Privacy Policy

1. Information We Collect

1.1 Information You Provide Directly

When you contact or engage with us – whether through an inquiry form, consultation, or active engagement – we may collect information including, but not limited to:

• Business Contact Information: Full name, email address, phone number, legal business name, legal business address
• Business & Financial Information: Tax returns, balance sheets, income statements, accounts receivable/payable aging reports, debt schedules, and ownership structure details
• Personal Information: Date of birth (for business principals), Social Security Number or ITIN, Employer Identification Number (EIN), and driver's license or other government ID (required during funding)
• Professional Background: Resume, employment history, management experience, and industry qualifications relevant to SBA borrower eligibility
• Communication Records: The content of emails, call notes, text messages, and other communications

1.2 Information Collected Automatically

When you access or interact with our website, we and our third-party service providers may automatically collect certain technical data, including:

• Device & Browser Details: Your IP address, browser type, operating system, and screen setup
• Site Activity: Pages you view, how long you stay, links you click, and the site that brought you here
• Cookies & Tracking: Data gathered through cookies and simple tracking tools to help the website run smoothly
• General Location: Your approximate location (like your city or state) based on your IP address, used to check if our services are available in your area

1.3 Information Received from Third Parties

We may also receive details about you or your business from outside sources, including:

• Lenders & Funding Partners: Status updates on loan applications, term sheets, underwriting questions, and approval decisions
• Credit Bureaus & Business Data Services: Business credit reports and soft credit checks (which do not impact your credit score)
• Advisors & Professional Introductions: Contact details provided by your accountant, broker, seller, or advisor when they introduce you to us
• Third-Party Due Diligence: Appraisals, financial reviews, seller records, and related transaction materials
• Public Records: Business registrations, UCC filings, Secretary of State records, and government databases

2. How We Use Your Information

We use the information we collect for the following purposes:

• Evaluate & Match Your Deal: Review your financial profile, build your funding package, and match you with suitable lenders
• Coordinate with Lenders: Share your package with prospective lenders, handle underwriting questions, and help negotiate loan terms
• Structure Financing: Advise on the best funding mix including growth capital, asset-based loans, seller notes, and working capital lines
• Deliver Advisory Services: Prepare financial summaries, business models, and loan breakdowns to support your funding strategy
• Stay in Touch: Answer your questions, share application updates, schedule calls, and send service notifications
• Improve Our Site & Security: Keep our website secure, prevent fraud, verify identities, and improve overall user experience
• Share Insights (Optional): Send market updates, newsletter insights, and helpful tips if you opt in (you can unsubscribe anytime)
• Meet Legal Rules: Comply with applicable state and federal laws, financial regulations, and industry guidelines

3. How We Share Your Information

We do not sell your personal data. We only share your information in the following situations:

• Lenders & Funding Partners: We share your financial profile and deal details with selected lenders in our network so they can review your application and offer financing terms
• Service Providers: We share data with trusted vendors who help us run our business such as website hosting, secure cloud storage, CRM systems, document verification tools, and email platforms. These vendors are required by contract to protect your information and only use it for our specified work
• Professional Advisors: At your request, we may share deal information with your accountant, attorney, business broker, or appraiser to help close your transaction
• Legal & Security Needs: We may disclose your data if required by law, court orders, subpoenas, or to prevent fraud and protect the rights and safety of our company and clients
• Business Transfers: If our firm is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that business deal
• Text Messaging (SMS) Data: Mobile opt-in data and SMS consent will never be sold or shared with any third parties or affiliates for marketing or promotional purposes
• With Your Permission: We may share your information for any other reason if you give us direct consent

4. Phone Calls & Text Messages

4.1 Phone Calls

By providing your phone number and checking the consent box on our forms, you consent to receive calls from Prime Lever Capital regarding your financing inquiry.

Consent is optional. It is not required to apply for or receive financing.

To opt out, tell any caller you wish to be added to our internal Do-Not-Call list, or email us at contact@primelevercapital.com with "DNC Request" in the subject line.

4.2 SMS / Text Messages

We operate an informational text messaging program to provide updates on your application, document requests, underwriting questions, appointment reminders, and responses to your inquiries.

• We do not send promotional advertisements or marketing offers via text message.
• You will only receive text messages if you explicitly check the SMS consent box on our forms or enter your mobile number into our website chat widget. Checking this box is optional and does not affect your application status.
• Message and data rates may apply. Message frequency varies based on your application activity (typically 0–5 messages per application).
• To opt out, reply STOP to any text message to cancel. You will receive one final text confirming your opt-out.
• To get help, reply HELP to any text message or email contact@primelevercapital.com.

