Privacy Policy

Introduction

Huge Capital, LLC, including its parents, subsidiaries, and affiliates ("Huge Capital," "we," "our," or "us"), respects the privacy of your information. This Privacy Policy is designed to help you (any individual or business using this website and/or our Services) understand how we collect, use, share, and safeguard your information.

This Privacy Policy applies to individuals who access this website and our mobile-accessible services (collectively, the "Site") and the products and services we provide (collectively, the "Services"). By using our Site or Services, you consent to the terms of this Privacy Policy and to our collection, processing, and sharing of Personal Information for the purposes set forth herein. If you do not agree to this Privacy Policy, do not access or use the Site or Services.

We may revise this Privacy Policy at any time at our sole discretion. Any revisions become effective immediately upon posting.

1. Information We Collect

We collect Personal Information from you through your use of the Site and Services. "Personal Information" means individually identifiable information collected when you seek financing or consultative services on behalf of your business.

Information You Provide:

• Name, email address, telephone number
• Physical address
• Date of birth and Social Security number
• Business name, type, size, industry, ownership information
• Bank statements, credit card statements, average balances
• Personal and business credit history
• Payment behavior and billing details
• Tax identification number
• Beneficial ownership information when required by law

If you choose to use our chat, contact forms, or submit documentation, the information you provide may be collected and stored.

Information as You Navigate Our Site:

• Pages visited, frequency of access, click behavior
• IP address, browser type, operating system
• Mobile carrier and device type
• Location information on a city-regional basis

Third Party Information:

You may provide personal information about a third party. By doing so, you confirm you have authority to submit their information.

Third Party Sources:

• Credit bureaus
• Fraud-prevention systems
• Identity verification providers
• Lead partners, brokers, referral partners

2. How We Use Your Information

• Provide and improve our Services
• Facilitate access to third-party financing options
• Verify identity and conduct required due diligence
• Process business funding requests
• Service accounts and payment authorization
• Communicate status updates and disclosures
• Respond to support requests
• Improve Site functionality and stability
• Investigate suspected fraud or violations
• Enforce this Privacy Policy and Terms of Use
• Conduct internal analytics and reporting
• Produce de-identified, aggregated data summaries

We may use your feedback, surveys, comments, or testimonials to improve our Services.

3. How We Share Your Information

• With third-party lenders, funding partners, and brokers
• With vendors who perform services on our behalf (hosting, data storage, analytics, email delivery)
• With fraud-prevention and identity-verification providers
• With advertising and marketing partners
• As required by law, regulation, subpoena, or authority
• To establish or defend legal rights
• To investigate fraud or threats
• As part of a business sale, merger, acquisition, or restructuring
• With any party you authorize

4. Cookies and Other Tracking Technologies

We use cookies, pixels, and web beacons to:

• Estimate traffic and usage patterns
• Store preferences for future visits
• Present content relevant to your interests
• Resolve performance issues
• Recognize returning users
• Conduct advertising and analytics

Other entities may place cookies on our Site to measure campaign performance or deliver targeted ads.

How You Can Opt Out of Cookies:

Browser settings can block, disable, or delete cookies. Visit: www.aboutcookies.org, www.allaboutcookies.org. Some opt-out choices are device-specific and must be repeated per browser.

5. Opt-Out Preference Signals

We honor valid Global Privacy Control (GPC) signals. If enabled, we will treat it as a request to opt-out of applicable tracking. Do Not Track signals are not uniformly supported; therefore, we may not respond to them.

6. Choices About Your Information

Review and Request Changes: You may request to view or correct certain personal information associated with your account by contacting us.

Marketing Communications: You may unsubscribe using the link in our emails or by contacting support.

Testimonials: We may publish testimonials with your consent. To edit or remove yours, contact us.

7. Nonpublic Personal Information

We handle nonpublic personal information (“NPI”) about individuals, including business owners and guarantors, with care. The following describes our practices.

What We Collect: We collect NPI including information you give us on applications and other forms, such as your name, address, Social Security number, date of birth, income, and assets; information about your transactions with us and others; and information we receive from consumer reporting agencies and verification services.

Why We Share: We share NPI to process and evaluate your financing request, to submit your request to lenders and funding partners, to verify your identity, to prevent fraud, and as otherwise permitted or required by law.

Who We Share With:

• Lenders and funding partners, to evaluate and originate financing you request
• Service providers, who perform functions on our behalf
• Consumer reporting agencies and verification providers, to confirm identity and creditworthiness
• Regulators, law enforcement, and other parties, as required by law

Your Right to Limit Sharing: We do not sell your NPI, and we do not share your NPI with nonaffiliated third parties for their own independent marketing purposes. We share your information with lenders and funding partners only to pursue the financing you have requested, and only as authorized by you.

