt out anytime)

4. Information Sharing and Disclosure

We may share information with:

  • Lending Partners: To match you with the best funding option
  • Service Providers: For payment processing, underwriting, or data verification
  • Credit Bureaus: For credit checks or reporting purposes
  • Legal Authorities: When required by law, court order, or regulation
  • Business Transfers: If ZhyDen merges, sells, or transfers ownership
  • We never sell your personal information to third parties.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Improve website performance and user experience
  • Track marketing effectiveness
  • Customize your online experience
  • You can disable cookies in your browser settings, but some site features may not function properly.

6. Data Security

We implement industry-standard administrative, technical, and physical safeguards to protect your data. However, no online system is 100% secure. You share information with us at your own risk, and we encourage you to use strong passwords and maintain updated devices.

7. Your Rights and Choices

Depending on your location, you may have the right to: Access, correct, or delete your personal data Request limitations on data processing Opt out of marketing communications To exercise these rights, email us at privacy@zhyden.com.

8. Data Retention

We retain personal data as long as necessary to fulfill the purposes described above, comply with legal obligations, or resolve disputes. Financial application data may be retained up to seven (7) years, per industry compliance standards.

9. Third-Party Links

Our website may contain links to third-party websites. ZhyDen is not responsible for the privacy practices or content of those external sites. We encourage users to review the privacy policies of any linked websites.

10. Children’s Privacy

ZhyDen does not knowingly collect or solicit information from individuals under 18 years of age. If we become aware that we have inadvertently collected such data, we will promptly delete it.

11. Changes to This Policy

We may update this Privacy Policy periodically. The “Effective Date” above reflects the latest version. Continued use of our site after updates signifies your acceptance of any changes.

12. Contact Us

For questions, concerns, or requests regarding this Privacy Policy, please contact:
ZhyDen

📍 5555 Glenridge Connector, Suite 200, Atlanta, GA 30342
📧 privacy@zhyden.com
📞 (470) 924-2422

Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the ZhyDen partnerships. Your loan agreement will identify the lender prior to your signing. Loans subject to lender approval.
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ZhyDen® is a Registered Trademark. All rights reserved.

* Same Day Funding is only available in certain states, for term loans up to $100K. Eligibility window is Monday-Friday before 10:30am EST. If checkout is done before 10:30am EST, funds will be available by 5pm local time the same day. If checkout is done after 10:30am EST, or on a weekend or bank holiday, it will not qualify for Same Day Funding and funds will be deposited within 2-3 business days. Eligibility rules around creditworthiness and length of term loan apply.

Eligibility for the lowest rates is very limited, available only to businesses with the strongest creditworthiness and cash flows, and typically businesses that have shown an excellent payment history on prior loan products with ZhyDen. The average rate for term loans is 60.9% APR and the average rate for lines of credit is 52.6% APR. Averages are based on loans originated in the half-year ending March 31, 2023.