GRUBER SOLUTIONS
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PRIVACY POLICY

Last Updated: April 3, 2026

GRUBER SOLUTIONS LLC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

INFORMATION WE COLLECT

Personal Information

We may collect personal information that you voluntarily provide to us when you:

  • Submit a contact form or loan application
  • Request information about our services
  • Sign up for SMS communications
  • Correspond with us via email or other channels

Personal information may include:

  • Name and contact information (email address, mailing address, phone number)
  • Business information (company name, industry, revenue, years in business)
  • Financial information (loan amount requested, purpose of financing, business financial data)
  • Any other information you choose to provide

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and usage patterns, including:

  • IP address and browser type
  • Operating system and device information
  • Pages viewed and time spent on pages
  • Referring website addresses
  • Date and time of visits

HOW WE USE YOUR INFORMATION

We use the information we collect to:

  • Process and evaluate loan applications
  • Communicate with you about our services
  • Send marketing and promotional messages (with your consent)
  • Respond to your inquiries and provide customer support
  • Improve our website and services
  • Comply with legal obligations and enforce our terms
  • Prevent fraud and maintain security

SMS & TEXT MESSAGE COMMUNICATIONS

Text Messaging Program

If you opt in to receive SMS/text messages from GRUBER SOLUTIONS LLC, we may send you recurring marketing and promotional SMS/MMS messages using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.

Message Frequency: Message frequency varies. You may receive up to 4 messages per month.

Message and Data Rates: Message and data rates may apply depending on your mobile carrier and plan.

Opt-Out: You can opt out at any time by replying STOP to any text message you receive from us. After you send STOP, we will send you a confirmation message and you will no longer receive messages from us.

Help: For assistance, reply HELP to any message or contact us at joseph@gruber-solutions.com.

Consent Not Required: Consent to receive SMS messages is NOT a condition of purchase or use of our services. You may contact us through other means.

Mobile Information Sharing: 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.

INFORMATION SHARING AND DISCLOSURE

We May Share Your Information With:

  • Service Providers: Third-party vendors who perform services on our behalf (e.g., payment processing, data analysis, email delivery, hosting services)
  • Business Partners: Partners who assist in providing or improving our services
  • Legal Requirements: When required by law, court order, or governmental authority
  • Business Transfers: In connection with a merger, acquisition, or sale of assets
  • Protection of Rights: To protect our rights, privacy, safety, or property, and that of our users

We Do NOT:

  • Sell your personal information to third parties
  • Share your SMS opt-in data with third parties for marketing purposes
  • Rent or lease your contact information

DATA SECURITY

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

DATA RETENTION

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

YOUR PRIVACY RIGHTS

Depending on your location, you may have certain rights regarding your personal information, including:

  • Access: Request access to the personal information we hold about you
  • Correction: Request correction of inaccurate or incomplete information
  • Deletion: Request deletion of your personal information
  • Opt-Out: Opt out of marketing communications at any time
  • Data Portability: Request a copy of your data in a structured format

To exercise these rights, please contact us at joseph@gruber-solutions.com.

COOKIES AND TRACKING TECHNOLOGIES

We may use cookies, web beacons, and similar tracking technologies to enhance your experience on our website. You can set your browser to refuse cookies or alert you when cookies are being sent. Note that some parts of our website may not function properly if you disable cookies.

THIRD-PARTY LINKS

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

CHILDREN'S PRIVACY

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete such information.

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

CONTACT US

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

GRUBER SOLUTIONS LLC
180 Talmadge Rd Unit 61
Edison, NJ 08817

Email: joseph@gruber-solutions.com

GRUBER SOLUTIONS LLC

Direct Business Lending
Edison, NJ 08817

joseph@gruber-solutions.com

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