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Privacy Policy

Last updated: June 4, 2026

This Privacy Policy explains how PTK Finance Ventures Inc, doing business as PTK Ventures ("PTK Ventures," "we," "our," or "us"), located at 5465 Legacy Drive, Suite 650, Plano, TX 75024, collects, uses, discloses, and protects personal information obtained through our website, applications, and related services (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read and understand this Privacy Policy. If you do not agree, please do not use our Services.

1. Scope and Role

PTK Ventures publishes consumer financial education content covering budgeting, saving, and how credit works. We do not offer, broker, originate, arrange, or refer loans, credit, debt consolidation, debt-reduction, or credit-repair services. For purposes of applicable privacy laws, PTK Ventures acts as a data controller with respect to personal information collected through the Services.

We comply with applicable U.S. privacy laws, including the Texas Data Privacy and Security Act (TDPSA) and the California Consumer Privacy Act (CCPA), as amended by the CPRA, where applicable.

2. Information We Collect

We may collect the following categories of personal information:

a. Identifiers. Name, mailing address, email address, telephone number, date of birth, IP address, and similar identifiers.

b. Financial and Application Information. Information you voluntarily share when contacting us with questions about our educational content. We do not request or collect Social Security numbers, full account numbers, or credit application data.

c. Internet and Technical Information. Device identifiers, browser type, operating system, pages visited, referring URLs, and interactions with our website.

d. Communications. Records of communications with us, including emails, phone calls, text messages, chat messages, or support inquiries.

e. Inferences. Information derived from the data above to support eligibility review, fraud prevention, and service improvement.

We do not knowingly collect personal information from children under the age of 18.

3. Sources of Information

We collect personal information from:

  • You directly (for example, inquiries, forms, applications, and communications)
  • Your interactions with our website
  • Service providers assisting with website hosting, security, analytics, or operational support
  • Information lawfully obtained to support identity verification, fraud prevention, or compliance obligations

4. How We Use Personal Information

We use personal information to:

  • Respond to your inquiries and provide educational content you request
  • Operate our educational SMS tips program when you opt in
  • Prevent fraud and abuse of our Services
  • Communicate with you about your inquiry or content you subscribed to
  • Provide and maintain our Services
  • Comply with legal, regulatory, and reporting obligations
  • Improve website functionality, security, and user experience

We do not use personal information for unrelated third-party advertising purposes.

5. SMS Text Messaging and Mobile Information

When you provide your mobile phone number and opt in to receive text messages from PTK Ventures, we collect your mobile phone number, your consent records, and records of the messages we exchange with you (including STOP and HELP responses). We use this information solely to operate our educational SMS tips program, including sending budgeting, saving, and personal-finance educational content, responding to your inquiry, and managing your messaging preferences. We do not send offers for loans, credit, debt relief, or other financial products.

No mobile information will be shared with third parties or affiliates for marketing or 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.

We may share your mobile information only with service providers and subcontractors (such as messaging platforms and aggregators) strictly to the extent necessary to deliver our messaging services on our behalf, and only under obligations of confidentiality.

Message frequency varies. Message and data rates may apply. You may opt out of text messages at any time by replying STOP. For help, reply HELP or contact us at 1-800-854-0797. Opting out of text messages will not affect your ability to contact us through other means.

6. Sharing of Information

We do not sell personal information.

We may share personal information only as necessary to:

  • Operate and maintain the Services and our educational content
  • Comply with applicable laws, regulations, subpoenas, or legal processes
  • Protect the rights, property, or safety of PTK Ventures, our users, or others
  • Work with service providers who perform services on our behalf under confidentiality obligations

All sharing is limited to what is reasonably necessary for these purposes.

7. Cookies and Analytics

We use cookies and similar technologies to operate our site, remember your preferences, and understand how visitors use the site. You can disable cookies in your browser, though some features may not work as intended.

8. Eligibility Review

PTK Ventures does not perform credit checks, eligibility reviews, or any underwriting of any kind. We never pull your credit report and our content cannot affect your credit score.

9. Data Retention and Security

We retain personal information only for as long as necessary to fulfill the purposes described in this Policy or as required by law.

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, or misuse. However, no system is completely secure, and we cannot guarantee absolute security.

10. Your Privacy Rights

a. Texas Residents (TDPSA).

Texas residents have the right to:

  • Access personal data we hold about you
  • Correct inaccuracies
  • Request deletion of personal data
  • Obtain a portable copy of your data
  • Opt out of targeted advertising or profiling with significant effects

b. California Residents (CCPA/CPRA).

California residents have the right to:

  • Know what personal information we collect and how it is used
  • Request access to or deletion of personal information
  • Correct inaccurate personal information
  • Opt out of the sale or sharing of personal information (we do not sell data)
  • Not be discriminated against for exercising privacy rights

11. Exercising Your Rights

You may submit a privacy request by:

We may take reasonable steps to verify your identity before processing a request. Requests will be addressed within applicable legal timeframes. If a request is denied, you may appeal the decision by contacting us using the same methods above.

12. Sensitive Personal Information

We do not request or collect sensitive personal information (such as Social Security numbers, full financial account numbers, or government ID numbers) through the Services.

13. No Discrimination

We will not discriminate against you for exercising any privacy rights under applicable law.

14. Updates to This Policy

We may update this Privacy Policy from time to time. When changes are made, the updated Policy will be posted with a revised effective date. Continued use of the Services constitutes acceptance of the updated Policy.

15. Contact Us

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

PTK Finance Ventures Inc dba PTK Ventures
5465 Legacy Drive, Suite 650
Plano, TX 75024
Phone: 1-800-854-0797
Email: contact@gotlending.info

See also our Terms of Service.