1. Introduction
This Privacy Policy explains how Clear Choice Cap (“Clear Choice Cap,” “we,” “us,” or “our”) collects, uses, shares, and protects information when you visit clearchoicecap.org (the “Site”), submit an application or inquiry, or otherwise communicate with us about commercial funding.
Our services are intended for businesses seeking financing for commercial purposes, and for the owners, officers, and authorized representatives who apply on a business’s behalf. They are not offered for personal, family, or household purposes. By using the Site or submitting information to us, you acknowledge the practices described in this policy.
2. Information We Collect
Information you provide
- Business details such as legal and trade names, industry, state, time in business, revenue, requested amount, use of funds, and existing advances or loans.
- Owner and contact details such as name, email address, phone number, and mailing address.
- Underwriting information you or your business provide during review, which may include bank statements, tax identification numbers, government-issued identification, voided checks, processing statements, tax returns, and ownership information.
- Communications you send us, including emails, call notes, texts, and form messages.
Information collected automatically
When you visit the Site, we and our service providers may automatically collect technical information such as IP address, browser and device type, pages viewed, referring URLs, and the date and time of your visit, using cookies, server logs, and similar technologies.
Information from third parties
With your authorization, or as otherwise permitted by law, we and our funding partners may obtain information from consumer and business credit reporting agencies, identity and fraud-prevention services, bank-verification providers, public records, and other data sources used to evaluate funding requests.
3. How We Use Information
We use the information we collect to:
- review your request, match it with suitable funding programs, and present any available options;
- verify identity and business information, evaluate creditworthiness and risk, and help prevent fraud;
- prepare, deliver, and service funding agreements and required disclosures;
- contact you about your application, account, and related products or services you may be interested in;
- operate, secure, and improve the Site and our services; and
- comply with legal, regulatory, and contractual obligations and enforce our agreements.
4. Credit Inquiries
By submitting an application, you authorize Clear Choice Cap and its funding partners to obtain business and personal credit reports and related information on the business and on each owner or guarantor, now and periodically during the life of any funding, for the purposes of evaluating, approving, servicing, and collecting on the request. Initial review generally relies on a soft inquiry that does not affect your credit score. A hard inquiry may occur later in underwriting depending on the product and funding partner.
6. Calls, Texts, and Emails
If you provide a phone number or email address, you agree that Clear Choice Cap and its funding partners may contact you about your request and related services by phone, text message, and email, including through automated dialing systems and prerecorded or artificial voice messages where permitted by law. Consent is not a condition of receiving funding. Message and data rates may apply, and message frequency varies.
You can opt out of text messages at any time by replying STOP. To opt out of calls or marketing emails, use the unsubscribe link in an email or contact us at info@clearchoicecap.org. We may still send messages related to an active application or agreement.
8. Data Security and Retention
We use reasonable administrative, technical, and physical safeguards designed to protect the information we collect, including encrypted (HTTPS) connections for forms on this Site. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. Please do not send account numbers, Social Security numbers, or full bank statements through unsecured channels or the free-text field on our application; your specialist will provide a secure way to share documents.
We keep information for as long as needed to fulfill the purposes described in this policy, including to meet legal, accounting, regulatory, and record-keeping requirements, and then delete or de-identify it.
9. Your Choices and State Privacy Rights
Depending on where you live, you may have rights under state privacy laws to request access to, correction of, or deletion of certain personal information, and to opt out of certain uses. Some of these laws do not apply to information collected in a business-to-business context or to information covered by federal financial privacy laws.
To make a request, email info@clearchoicecap.org or call (732) 939-8799. We will verify your request before responding and will not discriminate against you for exercising your rights. You may use an authorized agent where the law allows.
10. Children’s Privacy
The Site is intended for business owners and representatives who are at least 18 years old. We do not knowingly collect personal information from children under 13. If you believe a child has provided us information, contact us and we will delete it.
11. Third-Party Sites and Services
The Site may link to or embed third-party websites, forms, and services. Their privacy practices are governed by their own policies, and we are not responsible for their content or practices.
12. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the effective date above. Material changes will be posted on this page, and your continued use of the Site after an update means you accept the revised policy.
13. Contact Us
If you have questions about this Privacy Policy or our privacy practices, contact us:
Clear Choice Cap
Email: info@clearchoicecap.org
Phone: (732) 939-8799
Website: clearchoicecap.org