CapLink, LLC (“CapLink,” “we,” “us,” or “our”) respects the privacy and security of the information entrusted to us. This Privacy Policy describes how we collect, use, disclose, and protect information in connection with our business funding and cash flow relief services and our website, CapLinkFunding.com.

CapLink provides financing and related services exclusively for business and commercial purposes. Our products and services are not offered for personal, family, or household purposes.

1. Information We Collect

In connection with an application for, underwriting of, funding of, or servicing of a commercial financing transaction, we may collect information concerning a business and its owners, principals, guarantors, representatives, and other associated individuals.

This information may include:

• Names, business and residential addresses, email addresses, and telephone numbers;
• Business names, entity information, Employer Identification Numbers (EINs), and ownership information;
• Social Security numbers, dates of birth, identification information, and other information used to verify identity;
• Bank account and routing information;
• Bank statements, account balances, deposits, withdrawals, and transaction history;
• Existing loans, advances, financing arrangements, and other funding obligations;
• Business and personal credit information and credit reports;
• Financial statements, revenue information, accounts receivable information, and other business financial information;
• Documents and information submitted in connection with an application, underwriting, funding, servicing, or collection activity; and
• Communications and correspondence with CapLink or our representatives.

We may also automatically collect limited technical information when someone accesses our website, such as IP address, browser type, device information, pages visited, and similar website usage information.

2. Sources of Information

CapLink primarily receives applicant and customer information through independent sales organizations (“ISOs”) and other authorized business funding partners. These partners may collect application information and supporting documentation from a business and its owners, principals, or representatives and transmit that information to CapLink for evaluation and processing.

Information may be transmitted to CapLink through email, electronic systems, third-party integrations, application programming interfaces, or other business communication methods.

We may also obtain information directly from applicants and customers and from third parties used to verify, underwrite, fund, administer, or service a commercial financing transaction, including credit reporting agencies, financial institutions, and other information providers as permitted by law.

3. Mobile Data

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. You can opt out at any time by replying "STOP". Message and data rates may apply. Message frequency varies.

By agreeing to receive SMS communications from Caplink Funding you agree to receive Customer care Messages, Message frequency may vary . Message and data rates may apply. For help, reply 'HELP' or email us at Privacy@CapLinkFunding.com. You can opt out at any time by replying 'STOP.'

4. How We Use Information

We may use information we collect to:

• Evaluate and underwrite applications for commercial funding;
• Verify the identity of businesses and their owners, principals, or guarantors;
• Obtain and evaluate business or personal credit information where authorized;
• Verify bank accounts, revenues, balances, transaction histories, and existing financial obligations;
• Determine eligibility for funding and establish funding terms;
• Prepare, execute, and administer commercial financing agreements;
• Fund transactions and process payments;
• Service and administer existing funding relationships;
• Communicate with applicants, customers, ISOs, and other parties involved in a transaction;
• Maintain business, accounting, compliance, and transaction records;
• Prevent or investigate fraud, unauthorized activity, or other misuse;
• Protect CapLink's legal rights and enforce contractual obligations;
• Conduct collection or legal activities when necessary;
• Comply with applicable laws, regulations, court orders, subpoenas, and other legal requirements; and
• Operate, maintain, secure, and improve our systems and services.

CapLink does not use applicant or customer information for unrelated third-party marketing.

5. Disclosure of Information

CapLink does not sell personal information.

CapLink does not disclose applicant or customer information to third parties for their independent marketing purposes, and CapLink does not distribute or submit applications or customer information to third-party funders for the purpose of obtaining financing from those third parties.

We may disclose information when reasonably necessary to operate our business, provide and service commercial funding, process transactions, protect our rights, or comply with applicable law. Such disclosures may include disclosures to:

• Banks, payment processors, and financial service providers involved in funding or processing payments;
• Credit reporting agencies and identity, financial, or other verification providers;
• Technology, hosting, document processing, communications, security, and other service providers that perform services on our behalf;
• Auditors, accountants, legal counsel, and other professional advisors when reasonably necessary;
• Government agencies, courts, regulators, law enforcement, or other parties when required or permitted by law; and
• A successor or potential successor in connection with a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction.

