Privacy Policy
Privacy Policy & SMS Terms of Service
Effective Date: November 15, 2024
Last Updated: February 27, 2024
Version: 3.1
Introduction
Capital Collaboration LLC (“Capital Collab,” “we,” “our,” or “us”) is committed to safeguarding the privacy, security, and confidentiality of personal and business information collected in connection with our financial services, digital applications, and communication platforms, including SMS and email notifications. This Privacy Policy outlines how we collect, use, share, and protect data in compliance with all applicable federal and state regulations, including but not limited to the California Consumer Privacy Act (CCPA), Gramm-Leach-Bliley Act (GLBA), Telephone Consumer Protection Act (TCPA), and General Data Protection Regulation (GDPR) where applicable. By accessing our website, submitting an application, or opting into SMS communications, you acknowledge and consent to the practices outlined in this policy.
Table of Contents
1. Information We Collect
2. How We Use Your Information
3. Information Sharing & Disclosure
4. SMS Terms of Service
5. Opt-Out & Communication Preferences
6. Data Retention Policy
7. Security Measures
8. Your Rights & Data Control
9. Cookie Policy & Tracking Technologies
10. Third-Party Service Providers
11. Governing Law & Dispute Resolution
12. Policy Updates & Modifications
13. Contact Information
Information We Collect
Capital Collab collects and processes information necessary for evaluating financing applications, structuring funding solutions, and providing customer support. This includes business and personal identifying details such as business name, owner’s name, contact details, tax identification numbers, business entity type, financial and credit information including bank statements, revenue details, credit history, financial reports, and outstanding liabilities. Digital and behavioral data such as IP addresses, browsing behavior, session activity, and device metadata for security monitoring and fraud prevention is collected. Communication and consent data including SMS and email preferences, consent records, and customer support interactions are maintained. Third-party data sources such as credit bureaus, financial institutions, and public databases are used for verification purposes.
How We Use Your Information
Collected information is used for financing and underwriting, including assessing eligibility for funding, processing loan applications, and structuring funding solutions. It is used for regulatory compliance to ensure adherence to financial and legal regulations. Fraud prevention and security monitoring efforts are conducted to detect and prevent unauthorized activity. Marketing and customer engagement communications are sent based on user consent preferences, and these can be adjusted at any time.
Information Sharing & Disclosure
Capital Collab does not sell, rent, or disclose personal or financial information for marketing purposes. Information may be shared with lending partners to facilitate funding transactions, service providers for identity verification, compliance audits, and fraud detection, regulatory authorities if required by law or to prevent fraudulent activity, and in corporate transactions such as mergers, acquisitions, or restructuring.
SMS Terms of Service
By opting into SMS communications, users authorize Capital Collab to send transactional, security, and promotional messages. SMS notifications may include loan application updates, account notifications, fraud alerts, and customer support interactions. Message frequency may vary, and standard message and data rates may apply. Users may opt out by replying “STOP” or request assistance by texting “HELP” or visiting www.capitalcollab.com. Full SMS terms are available in our Terms of Service.
Opt-Out & Communication Preferences
Users can manage communication preferences by emailing “Opt-Out” to info@capitalcollab.com, replying “STOP” to SMS messages, calling 913-344-5775, or submitting a written request to Capital Collaboration LLC, 8301 State Line Rd, Suite GB, Kansas City, Missouri 64114. Opt-out requests will be processed in accordance with applicable regulations, and while marketing communications will cease, legally required notifications may continue.
Data Retention Policy
Personal data is retained only for as long as necessary for financing activities, legal compliance, and fraud prevention. Once no longer required, data is securely deleted or anonymized.
Security Measures
Capital Collab implements encryption and data protection, including Secure Sockets Layer (SSL) encryption for data transmission. Fraud monitoring is conducted with real-time tracking for unauthorized activities. Access control measures restrict employee access to sensitive data. Despite these security measures, no system is immune from cyber risks. Users should report any suspected breaches to support@capitalcollab.com.
Your Rights & Data Control
Users have the right to access, update, or delete data by submitting a request to privacy@capitalcollab.com. Users can also limit data sharing by adjusting settings via our privacy portal or request data portability to obtain a copy of their personal data in a structured format.
Cookie Policy & Tracking Technologies
Capital Collab uses cookies and tracking technologies for site functionality, security, and marketing. Users may adjust cookie settings in their browser.
Third-Party Service Providers
Capital Collab partners with service providers such as Salesforce, AWS, and Google Cloud for data processing and security. Information is handled under strict confidentiality agreements.
Governing Law & Dispute Resolution
This policy is governed by the laws of the State of Missouri. Any disputes shall be resolved through arbitration in Kansas City, MO, in accordance with the American Arbitration Association (AAA) rules.
Policy Updates & Modifications
Capital Collab reserves the right to modify this policy as business needs, legal requirements, and technology evolve. Changes will be published at https://capitalcollab.com/privacy-policy/. Continued use after updates constitutes acceptance of the revised policy.
Contact Information
For inquiries, data access requests, or privacy concerns, contact privacy@capitalcollab.com, call 913-344-5775, or send mail to Capital Collaboration LLC, 8301 State Line Rd, Suite GB, Kansas City, Missouri 64114.
This Privacy Policy ensures compliance with all applicable laws, outlines user rights, and upholds the highest standards of security and transparency for Capital Collab’s financial services.