Privacy Policy

1. Introduction

Equipment Capital ("Equipment Capital," "we," "us," or "our") operates this website (the "Site") and provides equipment financing matching services (the "Services"). This Privacy Policy explains how we collect, use, disclose, and safeguard information about you when you visit the Site or use the Services. Please read this policy carefully. If you disagree with its terms, please discontinue use of the Site and Services.

2. Information We Collect

We may collect information about you in various ways, including:

Information you provide directly

When you complete an application, contact form, or inquiry, we collect information such as your name, email address, phone number, business name, business address, years in business, approximate annual revenue, and details about the equipment you wish to finance. If you apply for financing, we may also collect Social Security Number or Employer Identification Number, date of birth, and financial information required for credit evaluation.

Information collected automatically

When you visit the Site, we may automatically collect certain technical information including IP address, browser type and version, device identifiers, pages visited, referring URLs, and time spent on pages. This information is collected via cookies and similar tracking technologies.

Information from third parties

We may receive information about you from credit bureaus, data verification services, lender partners, and publicly available sources in connection with evaluating a financing request or verifying the information you provide.

3. How We Use Your Information

We use the information we collect for purposes including:

• Processing and evaluating your financing application;
• Matching your profile to lenders and financing products in our network;
• Communicating with you about your application, offers, and account;
• Verifying your identity and the accuracy of information provided;
• Complying with legal and regulatory obligations;
• Improving the Site and Services through analytics and product research;
• Sending transactional and, where permitted, marketing communications;
• Detecting and preventing fraud, unauthorized access, and other illegal activities.

4. Sharing of Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

Lender partners

To process your financing application, we share your information with lenders and financial institutions in our network. Each lender's use of your information is governed by their own privacy policy and applicable law.

Service providers

We engage third-party service providers to perform functions on our behalf (e.g., hosting, analytics, email delivery, identity verification). These providers access your information only as necessary to perform services for us and are contractually obligated to protect it.

Legal requirements

We may disclose your information if required by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

5. GLBA Financial Privacy Notice

To the extent that our Services involve the collection and use of nonpublic personal financial information in connection with a financial product or service, the Gramm-Leach-Bliley Act (GLBA) may apply. In that case, we will provide you with the required GLBA Privacy Notice, which describes in detail the types of nonpublic personal information we collect, the categories of third parties to whom we disclose that information, and your rights to opt out of certain disclosures.

If you have questions about your GLBA rights or wish to exercise any opt-out rights, please contact us at the address below.

6. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to operate and improve the Site, remember your preferences, and analyze usage patterns. Most browsers allow you to refuse or delete cookies; however, doing so may affect your ability to use certain features of the Site. We do not currently respond to browser "Do Not Track" signals, though we will update this policy if our practices change.

7. Your Choices and Rights

Depending on your location, you may have rights regarding your personal information, including the right to:

• Access the personal information we hold about you;
• Request correction of inaccurate information;
• Request deletion of your personal information, subject to legal retention requirements;
• Opt out of marketing communications at any time by following the unsubscribe link in any email or contacting us directly;
• Lodge a complaint with your applicable data protection authority.

To exercise any of these rights, please contact us at the address in Section 9. We will respond to verifiable requests within the timeframe required by applicable law.

8. Data Security

We implement industry-standard administrative, technical, and physical safeguards designed to protect the information we collect from unauthorized access, disclosure, alteration, and destruction. Sensitive financial information submitted through the Site is transmitted via TLS encryption. However, no security measures are perfect or impenetrable, and we cannot guarantee the absolute security of your information. You are responsible for maintaining the confidentiality of any credentials used to access your account.

9. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on the Site with a revised "Last updated" date. Your continued use of the Site or Services after any change constitutes your acceptance of the revised policy.