If an account becomes delinquent, enters collections, becomes subject to a dispute, or otherwise requires enforcement or legal action, CapLink may disclose information concerning the business, transaction, account, owners, principals, or guarantors to attorneys, collection agencies, courts, or other parties reasonably necessary to collect amounts owed, enforce contractual rights, resolve disputes, or pursue or defend legal claims.

Third-party service providers receiving information on our behalf are expected to use that information only as appropriate to perform the services for which it was provided and to appropriately protect the information.

6. Credit Information

As part of our underwriting and servicing processes, CapLink may obtain business credit reports and, where authorized and permitted by applicable law, personal credit reports concerning business owners, principals, or guarantors.

Credit information is used for legitimate business purposes associated with evaluating, underwriting, administering, or servicing commercial financing.

7. Communications and Text Messages

CapLink may communicate with applicants, customers, business owners, guarantors, and their representatives by telephone, email, or text message in connection with an application, funding transaction, account servicing, payment, documentation request, or other aspect of the business relationship.

CapLink does not use customer information to conduct unrelated third-party marketing campaigns.

Message and data rates imposed by a customer's wireless carrier may apply to text communications.

8. Website Analytics and Cookies

CapLink may use cookies and similar technologies to operate its website, maintain security, understand website usage, and improve website functionality.

We may use third-party analytics services, such as Google Analytics, to obtain aggregated or statistical information regarding use of our website. If such services are implemented, those providers may collect technical information such as IP addresses, browser information, device information, and interactions with our website in accordance with their applicable terms and privacy practices.

CapLink does not use website analytics information for the sale of personal information.

9. Information Security

CapLink maintains administrative, technical, and physical safeguards designed to protect information against unauthorized access, acquisition, disclosure, alteration, loss, or destruction.

Information maintained electronically by CapLink is hosted using secured infrastructure and data center environments employing recognized security and operational controls.

While we take reasonable measures to protect information, no electronic transmission, network, or information storage system can be guaranteed to be completely secure.

10. Data Retention

CapLink retains information for as long as reasonably necessary to process applications, provide and service funding, maintain appropriate business and transaction records, enforce contractual rights, resolve disputes, prevent fraud, satisfy legal and regulatory obligations, and fulfill other legitimate business purposes.

When information is no longer reasonably required for these purposes, CapLink may securely delete, destroy, anonymize, or otherwise dispose of the information in accordance with applicable law and our information retention practices.

11. Information Concerning Business Owners and Representatives

Although CapLink provides funding exclusively for business and commercial purposes, information collected in connection with a business transaction may identify individual business owners, principals, guarantors, employees, or representatives.

We treat such personal information in accordance with this Privacy Policy and applicable law.

12. State Privacy Rights

Depending upon an individual's state of residence and applicable law, the individual may have certain rights concerning personal information maintained by CapLink.

These rights may include, where applicable, the right to request information concerning personal information we maintain, request correction of inaccurate information, or request deletion of certain information.

These rights are subject to applicable exceptions. For example, CapLink may retain information when necessary to complete or administer a transaction, comply with legal obligations, prevent fraud, maintain required business records, establish or defend legal claims, or enforce contractual rights.

Requests concerning personal information may be submitted to Privacy@CapLinkFunding.com.

We may take reasonable steps to verify the identity and authority of a person submitting a privacy request before acting upon it.

13. Information About Children

CapLink provides commercial financing services to businesses and does not knowingly solicit or collect personal information from children under 18 in connection with its services.

14. Changes to This Privacy Policy

CapLink may update this Privacy Policy periodically to reflect changes in our business practices, technology, legal requirements, or services.

When we make changes, we may update the effective date displayed at the beginning of this Privacy Policy. Material changes may be communicated through our website or by other appropriate means where required by law.

15. Contact Us

CapLink, LLC
Georgia, United States
Privacy@CapLinkFunding.com