INTRODUCTION
Biz Capital Depot LLC ("Biz Capital Depot," "Company," "we," "us," or "our") respects your privacy and is committed to protecting the personal, business, and financial information you provide when accessing our websites, applications, financial technology platforms, and related services.
This Privacy Policy explains how we collect, use, process, disclose, maintain, and protect information obtained from individuals and businesses seeking personal financing, business financing, credit-related services, lender-matching services, and other financial solutions.
Biz Capital Depot LLC is a Florida-registered company operating in Palm Beach County, Florida. We provide access to financial technology solutions, including artificial intelligence ("AI")-powered software designed to help individuals and businesses identify potential financing opportunities through participating lenders, banks, financial institutions, and other financing providers.
Biz Capital Depot LLC is not a bank or direct lender. All financing decisions, credit approvals, interest rates, loan amounts, and terms are determined by the respective financing providers.
This Privacy Policy applies to visitors, applicants, customers, and other individuals who interact with our websites, applications, technology platforms, or services (collectively, the "Services").
By using our Services, you acknowledge this Privacy Policy. Where applicable law requires your consent for particular processing activities, we will request that consent separately.
1. INFORMATION WE COLLECT
1.1 Personal Information
We may collect personal information necessary to establish accounts, verify identities, evaluate financing eligibility, facilitate financing applications, and provide customer support.
Personal information may include:
- Full legal name
- Date of birth
- Residential and mailing addresses
- Telephone number and email address
- Social Security number or other taxpayer identification information
- Government-issued identification
- Employment and income information
- Personal credit information
- Banking and financial information
- Other information voluntarily provided during registration or application
We collect sensitive personal information only when reasonably necessary for our Services or other disclosed purposes, subject to applicable law.
1.2 Business Information
For applicants seeking business financing, we may collect:
- Legal business name and trade name
- Business address and contact information
- Federal Employer Identification Number (EIN)
- State of incorporation or registration
- Date of business formation
- Business ownership information
- Names of officers, members, managers, and beneficial owners
- Business revenue and financial statements
- Business bank statements
- Business credit information
- Tax returns and financial records
- Existing business debts and financial obligations
- Articles of incorporation, operating agreements, and other formation documents
1.3 Credit and Financial Information
When necessary to provide financing-related services, and subject to applicable authorization and law, we may obtain or process information relating to:
- Personal and business credit reports
- Credit scores and credit histories
- Outstanding debts and payment obligations
- Credit utilization
- Existing credit accounts
- Bank account balances and transactions
- Income verification
- Financial statements and tax information
Access to consumer credit reports will require an appropriate permissible purpose under applicable law and any authorization required for the particular transaction.
1.4 Device and Digital Information
When you access our websites or applications, we may automatically collect:
- Internet Protocol (IP) address
- Browser type and version
- Operating system
- Device identifiers
- Website navigation activity
- Pages visited
- Referral sources
- Cookies and similar tracking information
- Dates, times, and duration of website interactions
- Approximate geographic location derived from technical information
This information may be used for website functionality, security, analytics, fraud prevention, and improving the customer experience.
1.5 Information Obtained From Third Parties
Where permitted by law and subject to required authorizations, we may obtain information from:
- Consumer reporting agencies
- Business credit reporting agencies
- Banks and financial institutions
- Identity verification providers
- Financial data service providers
- Public government databases
- Participating financing providers
- Authorized referral partners
- Fraud prevention and compliance service providers
We may combine information obtained from these sources with information provided directly by you.
2. HOW WE COLLECT INFORMATION
We may collect information through several methods.
2.1 Online Applications
When you apply for personal or business financing, you may be required to submit personal, business, credit, and financial information through our websites, applications, or other secure submission methods.
2.2 Account Registration
When creating an account, we may collect information necessary to establish and maintain your user profile.
2.3 Telephone, Email, and Electronic Communications
We may collect information provided through telephone calls, emails, text messages, online chat, customer service requests, and other communications.
Telephone conversations may be recorded for training, security, documentation, or quality assurance purposes where legally permitted and subject to applicable notice and consent requirements.
2.4 Cookies and Tracking Technologies
We may use cookies, web beacons, analytics tools, and similar technologies to support website functionality, improve performance, and understand how visitors interact with our Services.
Where required, users will be offered appropriate choices concerning nonessential tracking technologies.
2.5 Third-Party Technology Providers
Our Services may integrate with third-party software, identity verification systems, AI-powered tools, financial information platforms, and other technology providers.
Information processed through these integrations may also be governed by applicable third-party privacy policies.
3. HOW WE USE YOUR INFORMATION
Biz Capital Depot LLC may process personal and business information for the following purposes.
3.1 Providing Financial Services
We use information to:
- Review financing applications
- Assess potential financing eligibility
- Identify financing opportunities
- Match applicants with participating financing providers
- Facilitate personal and business financing applications
- Communicate application status and financing options
- Provide customer service and account support
3.2 Artificial Intelligence and Automated Lender Matching
Biz Capital Depot LLC may provide access to AI-powered financial technology that evaluates information submitted by applicants to identify potential financing opportunities.
