California Privacy Notice

1. Introduction

This California Privacy Notice ("Notice") supplements our Privacy Policy and applies solely to residents of the State of California. This Notice is provided pursuant to the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, "CCPA"). Any terms defined in the CCPA have the same meaning when used in this Notice.

2. Categories of Personal Information Collected

In the preceding twelve (12) months, Capitari has collected the following categories of personal information from California consumers:

3. Purposes for Collection and Use

We collect and use personal information for the following business and commercial purposes:

• Processing and evaluating loan applications and funding requests
• Verifying identity and business information
• Matching applicants with suitable lending partners and financial products
• Communicating about application status, account information, and available services
• Improving our website, products, and services
• Marketing and advertising, including personalized offers
• Detecting and preventing fraud and security threats
• Complying with legal obligations

4. Disclosure and Sale of Personal Information

In the preceding twelve (12) months, we may have disclosed personal information to third parties for business purposes, including to lending partners, service providers, and analytics providers. Categories of information disclosed include identifiers, financial information, commercial information, and internet activity.

Capitari may share personal information with third-party lending partners in a manner that may constitute a "sale" or "sharing" of personal information as defined under the CCPA. You have the right to opt out of this activity as described below.

5. Your California Privacy Rights

As a California resident, you have the following rights under the CCPA:

5.1 Right to Know

You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which we collected the information, our business or commercial purpose for collecting or selling the information, and the categories of third parties with whom we share the information.

5.2 Right to Delete

You have the right to request that we delete personal information we have collected from you, subject to certain exceptions. We may deny your deletion request if retaining the information is necessary for us or our service providers to comply with legal obligations, detect security incidents, or exercise or defend legal claims.

5.3 Right to Correct

You have the right to request that we correct inaccurate personal information that we maintain about you.

5.4 Right to Opt Out of Sale/Sharing

You have the right to opt out of the "sale" or "sharing" of your personal information. To exercise this right, please contact us using the methods described below or visit our Opt-Out page.

5.5 Right to Limit Use of Sensitive Personal Information

You have the right to limit the use and disclosure of your sensitive personal information to purposes necessary to perform the services or provide the goods you requested.

6. Non-Discrimination

Capitari will not discriminate against you for exercising any of your CCPA rights. We will not deny you goods or services, charge you different prices or rates, provide you a different level or quality of goods or services, or suggest that you may receive a different price or rate or a different level or quality of goods or services for exercising your rights.

7. How to Exercise Your Rights

To submit a request to know, delete, correct, or opt out, you may contact us through any of the following methods:

• Email: contact@capitari.com with the subject line "California Privacy Request"
• Phone: (888) 312-8055
• Mail: Capitari, 99 Wall Street, Suite #1826, New York, NY 10005

We will verify your identity before processing your request. You may designate an authorized agent to make a request on your behalf by providing the agent with written permission signed by you. We may require the agent to provide proof of authorization and may also require you to verify your identity directly with us.

We will respond to verifiable consumer requests within forty-five (45) days of receipt. If we require additional time, we will inform you of the reason and extension period in writing, up to a maximum of ninety (90) days total.

8. Changes to This Notice

We may update this California Privacy Notice from time to time. Changes will be effective upon posting to this page with an updated "Last Updated" date. We encourage you to review this Notice periodically.

9. Contact Us

If you have any questions about this California Privacy Notice or wish to exercise your rights, please contact us: