Overview

At United Capital Funding (“United Capital Funding,” “UCF,” “we,” “our,” or “us”), protecting your privacy and safeguarding your personal and business information are among our highest priorities.

By accessing or using our website or submitting information to us, you acknowledge that you have read and agree to this Privacy Policy.

Information We Collect

To evaluate financing opportunities and provide our products and services, we may collect personal, business, and financial information including, but not limited to:

Personal Information

• Full legal name
• Business name
• Mailing and business address
• Email address
• Telephone number
• Date of birth
• Government-issued identification
• Social Security Number, when required
• Employer Identification Number (EIN)
• Tax Identification Number

Business Information

• Business formation documents
• Industry type
• Years in business
• Ownership information
• Business licenses
• State registrations

Financial Information

• Bank account information
• Bank statements
• Credit card processing statements
• Accounting reports
• Tax returns
• Profit and loss statements
• Balance sheets
• Existing loan obligations
• Payment histories
• Business revenue information
• Credit reports, personal and business

Technical Information

When you visit our website, we may automatically collect:

• IP address
• Browser type
• Device information
• Operating system
• Geographic location
• Pages viewed
• Time spent on our website
• Referral sources
• Website interaction data

We may also collect information through cookies and similar tracking technologies.

How We Collect Information

Information may be collected directly from:

• Applications you submit
• Phone calls
• Email communications
• SMS messages
• Our website
• Customer support interactions
• Documents uploaded through our secure portal

We may also receive information from:

• Credit reporting agencies
• Financial institutions
• Referral partners
• Brokers
• Public databases
• Government agencies
• Identity verification providers
• Fraud prevention services

How We Use Your Information

United Capital Funding uses your information to:

• Evaluate financing eligibility
• Verify identity
• Prevent fraud
• Perform underwriting
• Process financing applications
• Service existing accounts
• Communicate with applicants and customers
• Improve our products and customer experience
• Provide customer support
• Meet legal and regulatory requirements
• Monitor quality assurance and employee training
• Conduct internal reporting and analytics
• Maintain website security

Sharing of Information

We may share information with trusted third parties including:

• Banks
• Commercial finance companies
• Merchant cash advance providers
• Lending partners
• Investors
• Credit bureaus
• Payment processors
• Technology service providers
• Identity verification companies
• Legal counsel
• Auditors
• Government agencies when required by law

We do not sell your personal information for monetary compensation.

Information may also be disclosed when necessary to comply with legal obligations, respond to subpoenas or court orders, protect our legal rights, prevent fraud or financial crimes, enforce agreements, or complete mergers, acquisitions, or business transfers.

Cookies and Tracking Technologies

Our website uses cookies, pixels, and similar technologies to:

• Improve website performance
• Remember preferences
• Analyze traffic
• Detect fraud
• Enhance security
• Improve customer experience
• Measure advertising effectiveness

Most web browsers allow users to disable cookies through browser settings; however, certain website features may not function properly if cookies are disabled.

Google Analytics and Advertising

Our website may utilize Google Analytics and similar analytics platforms to better understand website usage. These services may collect IP addresses, browser information, device identifiers, website interactions, and traffic patterns.

Users may opt out of Google Analytics through Google’s browser opt-out tools.

Third-Party Websites

Our website may contain links to third-party websites. United Capital Funding is not responsible for the privacy practices or content of external websites. We encourage users to review each website’s privacy policy independently.

Information Security

United Capital Funding maintains commercially reasonable administrative, technical, and physical safeguards designed to protect your information, including:

• SSL encryption
• Secure cloud infrastructure
• Multi-factor authentication
• Restricted employee access
• Firewall protection
• Continuous monitoring
• Secure document storage
• Data encryption
• Vendor security assessments

Although we employ industry-standard safeguards, no method of electronic transmission or storage can be guaranteed to be completely secure.

Retention of Information

We retain information only as long as necessary to provide financing services, comply with applicable laws, meet regulatory obligations, resolve disputes, enforce agreements, and maintain business records.

Retention periods vary depending on legal and operational requirements.

Your Privacy Rights

Depending on applicable law, you may have the right to:

• Request access to your information
• Correct inaccurate information
• Request deletion of certain information
• Request limitations on processing
• Withdraw marketing consent
• Request a copy of your personal information

Certain information may be retained when legally required.

Marketing and SMS Communications

If you receive promotional emails from United Capital Funding, you may unsubscribe at any time by clicking the unsubscribe link included within our communications. Please note that transactional or account-related communications cannot be opted out of while maintaining an active relationship with us.

If you provide your mobile phone number, you consent to receive communications regarding your financing application, account updates, customer service, and other business-related matters. Message and data rates may apply. You may opt out by replying STOP to any SMS message.

