Privacy Policy

1. Information We Collect

Personal Information

We collect information that you voluntarily provide to us when you:

• Submit a funding application
• Contact us through our website or by phone
• Subscribe to our newsletter or marketing communications
• Use our website and services

This information may include:

• Personal Identifiers: Name, address, phone number, email address, Social Security Number
• Business Information: Business name, address, type, years in operation, ownership details
• Financial Information: Revenue, expenses, credit scores, bank account information, tax returns
• Supporting Documents: Bank statements, financial statements, business licenses, tax documents

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and usage patterns:

• IP address and location information
• Browser type and version
• Device information and operating system
• Pages visited and time spent on our website
• Referring website or source
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect for the following purposes:

Primary Business Purposes

• Process Applications: Evaluate your funding application and determine eligibility
• Underwriting: Assess creditworthiness and business qualifications
• Funding Services: Provide approved funding and manage repayment
• Customer Service: Respond to your inquiries and provide support
• Account Management: Manage your account and funding agreements

Communication and Marketing

• Send updates about your application status
• Provide customer service and support
• Send marketing communications about our services (with opt-out options)
• Send important notices about policy changes or service updates

Legal and Compliance

• Comply with applicable laws and regulations
• Prevent fraud and ensure security
• Respond to legal requests and enforce our agreements
• Maintain records as required by law

3. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in:

• Processing and underwriting applications
• Credit reporting and verification services
• Payment processing and banking services
• Technology services and data storage
• Legal and professional services

Funding Partners

We may share your information with our funding partners and lenders to:

• Facilitate funding approvals and disbursements
• Enable loan servicing and collection
• Provide additional funding opportunities

Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal processes, court orders, or government requests
• Protect our rights, property, or safety
• Prevent fraud or illegal activities
• Enforce our terms of service or other agreements

4. Data Security

We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction:

Technical Safeguards

• Encryption: All sensitive data is encrypted in transit and at rest
• Secure Servers: Information is stored on secure servers with restricted access
• Firewalls: Network security measures to prevent unauthorized access
• Regular Updates: Security software and systems are regularly updated

Administrative Safeguards

• Access Controls: Limited access to personal information on a need-to-know basis
• Employee Training: Staff trained on privacy and security procedures
• Background Checks: Screening of employees with access to sensitive information
• Incident Response: Procedures for responding to security incidents

5. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and collect information about how you use our site:

Types of Cookies We Use

• Essential Cookies: Required for website functionality and security
• Analytics Cookies: Help us understand how visitors use our website
• Marketing Cookies: Used to deliver relevant advertisements
• Preference Cookies: Remember your settings and preferences

Managing Cookies

You can control cookies through your browser settings. However, disabling certain cookies may affect the functionality of our website. You can:

• Accept or decline cookies when prompted
• Set your browser to block all cookies
• Delete cookies that have already been set
• Set your browser to block cookies from specific websites

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

Access and Correction

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request a copy of your information in a portable format

Communication Preferences

• Opt-out: Unsubscribe from marketing communications at any time
• Preferences: Update your communication preferences
• Do Not Call: Request to be added to our internal do-not-call list

Exercising Your Rights

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within a reasonable timeframe and in accordance with applicable law.

7. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law. Factors we consider when determining retention periods include:

• The nature and sensitivity of the information
• Legal and regulatory requirements
• The purposes for which we collected the information
• Whether we have an ongoing business relationship with you

8. Third-Party Websites

Our website may contain links to third-party websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the privacy policy of every site you visit, as we have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us. If we become aware that we have collected personal information from children without verification of parental consent, we will take steps to remove that information from our servers.

10. International Data Transfers

If you are located outside the United States, please note that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection laws of the United States may differ from those of your country. By using our services, you consent to the transfer of your information to the United States.

11. Changes to This Privacy Policy

We may update our privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on this page and updating the "Last Updated" date. You are advised to review this privacy policy periodically for any changes. Changes to this privacy policy are effective when they are posted on this page.

12. Contact Information

If you have any questions about this privacy policy, your personal information, or wish to exercise your privacy rights, please contact us:

We will respond to your inquiry as soon as possible, typically within 30 days of receiving your request.