PRIVACY POLICY

Cap2All.com

Effective Date: October 21, 2026
Last Updated: October 21, 2026

1. Introduction

Cap2All ("Cap2All," "we," "our," or "us") respects your privacy and is committed to protecting the personal and business information you share with us.

This Privacy Policy explains how we collect, use, disclose, store, and protect information when you visit our website at www.cap2all.com, submit a business financing inquiry or application, communicate with our representatives, or otherwise interact with our services.

Cap2All provides business financing solutions and connects eligible businesses with potential financing opportunities in the United States and Canada.

Depending on the services requested, we may collect information about business owners, authorized representatives, businesses seeking financing, and individuals who communicate with us on behalf of a business.

This Privacy Policy describes our information-handling practices, the circumstances under which information may be shared with financing providers and service providers, and the choices and rights that may be available to you under applicable privacy laws.

By using our website, you acknowledge that you have had the opportunity to review this Privacy Policy.

Where consent is required by applicable law, we will obtain your consent before undertaking the relevant processing activity.

2. Information We Collect

We may collect several categories of information depending on how you interact with Cap2All.

2.1 Personal Information

Personal information is information that identifies, relates to, describes, or can reasonably be associated with an individual.

Depending on your interaction with us, this information may include:

• Full name.

• Business title or position.

• Email address.

• Telephone number and mobile number.

• Business mailing address and physical address.

• Business ownership information.

• Information provided through contact forms or financing inquiries.

• Communications and correspondence with Cap2All.

• Information needed to verify your identity or authority to represent a business, where applicable.

We collect only the information reasonably necessary for the relevant business purpose, subject to applicable law.

2.2 Business and Financial Information

When you inquire about business financing or submit an application, we may collect information about your business and its financial position.

This information may include:

• Legal business name and operating name.

• Business address and contact information.

• Business structure and industry.

• Length of time in business.

• Annual or monthly revenue.

• Business bank account information and banking history.

• Business bank statements.

• Financial statements and tax-related documents.

• Existing business loans, advances, or other financing obligations.

• Accounts receivable and payable information.

• Outstanding invoices and payment history.

• Equipment, inventory, and other business assets.

• Information relating to requested financing amounts and intended use of funds.

• Other documentation reasonably required to evaluate or facilitate a financing request.

The information collected depends on the financing product, the requirements of the relevant financing provider, and the circumstances of the application.

Please do not send passwords, online banking login credentials, or other unnecessary security information through ordinary email or website contact forms.

2.3 Information Submitted Through Financing Applications

If you complete a financing application through our website or an application platform we use, we may collect the information you submit through that process.

Depending on the application and applicable requirements, this may include information about business owners, beneficial owners, guarantors, or authorized representatives.

We may also collect supporting documents needed to assess eligibility for business financing.

Submitting an inquiry does not guarantee approval, an offer of financing, or funding.

2.4 Credit-Related Information

Depending on the financing program and the permissions obtained, we or the relevant financing provider may obtain or review certain credit-related information.

Such information may include:

• Business credit information.

• Personal credit information, where relevant and legally permitted.

• Credit scores or credit reports.

• Existing credit obligations.

• Publicly available business records.

• Information used to assess creditworthiness and financing eligibility.

Any credit inquiry will be conducted in accordance with applicable law and the authorizations obtained.

Where an application involves a financing provider that requires a credit inquiry, the nature of that inquiry and any required authorization will be addressed through the applicable application process.

You should review the relevant application disclosures before authorizing a credit inquiry.

2.5 Information Collected Automatically

When you visit our website, certain information may be collected automatically through cookies, server logs, analytics technologies, and similar tools.

Depending on the technologies enabled on our website, this information may include:

• IP address.

• Browser type and version.

• Device type and operating system.

• Pages visited.

• Date and time of visits.

• Referring website or source.

• Time spent on website pages.

• General website navigation and interaction data.

• Approximate location inferred from an IP address.

We use this information to help operate our website, understand visitor behavior, identify technical issues, improve website performance, and protect against fraudulent or unauthorized activity.

The technologies actually used will depend on our website configuration and the services we have enabled.

2.6 Information from Other Sources

Where permitted by law, we may receive information from third parties to support our business operations and financing services.

These sources may include:

• Business financing providers and lending partners.

• Credit reporting agencies.

• Business verification services.

• Public business registries and other publicly available records.

• Referral partners.

• Application processing platforms.

• Fraud prevention and identity verification services.

• Other service providers involved in processing a financing request.

We handle information received from these sources in accordance with applicable law and any relevant contractual obligations.

3. How We Use Your Information

Cap2All uses collected information for legitimate business purposes, including the following.

3.1 Responding to Inquiries

We use your information to:

• Respond to questions about our business financing solutions.

