Privacy Policy

1. Introduction

Capitari ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit a loan application, or otherwise interact with our business lending services. By accessing or using our services, you agree to the terms of this Privacy Policy.

2. Information We Collect

We may collect the following categories of information:

2.1 Personal Information

• Full name, date of birth, and Social Security Number
• Business name, EIN, and business address
• Email address, phone number, and mailing address
• Financial information, including bank statements, revenue figures, and credit history
• Employment and ownership information

2.2 Automatically Collected Information

• IP address, browser type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Device identifiers and geolocation data
• Cookies and similar tracking technologies

2.3 Information from Third Parties

• Credit reporting agencies and public databases
• Business verification services
• Marketing partners and advertising networks

3. How We Use Your Information

We use the information we collect for the following purposes:

• To evaluate and process your loan application or funding request
• To verify your identity, business information, and creditworthiness
• To communicate with you about your application, account, and our services
• To match you with lending partners who may offer financing products suited to your needs
• To improve our website, services, and customer experience
• To comply with legal obligations and enforce our agreements
• To send marketing communications, where permitted by law
• To detect and prevent fraud, unauthorized access, and other illegal activities

4. How We Share Your Information

We may share your information with the following parties:

• Lending Partners: Third-party lenders, financial institutions, and funding providers who may offer you financing products
• Service Providers: Companies that perform services on our behalf, such as data analytics, credit verification, email delivery, and hosting
• Legal and Regulatory: Government agencies, law enforcement, or other parties when required by law, subpoena, or legal process
• Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets
• With Your Consent: When you have provided explicit consent for a specific sharing purpose

5. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar technologies to collect information about your browsing activity. These technologies help us analyze website traffic, personalize your experience, and deliver targeted advertising. You can manage your cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features on our website.

6. Data Security

We implement administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include encryption of data in transit and at rest, access controls, firewalls, and regular security assessments. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. When your information is no longer required, we will securely delete or anonymize it.

8. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request that we delete your personal information, subject to legal exceptions
• Opt-Out: Opt out of marketing communications at any time by following the unsubscribe instructions in our emails or contacting us directly
• Do Not Sell: Request that we do not sell your personal information to third parties

To exercise any of these rights, please contact us using the information provided below.

9. Third-Party Links

Our website may contain links to third-party websites and services. We are not responsible for the privacy practices or content of those third parties. We encourage you to review the privacy policies of any third-party website you visit.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make changes, we will revise the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us: