1. Who We Are
Zeni Holdings, LLC, a Pennsylvania limited liability company, doing business as Pulse Business Finance and PBF Pulse ("Pulse," "we," "us," or "our"), provides fractional CFO, project-based CFO ("CFO Lite"), debt and growth capital advisory, and AI and technology strategy services to businesses.
This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit www.pbfpulse.com (the "Site"), use our online fit check assistant, submit a form, book a call, receive our emails, or otherwise interact with us online (together, the "Services"). Our contact information is in Section 18.
2. Scope
This Policy applies to visitors to our Site, prospective clients, referral partners, and people who receive our communications. Because our Services are directed to businesses, most personal information we collect relates to individuals acting in a professional capacity, such as business owners, executives, and advisors.
This Policy does not apply to:
- Financial records and other confidential information we receive from clients during an engagement. That information is governed by the client's engagement letter and its confidentiality terms.
- Third-party websites and services we link to or use for scheduling and maps (for example, Google Calendar, Google Maps, and LinkedIn). Those services are governed by their own privacy policies.
3. Information We Collect
3.1 Information you provide to us
- Contact and professional details: first and last name, work email address, phone number, company, firm or organization, and professional role.
- Business profile information: annual revenue range, timeline, the service or type of financing you are interested in, and anything you write in free-text fields.
- Fit check conversations: the messages you type into our AI-assisted fit check and the assistant's responses (see Section 5).
- Scheduling information: details you provide when booking a call, such as your name, email, preferred time, and notes.
- Communications: emails, messages, and notes from calls or meetings with us.
- Meeting recordings: if we record or transcribe a video meeting (for example, in Google Meet), we tell all participants and ask for their consent before recording begins. You may decline, and the meeting will continue without recording.
- Referral information: if a CPA, banker, attorney, or other professional introduces you to us, the information they share with your permission.
Please do not send us sensitive information through the Site. Our forms and fit check are not designed to receive Social Security or taxpayer identification numbers, bank or card account numbers, login credentials, tax returns, personal financial statements, health information, or confidential information about other people. If you become a client, we will provide a secure method for exchanging documents. If we receive sensitive information through the Site, we may delete it.
3.2 Information collected automatically
When you use the Site, we and our service providers automatically collect device and usage information, such as IP address, approximate location derived from your IP address (for example, city or state), browser and device type, operating system, referring web page, pages viewed, links clicked, and the date and time of your visit. We collect this information using cookies and similar technologies described in Section 6.
3.3 Information from other sources
- Referral partners and professional contacts who introduce you to us.
- Publicly available sources, such as company websites, professional networking profiles, business directories, and public filings, which we may review to understand your business before a conversation.
- Service providers, such as our scheduling and customer relationship management tools, which tell us about your interactions with us (for example, whether a meeting was booked or an email was opened).
4. How We Use Personal Information
We use personal information to:
- Respond to your inquiries and provide the information you request.
- Understand your needs, evaluate fit, and recommend a next step, including through our fit check.
- Schedule, prepare for, and follow up on calls and meetings.
- Provide, administer, and bill for our services under an engagement letter.
- Send business communications and marketing about our services, insights, and events, subject to your right to opt out (Section 8).
- Maintain relationships with referral partners and other professionals.
- Operate, secure, analyze, and improve the Site, and detect and prevent spam, fraud, and misuse.
- Comply with legal obligations, enforce our agreements, and establish, exercise, or defend legal claims.
- Evaluate or carry out a merger, acquisition, financing, reorganization, or sale of all or part of our business.
- Carry out any other purpose disclosed to you when the information is collected or with your consent.
We will not use personal information for purposes materially different from those described here without notifying you and, where required by law, obtaining your consent.
5. Our AI-Assisted Fit Check
The "60-second fit check" on our Site is an automated assistant powered by artificial intelligence. It is not a person.
- What it does: it asks a few questions about your business and suggests which of our services, if any, may fit and what a sensible next step would be, such as booking a call.
- What it collects: your first name and the other information you choose to provide, including your last name, business name, email address, and phone number. It also asks what problem you want to solve, where you are in your decision-making process, your annual revenue range, and whether you have raised outside capital.
- Recording and storage: your conversation is recorded and stored in our customer relationship management (CRM) system so that we can review it and follow up with you. By starting a conversation, you consent to this recording and to the processing described in this Section. If you do not agree, please do not use the fit check; you can email us instead.
- AI service provider: your messages are sent to our AI service provider, Anthropic, PBC, to generate responses. Under the commercial terms that apply to our account, the provider may not use our conversation data to train its models and retains it only for limited periods for operations, safety, and legal compliance.
- No automated decisions: the fit check's output is informational. It does not make, and we do not rely solely on it to make, any decision that produces legal or similarly significant effects, such as decisions about credit, financing, pricing, or eligibility for our services. A person reviews every inquiry. AI-generated responses may be incomplete or inaccurate and are not financial, legal, tax, accounting, or investment advice.