Mobile Data Non-Sharing Commitment: Text messaging opt-in data and mobile numbers will never be sold or shared with third parties or affiliates for marketing or promotional purposes. Your consent applies strictly to communications directly from Prime Lever Capital and our technical service providers. Lenders evaluating your application must obtain their own separate SMS consent from you.

4.3 Email Communications

• Transactional Emails: When you submit an inquiry or application, we will send service-related emails (such as application receipts, status updates, and document requests) necessary to fulfill your request.
• Marketing Emails: We only send promotional emails, newsletters, or market updates if you check the separate, optional marketing consent box. You can opt out at any time by clicking the "Unsubscribe" link at the bottom of any marketing email or emailing contact@primelevercapital.com.

5. Cookies & Local Storage Technologies

We use essential cookies and similar local storage technologies on our website to ensure core functionality, site performance, and security.

• Essential & Security Cookies: We use strictly necessary cookies to protect our site against automated bot traffic, malicious attacks, and performance interruptions
• Preference Cookies: We may use basic cookies to remember user preferences (such as your preferred language or region)

We do not use third-party advertising cookies or sell user browsing data to external ad networks. You may disable cookies through your web browser settings; however, doing so may impact overall website performance and security features.

6. Data Security

We implement technical, physical, and administrative safeguards to protect your personal and financial information, including:

• Encryption: Using industry-standard encryption for data both in transit and at rest
• Access Controls: Restricting data access to authorized personnel through multi-factor authentication and role-based permissions
• Ongoing Safeguards: Monitoring systems for threats, conducting regular audits, and minimizing the data we collect and retain
• Vendor Oversight: Ensuring third-party providers meet strict security standards before handling your data

While no electronic storage or internet transmission is 100% secure, we continuously update our practices to safeguard your information.

7. Data Retention

We keep your personal information only as long as needed to provide our services, comply with legal requirements, resolve disputes, and enforce our agreement.

7.1 Automatic Deletion for Incomplete Applications

We believe sensitive business data should not sit in our systems unnecessarily. If you begin an application and do not complete it, your saved progress is stored temporarily so you can resume your request:

• Resume Links: Links sent via email or text to resume an incomplete form are bearer links that expire after 30 days. Anyone with access to the link may view saved responses and masked contact details until expiration.
• Automatic Cleanup: Incomplete application rows are automatically and permanently deleted by a daily system cleanup process 90 days after creation.

Once completed, full application records and associated CRM files transition to our standard 7-year retention schedule to meet legal, tax, and financial regulatory standards.

8. User Privacy Rights

You have the following rights regarding your personal information:

• Access: You can request a copy of the personal data we hold about you
• Correction: You can request that we correct any inaccurate or incomplete data
• Deletion: You can request that we delete your personal data
• Opt-Out: You can opt out of receiving future communications from us by following the unsubscribe instructions included in each email, or by replying "Stop" to any text message to discontinue text message communications

9. How To Exercise Your Rights

• To exercise these rights, you may email us at contact@primelevercapital.com. Use the subject line "Privacy Rights Request" and include your full name, email address, state of residence, and the specific right(s) you wish to exercise.
• To protect your privacy, we will verify your identity before fulfilling your request. This may include confirming information that matches our records or requesting additional identification for sensitive requests.
• We will acknowledge your request within 10 business days and provide a substantive response within 45 days. If additional time is needed for complex requests, we will notify you and may extend the response period by an additional 45 days.

10. State-Specific Privacy Rights

10.1 California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Limit Sensitive Data: You may request that we limit the use of your sensitive personal information (such as SSN or financial credentials) to what is necessary to deliver our advisory services.
• No Automated Decision-Making: All deal evaluations and funding placements are reviewed and conducted by human advisors.
• 12-Month Disclosure: In the preceding 12 months, we have collected identifiers, financial data, and business information strictly to facilitate commercial financing. We do not sell personal data. Browsing data may be processed via essential operational cookies.

10.2 Other U.S. State Residents

If you reside in states with comprehensive privacy laws (including CO, CT, DE, IN, IA, KY, MD, MN, MT, NE, NH, NJ, OR, TN, TX, UT, VA), you have similar rights to access, correct, or delete your personal data, and to opt out of targeted advertising.

To exercise your state privacy rights or appeal a request, contact us at contact@primelevercapital.com.

11. Children’s Privacy

Our services are directed exclusively to business owners and individuals who are at least 18 years old. We do not knowingly collect personal information from minors. If we discover that an individual under 18 has submitted personal data to us, we will promptly delete it.

If you believe we have inadvertently collected information from a minor, please contact us at contact@primelevercapital.com.

12. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices of those sites.

13. Changes To This Privacy Policy

We may update this privacy policy from time to time to reflect the changes in our business practices, applicable law, and regulatory requirements. When we do, we will post the updated Policy on this page and update the "Last Updated" date shown above. We encourage you to review this page periodically.

14. Contact Us

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