Last Updated: April 7, 2025
At Capital Credit Incorporated ("Capital Credit," "we," "us," or "our"), we value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your personal information when you visit our website www.capitalcredit.com, use our services, or interact with us. By using our website or services, you agree to the practices described in this policy.
1. Information We Collect
We collect information to provide and improve our services, including accounts receivable factoring, invoice financing, and related financial solutions. The types of information we may collect include:
- Personal Information: Name, address, email address, phone number, and other identifiers you provide when contacting us, applying for services, or creating an account.
- Financial Information: Business details, bank account information (e.g., account numbers, transaction history), credit history, accounts receivable data, and other financial details necessary to process financing requests or payments, including data accessed via Plaid for identity validation and bank account monitoring.
- Usage Data: Information about how you interact with our website, such as IP address, browser type, device information, pages visited, and time spent, collected via cookies or similar technologies.
- Business Information: Details about your company, such as industry type, revenue, and transaction history, to assess eligibility for our services.
- Information from Third Parties: Data from credit bureaus, business partners, or public sources, including identity and bank account verification data from Plaid, to confirm your identity or evaluate creditworthiness.
2. How We Collect Information
We collect information in the following ways:
- Directly from You: When you submit forms, request services, or communicate with us.
- Automatically: Through cookies, web beacons, and analytics tools when you visit our website.
- From Third Parties: Via partners, service providers like Plaid (which validates your identity and monitors bank accounts), payment processors, or credit reporting agencies as part of our financing process. When you link your bank account through Plaid, we receive secure data to verify your identity and monitor account activity for financing purposes.
3. How We Use Your Information
We use your information to:
- Provide and manage our services, including processing financing applications and payments.
- Verify your identity and assess creditworthiness or eligibility for our offerings, including through Plaid’s validation and bank monitoring services.
- Communicate with you about your account, services, or updates.
- Improve our website and services through analytics and user feedback.
- Market our services, including sending promotional materials (with an option to opt out).
- Comply with legal obligations, such as reporting to credit bureaus or responding to lawful requests.
- Protect against fraud, unauthorized access, or other security risks.
4. How We Share Your Information
We do not sell or rent your personal information. We may share your information with:
- Service Providers: Trusted third parties, such as Plaid (for identity validation and bank account monitoring), payment processors, and IT support, who assist us in delivering services and are bound by confidentiality agreements.
- Plaid Integration: Plaid is integrated into our system to securely access and verify your bank account information. By using our services, you agree to Plaid’s End User Privacy Policy, which you can review here. When you use Plaid to link your bank account, your data is shared with Plaid pursuant to their End User Privacy Policy.
- Business Partners: Entities involved in your financing, such as banks or factoring partners, to fulfill our services.
- Legal and Regulatory Authorities: When required by law, court order, or to protect our rights.
- Credit Bureaus: To report credit activity or assess creditworthiness.
- With Your Consent: For example, if you authorize us to share data with a specific party.
5. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience, analyze website usage, and deliver tailored content. You can manage cookie preferences through your browser settings, though disabling them may affect site functionality. For details, see our [Cookie Policy] (link to be added if applicable).
6. Your Choices
You have options regarding your information:
- Opt-Out of Marketing: Email us at servcing@capitalcredit.com or use the unsubscribe link in our communications.
- Access or Correct Information: Contact us to review or update your data (subject to verification). This includes information collected via Plaid, though some updates may need to be made directly with your bank.
- Cookies: Adjust your browser settings to limit tracking.
- Opt-in Language: If a contact form on the website is used to collect consent, incorporate a checkbox with the following statement: "By checking this box, you agree to receive SMS messages from Capital Credit Inc. related to our funding programs. You may reply STOP to opt-out at any time. Reply to HELP to 1 (800) 818 4946 for assistance. Messages and data rates may apply. Message frequency will vary" SMS opt-in or phone numbers for the purpose of SMS are not being shared with any third party and affiliate company for marketing purposes.
7. Data Security
We implement industry-standard safeguards, including encryption and access controls, to protect your information from unauthorized access, loss, or disclosure. Plaid also employs robust security measures for data it processes on our behalf. However, no system is 100% secure, and we cannot guarantee absolute security.
8. Data Retention
We retain your information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal requirements, or resolve disputes—typically no longer than 7 years after our relationship ends, unless otherwise required by law. Data accessed via Plaid is retained only as needed for identity validation and bank monitoring purposes.
9. Third-Party Links
Our website may contain links to external sites, including Plaid’s, not governed by this policy. We are not responsible for the privacy practices of those sites.
10. Children’s Privacy
Our services are not intended for individuals under 18. We do not knowingly collect information from minors. If we learn such data has been collected, we will delete it promptly.
11. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The updated version will be posted here with a revised "Last Updated" date. Significant changes will be communicated via email or a website notice.
12. Contact Us
If you have questions, concerns, or requests about this policy or your information, including data processed via Plaid, please reach out:
Capital Credit Incorporated
7301 RR 620 North, Suite 155
Austin, TX 78726
1 (800) 818 4946
