Privacy Policy

Effective Date: May 23, 2026  ·  Last Updated: May 23, 2026

CapTap LLC ("CapTap," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at captap.co or apply for funding through our platform (collectively, the "Services"). Please read this policy carefully. By using our Services, you agree to the terms of this Privacy Policy.

1. Information We Collect

Information You Provide Directly

When you apply for funding, create an account, or contact us, we may collect:

• Personal identifiers: name, date of birth, Social Security Number (SSN) or EIN
• Contact information: email address, phone number, mailing address
• Business information: business name, industry, time in business, monthly revenue
• Financial information: bank statements, bank account and routing numbers, credit history
• Identity verification documents: government-issued ID, voided check
• Communications: messages, emails, or other correspondence with our team

Information We Collect Automatically

When you visit our website, we may automatically collect:

• Device and browser information (IP address, browser type, operating system)
• Usage data (pages visited, time on site, referring URLs, click activity)
• Cookies and similar tracking technologies (see Section 7)

Information from Third Parties

We may receive information about you from:

• Credit bureaus and consumer reporting agencies
• Business data providers and banking data aggregators (e.g., Plaid)
• Referral partners and brokers who submit applications on your behalf

2. How We Use Your Information

We use the information we collect to:

• Evaluate and process your funding application
• Verify your identity and prevent fraud
• Communicate with you about your application, account, and offers
• Comply with legal and regulatory obligations
• Improve our products, website, and customer experience
• Send marketing communications (you may opt out at any time)
• Resolve disputes and enforce our agreements

3. How We Share Your Information

We do not sell your personal information. We may share your information with:

Service Providers

Third-party vendors who assist us in operating our business — including banking partners, payment processors, credit bureaus, identity verification providers, and cloud service providers — under confidentiality agreements.

Funding Partners

When processing your application, we may share relevant financial information with our funding partners and underwriters to facilitate approval and funding.

Referral Partners and Brokers

If you were referred to CapTap by a broker or ISO partner, we may share status updates on your application with that partner.

Legal and Regulatory Disclosure

We may disclose your information when required by law, court order, or government authority, or when we believe disclosure is necessary to protect our rights or the safety of others.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

4. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records are typically retained for a minimum of seven (7) years in accordance with applicable regulations.

5. Security

We implement industry-standard administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, alteration, and destruction. These include encryption in transit (TLS), access controls, and regular security assessments.

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

6. Your Privacy Rights

California Residents (CCPA / CPRA)

If you are a California resident, you have the right to:

• Know what personal information we collect, use, disclose, or sell
• Request deletion of your personal information (subject to certain exceptions)
• Opt out of the sale or sharing of your personal information (we do not sell your data)
• Non-discrimination for exercising your rights
• Correct inaccurate personal information we hold about you

To exercise your California privacy rights, contact us at info@captap.co.

All Users

Regardless of location, you may:

• Opt out of marketing emails by clicking "unsubscribe" in any email we send
• Request access to the personal data we hold about you
• Request correction of inaccurate information

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, analyze site traffic, and support marketing efforts. Types of cookies we use include:

• Essential cookies: Required for the site to function properly
• Analytics cookies: Help us understand how visitors interact with our site (e.g., Google Analytics)
• Marketing cookies: Used to deliver relevant advertisements and track campaign performance

You can control cookie preferences through your browser settings. Note that disabling certain cookies may affect site functionality.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites and encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately at info@captap.co.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of our Services after any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

• CapTap LLC
• 535 Fifth Avenue, 4th Floor, Suite 1070
• New York, NY 10017
• Email: info@captap.co
• Phone: (929) 529-7322