General

Business Capital, LLC (“We” or the “Company” or “Business Capital, LLC” or “BusinessCapital.com”), and our affiliates respect your privacy and want you to understand how we collect, use, disclose, and protect your information. This Privacy Policy applies when you visit or interact with BusinessCapital.com or any subdomains or mobile applications owned by the Company (collectively the “Site”). While this not is not a consumer website and is intended for business-to-business communication, some information collected is personal in nature. This Policy applies to any information collected through your direct use of the Site, as well as through any means of electronic messaging and by telephone. This Policy also describes your choices in updating and accessing your information.

Acknowledgement and Agreement

The Site is only intended for use by legal residents of the United States and individuals 18 years of age or above. By visiting, submitting information, or otherwise engaging with the Site, you signify that you have read, understand, and agree to our Privacy Policy and our Terms of Use. If you do not agree, are not a legal resident of the United States or are under the age of 18, then immediately discontinue use of the Site.

Your Information

What Information We Collect

We collect business and personal information through various sources in response to your use of our Site and as necessary to deliver our services and products. The examples below are an illustrative, not comprehensive, overview of the data we collect.

• Contact and Personal Information including; your name, email address, mailing address, phone number, and social security number.
• Business and Financial Information including; your business name, business address, industry type, tax ID, and ownership verifications.
• Financial Information including; your business bank account information, payment behaviors, and transaction details. BusinessCapital.com utilized the services of Plaid, a secure third-party, to access your data directly from your financial institution. Through connecting with Plaid you grant BusinessCapital.com the authority to access and transmit your financial information for the duration of our effort to fulfill your business funding needs.
• Unique Identifiers and Behavioral Data, including; IP address, location data, logs, the equipment or devices you use to access our Site, search queries, and your activity data as you navigate through the Site.

How We Collect Your Information

BusinessCapital.com LLC collects your information:

• Directly from you when you submit it, either through your use of the Site or provided by you through any other means of written or verbal communication. Written and verbal communication means any interaction with us, including but not limited to phone conversations, emails, text messages, SMS messaging, and the exchange of signed documents.
• From third parties, including but not limited to our affiliates and business partners, service providers or vendors, credit reporting agencies, or public records.
• From tracking technologies used to collect and analyze your non-personal information through your use of the Site. Like most websites, this data is collected automatically through various means, including cookies, flash cookies, web beacons, embedded scripts, and IP capture technologies.

Why We Collect Your Information

We collect your information in response to your request for business funding. By using this Site and submitting your business, personal, and financial information to us, you are giving us consent to use this information to evaluate your eligibility for business funding products and services provided by BusinessCapital.com, our affiliates and business partners. Additionally, we may use, store, compile, and analyze your information to:

• Communicate with you and manage our relationship, which includes responding to your requests, inquiring about your business needs, sending marketing communications, offering additional services or products, providing account updates, and requesting customer feedback in the form of surveys or reviews.
• Generate reports, analyze data, and conduct research for improving our Site and services, to better understand our customers’ needs and interests, and overall provide an improved, safer, more efficient funding experience.
• Fulfill our legal obligations, including verifying your identity in a reasonable effort to guard against fraud, enforce our contractual rights, or comply with any state or federal laws.

Information Disclosure

Through your participation in the Site, you acknowledge that the information you submit may be shared with BusinessCapital.com in response to your interest in our business products and services. By submitting your information to us through our Application and acknowledging that you have read and accepted the Terms and Conditions. Please note that by clicking “continue” on our Application, you are providing written consent for BusinessCapital.com to obtain and review your consumer and business credit reports.

We will share your information:

Third Party Websites

The Site may contain links to other websites whose Privacy Policy differs from that of BusinessCapital.com. If you visit, submit information, or otherwise engage with any website linked through the Site or provided by us via email, then we encourage you to read the Privacy Policy of that website carefully. Social media companies and other third-party companies linked with our site may also collect non-personal information about your visit to our Site through recognition and tracking technologies, including your IP address and which pages you are visiting. Our Site includes social media widgets and features, such as the Facebook “like” button and Twitter icon. These social media features are likely hosted by the company proving it and subject to the Privacy Policy of that company. BusinessCapital.com also utilizes web analytics tools, including Google Analytics, which helps us assess how you engage with and navigate through our site. The information collected by Google Analytics is anonymous and does not contain personally identifiable information.