Our technology may analyze relevant factors including:
- Credit scores and credit histories
- Business revenue
- Time in business
- Financial obligations
- Business industry
- Requested financing amounts
- Available financial information
- Participating lender eligibility requirements
The purpose of this technology is to identify potential matches between applicants and participating financing providers.
AI-generated financing matches are not guarantees of financing, preapprovals, or final credit decisions.
All financing approvals remain subject to the independent evaluation and underwriting criteria of participating lenders and financial institutions.
Where third-party AI systems process personal information, their use will be subject to applicable contractual arrangements, privacy requirements, and legal obligations.
Use of personal information to train general-purpose AI models is not automatically authorized by this Privacy Policy and must be supported by an appropriate legal basis, required disclosures, and any necessary consent.
3.3 Application Processing and Submission
When authorized, we may submit information to banks, lenders, financing companies, or other financial institutions for the purpose of seeking financing on your behalf.
3.4 Customer Communications
We may use contact information to provide:
- Application updates
- Financing opportunity notifications
- Account-related messages
- Customer support
- Security alerts
- Administrative communications
- Promotional communications where permitted
Marketing communications will be subject to applicable consent and opt-out requirements.
3.5 Fraud Prevention and Identity Verification
We may use information to verify identities, detect suspicious activity, prevent fraud, protect our systems, and comply with applicable legal obligations.
3.6 Improving Our Services
We may analyze usage patterns and service performance to improve our technology, customer experience, and financial matching capabilities.
3.7 Legal and Regulatory Compliance
We may process and retain information to comply with applicable laws, legal requests, contractual obligations, investigations, and regulatory requirements.
4. SHARING INFORMATION WITH THIRD PARTIES
4.1 Participating Lenders and Financial Institutions
When you request financing services and provide the necessary authorization, Biz Capital Depot LLC may share relevant personal, business, credit, and financial information with participating financing providers.
These may include:
- Banks
- Credit unions
- Commercial lenders
- Business financing companies
- Personal loan providers
- Alternative financing providers
- Other authorized financing partners
Financing providers may independently evaluate, retain, and process information according to their own privacy policies and applicable laws.
4.2 Third-Party Service Providers
We may share information with service providers assisting us in delivering our Services, including providers of:
- Cloud hosting and data storage
- AI and financial matching technology
- Identity verification
- Credit report processing
- Customer relationship management systems
- Email and communication systems
- Cybersecurity and fraud prevention
- Payment processing
- Technical support
- Analytics and website operations
Service providers are expected to protect information in accordance with applicable contractual and legal requirements.
4.3 Business and Referral Partners
We may share information with authorized referral partners and financial service providers when necessary to deliver requested services and where permitted by law.
4.4 Legal Requirements
We may disclose information when reasonably necessary to comply with applicable law, valid legal process, regulatory requirements, or lawful government requests.
4.5 Corporate Transactions
Information may be disclosed in connection with a merger, acquisition, restructuring, financing, or sale of company assets, subject to applicable law.
4.6 Advertising and Marketing
We may use third-party advertising and analytics services to measure campaign performance and deliver relevant advertisements.
Any sharing of personal information for targeted advertising, cross-context behavioral advertising, or activities legally classified as a sale or sharing of personal information will be subject to applicable disclosure, consent, and opt-out requirements.
We do not treat your authorization to apply for financing as blanket permission to disclose sensitive financial information for unrelated marketing purposes.
5. YOUR INFORMATION, ACCESS, AND DATA RETENTION
5.1 Accessing and Updating Information
You may request access to or correction of personal information maintained by Biz Capital Depot LLC.
Requests may be submitted to:
We may require identity verification before processing requests involving sensitive information.
5.2 Account Closure
Customers may request account closure by contacting our support team.
Closing an account does not necessarily result in the immediate deletion of all information.
5.3 Data Deletion Requests
You may request deletion of personal information, subject to applicable law.
We may retain certain information where necessary to:
- Meet legal and regulatory requirements
- Maintain required financial records
- Prevent fraud
- Resolve disputes
- Enforce contractual obligations
- Establish, exercise, or defend legal claims
- Complete transactions and fulfill lawful obligations
We will review and respond to qualifying requests in accordance with applicable law.
5.4 Data Retention
We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, subject to applicable legal, contractual, accounting, security, and regulatory requirements.
Retention periods may vary depending on the information involved and the services provided.
5.5 Information Shared With Financing Providers
Information previously shared with independent financing providers may remain in their possession after your relationship with Biz Capital Depot LLC ends.
Requests involving information retained by those providers may need to be submitted directly to them.
6. DATA SECURITY
Biz Capital Depot LLC recognizes the importance of protecting personal, business, and financial information.
We seek to maintain reasonable administrative, technical, and organizational safeguards appropriate to the sensitivity of the information processed and the risks involved.
Depending on the systems and service providers involved, safeguards may include access controls, secure transmission methods, authentication measures, and monitoring for unauthorized activity.
However, no electronic storage system or Internet transmission method can be guaranteed completely secure.
Customers are encouraged to safeguard their login credentials and immediately report suspected unauthorized access.
