Privacy Policy

Last Updated: January 1, 2025

Unity Capital Co. ("we," "us," or "our") is committed to protecting the privacy and security of your personal and business information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website at unitycapitalco.com (the "Site"), submit an application, or otherwise interact with our services.

By using our Site or submitting information to us, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue use of our Site and services.

Information We Collect

Information You Provide Directly

When you apply for financing, contact us, or interact with our services, we may collect the following types of information:

• Personal Information: Full name, date of birth, Social Security number (or last four digits), government-issued identification details, home address, phone number, and email address.
• Business Information: Business name, business address, Employer Identification Number (EIN), industry type, years in operation, ownership structure, and number of employees.
• Financial Information: Annual revenue, monthly revenue, bank account details, bank statements, tax returns, existing debts or obligations, and credit-related information.
• Application Information: Requested loan amount, intended use of funds, preferred financing terms, and any supporting documentation you provide.
• Communication Records: Information you share when contacting us by phone, email, or through online forms, including the content of those communications.

Information Collected Automatically

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

• IP address and approximate geographic location
• Browser type and version, operating system, and device type
• Pages visited, time spent on pages, and navigation paths
• Referring website or source that directed you to our Site
• Date and time of your visit

Information from Third Parties

We may receive information about you from third-party sources, including:

• Credit reporting agencies (credit reports and scores)
• Banking and financial data providers (account verification and transaction history)
• Business data services (business credit and verification data)
• Our lending and funding partners

How We Use Your Information

We use the information we collect for the following purposes:

• Processing Applications: To evaluate your financing application, verify your identity and business information, assess creditworthiness, and determine eligibility for our products.
• Providing Services: To fund approved applications, manage your account, process payments, and deliver ongoing customer support.
• Communication: To contact you about your application status, respond to inquiries, provide product information, and send service-related notices.
• Improving Our Services: To analyze usage patterns, improve website functionality, develop new products, and enhance the overall customer experience.
• Compliance and Legal: To comply with applicable laws, regulations, and legal processes; to enforce our terms; and to protect the rights, safety, and property of Unity Capital Co. and others.
• Fraud Prevention: To detect, prevent, and respond to fraud, unauthorized transactions, and other illegal activities.
• Marketing: To send promotional communications about our products and services, where permitted by law. You may opt out of marketing communications at any time.

How We Share Your Information

We do not sell your personal information. We may share your information with the following parties and for the following purposes:

• Lending and Funding Partners: We work with a network of lending institutions and funding partners to provide financing. Your application information may be shared with these partners to evaluate and fulfill funding requests.
• Service Providers: We engage trusted third-party companies to perform functions on our behalf, such as credit reporting, identity verification, payment processing, data analytics, email delivery, and customer support. These providers are contractually obligated to protect your information.
• Credit Bureaus: We may report account activity and payment history to credit reporting agencies as permitted or required by law.
• Legal and Regulatory: We may disclose information when required by law, regulation, subpoena, court order, or other legal process, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business Transfers: In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control.

Data Security

We implement industry-standard security measures to protect your personal and business information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• 256-bit SSL/TLS encryption for all data transmitted through our Site
• Encrypted storage of sensitive personal and financial data
• Access controls limiting employee access to information on a need-to-know basis
• Regular security assessments and monitoring of our systems
• Employee training on data privacy and security best practices

While we take reasonable measures to protect your information, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security of your data.

Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal information:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate or incomplete personal information.
• Deletion: You may request that we delete your personal information, subject to certain legal exceptions and retention requirements.
• Opt-Out of Marketing: You may opt out of receiving promotional emails by following the unsubscribe instructions in those communications or by contacting us directly.
• Do Not Sell: We do not sell personal information. If applicable laws grant you the right to opt out of the sale of personal information, please be aware that we do not engage in such sales.

To exercise any of these rights, please contact us using the information provided at the bottom of this policy. We will respond to your request within the timeframe required by applicable law.

California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information we collect and how it is used, the right to request deletion, and the right to non-discrimination for exercising your privacy rights.

Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your experience and collect analytical data. Types of cookies we use include:

• Essential Cookies: Required for the Site to function properly, including security features and form submissions. These cannot be disabled.
• Analytics Cookies: Help us understand how visitors interact with our Site by collecting usage data in aggregate form. This information helps us improve our Site and services.
• Functional Cookies: Remember your preferences and settings to provide a personalized experience on return visits.
• Marketing Cookies: Used to track visitors across websites and display relevant advertisements. These are only placed with your consent where required by law.

You can manage your cookie preferences through your browser settings. Most browsers allow you to block or delete cookies. Please note that disabling certain cookies may affect the functionality of our Site.

Data Retention

We retain your personal and business information for as long as necessary to fulfill the purposes described in this policy, including to comply with legal obligations, resolve disputes, and enforce agreements. Specific retention periods depend on the type of information and applicable legal requirements. When information is no longer needed, we securely delete or anonymize it.

Third-Party Links

Our Site may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected information from a person under 18, we will take steps to delete that information promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Last Updated" date at the top of this page. Material changes will be communicated through a notice on our Site. We encourage you to review this policy periodically.

Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how your information is handled, please contact us:

Unity Capital Co.
1870 Market Street, Suite 420
San Francisco, CA 94102
Phone: (415) 583-0194
Email: [email protected]