Privacy Policy

At Advanced Capital Solutions (d/b/a Advanced Capital Solutions LLC) we take seriously protecting the privacy of personal information. Advanced Capital Solutions LLC provides this Privacy Policy to its website visitors, users, and businesses that access services provided by or through Advanced Capital Solutions LLC. We encourage you to read this notice to understand our privacy practices.

When you use, access, or interact with an Advanced Capital Solutions LLC website (including all sub-sites) or other interface that links to this Privacy Policy, (collectively, "the Sites") or otherwise apply for or use our business financial products and related services (together with the Sites, the "Services"), you are agreeing to our Privacy Policy and Terms of Use Agreement.

Among other terms, you affirm that you are over the age of eighteen and are fully able to form a binding, legal agreement with Advanced Capital Solutions LLC. Advanced Capital Solutions LLC reserves the right at its sole discretion, to change, modify, add, or remove portions of these terms, at any time. It is your responsibility to check these terms periodically for changes. Your continued use of the Sites following the posting of changes will mean that you accept and agree to the changes.

If you comply with these terms, Advanced Capital Solutions LLC grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Sites.

We are committed to protecting your personal information (i.e., information that identifies an individual, such as a name and email address) and have implemented controls to protect information furnished to us directly, as well as information that we may obtain, with authorization, from third party sources.

This Privacy Policy designed to be accessible to consumers with disabilities and follows the Web Content Accessibility Guidelines – a recognized industry standard. Text elements designed to be accessible and audible through voice assistant programs, such as JAWS, NVDA, and Orca. All graphic elements designed to contain properly descriptive alternate text to assist disabled consumers with audio assist needs.

If you have any questions or complaints regarding our Privacy Policy, or if you need assistance in exercising any privacy choices under this Privacy Policy, please contact us at support@capadvance360.com. You can also send questions or comments to:

Advanced Capital Solutions, LLC., d/b/a Advanced Capital
ATTN: Compliance Department
151 High Avenue
Nyack, NY 10960

As a condition of your use of the Sites, you agree that you will not take any action intended to: (i) access data that is not intended for you; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any customer or user of the Sites; (iii) probe, scan or test the vulnerability of the Sites or the Advanced Capital Solutions LLC network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any user, host or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus to the Sites, overloading, "flooding," "spamming," "mail bombing" or "crashing;" or (v) send unsolicited mail, including promotions and/or advertising of products and services.

Violations of system or network security may result in civil or criminal liability. We take reasonable measures, including administrative, technical, and physical safeguards to protect your information from loss, misuse, unauthorized access, disclosure, alteration, and destruction. These security measures include firewalls, data encryption, physical access controls to our data centers, and information access authorization controls.

In connection with our provision of Services, we collect business information, as well your personal financial information. We collect most of this information during your enrollment and application process. We may gather additional information during your subsequent use of the Sites or when we communicate with you via telephone, email, or other means. As described below, we may collect additional information, with your authorization, from third parties.

Certain personal information must be supplied during the application processes in order to meet our legal obligations, verify your identity, facilitate determinations for credit eligibility, protect against fraud, and complete your transaction. The following categories of information may be collected:

1. Basic user identifying information (for example, your name, account name, address, email, telephone number, and date of birth) or similar identifiers;
2. Basic business information (for example, business name, address, email, website URL, telephone number, company structure, industry type, ownership information, and date of incorporation) or similar identifiers;
3. Full or partial social security number and/or business identification numbers;
4. Annual revenue and sources of revenue; and
5. Financial information (for example, bank statements, credit card statements, average bank balance, and credit score).

We may also collect information that you provide to us about your co-applicant in connection with a joint application. By submitting information about someone other than yourself, you represent that (i) you are authorized to provide us with that person's information for the purposes identified in this Privacy Policy and/or in connection with our Services and (ii) the information provided is true and accurate to the best of your knowledge.

In connection with an application, we will collect information from credit bureaus and other third parties to make determinations for financing eligibility, perform analyses, and assess risks related to your potential financing. If you are approved for financing, we also collect information throughout the life of our business relationship with you in order to assess risks associated with your financing and perform analyses. The following categories of information may be collected for customers:

1. Basic consumer identifying information (for example, your name, account name, address, email, telephone number, and date of birth) or similar identifiers;
2. Basic business information (e.g., business name, address, email, URL, telephone number, company structure, industry type, ownership information, and date of incorporation) or similar identifiers;
3. Credit score, credit history, and other information relating to creditworthiness and identity;
4. Bank account information; and
5. Financial, Tax, and transactional information about your business from third parties such as financial institutions, credit card processors, vendors and service providers, and publicly available sources.

For all users, Advanced Capital Solutions LLC collects information about your visits to the Sites and the computer or device through which you access the Sites, such as your IP address, geographical location, operating system, browser type, referral source, time and length of visit, button clicks and/or page views, and your mobile device identifier (IDFA or AAID).