6. Cookies and Similar Technologies
Cookies are small files placed on your device. We and our service providers also use similar technologies, such as pixels in emails, local storage, and scripts. We use them in the following categories:
| Category | Provider(s) | Purpose | Your choice |
|---|---|---|---|
| Strictly necessary | Vercel (hosting and security) | Deliver pages, keep the Site secure, and remember your cookie choices | Always on |
| Functional | Site code | Remember preferences and the state of your fit check session | Browser settings |
| Analytics | Vercel Web Analytics and Google Analytics | Understand how the Site is used so we can improve it | Off unless you accept via the cookie banner |
| CRM and marketing | HubSpot tracking code | Connect Site visits to inquiries you submit and measure email engagement | Off unless you accept via the cookie banner |
| Advertising | None | We do not currently use advertising cookies or pixels (such as Meta, LinkedIn Insight Tag, or Google Ads remarketing) | Not applicable |
Your choices. You can change your settings at any time through the "Cookie Preferences" link in the Site footer. Most browsers also let you block or delete cookies. You can prevent email tracking pixels from loading by disabling automatic image loading in your email program.
Global Privacy Control. If your browser sends a Global Privacy Control (GPC) signal, we treat it as a request to opt out of any sale or sharing of personal information and of targeted advertising for that browser, and we do not load non-essential analytics or marketing cookies in that browser.
Do Not Track. There is no uniform standard for "Do Not Track" browser signals, and the Site does not currently respond to them. We honor GPC as described above.
Tracking across other websites. Other than service providers acting on our behalf as described in this Policy, we do not knowingly allow third parties to collect personal information about your online activities over time and across different websites through our Site.
7. How We Disclose Personal Information
We disclose personal information only as follows:
- Service providers that process information on our behalf under contracts restricting their use of it, including: website hosting (Vercel); customer relationship management and email (HubSpot); email, productivity, and video meetings (Google Workspace, including Google Meet); scheduling (Google Calendar appointment scheduling); the AI fit check (Anthropic); workflow automation (Zapier); e-signature (Adobe); accounting and billing; and IT and security support.
- Referral partners, such as the CPA or banker who introduced you, only with your permission and to the extent you authorize.
- Lenders, investors, and other third parties at your direction, only as part of an engagement and as you authorize.
- Our professional advisors, such as attorneys, accountants, and insurers, under duties of confidentiality.
- Legal and safety purposes: to comply with law, legal process, or government requests; to enforce our agreements; and to protect the rights, property, or safety of Pulse, our clients, or others.
- Business transfers: in connection with a merger, acquisition, financing, reorganization, or sale of all or part of our business, subject to this Policy.
- With your consent or at your direction.
We may also use and disclose information that has been aggregated or de-identified so that it cannot reasonably be linked to you. We maintain de-identified information in de-identified form and do not attempt to re-identify it.
We do not sell personal information. We do not share personal information for cross-context behavioral advertising or use it for targeted advertising. We do not disclose personal information to third parties for their own direct marketing purposes. We have not done any of these things in the past 12 months.
8. Marketing Communications
Email. If you contact us, subscribe, or have a business relationship with us, we may send you emails about our services, insights, and events. Every marketing email includes an unsubscribe link and our postal address, and you can also unsubscribe at any time through the "Email Preferences" link in the Site footer. We process opt-out requests promptly and in any event within 10 business days. After you opt out, we may still send messages related to an inquiry or engagement.
Text messages and calls. We use phone numbers to respond to your inquiry. We do not send marketing text messages or make autodialed or prerecorded marketing calls without your prior express written consent.
9. How Long We Keep Personal Information
We keep personal information only as long as reasonably necessary for the purposes described in this Policy, unless a longer period is required or permitted by law. Our general retention periods are:
| Record type | Retention period |
|---|---|
| Inquiries and leads that do not become clients | Up to 3 years after our last meaningful interaction |
| Fit check transcripts | Up to 24 months after the conversation |
| Marketing email records | Until you unsubscribe; we keep minimal information on a suppression list so that we continue to honor your opt-out |
| Referral partner contacts | While the relationship is active and 3 years afterward |
| Client relationship records | For the engagement and up to 7 years afterward, or longer if required by law or the engagement terms |
| Analytics and cookie data | For the life of the cookie, generally not more than 13–26 months |
We may keep information longer when needed to comply with law, resolve disputes, or preserve information subject to a legal hold. When information is no longer needed, we delete or de-identify it.
10. How We Protect Personal Information
We use reasonable administrative, technical, and physical safeguards appropriate to the nature of the information we handle, including encryption in transit (HTTPS/TLS), multi-factor authentication on business accounts, access limited to people who need it, encrypted devices, and reputable service providers that maintain their own security programs. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. If a security incident affects your personal information, we will notify you and regulators as required by applicable law, including the Pennsylvania Breach of Personal Information Notification Act.
