Privacy Policy

2. Information We Collect

We collect the following categories of personal information. Categories marked [Sensitive PI] are treated as "sensitive personal information" under the California Consumer Privacy Act (CCPA/CPRA) and analogous state laws, and you have the right to limit our use and disclosure of those categories as described in Section 8.

• Identifiers — name, email address, phone number, mailing address, IP address, device identifiers, and (during the application process) [Sensitive PI] Social Security number, driver's license number, state ID or passport number, and Employer Identification Number (EIN).
• Business and commercial information — business legal name, DBA, industry, NAICS code, time in business, monthly revenue, bank statements, tax returns, debt schedule, and other underwriting documentation you submit.
• Financial information [Sensitive PI] — bank account and routing numbers, deposit history, log-in credentials supplied to bank-statement aggregators, credit history, prior financing arrangements, and information returned by credit bureaus or verification services.
• Internet and device activity — browser type, pages viewed, referring URL, session duration, approximate geolocation derived from IP address, and information collected through cookies and similar technologies (see our Cookie Policy).
• Communications — content of emails, SMS, chat, or call recordings (where lawful and disclosed), and your communication preferences.
• Inferences — derived signals about your business profile and product fit (for example, the estimated funding amount produced by our calculator).

4. How We Use Your Information

We use the information we collect to:

• Evaluate your application and match you with lenders likely to fund your business.
• Share your application with funding lenders for their underwriting and pricing.
• Verify your identity and the existence and standing of your business, including as required under the Bank Secrecy Act, the USA PATRIOT Act, and applicable customer-identification, anti-money-laundering, and know-your-customer requirements imposed on us or our Funding Lenders.
• Detect, prevent, and respond to fraud, abuse, or security incidents.
• Operate, maintain, secure, and improve our Services.
• Communicate with you about your application, your account, and customer support matters.
• Send you marketing communications about our Services where you have provided required consent (see Section 9).
• Comply with legal obligations, respond to lawful requests, and enforce our Terms of Use.
• Aggregate or de-identify information for analytics, research, and product development.

5. How We Share Your Information

We share personal information with:

• Funding lenders in our network, so they can underwrite your application and present offers. Once you receive an offer, you decide whether to accept; the funding agreement is between you and the lender.
• Service providers we engage to host our infrastructure, process payments, send communications, deliver analytics, prevent fraud, and provide other operational services. These providers are bound by contractual confidentiality and security obligations.
• Identity verification and credit reporting agencies, as needed to verify your identity and pull credit information with consent.
• Professional advisors — our attorneys, accountants, auditors, and insurers — under duty-of-confidentiality protections.
• Government authorities and other third parties, when required by law, subpoena, or other legal process, or to protect our rights, property, or safety, or the rights, property, or safety of others.
• An acquirer or successor in connection with a merger, acquisition, financing, sale of assets, bankruptcy, or similar corporate transaction. We will use reasonable efforts to notify you of any such transaction.

We do not sell your personal information for monetary value. We may "share" personal information with advertising partners for cross-context behavioral advertising as those terms are defined under the California Consumer Privacy Act (CCPA/CPRA); see Section 8 for your opt-out rights.

8. Your Privacy Rights

Depending on where you reside, applicable law — including the California Consumer Privacy Act/CPRA, Virginia CDPA, Colorado CPA, Connecticut CTDPA, Utah UCPA, Texas TDPSA, Oregon OCPA, Iowa ICDPA, Tennessee TIPA, Indiana CDPA, Florida FDBR, Montana MCDPA, Delaware DPDPA, New Jersey DPA, New Hampshire SB 255, Minnesota CDPA, Maryland Online Data Privacy Act, Rhode Island Data Transparency and Privacy Protection Act, Kentucky CPA, and Nebraska Data Privacy Act — may provide you the following rights with respect to your personal information:

• The right to know what personal information we collect about you and to access a copy of that information.
• The right to request deletion of personal information we have collected, subject to legal exceptions.
• The right to correct inaccurate personal information.
• The right to data portability, where applicable.
• The right to opt out of "sales" and "sharing" of your personal information for cross-context behavioral advertising.
• The right to limit the use or disclosure of sensitive personal information (including SSN, driver's license number, financial account log-in credentials, and similar data) to what is reasonably necessary to provide the Services you have requested. To exercise this right, email hello@clearvaluemoney.com with the subject line "Limit Sensitive PI."
• The right to appeal a denial of a privacy rights request, where required by your state's law (Virginia, Colorado, Connecticut, and other states recognize this right).
• The right to opt out of certain automated decision-making and profiling that produces legal or similarly significant effects, where applicable, and to non-discrimination for exercising your privacy rights.

To exercise these rights, email us at hello@clearvaluemoney.com with the subject line "Privacy Rights Request" and a description of the right you are exercising. We will verify your identity before responding. You may use an authorized agent to submit a request on your behalf, subject to verification. We will not discriminate against you for exercising your privacy rights.

California residents may also use the Do Not Sell or Share My Personal Information link in our footer or transmit a Global Privacy Control signal to opt out of "sales" and "sharing" as defined under the CCPA/CPRA.

11. Information Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, alteration, disclosure, or destruction. For more information, see our Security Statement. No method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

17. Contact Us

If you have questions about this Privacy Policy or our privacy practices, or if you would like to exercise any of your rights, please contact us at:

ClearValue Lending
Privacy Office
hello@clearvaluemoney.com