We use technologies such as but not limited to cookies, beacons, tags, and scripts, to analyze trends, administer the Sites, track users' movements around the Sites, and gather information about our user base. We may receive reports on this activity on an individual and aggregated basis.

We use cookies when you interact with the Sites to keep track of your personal session, help authenticate your account, and detect fraud. Cookies are also used to gather statistical data, such as which pages are frequently visited, and what is downloaded, as well as for marketing and advertising purposes. You can control the use of cookies within your web browser. However, if you reject cookies, your ability to use some features or areas of the Sites may be limited.

We may use the information we collect to:

1. Process your business's application and determine its qualification for financial products;
2. Facilitate servicing and collections activities;
3. Verify your identity, conduct appropriate diligence, and keep your information current;
4. Provide customer support;
5. Understand, personalize, and enhance your experience;
6. Show advertisements for our products and/or offers to you on third party sites;
7. Measure and improve the performance and functionality of the Sites;
8. Manage the security of the Sites; and
9. Compile and generate data analytics reports to better understand you and to improve the user experience.

We will share your personal information with nonaffiliates (companies not related by common ownership or control) and among affiliates (companies related by common ownership or control, including but not limited to the companies covered by this policy) only in the ways that are described in this Privacy Policy. By law, you are permitted to limit some types of sharing, but not others. Advanced Capital Solutions LLC shares your information with third parties as permitted by law, including in the following specific ways:

Co-Applicants / Co-Borrowers. We may share your information with your co-applicant / co-borrower in order to process your business application and as needed to provide our Services.

Third Party Service Providers. We rely on third party service providers to help us conduct our business and marketing activities, such as maintaining our files and records, offering customer service, sending marketing communications, fraud prevention, identity verification, credit checks, collections, and payment processing.

Other Sources of Commercial Financing. In connection with your request for commercial financing, we may share your information with financial institutions, lenders, purchasers of accounts receivable, factoring companies, equipment finance or leasing companies, or other similar sources of commercial financing.

Credit Bureaus. We may share your personal information with credit bureaus to meet our credit reporting obligations.

Your Consent. We may share your personal information with third parties at your direction or whenever you consent.

Legal Requests & Regulatory Requirements. We may also share information to comply with, or to allow investors or potential investors to comply with, any applicable law, regulation, legal process or governmental request; or for the purposes of limiting fraud; or in connection with an audit or the sale of Advanced Capital Solutions LLC to a third party.

Blogs and other public forums. Our Sites offer publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog, community forum, or other social media, contact us by email at support@capadvance360.com.

Testimonials. We display personal testimonials of satisfied customers on our Sites in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, contact us by email at support@capadvance360.com.

You may choose to stop receiving marketing emails by following the unsubscribe instructions included in those emails. You may also request that we do not call you for marketing-related purposes. In addition to following the unsubscribe instruction in relevant email communications, you may make these requests by contacting us at support@capadvance360.com or calling us at (845) 393-1059. We will respond to your request within a reasonable timeframe.

In addition, if you no longer wish to receive marketing notifications through our mobile applications you can adjust your device's privacy preferences by visiting the settings page of the device. Opting out of marketing emails or notifications will not stop your receipt of non-marketing emails and notifications related to our Services.

Effective January 1, 2023, the California Privacy Rights Act ("CPRA") provides specific rights to California residents related to their "personal information," as defined under the CPRA. This section only applies to California residents.

In the past 12 months, we have collected the following categories of personal information about California residents:

• Identifiers (name, address, IP address, SSN, driver's license number)
• Categories of information described in the California Customer Records Statute
• Commercial or transactions information
• Sensory data (audio or similar information)
• Internet or other electronic network activity information
• Professional or employment-related information

Your Rights Under the CPRA

Right to Know/Right to Access. California residents have the right to request that Advanced Capital Solutions LLC disclose what information we have collected, used, disclosed, or sold over the past 12 months.

Right to Delete. California residents have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions.

Right to Opt-Out of Sale or Sharing of Personal Information. Advanced Capital Solutions LLC does not and will not sell or otherwise share personal information of consumers.

Right to Non-Discrimination. We will not discriminate against you for exercising any of your CPRA rights.

How You Can Exercise Your Rights Under CPRA

You or your authorized agent may submit a verifiable consumer request by contacting us by phone at (845) 393-1059 with a brief description of your request. If an authorized representative is acting on your behalf, your representative may also contact us at that number. We will make our best effort to respond within forty-five (45) days of receipt of your request.

By visiting the Sites or using our Services, you accept the practices described in this Privacy Policy. We may update this Privacy Policy from time to time by making available a revised, dated version on the Sites. Your continued use of the Sites shall constitute your acceptance of such updated Privacy Policy. We encourage you to periodically review this page for the latest information on our privacy practices.