Policy version history
Every published version of our Privacy Policy, Terms of Use, Disclosures, and Security page, with the date it took effect and a plain summary of what changed.
| Policy | Version | Effective | What changed |
|---|---|---|---|
| Terms of Use | 1.2 | September 25, 2026 | Names the parties: these Terms are an agreement between you and JayBen, LLC dba Manufactor Finance. Governing law now refers to the state in which JayBen, LLC is organized. Replaced the AI assistant section with the current Mary disclosure: she may answer calls, text messages, and website chats; general answers can be wrong, funding partner matching is consent-based, she does not book appointments or callbacks, and she shares the partner application with prospective partners. Updated location and service-area wording to say services are delivered remotely by our US-based team. |
| Disclosures | 5.0 | September 25, 2026 | Rewrote the AI assistant disclosure: Mary may answer calls, text messages, and website chats; she answers general questions as best she can, her answers can be incomplete or wrong and are not financial, legal, or tax advice, she takes details and asks for consent for funding partner matching, she does not book appointments or callbacks, and she shares the partner application with prospective funding partners. Short disclaimer updated to match. Added the Chat setting: Mary's chat loads only when the visitor starts it, saves a chat cookie so the conversation follows between pages, is recorded and stored by our CRM provider, can be turned off in cookie preferences, and is not blocked by Global Privacy Control. The CRM provider's external tracking script now loads only with Analytics consent. Removed chat history from the Functional cookie category. Updated location and service-area wording to say services are delivered remotely by our US-based team. Updated cost presentation wording so guides and calculators show total dollars repaid, without implying Manufactor Finance presents or compares offers. |
| Privacy Policy | 1.2 | September 25, 2026 | Replaced the AI assistant section with the current Mary disclosure: she may answer calls, text messages, and website chats; general answers can be wrong, funding partner matching is consent-based, she does not book appointments or callbacks, and she shares the partner application with prospective partners. Removed scheduled callback references. Added the Chat setting: Mary's chat loads only when the visitor starts it, saves a chat cookie so the conversation follows between pages, is recorded and stored by our CRM provider, can be turned off in cookie preferences, and is not blocked by Global Privacy Control. The CRM provider's external tracking script now loads only with Analytics consent. Removed chat history from the Functional cookie category. Updated location and service-area wording to say services are delivered remotely by our US-based team. |
| Disclosures | 1.1 | September 9, 2026 | Partner-sharing disclosure reworded; the number of partners is no longer stated. |
| Security | 1.0 | September 4, 2026 | First published security and information handling page. |
| Disclosures | 1.0 | September 3, 2026 | Consolidated referral service, compensation, advertising, and state model disclosures with a versioned stamp. |
| Privacy Policy | 1.1 | September 3, 2026 | Added consent records, notice at collection, opt-out mechanics, Global Privacy Control handling, and the published retention table. |
| Terms of Use | 1.1 | September 3, 2026 | Added the consent record clause and aligned referral service disclosures. |
| Privacy Policy | 1.0 | August 1, 2026 | First published Privacy Policy. |
| Terms of Use | 1.0 | August 1, 2026 | First published Terms of Use. |