Effective Date: May 1, 2026
Zolo Capital (“Company,” “we,” “us,” or “our”) operates [Website URL] and provides business financing, commercial loan matching, funding consultation, and related services. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, submit a funding request, communicate with us, or use our services.
By using our website or submitting information to us, you agree to the practices described in this Privacy Policy.
1. Information We Collect
We may collect information directly from you, automatically through our website, and from third-party sources.
A. Information You Provide to Us
When you complete a funding request, contact form, application form, or communicate with us, we may collect:
- Name
- Business name
- Email address
- Phone number
- Business address
- Business type or industry
- Time in business
- Monthly or annual revenue
- Requested funding amount
- Intended use of funds
- Business bank activity or statements, if submitted
- Tax identification information, if required for financing review
- Ownership information
- Credit-related or financial information
- Any documents or information you upload or provide voluntarily
B. Website and Device Information
When you visit our website, we may automatically collect:
- IP address
- Browser type
- Device type
- Operating system
- Referring website
- Pages viewed
- Time spent on pages
- Form interactions
- Click activity
- Cookie and tracking data
- General location derived from IP address
C. Information From Third Parties
We may receive information from:
- Lender partners
- Credit or underwriting service providers
- Business data providers
- Marketing partners
- CRM, analytics, and advertising platforms
- Public business records
- Referral partners
2. How We Use Information
We may use collected information to:
- Review and process commercial financing inquiries
- Match businesses with potential financing options
- Communicate with you about your funding request
- Send application status updates
- Verify business information
- Evaluate eligibility for loan products or funding programs
- Connect you with lenders, brokers, funding partners, or service providers
- Improve our website, marketing, and customer experience
- Detect fraud, unauthorized activity, or misuse of our services
- Comply with legal, regulatory, and contractual obligations
- Maintain business records
- Send marketing communications, where permitted by law
- Measure advertising performance and website analytics
We do not guarantee loan approval, funding availability, specific rates, or financing terms.
3. How We Share Information
We may share your information with the following categories of parties:
A. Lenders and Financing Partners
We may share your information with banks, lenders, alternative financing companies, brokers, underwriters, and funding partners to evaluate your eligibility for commercial financing.
B. Service Providers
We may share information with vendors that help us operate our business, including:
- Website hosting providers
- CRM platforms
- Email and SMS providers
- Analytics providers
- Advertising platforms
- Document management services
- Identity verification services
- Payment or billing vendors
- Customer support tools
C. Referral or Marketing Partners
If you came to us through a referral partner, affiliate, broker, marketplace, or lead source, we may share information with that party as reasonably necessary to track referrals, provide services, or comply with contractual obligations.
D. Legal and Compliance Purposes
We may disclose information when required or permitted by law, including to:
- Respond to subpoenas, court orders, or legal process
- Comply with regulatory requirements
- Protect our rights, property, or safety
- Prevent fraud or unlawful activity
- Enforce our agreements
- Cooperate with government or law enforcement requests
E. Business Transfers
If we are involved in a merger, acquisition, financing, sale of assets, reorganization, bankruptcy, or similar transaction, your information may be transferred as part of that transaction.
4. Cookies, Analytics, and Tracking Technologies
We may use cookies, pixels, tags, session replay tools, analytics scripts, and similar technologies to operate our website, understand visitor behavior, improve performance, and measure marketing campaigns.
These technologies may collect information such as your IP address, browser, device, pages visited, referral source, and interactions with our website.
You may be able to disable cookies through your browser settings. However, some website features may not function properly without cookies.
5. Marketing Communications
We may contact you by email, phone, text message, or other communication methods regarding your funding request, related services, or business financing opportunities.
By submitting your contact information, you authorize us and our partners to contact you regarding business financing products and services, subject to applicable law.
You may opt out of marketing emails by using the unsubscribe link in our emails. You may opt out of SMS messages by replying “STOP,” where applicable. Transactional or service-related messages may still be sent when necessary.
