Privacy Policy

1.Information we collect

We collect information in three ways: what you give us, what we receive from connected sources with your permission, and what is collected automatically.

• You provide: business and owner names, contact details, revenue, time in business, funding needs, documents such as bank statements and tax returns, and the answers you give in an application.
• Connected sources: bank account transactions through a data aggregator you authorize, business registration records and, only after you accept an offer, credit reports obtained by the lender.
• Automatically: device and browser information, IP address, pages viewed, referring URLs and interaction data collected through cookies and similar technologies.

2.How we use information

We use information to:

• Match your application to lenders whose criteria it meets and deliver offers to you.
• Verify identity and business ownership and prevent fraud.
• Operate, improve and secure the services, including training the matching model on outcomes.
• Communicate with you about your application, offers and account, and, with your consent, about products we think may interest you.
• Comply with legal obligations and enforce our terms.

3.How we share information

We share your application and supporting data with lenders you are matched with, and with the funding specialist assigned to you. We share information with service providers that help us run the services (hosting, data aggregation, identity verification, analytics, email) under contracts that restrict their use of it.

We may disclose information when required by law, to protect the rights and safety of FundLine, our users or others, or in connection with a merger, acquisition or sale of assets. We do not sell personal information for money.

4.Cookies and analytics

We use essential cookies to operate the site and optional cookies for analytics and advertising measurement. You can manage optional cookies on the Your Privacy Choices page or through your browser settings. Some browsers send a Global Privacy Control signal, which we honor as an opt-out of targeted advertising.

5.Data retention

We keep application data for as long as needed to provide the services and for the period required by law, generally up to seven years after your last activity to satisfy lending and tax record-keeping rules. Connected bank data is refreshed only while an application is active and deleted within 90 days after it closes unless you fund a loan and the lender requires ongoing access.

6.Security

Data is encrypted in transit and at rest. Access is limited to staff and systems that need it, and we run an annual independent security assessment. No system is perfectly secure; if we become aware of a breach affecting your information we will notify you as required by law.

7.Your rights and choices

Depending on where you live you may have the right to access, correct, delete or port your information, to opt out of targeted advertising and to limit the use of sensitive information. You can exercise these rights on the Your Privacy Choices page or by emailing privacy@fundlinecapital.com. We will not discriminate against you for exercising them.

8.Children

The services are for businesses and are not directed to anyone under 18. We do not knowingly collect information from children.

9.Changes to this policy

We will post any changes here and update the date at the top. Material changes will also be announced by email or a notice on the site.

10.Contact

Privacy questions or requests: privacy@fundlinecapital.com, or by mail to FundLine Capital, Inc., 400 Market Street, Suite 1200, Salt Lake City, UT 84101.