Privacy Policy

CapTap Capital LLC ("CapTap," "we," "us," or "our") respects your privacy. This Privacy Policy describes how we collect, use, share, and protect personal information when you visit our website, use our services, or otherwise interact with us. By using our website or submitting an application, you agree to the practices described below.

1. Information We Collect

We may collect the following categories of information:

Information You Provide

• Contact details: name, email address, phone number, mailing address
• Business information: business name, type, ownership structure, industry, years in operation
• Financial records: bank statements, revenue data, credit history, tax identification numbers
• Identity verification: Social Security Number, date of birth, government-issued ID
• Account credentials: username and password if you create an account

Information Collected Automatically

• Device and browser information: IP address, browser type, operating system, device identifiers
• Usage data: pages visited, time spent, referring URLs, click patterns
• Cookies and similar technologies (see Section 5)

Information from Third Parties

• Credit reporting agencies and financial data providers
• Business data services and public records
• Marketing and analytics partners
• Referral partners and brokers

2. How We Use Your Information

We use the information we collect to:

• Evaluate and process merchant cash advance applications
• Verify your identity and conduct due diligence
• Communicate with you regarding your application, account, or our services
• Operate, maintain, and improve our website and services
• Personalize your experience and provide relevant content
• Send marketing communications (with your consent or as permitted by law)
• Detect and prevent fraud, unauthorized activity, and security threats
• Comply with legal obligations and enforce our agreements
• Conduct analytics and generate aggregated, de-identified reports

3. How We Share Your Information

We may share your information with:

• Affiliates and subsidiaries within our corporate family for business operations
• Service providers who assist with hosting, analytics, underwriting, fraud prevention, payment processing, and customer support
• Funding partners and lenders to facilitate your application and funding
• Marketing partners for promotional purposes (with your consent where required)
• Legal and regulatory authorities when required by law, subpoena, or legal process
• Business transfers in connection with a merger, acquisition, or sale of assets

We do not sell your Social Security Number, bank account numbers, or financial statements to unaffiliated third parties for their own marketing.

4. Your Choices and Rights

• Access and correction: You may request access to, or correction of, the personal information we hold about you.
• Marketing opt-out: You may unsubscribe from marketing emails at any time by clicking the "unsubscribe" link or contacting us directly.
• Cookie controls: You can manage cookie preferences through your browser settings. Disabling cookies may affect site functionality.
• Do Not Track: Our site does not currently respond to Do Not Track browser signals.
• Testimonials: If you provided a testimonial and wish to have it removed, contact us at the address below.

5. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to:

• Remember your preferences and settings
• Understand how you interact with our website
• Measure the effectiveness of our marketing
• Deliver relevant advertisements

Third-party analytics and advertising partners may also place cookies on your device. You can opt out of interest-based advertising through the NAI Consumer Opt-Out or DAA Opt-Out pages.

6. Data Retention and Security

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.

We implement industry-standard security measures to protect your data, including TLS encryption for data in transit, secure storage systems, access controls, and regular security assessments. We access bank statement data on a read-only basis and do not store your banking credentials. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. External Websites and Social Media

Our website may contain links to third-party websites or social media platforms. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before providing any personal information. Information you share on public forums, comment sections, or social media may be visible to others.

8. Children's Privacy

Our services are intended for business owners who are at least 18 years of age. We do not knowingly collect personal information from anyone under 18. If we become aware that we have collected information from a minor, we will take steps to delete it promptly.

9. California Residents — Your CCPA Rights

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights regarding your personal information:

Categories of Information Collected

• Identifiers (name, email, SSN, Tax ID, IP address)
• Personal information under Cal. Civ. Code 1798.80 (address, telephone, financial data)
• Protected class characteristics (age, date of birth)
• Commercial information (transaction history, loan details)
• Internet or network activity (browsing history, device data, ad interactions)
• Geolocation data
• Audio recordings (if calls are recorded with notice)
• Professional or employment-related information

Your Rights

• Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you.
• Right to Delete: Request deletion of personal information we have collected, subject to certain legal exceptions.
• Right to Opt-Out: Direct us not to sell your personal information to third parties.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To exercise your rights, contact us using the information in Section 11 below. We will verify your identity before fulfilling any request.

10. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by posting the updated policy on our website with a revised "Last Updated" date. We encourage you to review this page periodically.

11. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or want to opt out of marketing communications, please contact us: