Privacy Policy

Effective Date: January 1, 2024
Last Updated: January 1, 2024

Construction Capital Advance ("Company," "we," "us," or "our") operates the website located at constructioncapitaladvance.com (the "Site"). This Privacy Policy describes how we collect, use, disclose, and protect information about you when you visit our Site or submit an application for business financing.

By using our Site, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use the Site.

1. Information We Collect

Information You Provide Directly

When you submit a funding application or inquiry through our Site, we collect the following categories of information:

• Business information: legal business name, DBA name, business address, EIN/Tax ID, business type, time in business, and monthly revenue
• Owner information: full name, date of birth, Social Security Number, home address, ownership percentage, and personal credit score range
• Contact information: business phone number, business email address, and personal email address
• Financial information: business bank statements, revenue figures, requested funding amount, and intended use of funds
• Supporting documents: copies of government-issued ID, voided checks, signed contracts, or other documents you choose to upload

Information Collected Automatically

When you visit our Site, we automatically collect certain technical information, including:

• IP address, browser type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Device identifiers and general geographic location (city/state level)
• Cookies and similar tracking technologies (see Section 5 below)

2. How We Use Your Information

We use the information we collect for the following purposes:

• Processing your application: To evaluate your eligibility for business financing and present your file to our network of licensed funding partners and lenders
• Communication: To contact you about your application status, funding offers, and related matters
• Improving our services: To analyze usage patterns, improve Site functionality, and enhance user experience
• Compliance: To comply with applicable laws, regulations, and legal processes
• Marketing: To send you relevant information about our products and services (you may opt out at any time)

3. Sharing Your Information

We may share your information with the following categories of third parties:

• Funding partners and lenders: We share your application information with our network of commercial lenders, merchant cash advance providers, and equipment financing companies who may be able to provide you with funding
• Service providers: We use third-party vendors to assist with technology, data processing, email delivery, and document management. These vendors are contractually prohibited from using your data for their own purposes
• Legal and regulatory authorities: We may disclose information when required by law, court order, or governmental authority
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction

We do not sell your personal information to third-party marketers.

4. Data Retention

We retain application information for a period of seven (7) years following your last interaction with us, or as otherwise required by applicable law. You may request deletion of your information by contacting us at the address listed in Section 9, subject to our legal retention obligations.

5. Cookies and Tracking

Our Site uses cookies and similar tracking technologies to improve functionality and analyze usage. You can control cookie settings through your browser settings. Note that disabling certain cookies may affect Site functionality.

We may use analytics services (such as Google Analytics) to understand how users interact with our Site. These services have their own privacy policies governing data use.

6. Security

We implement industry-standard administrative, technical, and physical safeguards to protect your information, including SSL/TLS encryption for data in transit and secure storage for sensitive financial information. However, no transmission over the internet is completely secure, and we cannot guarantee the absolute security of your information.

7. Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt out of marketing communications

California residents may have additional rights under the California Consumer Privacy Act (CCPA). To exercise your rights, contact us using the information in Section 9.

8. Children's Privacy

Our Site is intended for use by business owners and is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

9. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, you may contact us:

Construction Capital Advance
Website: constructioncapitaladvance.com
Mailing address available upon request.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by the "Last Updated" date at the top of this page. Your continued use of the Site following any changes constitutes acceptance of the updated policy.