VIP Capital Funding (“VIP Capital Funding,” “Company,” “we,” “us,” or “our”) respects the privacy of applicants, customers, business principals, guarantors, website visitors, and other individuals who interact with us. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information in connection with our website, client portal, funding application process, communications, services, and third-party technology providers.

By using our website, portal, or services, or by submitting information to us, you acknowledge the practices described in this Privacy Policy. Where consent is required by law, we will request it at or before the point of collection.

1. Scope of This Policy

This Policy applies to personal information collected through vipcapitalfunding.com, our client portal and application flows, forms, email, SMS/text messaging, telephone communications, document uploads, bank-account connection tools, customer service interactions, and other online or offline interactions related to our business funding services.

This Policy does not govern the independent privacy practices of third-party websites or services that we do not control. Third-party providers may maintain their own privacy policies and terms.

2. Information We Collect

We may collect information that you provide directly, information collected automatically when you use our digital services, information received from service providers, and information received from financial institutions or other sources with your authorization.

Information you provide may include your name, business name, email address, telephone number, mailing or business address, requested funding amount, time in business, ownership information, gross sales or revenue information, credit-card processing volume, funding purpose, uploaded documents, bank statements, identification information, and other information relevant to evaluating or servicing a business funding request.

If you begin an application or form but do not complete it, we may retain information already entered so we can support the application process, prevent fraud, improve the experience, or contact you as permitted by law and your communication preferences.

We may also collect device and usage information such as IP address, browser type, operating system, device identifiers, referring pages, pages viewed, clicks, session activity, approximate location derived from IP address, and cookie or similar technology data.

3. Financial Account Information and Plaid

When available, we may offer Plaid Link as an optional or recommended way to connect a business bank account or provide financial information in connection with a funding application, verification process, underwriting review, or servicing activity.

If you choose to connect a financial account through Plaid, you will interact with Plaid and/or your financial institution to authorize the connection and select the information or accounts you wish to share. VIP Capital Funding does not receive your financial-institution username or password from Plaid.

Depending on the Plaid products used, the financial institution, and your authorization, information made available to VIP Capital Funding may include account-holder information, institution and account metadata, account type, balances, transactions and transaction history, account and routing information when relevant to an enabled feature, and documents or financial information you authorize to be shared.

We may use information obtained through Plaid to verify business information, evaluate cash flow and revenue, review funding eligibility, support underwriting, reduce fraud, validate account ownership, process or service a requested financial product, and satisfy legal, compliance, audit, or security requirements.

Plaid’s collection and handling of information is governed by Plaid’s own End User Privacy Policy. You can learn more at https://plaid.com/legal/#end-user-privacy-policy and may use Plaid Portal at https://my.plaid.com to review or manage certain Plaid connections and data-sharing preferences.

Connecting an account through Plaid does not authorize VIP Capital Funding to use financial account data for unrelated advertising or to sell financial-account login credentials. We use financial data only for legitimate business, application, underwriting, servicing, security, compliance, and related purposes described in this Policy.

4. How We Use Personal Information

We may use personal information to receive, process, evaluate, underwrite, route, administer, or service business funding requests; verify identity, business ownership, banking or financial information; communicate about applications, documentation, approvals, offers, renewals, additional capital, account activity, or customer service; and connect applicants with funding providers, lenders, investors, financial institutions, or other parties involved in evaluating or fulfilling a requested transaction.

We may also use information to personalize and improve our website and portal, prevent fraud and abuse, maintain security, perform analytics, audit our operations, comply with legal obligations, enforce agreements, resolve disputes, protect our rights, and develop or improve products and services.

Where permitted by law and consistent with your choices, we may use contact information to send marketing or advertising communications about business funding products or services that may be relevant to you. You may opt out of marketing communications as described below.

5. Communications, Email, SMS, and Telephone

If you provide a telephone number or email address and consent to receive communications, we may contact you regarding your application, requested services, account activity, documentation, funding options, customer support, and, where permitted, marketing communications.

You may unsubscribe from marketing emails using the unsubscribe link included in the message. You may opt out of marketing text messages by replying STOP. Message and data rates may apply and message frequency may vary. Opting out of marketing does not prevent us from sending non-marketing communications that are reasonably necessary to provide requested services, respond to inquiries, administer an application, or comply with law.

No mobile information will be shared with third parties or affiliates for their own marketing or promotional purposes. Text-message originator opt-in data and consent will not be shared with third parties for marketing or promotional purposes.

6. Cookies, Analytics, and Advertising Technologies

We and service providers may use cookies, pixels, web beacons, local storage, analytics tools, and similar technologies to operate our website, remember preferences, measure traffic, understand how visitors use our services, improve performance, detect fraud, and support advertising or campaign measurement.

You can manage cookies through browser or device settings and, where available, through website privacy controls. Disabling certain cookies may affect website or portal functionality.

Where applicable law requires recognition of legally valid opt-out preference signals or other privacy controls, we will process such requests as required by applicable law.

7. How We Disclose Personal Information

We may disclose personal information to service providers, contractors, hosting providers, cloud and software vendors, communications providers, analytics providers, fraud-prevention and identity-verification providers, payment or banking technology providers, professional advisers, and other vendors that support our business operations.

