Capital Funding, Inc. (“Capital Funding,” “we,” “us,” or “our”) is committed to protecting the privacy of our clients, website visitors, and applicants. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit an application, or otherwise interact with our services.
1. Information We Collect
Personal Information You Provide
When you apply for funding, contact us, or use our services, we may collect:
- Identity information: Full name, date of birth, Social Security number (last 4 digits only)
- Contact information: Email address, phone number, mailing address
- Case information: Type of accident, date of incident, attorney name and contact details, case status
- Financial information: Bank account details for fund disbursement (we never store full account numbers after transfer)
- Communication records: Emails, call recordings (with consent), chat transcripts, and form submissions
Information Collected Automatically
When you visit our website, we automatically collect:
- Device data: IP address, browser type, operating system, device identifiers
- Usage data: Pages visited, time spent on pages, referring URL, click patterns
- Location data: General geographic location derived from IP address
- Cookies and tracking technologies: See Section 6 for details
2. How We Use Your Information
We use the information we collect for the following purposes:
- Processing applications: Evaluating your case for funding eligibility and determining advance amounts
- Attorney verification: Contacting your legal representative to verify case details
- Fund disbursement: Transferring approved funds to your designated bank account
- Communication: Responding to inquiries, providing updates on your application, and sending relevant information about our services
- Legal compliance: Meeting regulatory obligations, responding to legal process, and enforcing our agreements
- Service improvement: Analyzing usage patterns to improve our website, application process, and customer experience
- Fraud prevention: Detecting and preventing fraudulent applications and unauthorized access
3. Information Sharing and Disclosure
We do not sell your personal information to third parties. We may share your information with:
- Your attorney: To verify case details and facilitate the funding process
- Service providers: Payment processors, cloud hosting providers, and communication platforms that help us operate our business (bound by confidentiality agreements)
- Legal authorities: When required by law, court order, or government regulation
- Business transfers: In connection with a merger, acquisition, or sale of assets (you would be notified)
We never share your funding status or case information with opposing parties, insurance companies, or any entity involved in your legal dispute.
4. Data Security
We implement industry-standard security measures to protect your personal information:
- 256-bit SSL/TLS encryption for all data in transit
- AES-256 encryption for sensitive data at rest
- Regular security audits and vulnerability assessments
- Role-based access controls limiting employee access to personal data
- Multi-factor authentication for all administrative systems
- Secure, SOC 2-compliant cloud infrastructure
While we take reasonable precautions, no method of electronic storage or transmission is 100% secure. We cannot guarantee absolute security but are committed to protecting your data to the fullest extent possible.
5. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, including:
- Active funding agreements: For the duration of your case plus 7 years after resolution
- Declined applications: 2 years from the date of submission
- Website usage data: 26 months from collection
- Communication records: 5 years from the date of communication
6. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to:
- Essential cookies: Enable core website functionality (session management, security)
- Analytics cookies: Help us understand how visitors interact with our website (via Vercel Analytics)
- Functional cookies: Remember your preferences and settings
We do not use advertising cookies or share browsing data with ad networks. You can control cookies through your browser settings, though disabling essential cookies may affect website functionality.
7. Your Rights
Depending on your state of residence, you may have the following rights:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate personal information
- Deletion: Request deletion of your personal information (subject to legal retention requirements)
- Opt-out: Opt out of marketing communications at any time
- Portability: Request your data in a portable format
- Non-discrimination: We will not discriminate against you for exercising your privacy rights
To exercise any of these rights, contact us at privacy@capitalfunding.com or call 469-217-0046.
8. State-Specific Disclosures
California Residents (CCPA/CPRA)
California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal information we collect, the right to delete, and the right to opt out of the sale of personal information. We do not sell personal information.
Other States
Residents of Virginia, Colorado, Connecticut, Utah, and other states with comprehensive privacy laws may have additional rights. Contact us for state-specific information.
9. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If we learn that we have collected information from a child under 18, we will promptly delete it.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Last updated” date. We encourage you to review this policy periodically. Continued use of our services after changes constitutes acceptance of the updated policy.
12. Contact Us
If you have questions about this Privacy Policy or our data practices, contact us at: