Privacy policy.

Who we are

Growth Rate Capital ("Growth Rate Capital," "we," "us," or "our") collects, uses, and shares personal information only as described in this policy. We are a working capital solutions company, not a lender: we help business owners apply for financing that is originated, underwritten, and serviced by independent third-party funding partners.

This policy covers information collected through growthratecapital.com, our online application forms, our social media pages and lead forms (including Facebook and Instagram), and our phone, text, and email communications. By using our website or submitting information to us, you agree to this policy.

Information we collect

We collect information you give us, information from your use of our website, and information from third parties involved in reviewing your request.

• Contact information: name, phone number, email address, and mailing address.
• Business information: legal business name, DBA, business address, entity type, start date, industry, federal tax ID, monthly revenue, and requested funding amount.
• Owner and identity information: date of birth, Social Security number, ownership percentage, and signatures, for each owner or partner listed on an application.
• Financial documents: business bank statements and other documents you upload to support an application.
• Credit information: credit scores and reports obtained from consumer and commercial credit reporting agencies, with your authorization.
• Website and device information: IP address, browser type, pages visited, referring site, and similar data collected through cookies and analytics tools.
• Lead form information: details you submit through forms on social media platforms, such as Facebook and Instagram lead ads.

How we use information

We use your information to review your funding request and match it with suitable funding partners.

• Evaluate your application, verify your identity and business, and check eligibility.
• Present your application to funding partners and help you compare offers.
• Contact you about your application, your account, and funding options.
• Send marketing messages about our products and services, where you have agreed to receive them.
• Improve our website, advertising, and services.
• Prevent fraud, protect our business and customers, and comply with legal obligations.

How we share information

We do not sell your personal information. We share it only in these situations:

• Funding partners: lenders and funders we submit your application to, so they can review, underwrite, and fund it. Each funding partner handles your information under its own privacy policy.
• Credit reporting agencies: to obtain credit reports you have authorized.
• Service providers: companies that help us run our business, such as form and document hosting, CRM and email tools, phone and text messaging providers, and website analytics. They may use your information only to provide services to us.
• Legal and safety reasons: to comply with law, respond to legal requests, enforce our agreements, or prevent fraud.
• Business transfers: as part of a merger, sale, or transfer of our business assets.
• With your consent: in any other case you agree to.

Calls, texts, and email

When you give us your phone number and agree to be contacted, we may call or text you about your application, funding options, and related services, including by automated means. Message frequency varies, and message and data rates may apply. Consent is not a condition of receiving funding.

• Texts: reply STOP to opt out at any time, or HELP for help.
• Email: use the unsubscribe link in any marketing email.
• Calls: ask us to stop calling, and we will add you to our internal do-not-call list.

Mobile numbers and text message opt-in data are never sold or shared with third parties or affiliates for their marketing purposes. Messages about an application you started may continue after a marketing opt-out.

Cookies, advertising, and social media

Our website uses cookies, pixels, and similar tools, including the Meta Pixel and analytics services, to understand how visitors use the site and to measure and improve our ads. You can block or delete cookies in your browser settings, and adjust ad preferences in your Facebook, Instagram, and Google account settings.

If you submit a lead form on Facebook or Instagram, Meta shares the information you enter with us, and we handle it under this policy. Meta's own use of your information is covered by Meta's privacy policy.

Security and retention

We protect your information with administrative, technical, and physical safeguards, including encrypted connections for applications and document uploads. No system is completely secure, so we cannot guarantee absolute security.

We keep personal information only as long as needed to provide our services, meet legal and record-keeping requirements, resolve disputes, and enforce our agreements.

Your choices and rights

You may ask us to access, correct, or delete your personal information, or to stop marketing to you, by contacting us below. Depending on where you live, you may have additional rights under state privacy laws. We will not treat you differently for exercising these rights. We may need to verify your identity first, and we may keep some information where the law requires it.

Children

Our services are for businesses and their adult owners. We do not knowingly collect information from anyone under 18.

Changes to this policy

We may update this policy from time to time. The date at the top shows when it was last updated, and changes take effect when posted.

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