• Contact you regarding a financing inquiry.

• Provide information about available financing options.

• Schedule consultations with our representatives.

• Communicate about the status of your inquiry or application.

3.2 Evaluating Financing Opportunities

We may use information you provide to understand your business financing needs and identify potentially suitable financing options.

This may involve reviewing business revenue, time in business, existing obligations, requested funding amounts, and other eligibility factors.

Where appropriate, we may share relevant information with potential financing providers so they can evaluate whether they wish to offer financing.

The final decision to approve or decline financing rests with the relevant financing provider, subject to the applicable arrangement.

3.3 Facilitating Financing Applications

We may use your information to:

• Process financing inquiries and applications.

• Obtain supporting documentation.

• Communicate with financing providers.

• Coordinate requests for additional information.

• Facilitate the evaluation of potential financing offers.

• Assist with application-related communications.

The information required will vary by financing product and provider.

3.4 Operating and Improving Our Website

We may use website usage information to:

• Maintain website functionality.

• Improve website navigation and content.

• Understand which pages and services visitors find useful.

• Troubleshoot technical problems.

• Evaluate the effectiveness of our website.

• Improve the user experience.

3.5 Marketing and Business Communications

Subject to applicable law and your communication preferences, we may use contact information to send communications about:

• Business financing solutions.

• New or existing services.

• Relevant financing opportunities.

• Business updates and educational resources.

• Follow-up communications concerning a previous inquiry.

We will obtain consent where required by applicable marketing, privacy, and electronic communications laws.

You may opt out of marketing emails using the unsubscribe mechanism provided in the message or by contacting us.

Opting out of marketing communications will not necessarily stop service-related messages or communications required to process an existing application.

3.6 Security, Fraud Prevention, and Legal Compliance

We may use information to:

• Detect, investigate, or prevent fraud.

• Protect our website and business systems.

• Verify the authenticity of submitted information.

• Enforce applicable agreements.

• Establish, exercise, or defend legal claims.

• Comply with legal obligations and lawful requests.

• Protect our rights, property, and the rights of others.

3.7 Other Permitted Purposes

We may use information for additional purposes that are disclosed when the information is collected or otherwise permitted by applicable law.

Where required, we will seek your consent before using personal information for a materially different purpose.

4. How We Share Your Information

Cap2All does not need to sell your personal information to provide business financing services. However, facilitating financing inquiries may require sharing relevant information with third parties.

We may disclose information in the following circumstances.

4.1 Financing Providers, Lenders, and Funding Partners

When you inquire about financing or submit an application, we may share relevant business and personal information with financing providers, lenders, alternative financing companies, merchant cash advance providers, revenue-based financing providers, asset-based lenders, equipment financing companies, invoice financing providers, and other potential financing partners.

We may share information such as:

• Business contact details.

• Business ownership information.

• Revenue and financial information.

• Business banking documentation.

• Requested financing amounts.

• Existing financing obligations.

• Other information reasonably necessary to evaluate a financing request.

The purpose of this sharing is to identify, evaluate, or facilitate potential financing opportunities.

Depending on the relationship and applicable agreements, a financing provider may use the information to assess your application, make a financing decision, satisfy compliance obligations, administer an agreement, or contact you regarding its services.

Important: A financing provider that receives your information may have its own privacy policy and data-handling practices. We encourage you to review the relevant provider's disclosures before submitting additional information directly to that provider.

4.2 Service Providers

We may share information with service providers that perform functions on our behalf.

These may include providers of:

• Website hosting.

• Customer relationship management systems.

• Financing application platforms.

• Business email and communications.

• Telephone and messaging services.

• Data storage and document management.

• Website analytics.

• Cybersecurity and fraud prevention.

• Information processing and technical support.

These providers may access information only as reasonably necessary to perform their services, subject to applicable contractual requirements and law.

4.3 Professional Advisers

We may disclose information to our lawyers, accountants, auditors, insurers, and other professional advisers when reasonably necessary for business operations, compliance, risk management, or the establishment and defense of legal claims.

4.4 Legal Requirements and Protection of Rights

We may disclose information when we reasonably believe disclosure is necessary to:

• Comply with applicable laws or regulations.

• Respond to a valid legal process or lawful government request.

• Protect against fraud or security threats.

• Investigate suspected unlawful activity.

• Enforce our agreements.

• Protect the rights, safety, or property of Cap2All, our customers, or others.

We will handle such disclosures in accordance with applicable law.

4.5 Business Transfers

If Cap2All undergoes a merger, acquisition, restructuring, financing transaction, sale of assets, or similar business transaction, personal information may be disclosed or transferred as part of that transaction, subject to applicable privacy requirements.

4.6 With Your Consent

We may share information for additional purposes when you have provided the necessary consent or otherwise directed us to do so.