6. Financial Privacy Notice
Because we may collect financial information in connection with commercial financing inquiries, we treat financial and business-sensitive information with care.
We may share nonpublic financial information with lenders, funding partners, service providers, and other third parties as necessary to provide services, process financing requests, prevent fraud, comply with law, and operate our business.
Certain financial privacy laws, including the Gramm-Leach-Bliley Act, may require financial institutions to provide privacy notices and opt-out rights for certain types of information sharing. The FTC describes GLBA as requiring covered financial institutions to explain information-sharing practices and customer opt-out rights for certain disclosures to nonaffiliated third parties.
Where required by law, we will provide applicable notices and honor applicable opt-out rights.
7. Credit and Underwriting Information
Submitting information through our website does not necessarily authorize a hard credit inquiry. However, lenders or financing partners may request additional authorization before conducting credit checks, reviewing bank data, or performing underwriting.
Any credit checks, underwriting reviews, or financing decisions may be governed by the privacy policies, consent forms, and terms of the applicable lender or financing partner.
8. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal and business information from unauthorized access, loss, misuse, alteration, or disclosure.
However, no website, system, transmission, or storage method is completely secure. We cannot guarantee absolute security of information transmitted to or through our website.
9. Data Retention
We retain information for as long as reasonably necessary to:
- Provide services
- Process financing inquiries
- Maintain business records
- Comply with legal and regulatory obligations
- Resolve disputes
- Enforce agreements
- Prevent fraud
- Improve our services
Retention periods may vary depending on the type of information, legal requirements, lender requirements, and business needs.
10. Your Privacy Rights
Depending on where you live and the laws that apply, you may have the right to:
- Request access to personal information we hold about you
- Request correction of inaccurate information
- Request deletion of certain information
- Request a copy of certain information
- Opt out of certain sales or sharing of personal information
- Limit certain uses of sensitive personal information, where applicable
- Opt out of marketing communications
- Not be discriminated against for exercising privacy rights
California residents may have additional rights under the CCPA/CPRA, including rights to know, delete, correct, opt out of sale or sharing, and limit certain sensitive information uses, subject to exceptions.
To exercise privacy rights, contact us at:
Email: [Insert Privacy Email]
Phone: [Insert Phone Number]
Mailing Address: [Insert Business Address]
We may need to verify your identity before processing certain requests.
11. Sale or Sharing of Personal Information
We do not sell personal information for money.
However, some state privacy laws define “sale” or “sharing” broadly and may include certain advertising, analytics, affiliate, referral, or lead-sharing activities. If applicable law treats any of our activities as a “sale” or “sharing,” you may have the right to opt out.
To submit an opt-out request, contact us at:
Email: [Insert Privacy Email]
You may also use browser-based opt-out signals where required by applicable law.
12. Sensitive Information
We may collect sensitive information when necessary to evaluate financing requests, verify identity, detect fraud, or comply with applicable obligations. Sensitive information may include financial account data, tax identification information, ownership information, bank statements, or similar business-sensitive records.
We do not use sensitive information for purposes unrelated to providing financing-related services unless permitted or required by law.
13. Third-Party Websites and Lenders
Our website may link to third-party websites, lenders, marketplaces, service providers, or partner platforms. We are not responsible for the privacy practices, content, or security of third-party websites or services.
When you interact with a lender or third-party provider, their own privacy policy and terms may apply.
14. Children’s Privacy
Our website and services are intended for business users and are not directed to children under 13. We do not knowingly collect personal information from children.
If we learn that we have collected personal information from a child, we will take appropriate steps to delete it.
15. Small Business Lending Data
Certain lenders may be required to collect and report small business lending application data under applicable law, including rules related to Section 1071 of the Dodd-Frank Act and Regulation B. The CFPB states that covered financial institutions may be required to collect and report data on small business credit applications.
If such requirements apply, lenders or financing partners may provide separate notices or requests for information.
16. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make changes, we will update the “Last Updated” date above.
Your continued use of our website after changes are posted means you accept the updated Privacy Policy.
