Privacy Policy

By using our website or submitting information to Contractor Capital, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect information that you provide directly to us, including:

• Name
• Business name
• Email address
• Phone number
• Business location
• Industry
• Monthly revenue
• Time in business
• Funding amount requested
• Intended use of funds
• Financing preferences
• Credit score range or estimated credit profile
• Ownership information
• Business documentation provided after initial contact
• Financial documents provided after initial contact, such as bank statements or lender application materials
• EIN or tax identification information, if provided after initial contact
• Any other information submitted through our forms, emails, calls, text messages, document requests, or communications

Contractor Capital does not run credit and does not require Social Security numbers through the website's initial inquiry form. If a funding partner requires additional sensitive information as part of its application or underwriting process, that information may be requested directly by the funding partner or through a secure process.

We may also collect technical and usage information, including:

• IP address
• Browser type
• Device information
• Pages visited
• Referring website
• Date and time of visit
• Website interaction data
• Cookies and similar tracking technologies

2. How We Use Information

We may use the information we collect to:

• Review and respond to financing inquiries
• Contact you about your inquiry
• Match your business with potential lenders, funders, brokers, financing providers, and service partners
• Share your information with funding partners who may review your business for financing options
• Request additional information or documentation
• Send relevant service updates or marketing communications
• Improve our website, forms, and services
• Maintain business records
• Prevent fraud, misuse, or unauthorized activity
• Comply with legal, regulatory, contractual, and business obligations

3. How We Share Information

We may share your information with:

• Third-party lenders, funders, brokers, financing providers, and service partners
• CRM, form, website, email, analytics, communication, document storage, and business technology providers
• Legal, compliance, accounting, insurance, or professional advisors
• Government authorities, regulators, or law enforcement if required by law
• Successors or buyers in connection with a merger, acquisition, sale, financing, or business transfer

When you submit a financing inquiry, you authorize Contractor Capital to share your information with funding partners who may evaluate your business for financing options and may contact you directly.

4. Contractor Capital Is Not a Lender

Contractor Capital is not a bank, direct lender, or funding provider. Contractor Capital does not make credit decisions, run credit, issue approvals, fund transactions, or determine final rates, terms, fees, funding amounts, repayment amounts, or repayment schedules.

Third-party providers may contact you directly and may collect additional information from you. Their use of your information may be governed by their own privacy policies and terms.

5. Cookies and Tracking Technologies

We may use cookies, pixels, analytics tools, and similar technologies to understand website activity, improve performance, measure marketing effectiveness, and enhance user experience.

You may be able to disable cookies through your browser settings, but some website features may not function properly if cookies are disabled.

6. Communications and Marketing

If you provide your contact information, Contractor Capital may contact you by phone, email, text message, or other electronic communications about your business financing inquiry.

Communications may be sent manually or through automated methods where permitted by law. Message and data rates may apply.

You may opt out of marketing emails by using the unsubscribe link in an email. You may opt out of text messages by replying STOP, where available, or by contacting us at info@contractorcapital.com.

Even if you opt out of marketing communications, we may still send transactional or service-related messages about an active inquiry, application, document request, or funding process.

7. Service Providers and Technology Partners

We may use third-party service providers and technology partners to help operate our business, including CRM, form, website, email, analytics, communication, document storage, security, and business operations providers.

These providers may process information on our behalf for business purposes such as managing inquiries, operating the website, sending communications, storing records, supporting document collection, improving services, monitoring performance, and maintaining security.

We do not publicly list specific service providers in this Privacy Policy because our providers may change over time.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect the information we collect.

However, no website, transmission method, email system, CRM, or storage system is completely secure. We cannot guarantee absolute security of your information.

You should avoid sending highly sensitive information, such as Social Security numbers, through unsecured email or unsecured website forms.

9. Data Retention

We retain information for as long as reasonably necessary to provide services, operate our business, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud, and maintain business records.

10. Your Privacy Choices

Depending on where you live, you may have rights regarding your personal information, such as the right to request access, correction, deletion, or information about how your data is shared.

To make a privacy request, contact us at:

info@contractorcapital.com

We may need to verify your identity before processing certain requests.

11. California Privacy Notice

If applicable, California residents may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, including the right to know, access, correct, delete, and opt out of certain uses or sharing of personal information.

Contractor Capital does not knowingly sell personal information in the traditional sense. However, sharing information with funding partners in connection with your inquiry may be considered "sharing" or "selling" under certain privacy laws depending on interpretation and circumstances.

To submit a California privacy request, contact us at:

info@contractorcapital.com

12. Children's Privacy

Contractor Capital is intended for business users and is not directed to children under 13. We do not knowingly collect personal information from children.

13. Links to Third-Party Websites

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices, content, or policies of third-party websites.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised "Last updated" date.

15. Contact Us

If you have questions about this Privacy Policy or how your information is handled, contact us at:

Contractor Capital

Email: info@contractorcapital.com