1. Who We Are
IrmAria LLC is a financial services company organized in Illinois with its principal place of business at 4422 N Ravenswood Avenue, Chicago, IL 60640. We provide personal and small-business capital-access services, including funding inquiries, loan packaging, and brokered placements with partner lenders.
2. Information We Collect
Information you give us
When you submit a funding inquiry, complete an application, or contact us by phone or email, you may share information such as:
- Identifying information: name, email address, phone number, mailing address, date of birth.
- Financial information: requested funding amount, intended use of funds, income, employment, and (during a full application) bank statements, tax returns, and credit-report authorization.
- Business information (for business inquiries): legal entity name, EIN, time in business, revenue, and similar details.
- Communications: the content of emails, voicemails, and notes from conversations with our team.
Information collected automatically
When you visit our website, we and our service providers may automatically collect limited technical data, including:
- IP address, device type, browser type, operating system.
- Pages visited, time on site, referring URL.
- Cookies and similar technologies that enable basic site functionality and analytics.
Information from third parties
With your consent, we may receive information about you from credit-reporting agencies, identity-verification providers, partner lenders, and service providers we engage to evaluate applications.
3. How We Use Your Information
We use the information we collect to:
- Respond to your inquiry and communicate with you about your application.
- Evaluate your eligibility and structure an offer that fits your situation.
- Originate, service, and (where applicable) collect on loans.
- Place applications with partner lenders, with your consent.
- Verify your identity and prevent fraud.
- Comply with applicable legal, regulatory, and reporting obligations.
- Improve our services and develop new offerings.
- Send important account communications and, where permitted, optional updates.
4. How We Share Your Information
We do not sell your personal information. We share information only in the following circumstances:
- Partner lenders — when you authorize us to place your application with a third-party lender for a brokered product.
- Service providers — vendors who help us operate our business (technology hosting, document storage, identity verification, accounting, legal counsel, professional advisors). They are contractually required to keep your information confidential and to use it only as we direct.
- Credit reporting agencies — where required by law or to evaluate an application you have submitted.
- Legal and safety — when required by subpoena, court order, regulator request, or to prevent fraud or protect rights and safety.
- Business transfers — in connection with a merger, acquisition, or sale of all or part of our business, with appropriate confidentiality protections.
5. Your Rights and Choices
Depending on your state of residence, you may have one or more of the following rights:
- Access — request a copy of the personal information we hold about you.
- Correction — request that we correct inaccurate information.
- Deletion — request that we delete information about you, subject to legal exceptions (we generally must retain records of credit applications and decisions for several years under federal law).
- Opt-out — opt out of optional marketing communications at any time by replying "unsubscribe" to a marketing email or contacting us directly.
- Do Not Sell or Share (California) — California residents have additional rights under the CCPA, including the right to opt out of "sale" or "sharing" of personal information. We do not sell or share information for cross-context behavioral advertising.
To exercise any of these rights, contact us at Info@Irmariallc.com. We will respond within the timeframe required by applicable law.
6. How We Protect Your Information
We use administrative, technical, and physical safeguards designed to protect the information you share with us, including encrypted transport (HTTPS), encrypted document storage, multi-factor authentication for staff access, and written information-security policies. No system is perfectly secure, but we take reasonable steps consistent with industry standards for a small financial services firm.
7. How Long We Keep Information
We retain information for as long as needed to provide our services and to comply with our legal, tax, and regulatory obligations. For loan applications and lending decisions, federal law generally requires retention of records for at least 25 months after the date of decision, and longer in certain cases.
8. Children's Privacy
Our services are intended for adults age 18 and older. We do not knowingly collect information from anyone under 18. If you believe a child has provided us information, please contact us so we can delete it.
9. Cookies and Analytics
Our website uses essential cookies required for the site to function and may use limited analytics cookies (such as Google Analytics or Plausible) to understand how visitors find and use the site. You can disable cookies in your browser settings; some features may not work without them.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last updated" date above and, where appropriate, notify you by email or with a prominent notice on the website.
11. Contact Us
If you have questions about this Privacy Policy or how we handle your information, contact:
IrmAria LLC
4422 N Ravenswood Ave
Chicago, IL 60640
Phone: (872) 233-8248
Email: Info@Irmariallc.com