Managing Your Information

Submitting your personal, business, and financial information through the BusinessCapital.com Application is voluntary. Once submitted, your information is subject to the Privacy Policy and Terms and Conditions to which you agreed by clicking “continue” and we may not be able to process a request to delete or modify this information in certain circumstances. You have the following choices in controlling your information, regarding:

• Engagement with tracking technologies: BusinessCapital.com does not respond to “Do Not Track” requests. However, you can set your browser and privacy settings to refuse cookies or alert you when cookies are being sent. Your browser or mobile device will often have a setting to disable cookies, which may have an impact on your ability to engage with certain features of our Site.
• Communication Preferences: All emails sent directly from BusinessCapital.com, whether promotional or during the normal course of business, contain an “Unsubscribe” link which, once clicked, will automatically stop you from receiving similar emails in the future. If a business advisor or other BusinessCapital.com representative sends you a direct e-mail, or you receive an email in error, you may send a return e-mail asking to be omitted from receiving future communications and we will make every effort to process your request in a timely manner.
• Choosing not to receive phone calls, text messages, or e-mail communications will disrupt and prevent your ability to receive our products and services. If you have already received a product or service from us, then we will make a reasonable effort to respect your privacy while fulfilling our contractual and legal obligations per the terms of the signed Funding Agreement.
• Disclosure of your Information: BusinessCapital.com does not distribute your contact or personal information to companies for marketing or advertising purposes. The Site contains the testimonials of our customers, primarily using third-party service providers, and may contain the basic information which you choose to submit, such as your name or company name. If you do not wish to have your information publicly displayed on our Site or via social media, and you are unable to modify or remove your testimonial through the third-party to which you provided it, then send an e-mail stating your request to [email protected].
• Changing or Modifying your Information: If your personal, business, or financial information changes then you may update it at anytime by contacting your dedicated business advisor or emailing us at [email protected]. We will not respond to or accommodate requests we have reasonable cause to believe are incorrect or unverifiable, or if we believe such a change would violate any legal requirements. If you believe we have information that was submitted fraudulently or by an unauthorized user, then send your request to [email protected] and we will respond appropriately.

SMS Consent

At BusinessCapital.com, we respect the privacy of our customers and are committed to protecting your personal information. By providing your consent to receive SMS communications, you acknowledge that such consent is for the exclusive use of BusinessCapital.com. We do not sell, share, transfer, or otherwise disclose your SMS consent to any third parties. Your consent to receive SMS messages is used solely for communications related to our services, and you may withdraw this consent at any time by following the opt-out instructions provided in the messages.

SMS Messaging Consent

At Business Capital LLC, we respect your privacy and are committed to protecting your personal information. By opting in to receive SMS communications, you agree to receive up to 3 text messages per week regarding our services, promotions, and updates. Standard message and data rates may apply as determined by your carrier.

Opt-Out and Support:
You can opt out at any time by replying STOP. For assistance, reply HELP or contact us at [email protected] or 877-400-0297.

Privacy Protection:
We do not sell, share, or transfer your SMS opt-in information to third parties for marketing purposes. Your SMS consent is used solely for communications related to Business Capital LLC services.

Privacy

California Privacy Rights

Residents of California have specific rights regarding privacy under California State Law. If you are a permanent resident of California and want to request this information in writing as permitted once per year, then submit your request along with your current California address in an email to [email protected]. In compliance with the disclosures required by California law regarding commercial websites: BusinessCapital.com does not respond to or honor “do not track” signals, nor we enable or engage in the collections of personally identifiable information about your online activities across third-party websites when you visit our Site.

Security

BusinessCapital.com uses both various technologies and operational procedures to keep your information safe from unauthorized use or access. We take the security of your Personal Information seriously and employ measures to guard against the theft, misuse, or alteration of your information. Protective technologies include safeguards like firewall barriers and data encryption with Transport Layer Security (TLS). We also use encryption such as the Secure Socket Layer (SSL) protocol when we transmit confidential information. Our procedural protections include storing your information in controlled facilities and limiting access only as necessary for employees to fulfill their responsibilities.

While we take all reasonable measures to protect your information, no technology or facility is entirely without flaw or impenetrable to certain threats. We also cannot guarantee all your personally identifiable information and communications with us will not be disclosed, as necessary or required by law, court order, auditor demand, to resolve disputes, other reasonable sources not described in this Privacy Policy. You use the Site and provide BusinessCapital.com with your information at your own risk. If we have reason to believe any security breach, information tampering, or unauthorized access has occurred within the Company, then we will investigate the situation and communicate with you when appropriate.

Changes To Our Privacy Policy

BusinessCapital.com reserves the right to update or edit this Privacy Policy at any time and without notice. The “Last Updated” date will change with every modification, so we encourage you to review this Policy each time you visit the Site. Any changes to our Privacy Policy are made in response to changes in customer needs, relevant laws, or new technologies and are intended to enhance your experience with clarity about your information.