Privacy Policy

The Site is intended only for legal residents of the United States who are 18 years of age or older. Our products are available to eligible US-based businesses only. By visiting, submitting information, or otherwise engaging with the Site, you confirm that you have read, understand, and agree to this Privacy Policy and our Terms of Service. If you do not agree, are not a legal resident of the United States, or are under the age of 18, please discontinue use of the Site.

We collect business and personal information from various sources in order to deliver our services. The examples below are illustrative, not comprehensive:

• Contact and personal information, including your name, email address, mailing address, and phone number.
• Business and financial information, including your business name, business address, industry type, tax ID, time in business, revenue, ownership verification, bank account information, payment behavior, and transaction details. We may use secure third-party services to access financial data directly from your financial institution, with your authorization, for the purpose of fulfilling your funding needs.
• Unique identifiers and behavioral data, including your IP address, location data, logs, the devices you use to access the Site, search queries, and your activity as you navigate the Site.

FundBetter collects your information:

• Directly from you when you submit it through the Site or provide it through any other written or verbal communication, including phone conversations, emails, text and SMS messages, and signed documents.
• From third parties, including our affiliates and funding partners, service providers or vendors, credit reporting agencies, and public records.
• Automatically through tracking technologies used to collect and analyze non-personal information as you use the Site, including cookies, web beacons, embedded scripts, and IP capture technologies.

We collect your information in response to your request for business funding. By using the Site and submitting your business, personal, and financial information, you consent to our use of that information to evaluate your eligibility for funding products and services offered by FundBetter, our affiliates, and our funding partners. We may also use, store, and analyze your information to:

• Communicate with you and manage our relationship, including responding to requests, understanding your business needs, sending marketing communications, offering additional products or services, providing status updates, and requesting feedback through surveys or reviews.
• Generate reports, analyze data, and conduct research to improve the Site and our services and to better understand our customers, so we can provide a faster, safer, more efficient funding experience.
• Fulfill our legal obligations, including verifying your identity to guard against fraud, enforcing our contractual rights, and complying with applicable state and federal laws.

FundBetter may operate as a marketplace that connects US business owners with third-party lenders and funding partners. To evaluate and fulfill your funding request, we may share your application information with those partners so they can present offers. When you submit your application and acknowledge that you have read and accepted our Terms of Service, you provide written consent for us and our partners to obtain and review your consumer and business credit reports.

We may also share information with service providers who support our operations, such as hosting, analytics, and communications vendors, with professional advisors, and where required by law or to protect our rights. We do not sell your personal information, and we do not distribute your contact or personal information to third parties for their own marketing purposes.

The Site may contain links to other websites, including funding partners, whose privacy practices differ from ours. We are not responsible for the privacy practices of those sites, and we encourage you to review their policies before submitting information. Social media features and third-party analytics tools, such as Google Analytics, may also collect non-personal information about your visit, including your IP address and the pages you view. Information collected through these analytics tools is anonymized and does not contain personally identifiable information.

Like most websites, we use cookies and similar technologies to operate the Site, remember your preferences, measure performance, and understand how visitors use our pages. We do not respond to "Do Not Track" browser signals. You can set your browser or device to refuse cookies or to alert you when cookies are being sent, though disabling them may affect your ability to use certain features of the Site.

Submitting your personal, business, and financial information is voluntary. Once submitted, your information is subject to this Privacy Policy and our Terms of Service, and in certain circumstances we may be unable to process a request to delete or modify it. You have the following choices:

• Email communications: promotional emails include an "Unsubscribe" link that stops similar messages going forward. You may also reply to any direct email asking to be removed from future communications, and we will make every effort to honor your request promptly.
• Phone, text, and email contact: choosing not to receive these communications may disrupt or prevent our ability to provide our products and services. Where you have already received a product or service, we will make reasonable efforts to respect your privacy while fulfilling our contractual and legal obligations under any signed funding agreement.
• Updating your information: if your personal, business, or financial information changes, you may update it at any time by contacting us using the details below. We will not accommodate requests we have reasonable cause to believe are incorrect, unverifiable, or that would violate a legal requirement. If you believe information was submitted fraudulently or by an unauthorized user, contact us and we will respond appropriately.

We respect your privacy and are committed to protecting your personal information. By opting in to receive SMS communications, you agree to receive text messages regarding your application status, document requests, account notifications, and other transactional updates related to our services. Standard message and data rates may apply as determined by your carrier. You can opt out at any time by replying STOP, and you can reply HELP or contact us for assistance. We do not sell, share, or transfer your SMS opt-in information to third parties, and your SMS consent is used solely for transactional communications related to FundBetter services.

Residents of California have specific rights regarding privacy under California law. If you are a permanent resident of California and wish to request this information in writing, as permitted once per year, you may submit your request along with your current California address by email using the contact details below. We do not respond to or honor "Do Not Track" signals, and we do not collect personally identifiable information about your online activities across third-party websites when you visit our Site. Depending on your state of residence, you may have additional rights under applicable privacy laws.

We use a combination of technologies and operational procedures to keep your information safe from unauthorized use or access, including firewall protections and data encryption in transit using Transport Layer Security (TLS). Our procedural protections include storing information in controlled facilities and limiting access to employees who need it to perform their responsibilities. No method of transmission or storage is completely secure, so while we take all reasonable measures, we cannot guarantee absolute security. You use the Site and provide your information at your own risk. If we have reason to believe a security breach has occurred, we will investigate and communicate with you when appropriate.

You may request access to, correction of, or deletion of the personal information we hold about you, and you may opt out of marketing communications. Checking your funding options uses a soft inquiry that does not affect your credit score. A hard credit inquiry only occurs later, with your consent, if you move forward with certain offers. To exercise any of these rights, contact us using the details below.

This Privacy Policy and any disputes arising from it or from your use of the Site are governed by the laws of the State of Florida, USA, without regard to its conflict-of-law principles. You agree that the state and federal courts located in Miami-Dade County, Florida will have exclusive jurisdiction over any such matters.

We reserve the right to update or edit this Privacy Policy at any time. When we do, we will revise the "Last updated" date above, and we encourage you to review this Policy each time you visit the Site. Material changes will be communicated as required by law.

If you have questions about this Privacy Policy or how we handle your information, email funding@fundbetter.com, call 786-882-2705, or write to us at 3250 Northeast 1st Avenue, Miami, FL 33137.