Privacy Policy

Last Updated: January 2025

1. Information We Collect

1.1 Information You Provide

When you apply for funding or use our services, we collect information you voluntarily provide, including:

• Business Information: Legal business name, DBA, EIN, business address, phone number, email, industry type, years in business, monthly revenue
• Personal Information: Full name, Social Security Number, date of birth, home address, personal email, mobile phone number
• Financial Information: Bank account details, credit score estimates, bank statements, financial records
• Ownership Information: Ownership percentage, title/position in the company
• Funding Details: Requested funding amount, purpose of funding, timeframe needed
• Supporting Documents: Bank statements, tax returns, and other financial documents you upload

1.2 Information We Collect Automatically

When you visit our website, we automatically collect certain information:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, links clicked, referring website
• Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance user experience and analyze website traffic
• Location Data: General geographic location based on IP address

1.3 Information from Third Parties

We may obtain information about you from third-party sources, including:

• Credit Bureaus: Personal and business credit reports, credit scores, payment history
• Banking Institutions: Account verification, balance information, transaction history
• Public Records: Business registrations, liens, judgments, bankruptcy filings
• Identity Verification Services: Identity authentication and fraud prevention data
• Marketing Partners: Contact information and business data from lead generation partners

2. How We Use Your Information

We use the information we collect for the following purposes:

2.1 Application Processing

• Evaluate your funding application and creditworthiness
• Verify the information you provide
• Make funding decisions
• Prepare and execute funding agreements
• Disburse approved funds

2.2 Account Management

• Service your account and manage repayments
• Process payments and monitor account activity
• Send account statements and updates
• Respond to your inquiries and provide customer support
• Manage collections on delinquent accounts

2.3 Communications

• Send application status updates and funding decisions
• Provide important notices about your account
• Send promotional offers and marketing materials (with your consent)
• Conduct surveys and request feedback
• Send administrative messages and service announcements

2.4 Business Operations

• Improve and optimize our website and services
• Analyze user behavior and preferences
• Prevent fraud and ensure security
• Comply with legal and regulatory requirements
• Enforce our Terms and Conditions
• Maintain business records and audit trails

3. How We Share Your Information

We may share your information with third parties in the following circumstances:

3.1 Funding Partners

We work with a network of lenders and funding partners. We may share your application information with these partners to secure funding for your business. Our partners are contractually obligated to protect your information and use it only for evaluation purposes.

3.2 Service Providers

We share information with third-party service providers who perform services on our behalf:

• Payment processors
• Credit reporting agencies
• Identity verification services
• Data analytics providers
• IT and security service providers
• Customer support platforms
• Marketing and advertising partners

3.3 Legal and Compliance

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

• Comply with legal obligations, court orders, or subpoenas
• Respond to government requests
• Enforce our Terms and Conditions
• Protect our rights, property, or safety
• Prevent fraud or illegal activities
• Protect the rights and safety of others

3.4 Business Transfers

If Quick Biz Capital is involved in a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred to the acquiring entity. You will be notified of any such change via email or prominent notice on our website.

3.5 With Your Consent

We may share your information with third parties when you explicitly consent to such sharing.

4. Data Security

We implement robust security measures to protect your information:

• Encryption: We use 256-bit SSL encryption to protect data transmitted over the internet
• Secure Servers: Your information is stored on secure servers with restricted access
• Access Controls: Only authorized personnel have access to personal information
• Regular Audits: We conduct regular security assessments and vulnerability testing
• Employee Training: Our staff receives regular training on data protection and security
• Monitoring: We monitor our systems for suspicious activity and unauthorized access

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Your Rights and Choices

5.1 Access and Correction

You have the right to:

• Access the personal information we hold about you
• Request corrections to inaccurate or incomplete information
• Request a copy of your data in a portable format

5.2 Marketing Communications

You can opt out of marketing communications by:

• Clicking the "unsubscribe" link in our emails
• Texting "STOP" to opt out of SMS messages
• Contacting us directly at funding@quickbizcapital.com

Note: You will continue to receive transactional and account-related communications even if you opt out of marketing.

5.3 Cookies and Tracking

You can control cookies through your browser settings:

• Block all cookies
• Accept cookies from specific websites
• Delete existing cookies

Please note that disabling cookies may affect website functionality.

5.4 Do Not Track

Some browsers have "Do Not Track" features. Currently, we do not respond to Do Not Track signals, as there is no industry standard for how to handle such signals.

5.5 California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt out of the sale of personal information
• Right to request deletion of personal information
• Right to non-discrimination for exercising your privacy rights

To exercise these rights, contact us at funding@quickbizcapital.com with "California Privacy Rights" in the subject line.

6. Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes outlined in this Privacy Policy
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain business records

For funded accounts, we typically retain information for at least 7 years after account closure. For declined applications, we retain information for 3-5 years for regulatory compliance.

7. Children's Privacy

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

8. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review the privacy policies of any third-party sites you visit.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. By using our services, you consent to the transfer of your information to the United States and other countries where we operate.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending an email notification to your registered email address
• Displaying a prominent notice on our website

Your continued use of our services after changes are posted constitutes acceptance of the updated Privacy Policy.

11. Contact Us

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

12. Your Consent

By using our website and services, you consent to the collection, use, and sharing of your information as described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our services.

13. Additional State-Specific Rights

Nevada Residents

Nevada residents have the right to opt out of the sale of certain covered information. We do not currently sell covered information as defined by Nevada law. If our practices change, we will update this Privacy Policy and provide Nevada residents with opt-out instructions.

European Economic Area (EEA) Residents

If you are located in the EEA, you have additional rights under the General Data Protection Regulation (GDPR), including:

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent
• Right to lodge a complaint with a supervisory authority

Questions? We're committed to transparency about how we handle your information. If you have any questions or concerns about our privacy practices, please don't hesitate to contact us.