Information Collection

We collect information in three ways:

1. Directly from you: Contact details, identification, financial and business information, loan application data, and demographic details (voluntarily provided).
2. Automatically via our website: Device data, usage statistics, and cookies.
3. From third parties: Credit bureaus, business information services, references, and partner organizations.

Use of Information

Your information is used for:

1. Loan processing and underwriting.
2. Service delivery and account management.
3. Legal and regulatory compliance.
4. Organizational operations and improvement.
5. Communications regarding your account and our services.

Information Sharing

We may share your information with:

1. Service providers and partners (e.g., loan servers, credit bureaus, technology providers, professional advisors).
2. Lending partners and investors.
3. Regulatory and government agencies.
4. Affiliated organizations.
5. Other parties with your explicit consent.

Data Security

We employ technical, administrative, and physical safeguards, including encryption, secure storage, access controls, regular assessments, employee training, and secure disposal. While we strive for robust protection, no method is completely secure.

Data Retention

Personal information is retained as required to fulfill policy purposes and comply with regulations, typically for at least seven years after account closure.

Breach of Data Notification

If AltCap experiences a data breach involving personal information, we will promptly notify affected individuals and, where required, regulatory authorities, in accordance with applicable laws.

Your Rights

Depending on your location, you may:

• Request access or correction of your information
• Request data portability
• Opt out of marketing communications
• Exercise rights under applicable laws