Privacy Policy

Overview

This Privacy Policy (“Policy”) applies to data collected by Fidelity Funding Capital, doing business under the Fidelity Funding brand (collectively with their respective subsidiaries and affiliates, “Fidelity Funding,” “Us,” “Our,” or “We”), a provider of business loan products and related services (collectively “Services”).

The Policy has two parts:

• Part 1 provides our U.S. Privacy Policy, including our Privacy Policy for Fidelity-Funding.com (“Website”), which is owned and operated by Fidelity Funding.

This Policy describes how Fidelity Funding collects and uses the personal information you provide (directly or through third parties), or which is automatically generated, when you interact with our Website and our mobile application (“Mobile App”).

Part 2 is our California Supplement, which provides our California Consumer Privacy Act of 2018 (CCPA) Privacy Policy. The CCPA provides various rights to consumers who reside in California with regard to personal information. A natural person, including a business owner or guarantor, is considered to be a consumer under the CCPA. Any terms defined in the CCPA have the same meaning when used in Part 2.

Part 1: Fidelity Funding U.S. Privacy Policy

This Privacy Policy describes the choices available to you regarding our use of your personal information and how you can access and update such information.

For purposes of this Privacy Policy, “Personal Information” means information that personally identifies you, including your contact information, IP address, and loan application information.

A large portion of the Personal Information we collect, use, share, and store is sensitive in nature, including your social security number and financial account information (“Sensitive Personal Information”).

Information We Collect

We collect the following information from you:

• Contact information such as name, business name, email address, mailing address, and phone number
• Financial information such as bank statements, credit card statements, average bank balance, personal and business credit history, payment behavior, bank account information, and tax ID number
• Social Security Number
• Unique identifiers such as username, password, and IP address
• Business information including company size and type
• Beneficial ownership information *

* When required in the U.S., we collect beneficial ownership data solely to verify identity, as mandated by federal regulation.

We may also collect information via site visits, credit agencies, vendors, and social media. Once you are a Fidelity Funding customer, we may reach out for updates when renewing or servicing your loan.

Use of Information

We use the information we collect to:

• Compile, save, use, and analyze your Personal Information
• Operate, maintain, improve, and provide the Service
• Verify identity and conduct diligence
• Register your account and authenticate logins
• Process loan applications and manage payments
• Communicate confirmations, customer support, marketing, and account updates
• Post and review comments on our blog
• Conduct research and create aggregated analytics (“General Information”)

Privacy and Sharing of Information

Fidelity Funding may share your information with affiliates for legitimate business purposes.

We share Personal Information with trusted partners and service providers only as necessary to provide our Services or as required by law.

We do not sell your Personal Information.

Examples include customer support, credit processing, and secure data storage.

You may opt out of certain partner marketing by emailing optout@Fidelity-Funding.com or mailing the address below.

We may also disclose information:

• As required by law or legal process
• To protect rights, safety, or investigate fraud
• In the event of a merger, acquisition, or asset sale
• With your consent

User Access and Choice

To update or delete your Personal Information, email marketing@Fidelity-Funding.com or mail us.

We respond within 30 days.

We retain information as required by law or legitimate business needs.

Opt-Out Policy

To stop receiving marketing communications, follow unsubscribe links, adjust preferences, or contact operations@fidelity-funding.com.

Tracking Technologies / Cookies

We and our partners use cookies and similar technologies for analytics, authentication, and marketing.

You can control cookies via your browser.

Learn more at www.allaboutcookies.org.

Log Files & Behavioral Advertising

We collect log data (IP, browser, ISP, pages, etc.) to improve services.

Third-party advertisers may use cookies for interest-based ads; opt out via their tools if desired.

Security of Information

Fidelity Funding uses 128-bit TLS encryption to protect Sensitive Personal Information.

If you grant read-only bank access, we cannot alter your data.

Questions: marketing@Fidelity-Funding.com

Additional Information

Third-Party Links: Our site links to others with separate privacy policies.

Blog/Forum: Content you post is public; contact optout@Fidelity-Funding.com for removal requests.

Testimonials: Posted with consent; contact us to update or remove.

Social Media Widgets: Interactions governed by the platform’s own policy.

Changes to This Policy

We may update this Policy and will notify you by email or Website notice of material changes.

Contact Information

General Queries:

marketing@Fidelity-Funding.com

Mailing Address:

Fidelity Funding

ATTN: Marketing

107 Tindall Road

Middletown, NJ 07748 USA

Opt-Out Requests:

optout@Fidelity-Funding.com

or mail to the same address above, ATTN: Marketing Opt-Out

For unresolved concerns, contact our third-party dispute provider (free of charge):

• https://feedback-form.truste.com/watchdog/request

Part 2: California Supplement (CCPA Policy)

Information We Collect

We collect the following categories of information:

• Identifiers: name, alias, address, email, account name, SSN/Tax ID, driver’s license, passport, etc.
• Personal Information: contact details, financial data, employment history.
• Protected Classifications: age (DOB).
• Commercial Information: property, credit records.
• Internet Activity: browsing history, device info, interaction data.
• Geolocation Data: used for fraud prevention.
• Audio/Call Recordings: for training and compliance.
• Professional Information: employment or business role.
• Inferences: used for credit and fraud analysis.

Sources include direct applications, client interactions, website activity, and third-party partners.

Use of Information

We use collected data to:

• Operate and improve services
• Verify identity and conduct diligence
• Detect fraud
• Process loan applications and payments
• Communicate updates and marketing
• Conduct research and analytics
• Produce aggregated General Information reports

Sharing Personal Information

We share information with affiliates and service providers only as needed to deliver services and comply with law.

We do not sell Personal Information.

Disclosures may occur for compliance, fraud prevention, or corporate transactions (e.g., merger or sale).

Your Rights and Choices ( California Residents )

Under the CCPA, you have the right to:

• Access your data and request a portable copy.
• Delete your data (subject to legal exceptions).
• Know categories and sources of data collected.
• Opt out of data sharing for marketing purposes.

Non-Discrimination: We will not deny services or alter pricing for exercising your rights.

How to Submit a Request

Call: 212-634-9121

Email: info@Fidelity-Funding.com

Only you (or an authorized representative) may submit a verifiable request.

Include sufficient details to verify identity and describe your request clearly.

We aim to respond within 45 days (extendable to 90 days with notice).

Responses cover the 12-month period preceding the request.

We do not charge a fee unless the request is excessive or repetitive.

Changes to CCPA Privacy Notice

We reserve the right to amend this notice at any time.

Updates will be communicated via email or homepage notification.

End of Policy