Last Updated: January 1, 2026
Ricardo Chang DDS PA ("we," "our," or "us") 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
We may collect personal information that you voluntarily provide to us when you:
- Submit a contact form or funding inquiry
- Communicate with us via email
- Apply for business funding or financing
- Opt in to receive SMS/text message communications
Personal information may include:
- Name and contact information (email address, mailing address)
- Business information (company name, industry, revenue data)
- Financial information necessary to evaluate funding applications
- Communication preferences and consent records
How We Use Your Information
We use the information we collect to:
- Process and evaluate your funding applications
- Communicate with you about our services and your account
- Send marketing and promotional messages (with your consent)
- Improve our website, services, and customer experience
- Comply with legal obligations and protect our business interests
SMS & Text Message Communications
If you opt in to receive SMS or text message communications from Ricardo Chang DDS PA, the following terms apply:
Consent and Enrollment
By providing your mobile phone number and checking the SMS opt-in box on our contact form, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Ricardo Chang DDS PA sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.
Message Frequency and Rates
Message frequency varies. You may receive up to 4 messages per month. Message and data rates may apply based on your mobile carrier's plan. Please contact your mobile carrier for details about your messaging plan and any applicable fees.
Opt-Out Instructions
You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. After sending STOP, you will receive one final confirmation message indicating that you have been unsubscribed. You will not receive further messages unless you re-opt in.
Help and Support
For assistance or questions about our SMS program, reply HELP to any message or contact us at ricardo@ricardochangdds.com.
Consent Not Required for Purchase
Consent to receive SMS messages is NOT a condition of purchase or of using our services. You may still apply for and receive funding without opting in to text messages.
Mobile Number Changes
If you change your mobile phone number, please notify us immediately to update your contact information and ensure you continue receiving messages (if opted in) or to prevent messages from being sent to a reassigned number.
Sharing Your Information
We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information with:
- Service providers who assist us in operating our business (e.g., payment processors, data analytics)
- Financial institutions or partners involved in funding transactions
- Legal and regulatory authorities when required by law or to protect our rights
Important: 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.
Data Security
We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Your Privacy Rights
Depending on your location, you may have certain rights regarding your personal information, including:
- The right to access, correct, or delete your personal information
- The right to opt out of marketing communications (including SMS)
- The right to request a copy of the information we hold about you
To exercise these rights, please contact us at ricardo@ricardochangdds.com.
Cookies and Tracking Technologies
Our website may use cookies and similar tracking technologies to enhance your browsing experience and collect information about how you use our site. You can control cookies through your browser settings.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.
Children's Privacy
Our services are not directed to 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 without parental consent, we will take steps to delete that information.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date.
Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:
Ricardo Chang DDS PA
305 Marble Canyon Drive
Wellington, FL 33414
Email: ricardo@ricardochangdds.com