5. Cookies and Similar Technologies

Our website may use cookies and similar technologies to support website functionality and understand how visitors use our services.

Cookies are small data files stored on your device when you visit a website.

Depending on our website configuration, cookies and similar technologies may be used for the following purposes.

Essential functionality: To support website operation, security, and basic functions.

Analytics: To understand website traffic, visitor behavior, and page performance.

Preferences: To remember certain website settings or choices.

Advertising and marketing: Where enabled, to measure advertising performance, understand campaign effectiveness, or deliver relevant advertising.

The cookies and technologies actually used may change as our website and service providers evolve.

You may be able to manage cookies through your browser settings or through a cookie preference tool on our website, if available.

Disabling certain cookies may affect website functionality.

Where required by applicable law, we will obtain consent before using non-essential cookies or similar technologies.

Some browsers offer a Global Privacy Control signal or other privacy settings. We will honor such signals where required by applicable law and where technically applicable.

6. Email, Telephone, and Text Message Communications

When you provide your contact information, we may use it to respond to inquiries, discuss financing options, request supporting documentation, or communicate about an application.

We may contact you by email or telephone where permitted by law.

Marketing Communications

Where permitted and appropriately authorized, we may send marketing communications about Cap2All's business financing services.

You may unsubscribe from marketing emails using the instructions included in the message.

You may also contact us using the information in the Contact Us section below.

Text Messages

If Cap2All offers SMS or text message communications, the terms presented when you provide your telephone number or consent to messaging will apply.

Where consent is required, we will obtain it before sending marketing text messages.

Message and data rates may apply where applicable.

You may opt out of marketing text messages by following the instructions provided in the message, such as replying STOP where supported.

Opting out of marketing messages does not necessarily stop transactional or service-related communications that are permitted by law.

We will not treat a telephone number supplied for one purpose as unrestricted permission to send every category of marketing communication.

7. How We Protect Your Information

We take reasonable measures designed to protect personal and business information against unauthorized access, use, disclosure, alteration, and destruction.

Depending on the nature of the information and our systems, these measures may include:

• Access controls.

• Password protection and authentication.

• Secure data transmission where supported.

• Administrative and organizational safeguards.

• Service-provider security requirements.

• Procedures for managing suspected security incidents.

No website, electronic transmission, or storage system can be guaranteed to be completely secure.

Although we take reasonable steps to protect information, we cannot guarantee absolute security.

You should avoid sending sensitive financial information through unsecured communication channels unless the relevant process specifically supports that method.

If a privacy breach occurs, we will respond and provide notifications as required by applicable law.

8. How Long We Retain Information

We retain personal and business information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy.

Retention periods may depend on:

• The nature of the information.

• Whether you submitted a financing inquiry or application.

• Whether a financing transaction was completed.

• Our ongoing business relationship with you.

• Applicable legal and regulatory requirements.

• Recordkeeping obligations.

• The need to resolve disputes or enforce agreements.

• Security and fraud prevention requirements.

When information is no longer required, we will take reasonable steps to delete it, anonymize it, or otherwise dispose of it securely, subject to applicable law and legitimate retention requirements.

Information held by financing providers and other third parties may be subject to their own retention policies.

9. Your Privacy Rights

Depending on where you reside, the type of information involved, and applicable law, you may have certain rights concerning your personal information.

These rights may include the ability to:

• Request access to personal information we hold about you.

• Request correction of inaccurate or incomplete information.

• Request deletion of certain personal information.

• Withdraw consent where processing is based on consent.

• Object to or request restrictions on certain processing activities.

• Request information about certain disclosures of personal information.

• Opt out of certain targeted advertising, sale, or sharing practices where applicable.

• Appeal certain privacy-related decisions where required by law.

• Lodge a complaint with the appropriate privacy regulator.

These rights are subject to applicable legal requirements, exceptions, and verification procedures.

We may need to verify your identity or authority to act on behalf of a business before responding to a request.

We may also need to retain certain information where required by law or where a lawful exception applies.

How to Submit a Privacy Request

To submit a request relating to your personal information, contact us using the details in the Contact Us section.

Please describe your request and provide sufficient information for us to identify the relevant records.

We will review and respond to requests within the timeframes required by applicable law.

Where permitted by law, an authorized representative may submit a request on your behalf, subject to appropriate verification.

We will not unlawfully discriminate against you for exercising privacy rights available to you under applicable law.

10. Additional Privacy Information for U.S. Residents

Certain U.S. states have enacted privacy laws that provide residents with specific rights concerning their personal information.

Depending on the state, the nature of our activities, and whether a particular law applies to Cap2All, these rights may include the right to:

• Know or access certain personal information collected about you.

• Obtain information about the categories of personal information collected and disclosed.