By providing your mobile telephone number to United Capital Funding, you expressly consent to receive calls and text messages regarding your financing inquiry, application status, funding updates, account servicing, payment reminders, customer support, promotional offers, and other business-related communications.

These communications may be sent using an automatic telephone dialing system or prerecorded voice where permitted by applicable law. Message frequency may vary. Standard message and data rates may apply based on your wireless carrier.

You may opt out of receiving SMS communications at any time by replying STOP to any message. To receive assistance, reply HELP or contact our customer support team. Your consent to receive text messages is not a condition of obtaining financing or purchasing any products or services from United Capital Funding.

We do not share your mobile number with third parties for their independent marketing purposes.

Children’s Privacy

Our products and services are intended exclusively for businesses and business owners. Our website is not intended for individuals under the age of 18, and we do not knowingly collect information from minors.

Changes to This Privacy Policy

United Capital Funding reserves the right to update or modify this Privacy Policy at any time. Any changes will become effective immediately upon posting the revised version on our website. Continued use of our services constitutes acceptance of any revisions.

California and State Privacy Rights

California residents may have additional privacy rights under the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and other applicable laws. Eligible California residents may request access to, correction of, or deletion of qualifying personal information, subject to applicable legal exceptions.

Residents of certain U.S. states may have additional privacy rights under applicable state privacy laws, including but not limited to California, Colorado, Connecticut, Delaware, Indiana, Iowa, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, and Virginia.

Depending upon your state of residence, you may have the right to:

• Access personal information we maintain about you
• Correct inaccurate personal information
• Delete certain personal information
• Obtain a copy of your personal information
• Limit certain uses of sensitive personal information where applicable
• Opt out of certain targeted advertising or profiling activities where required by law
• Appeal certain privacy decisions

United Capital Funding will respond to verified consumer requests within the timeframes required by applicable law. To exercise any available privacy rights, please contact us using the information provided at the end of this Privacy Policy.

International Users

If you access our services from outside the United States, you understand that your information may be transferred to and processed within the United States, where privacy laws may differ from those in your jurisdiction.

Electronic Communications and Electronic Signature Consent

By accessing our website, submitting an application, or conducting business electronically with United Capital Funding, you consent to receive disclosures, notices, agreements, account information, contracts, and other communications electronically.

Electronic communications may include:

• Financing agreements
• Funding approvals
• Adverse action notices
• Account statements
• Payment confirmations
• Renewal offers
• Policy updates
• Required legal disclosures

You agree that electronic records and electronic signatures have the same legal effect as paper documents and handwritten signatures under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), the Uniform Electronic Transactions Act (UETA), and other applicable laws.

You may withdraw your consent to receive electronic communications by contacting us; however, doing so may limit or terminate your ability to use certain online services.

Identity Verification and Fraud Prevention

To protect both our customers and our lending partners, United Capital Funding utilizes identity verification tools, fraud detection technologies, device intelligence, document authentication services, and commercially available databases.

We may verify:

• Identity
• Business ownership
• Banking information
• Device information
• IP addresses
• Public records
• Credit information
• Fraud indicators

Applications that cannot be verified or appear to present elevated fraud risk may be delayed, declined, or referred for additional review.

Security Incidents, Consumer Reports, and Confidentiality

Data Security Incident Notification

Although United Capital Funding maintains commercially reasonable administrative, physical, and technical safeguards to protect your information, no security system can guarantee complete protection against unauthorized access. In the event of a security incident affecting your personal information, we will investigate the incident promptly and provide any notifications required by applicable federal or state law.

Consumer Reporting Authorization

By submitting a financing inquiry or application, you authorize United Capital Funding and its financing partners to obtain, review, and periodically update consumer and commercial credit reports, banking information, public records, identity verification reports, fraud prevention reports, and other information reasonably necessary to evaluate financing opportunities, service existing accounts, or process renewal requests.

This authorization remains effective throughout our business relationship unless otherwise prohibited by law.

Confidentiality of Financial Information

United Capital Funding recognizes that the financial information provided by our customers is highly confidential. We maintain policies and procedures designed to restrict access to confidential information solely to employees, service providers, and funding partners who require such access in connection with providing financing products, servicing accounts, complying with legal obligations, or protecting against fraud.

Employees and contractors with access to sensitive customer information are subject to confidentiality obligations and appropriate security training.

Contact Us

If you have questions regarding this Privacy Policy or our privacy practices, please contact:

United Capital Funding
Customer Support Department
Email: support@unitedcapitalfunding.com
Website: www.unitedcfunding.com
Phone: 877-824-2224
Mailing Address: 1680 Michigan Ave, Suite 700 #110, Miami Beach, FL 33142