Privacy Policy

Last Updated: December 10, 2025

Phundid (“Phundid,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains what information we collect, how we use it, who we share it with, and the choices you have. This policy applies to all visitors, applicants, and users of Phundid.com and related services.

By using our website or submitting information to us, you agree to this Privacy Policy.

1. What Phundid Does

Phundid helps dental offices offer and manage in-house financing for their patients.

We do not issue loans. Instead, we:

• Help evaluate patient eligibility (credit checks, income review, documentation)

• Help set up repayment plans directly between the patient and the dental office

• Collect payments on behalf of the dental office

• Send payment reminders and account notifications

• Assist with delinquency management and may refer unpaid accounts to collections

This policy explains how we handle information involved in those activities.

2. Information We Collect

We collect the following types of information:

Personal Information

• Name

• Address

• Phone number

• Email

Financial & Eligibility Information

• Income and employment details

• Credit-related information

• Identity verification documents

• Banking or payment details (when setting up a payment method)

Account & Payment Information

• Payment history

• Installment plan details

• Missed or late payments

• Communications related to your account

Website & Device Information

Automatically collected when you visit the site:

• IP address

• Browser type

• Device type

• Pages visited

• Cookies and tracking data (see Cookie section below)

3. How We Use Your Information

We use your information to:

• Evaluate your eligibility for your dental provider’s in-house financing program

• Communicate with you about your application or account

• Process payments and manage your payment plan

• Send reminders about upcoming or overdue payments

• Provide support or answer questions

• Detect and prevent fraud or misuse

• Comply with legal and regulatory obligations

• Improve our services and website

We do not use your financial data for marketing unrelated products.

4. How We Share Your Information

We only share your information when necessary to provide our services. This includes:

With Your Dental Provider

To evaluate eligibility and manage your in-house financing.

With Third-Party Service Providers

Such as:

• Payment processors

• Credit check partners

• Customer support tools

• Collection agencies (only when required for past-due accounts)

All service providers are required to protect your information and use it only for purposes tied to Phundid.

SMS Opt-In Sharing

Your SMS opt-in information is not sold and is not shared with any third parties for marketing.

Your SMS opt-in is only shared with:

• Phundid (for account communications)

• Your dental provider (to support your account communications)

We never sell or trade SMS consent information.

Legal Requirements

We may share information if required by law, court order, or regulatory request.

5. SMS Terms & Conditions (A2P10DLC Compliance)

By providing your mobile number to Phundid, you agree to receive text messages related to:

• Updates on your application

• Account status

• Payment reminders

• Payment date changes

• Important notices about your plan or provider

• General customer communication

Message Frequency

Messages are sent as needed. Frequency varies depending on your account activity.

Cost

Message and data rates may apply depending on your carrier.

Opt-Out

You can stop receiving messages at any time by replying STOP.

You may continue to receive non-SMS communications as needed.

Help

For help, reply HELP or contact us at:

[email protected]

Opt-In Sharing

Phundid does not sell or share SMS opt-in information with third parties for advertising.

It is only used by Phundid and your dental provider to communicate with you about your account.

Consent & Eligibility

Your consent to receive messages is not a condition of receiving services.

However, opting out of SMS may limit our ability to send timely reminders or updates.

6. Cookies & Tracking Technologies

Phundid uses cookies and similar technologies to improve your experience.

Types of Cookies We Use

• Essential Cookies – Needed for the site to function

• Analytics Cookies – Help us understand how visitors use the site

• Performance Cookies – Improve speed and usability

How We Use Cookies

• Remember your preferences

• Analyze website traffic

• Improve our services

Managing Cookies

You can adjust cookie settings in your browser.

If you disable cookies, some parts of the site may not work properly.

7. Payments & Delinquency Handling

Phundid processes payments on behalf of your dental provider.

If Your Account Becomes Past Due

We may:

• Send reminders

• Attempt to collect payment

• Notify your dental provider

• Refer the account to a third-party collection agency

This process is part of your agreement with your dental provider.

8. How We Protect Your Information

We use industry-standard safeguards, including:

• Encryption

• Secure servers

• Access controls

• Monitoring for unauthorized access

However, no system is 100% secure, and we cannot guarantee absolute protection.

9. Your Privacy Rights

Depending on your state, you may have rights such as:

• Requesting a copy of your data

• Asking us to correct inaccurate information

• Requesting deletion of certain data

• Opting out of certain data uses

You can contact us to exercise these rights.

10. Children’s Privacy

Our services are not intended for individuals under the age of 18.

We do not knowingly collect information from children.

11. Changes to This Policy

We may update this Privacy Policy occasionally.

We will post the new version on this page with the updated date.

12. Contact Us

If you have questions about this policy or your data, contact:

Phundid Support

Email: [email protected]

Website: https://phundid.com