• Request correction of inaccurate personal information.

• Request deletion of certain personal information.

• Obtain a portable copy of certain information.

• Opt out of certain sales of personal information, targeted advertising, or profiling activities where covered by law.

• Appeal certain decisions concerning privacy requests.

The availability and scope of these rights vary by state and may be subject to statutory exceptions.

Sale and Targeted Advertising

We do not promise that every category of information collected through our website is exempt from every legal definition of a sale, sharing, or targeted advertising.

Whether a particular activity falls within those definitions depends on the activity, the relevant parties, and applicable law.

If Cap2All engages in an activity that triggers a legal opt-out obligation, we will provide the applicable rights and opt-out mechanisms.

Where required, we will honor legally applicable browser-based opt-out signals.

Submitting a U.S. Privacy Request

You may contact us using the information in Section 16 to request access, correction, deletion, or other rights available to you.

We may request additional information to verify your identity and the scope of your request.

We will process your request in accordance with the applicable state privacy law.

11. Additional Privacy Information for Canadian Residents

Cap2All serves businesses in Canada and may collect personal information from individuals located in Canadian provinces and territories.

Our collection, use, and disclosure of personal information will be governed by the privacy laws applicable to the relevant activity and circumstances.

Depending on the applicable law, individuals may have rights to:

• Request access to their personal information.

• Request correction of inaccurate information.

• Obtain information about how their personal information is used or disclosed.

• Withdraw consent where permitted by law.

• Raise concerns about the handling of their personal information.

• Submit complaints to the appropriate privacy regulator.

Canadian privacy requirements may include the federal Personal Information Protection and Electronic Documents Act (PIPEDA), applicable provincial privacy legislation, and other relevant laws.

The specific law that applies depends on the circumstances, including the province involved, the nature of the organization, and whether information crosses provincial or national borders.

Consent and Purpose

Where required by applicable law, we will obtain meaningful consent before collecting, using, or disclosing personal information.

We will identify the purposes for which information is collected and will not use or disclose it for materially different purposes without an appropriate legal basis or consent where required.

Access and Correction Requests

Canadian residents may contact us to request access to personal information we hold about them or to request corrections.

We may require verification of identity before responding.

Some information may be subject to legal exceptions or record-retention obligations.

Canadian Marketing Communications

Where applicable, our commercial electronic communications will comply with Canada's Anti-Spam Legislation (CASL) and other relevant requirements.

Where consent is required, we will obtain it before sending commercial electronic messages.

Our marketing communications will include an unsubscribe mechanism where required, and we will process unsubscribe requests within the applicable legal timeframe.

12. International Data Transfers

Cap2All serves businesses in both the United States and Canada.

As a result, information may be processed or stored in either country or in other jurisdictions where our service providers or financing partners operate.

For example, information submitted by a Canadian business may be shared with a financing provider operating in the United States if the disclosure is appropriate for the requested financing service and permitted by applicable law.

Where information is transferred across borders, its handling may be subject to the laws applicable in the receiving jurisdiction.

We take reasonable steps, where appropriate and required, to ensure that information transferred to service providers or other organizations receives protections consistent with applicable privacy obligations.

By submitting information to Cap2All, you acknowledge that cross-border processing may occur where permitted by law. This does not replace any consent or disclosure required under applicable privacy legislation.

13. Third-Party Websites and Services

Our website may contain links to third-party websites, financing applications, payment services, or other external platforms.

These third-party services may have their own privacy policies, terms of use, and information-handling practices.

Cap2All does not control the privacy practices of independent third-party websites.

We encourage you to review the privacy policy of any third-party service before submitting personal or financial information through it.

Our inclusion of a link to a third-party website does not, by itself, constitute an endorsement of that website's privacy practices.

14. Children's Privacy

Cap2All provides business financing services intended for businesses and the adults who own, operate, or represent them.

Our website is not directed toward children, and we do not knowingly collect personal information directly from children in connection with services intended for them.

If we become aware that we have collected personal information from a child in circumstances where the collection is not permitted, we will take appropriate steps in accordance with applicable law.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, website functionality, financing services, technology, or legal requirements.

When we make changes, we will update the "Last Updated" date at the top of this page.

Where required by applicable law, we will provide additional notice or obtain consent before implementing material changes.

We encourage you to review this page periodically to stay informed about our privacy practices.

16. Contact Us

If you have questions about this Privacy Policy, wish to exercise an applicable privacy right, or have concerns about how your information is handled, please contact Cap2All.

Cap2All — Business Financing Solutions

Website: https://www.cap2all.com/

Email: capital@cap2all.com

Telephone: 866-618-8874

Please include "Privacy Request" in the subject line of your email so we can direct your inquiry appropriately.

We will review privacy-related inquiries and respond in accordance with applicable law.