To ask a question about our information practices, contact us using the information at the end of this Policy.

8. Text Message (SMS) Communications

If you provide your mobile telephone number and consent to be contacted, we may send you text messages relating to your inquiry, your application, and business financing.

How We Obtain Consent: We send marketing text messages only to individuals who have provided express written consent, such as by checking the consent box on a form on this Site. We record the date, time, and source of each consent, along with the consent language presented.

Message Frequency and Cost: Message frequency varies. Message and data rates may apply. We do not charge for text messages; your mobile carrier may.

How to Opt Out: Reply STOP to any text message to be removed from further text messages. Reply HELP for assistance. You may also opt out by contacting us using the information at the end of this Policy. Opted-out numbers are added to a suppression list.

Sharing of Mobile Information: We do not sell or rent your mobile telephone number, and we do not share it with unrelated companies for their own marketing. We do share it with the lenders and funding partners you authorize us to submit your inquiry to, and with the service providers that help us send messages.

When We Send: We do not send marketing text messages before 8:00 a.m. or after 9:00 p.m. in the recipient local time zone.

9. Consumer Reports and Credit Information

With your written authorization, we obtain consumer reports (credit reports) and related information about you and the owners or guarantors of your business.

Permissible Purpose: We request consumer reports only where we have a permissible purpose under the federal Fair Credit Reporting Act (“FCRA”), which in most cases is your written instruction authorizing us to obtain the report in connection with a financing request.

Soft and Hard Inquiries: Where available, we use soft inquiries for initial review, which do not affect your credit score. A hard inquiry, which may affect your score, is made only in connection with an application submitted to a lender.

Sharing With Lenders: Lenders and funding partners to whom we submit your request may obtain their own consumer reports based on the authorization you provide.

Accuracy and Disputes: We do not furnish information to consumer reporting agencies. If you believe information in your consumer report is inaccurate, contact the reporting agency directly. You are entitled to a free copy of your consumer report from each nationwide agency annually at annualcreditreport.com.

Adverse Action: If a financing request is declined based in whole or in part on information in a consumer report, you are entitled to notice identifying the reporting agency and your right to obtain a free copy of the report and dispute its accuracy. Where the lender issues this notice, we will direct you to the lender.

Secure Disposal: Consistent with the FCRA Disposal Rule, we securely destroy records containing consumer report information when they are no longer needed.

10. How Long We Keep Your Information

We keep Personal Information only as long as necessary for the purposes described in this Policy, or longer where required by law. Our general retention practices:

• Applications, supporting documents, and funder correspondence: at least 5 years from the date of application or credit decision
• Records of marketing consent, including the date, time, source, and text of each consent: at least 5 years from the date consent was given or withdrawn
• Opt-out and suppression records: retained indefinitely, so that we do not contact you again
• Consumer report information: retained only as long as needed for the transaction, then securely destroyed in accordance with the FCRA Disposal Rule
• Financial, tax, and accounting records: 7 years
• Website analytics and log data: generally 24 months or less

Where information is no longer needed, we delete it or de-identify it. We may retain information longer where necessary to comply with legal obligations, resolve disputes, or enforce our agreements.

11. Security

We maintain administrative, technical, and physical safeguards designed to protect Personal Information against unauthorized access, disclosure, alteration, and destruction. These include role-based access controls limiting information to personnel with a business need, two-factor authentication on systems that store confidential consumer information, encryption of sensitive information in transit and at rest, and secure disposal of records containing consumer report information.

We do not have access to your online banking credentials. Where you connect a bank account for verification, access is read-only and used solely to verify account activity.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security. If you believe your information has been compromised, contact us immediately using the information at the end of this Policy.

12. Third-Party Links

External websites linked from our Site operate independently. We are not responsible for third-party privacy practices.

13. Children's Privacy

Our Services are not intended for individuals under 18. We do not knowingly collect information from children. If discovered, we will delete it.

14. Notice to Nevada Residents

Nevada residents may opt out of certain future data sales. We do not currently sell personal information as defined by Nevada law. Opt-out requests can be submitted to [email protected].

15. Notice to California Residents (CCPA/CPRA)

California residents have specific rights:

• Right to know what we collected
• Right to delete information (subject to legal exceptions)
• Right to correct inaccurate data
• Right to opt out of sale or sharing
• Right to limit use of sensitive information
• Right to non-discrimination

We do not knowingly sell or share information of consumers under age 16.

How to Submit Requests: Email: [email protected]. We may ask you to verify: Full name, Last four digits of SSN, Date of birth, Business name. If acting on behalf of another resident, additional verification is required.

16. Accessibility

To request this Privacy Policy in an alternative format, contact us using the information below.

17. How to Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, reach out using the information below.