11. Your Privacy Choices and Rights
11.1 Rights we offer to everyone
Wherever you live, you may ask us to:
- Confirm whether we hold personal information about you and provide a copy of it.
- Correct inaccurate personal information.
- Delete personal information we collected from or about you.
- Stop sending you marketing communications.
We may keep information where the law requires or permits, for example to complete a transaction, maintain security, meet legal obligations, or establish or defend legal claims. If we cannot fully honor a request, we will explain why.
11.2 Additional rights under state law
Residents of states with comprehensive consumer privacy laws, currently including California, Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia, may have additional rights where those laws apply to us. These may include the right to know the categories and sources of personal information we collect and why; to receive a portable copy; to opt out of the sale of personal information, targeted advertising, and certain profiling; to limit the use of sensitive personal information; and to appeal our decision on a request. Some of these laws do not apply to businesses of our size or to information collected in a business-to-business context.
As described above, we do not sell personal information, engage in targeted advertising, or use profiling to make decisions that produce legal or similarly significant effects, and we do not use sensitive personal information to infer characteristics about you.
11.3 How to submit a request
Email privacy@pbfpulse.com with the subject line "Privacy Request," or call (484) 401-9238. To protect your information, we will verify your identity by matching information we already hold, for example by confirming the request from the email address we have on file. You may use an authorized agent; we will ask for your signed permission and may confirm the request with you directly. We will acknowledge your request within 10 business days and respond within 45 days. If we need more time, we will tell you why, and we may extend the period by up to 45 additional days where permitted by law. We do not charge a fee unless a request is manifestly unfounded or excessive.
11.4 Appeals
If we decline your request, you may appeal by replying to our decision with the subject line "Privacy Appeal." We will respond within the time required by applicable law. If we deny your appeal, you may contact the Attorney General of your state.
11.5 No discrimination
We will not discriminate against you for exercising your privacy rights.
12. Additional Information for California Residents
This Section supplements this Policy and applies to California residents to the extent California law applies to us. In the past 12 months, we have collected the following categories of personal information. We collect it from the sources described in Section 3 and use it for the purposes described in Section 4. We have disclosed each category for business purposes only to the service providers and other recipients described in Section 7. We have not sold or shared any category.
| Category | Examples | Disclosed for a business purpose to |
|---|---|---|
| Identifiers | Name, email address, phone number, IP address | Service providers; referral partners with your permission |
| Customer records (Cal. Civ. Code §1798.80(e)) | Name, phone number, employer | Service providers |
| Commercial information | Services of interest, business revenue range, decision stage, whether outside capital has been raised, engagement history | Service providers |
| Internet or other electronic network activity | Pages viewed, links clicked, referring page, email engagement | Service providers (hosting, analytics, CRM) |
| Approximate geolocation | City or state derived from IP address (not precise geolocation) | Service providers (hosting, analytics) |
| Audio, electronic, or visual information | Fit check transcripts; video meeting recordings and transcripts, made only with all participants’ consent | Service providers (AI provider, CRM, Google Workspace) |
| Professional or employment information | Company, title, professional role | Service providers; referral partners with your permission |
| Inferences | Assessment of which service may fit your business | Service providers (CRM) |
Sensitive personal information. We do not intentionally collect sensitive personal information through the Site, and we do not use or disclose it for purposes that would give rise to a right to limit under California law.
Minors. We have no actual knowledge of selling or sharing personal information of consumers under 16.
"Shine the Light." We do not disclose personal information to third parties for their own direct marketing purposes.
Reviewing and correcting information. You may review and request changes to your personal information by contacting us as described in Section 11.3.
13. Nevada Residents
We do not sell covered information as defined in Nevada law. You may still submit an opt-out request to privacy@pbfpulse.com, and we will record it.
14. Children's Privacy
Our Services are intended for business professionals and are not directed to children. We do not knowingly collect personal information from anyone under 16. If you believe a child has provided us with personal information, please contact us and we will delete it.
15. Visitors Outside the United States
We are located in the United States, and the Site is intended for users in the United States. If you access the Site from another country, your information will be transferred to, processed, and stored in the United States, where data protection laws may differ from those in your country.
16. Third-Party Links and Services
The Site links to third-party websites and services, such as Google Calendar for scheduling and Google Maps for directions. When you use them, the third party's privacy policy governs its collection and use of your information. We are not responsible for their practices.
17. Changes to This Policy
We may update this Policy from time to time. We will post the updated Policy on this page and change the "Last Updated" date above. If we make material changes, we will provide a prominent notice on the Site or notify you by email before the change takes effect, where required by law.
18. Contact Us
Questions or requests about this Policy or our privacy practices can be directed to:
Zeni Holdings, LLC d/b/a Pulse Business FinanceAttn: Privacy
219 Fulmer Rd, Pottstown, PA 19465
Email: privacy@pbfpulse.com
Phone: (484) 401-9238
If you have a disability and need this Policy in an alternative format, please contact us and we will provide it.