We may disclose application, business, financial, and identifying information to lenders, funders, investors, financial institutions, brokers, underwriting partners, or other financing sources when reasonably necessary to evaluate, structure, obtain, administer, or service a funding request or transaction.

We may also disclose information when required by law, subpoena, court order, regulatory request, legal process, or when reasonably necessary to investigate fraud or illegal activity, enforce agreements, protect rights or safety, or complete a merger, financing, acquisition, reorganization, bankruptcy, sale of assets, or similar corporate transaction.

We do not sell financial-institution login credentials. We do not share SMS opt-in data or consent with third parties for their own marketing or promotional purposes.

8. Data Security

We maintain administrative, technical, and organizational safeguards designed to protect personal and financial information against unauthorized access, acquisition, disclosure, alteration, or destruction. These safeguards may include role-based or need-to-know access controls, multi-factor authentication, encryption in transit and where appropriate at rest, secure network and cloud configurations, logging and monitoring, vulnerability and patch management, vendor oversight, incident-response procedures, and periodic access reviews.

Access to sensitive information is limited to authorized personnel and service providers with a legitimate business need. We require personnel and vendors handling sensitive information to maintain appropriate confidentiality and security obligations.

No security program can guarantee absolute security. You are responsible for protecting your own account credentials, devices, and communication channels and for promptly notifying us if you suspect unauthorized activity.

9. Data Retention and Deletion

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Policy, process or service a funding request, maintain business and transaction records, comply with legal or contractual obligations, prevent fraud, resolve disputes, enforce agreements, and maintain security and audit records.

Retention periods vary based on the type of information, the status of an application or customer relationship, legal requirements, lender or funding-partner requirements, and legitimate business needs. When information is no longer reasonably necessary, we may delete, de-identify, or securely dispose of it, subject to applicable law and record-retention obligations.

You may request deletion of eligible personal information as described in the Privacy Rights section. Certain information may be retained when an exception applies, including where retention is required for legal, compliance, fraud-prevention, security, transaction, or recordkeeping purposes.

10. Your Privacy Choices and Rights

Subject to applicable law, you may have the right to request access to personal information we maintain about you, request correction of inaccurate information, request deletion, obtain a portable copy of certain information, or opt out of certain uses or disclosures.

To submit a privacy request, contact us using the information in the Contact Us section. We may need to verify your identity and authority before completing certain requests. Authorized agents may submit requests where permitted by applicable law, subject to verification requirements.

We will respond to verified privacy requests within the time required by applicable law. We will not unlawfully discriminate against you for exercising an applicable privacy right.

11. California Privacy Rights

California residents may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, “CCPA/CPRA”), subject to statutory scope, exemptions, and applicability. These rights may include the right to know/access, correct, delete, obtain information about categories of personal information and disclosures, opt out of sale or sharing when applicable, limit certain uses or disclosures of sensitive personal information when applicable, and receive non-discriminatory treatment for exercising privacy rights.

At the time of this Policy, VIP Capital Funding does not intend to sell personal information in exchange for money. Certain disclosures for advertising, analytics, or business purposes may be treated differently under applicable state law depending on the technology and context. Where an opt-out right applies, we will provide a method to exercise it as required by law.

California residents may also have rights under California Civil Code Section 1798.83 (“Shine the Light”) regarding certain disclosures for direct-marketing purposes, where applicable.

12. Virginia and Other U.S. State Privacy Rights

Residents of Virginia and other states with comprehensive privacy laws may have additional rights, subject to each law’s applicability, scope, exemptions, and definitions. Depending on the applicable law, these may include rights to access, correct, delete, obtain a portable copy of personal information, and opt out of targeted advertising, sale of personal information, or certain profiling.

If applicable law provides an appeal right and we decline to act on a request, you may appeal by replying to our decision or contacting us using the information below. We will process appeals within the period required by applicable law.

13. Canada Residents

If you are a resident of Canada or a Canadian business principal, we may collect, use, and disclose business and personal information to evaluate, arrange, administer, or service a requested financing transaction; verify identity and credit-related information; meet legal, regulatory, audit, processing, and security requirements; and communicate with credit bureaus, financial institutions, financing sources, service providers, affiliates, agents, and other parties involved in a proposed or actual transaction, as permitted by applicable Canadian law.

Where consent is required, your consent remains valid for the purposes for which it was obtained unless and until it is withdrawn, subject to legal, contractual, and transaction-related limitations.

14. Third-Party Links and Services

Our website or portal may contain links to third-party websites or services, including technology providers, financial institutions, lenders, funding providers, social platforms, or other services. Those third parties maintain their own privacy and security practices. We encourage you to review their policies before providing information directly to them.

15. Children and Minors

Our services are intended for business owners and authorized business representatives and are not directed to children. We do not knowingly collect personal information from children under 13. Individuals under 18 should not submit a business funding application unless legally authorized to do so and permitted by applicable law.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, vendors, legal requirements, or privacy practices Material changes will be communicated or presented as required by applicable law.

17. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or a privacy-rights request, contact us at:

VIP Capital Funding
555 Fayetville St. Raleigh, North Carolina
Phone: (800) 735-7754
Email: consult@vipcapitalfunding.com

For privacy or security requests involving a connected financial account, please identify the request as a “Privacy Request” or “Plaid/Data Connection Request” so it can be routed appropriately.