In the event of a data security incident involving personal information, we will investigate and provide notifications where required by applicable law.
7. COMMUNICATIONS AND MARKETING OPT-OUT
7.1 Promotional Emails
Customers may unsubscribe from promotional emails by using the unsubscribe instructions contained in applicable messages or by contacting:
7.2 Text Messages and Telephone Communications
Where you have provided appropriate consent, Biz Capital Depot LLC may contact you regarding financing services, applications, account updates, and promotional offers.
You may withdraw consent for promotional text messages by following the instructions provided in the message, including replying STOP where supported, or by contacting us.
Consent to receive marketing calls or text messages is not a condition of purchasing our services unless otherwise permitted by applicable law.
7.3 Transactional Communications
We may continue to send communications necessary to administer accounts, provide requested services, communicate security matters, and fulfill legal obligations, even when promotional communications have been declined.
8. CONSUMER PRIVACY RIGHTS
Depending on your state of residence and applicable law, you may have certain rights concerning personal information.
These rights may include:
- Requesting access to personal information
- Requesting correction of inaccurate information
- Requesting deletion of qualifying information
- Obtaining a copy of certain personal information
- Opting out of certain targeted advertising
- Opting out of certain sales or sharing of personal information
- Limiting certain uses of sensitive personal information
- Appealing certain privacy request decisions
These rights are subject to applicable eligibility requirements, exceptions, and verification procedures.
8.1 California Privacy Rights
California residents may have additional rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA).
Subject to applicable law and exceptions, qualifying California residents may request information about the categories and specific pieces of personal information collected, the sources of that information, the purposes for its use, and the categories of third parties receiving it.
California residents may also have rights to request correction, deletion, and access, and to opt out of certain sales or sharing of personal information.
Biz Capital Depot LLC will not unlawfully discriminate against individuals for exercising applicable privacy rights.
The availability of specific CCPA/CPRA obligations and rights depends on the law's applicability to Biz Capital Depot LLC and the processing activity concerned.
8.2 Florida Privacy Rights
Biz Capital Depot LLC is registered in the State of Florida and operates in Palm Beach County.
We will comply with Florida privacy, consumer protection, data security, and breach notification requirements applicable to our operations.
Where Florida law provides individuals with specific rights regarding personal information, qualifying requests will be handled in accordance with those requirements.
8.3 Other State Privacy Laws
Residents of other states may have additional rights under applicable consumer privacy laws.
We will evaluate qualifying requests according to the laws governing the relevant information and processing activities.
8.4 Exercising Your Rights
To submit a privacy request, contact:
Please include sufficient information for us to identify the nature of your request. Do not send Social Security numbers, complete financial account numbers, or other highly sensitive information through unsecured email.
9. CREDIT REPORTS AND FINANCIAL INFORMATION
When you request financing services, Biz Capital Depot LLC may need access to personal or business credit information.
Consumer credit information will be obtained, used, and disclosed only as permitted by applicable law, including the Fair Credit Reporting Act (FCRA), where applicable.
Any required credit-report authorization will be obtained through an appropriate application, disclosure, or authorization process.
Information obtained for financing eligibility or application purposes will not automatically be authorized for unrelated purposes.
Submitting information through our platform does not guarantee financing approval.
10. THIRD-PARTY WEBSITES AND SERVICES
Our websites and applications may contain links to third-party websites, lenders, financial institutions, and other service providers.
These parties may maintain independent privacy policies, data collection practices, and security procedures.
Biz Capital Depot LLC does not control the privacy practices of independently operated third-party websites.
We encourage users to review the privacy policies of any third-party service before providing personal or financial information.
11. CHILDREN'S PRIVACY
Our Services are intended for adults and businesses seeking financial services.
We do not knowingly collect personal information directly from children under 13 through our Services.
If we become aware that personal information from a child under 13 has been collected in violation of applicable law, we will take appropriate steps to address the information.
12. INTERNATIONAL USERS
Our Services are primarily intended for individuals and businesses seeking financing opportunities through participating financial institutions in the United States.
If you access our Services from outside the United States, information you provide may be processed or stored in the United States or other jurisdictions where our authorized service providers operate, subject to applicable legal requirements.
13. CHANGES TO THIS PRIVACY POLICY
Biz Capital Depot LLC reserves the right to update this Privacy Policy to reflect changes in our Services, technology, business operations, or applicable legal requirements.
When updates are made, the revised Privacy Policy will identify its effective date.
Where required by law, we will provide additional notice or obtain consent before implementing material changes affecting the processing of personal information.
14. GOVERNING LAW
Biz Capital Depot LLC is registered in the State of Florida, with its stated county of registration being Palm Beach County, Florida.
To the extent permitted by applicable law, matters concerning this Privacy Policy shall be governed by the laws of the State of Florida, without limiting any mandatory consumer privacy rights or other protections provided by applicable federal or state law.
15. CONTACT INFORMATION
If you have questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact:
BIZ CAPITAL DEPOT LLC
State of Registration: Florida
County: Palm Beach County, Florida
Email: contact@bizcapitaldepot.com
Privacy Inquiries: Please include "Privacy Request" in the subject line of your email.