Privacy Policy

Introduction

Thank you for choosing Thrive Funding dba II Capital Partners LLC ("Thrive Funding," "we," "us," or "our"). Your privacy is important to us. This Privacy Policy explains how we collect, use, share, and protect your personal and business information when you visit our website or use our services (collectively, the "Services").

1. Information Collection and Use

1.1 Information You Provide

We collect information that you voluntarily provide through our loan application process, including:

• Business name, address, and contact information
• Tax identification numbers and industry classification
• Personal information of business owners/officers (name, address, phone, email, date of birth)
• Financial information (bank statements, tax returns, accounting records)
• Business performance metrics (revenue, time in business, projections)
• Government-issued identification for verification purposes

1.2 Credit Reports and Financial Information

By submitting an application, you authorize us and our lending partners to obtain credit reports and other financial information about you and your business from credit bureaus and other sources. This information will be used to evaluate your application and may be shared with potential lenders and financial institutions as part of the application process.

1.2.1 Financial Privacy Notice

As a financial company, we are committed to protecting your financial privacy in accordance with the Gramm-Leach-Bliley Act (GLBA). We collect nonpublic personal information about you from:

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others
• Information we receive from credit reporting agencies and other verification services

We restrict access to nonpublic personal information about you to employees, affiliates, and service providers who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

1.3 Automatically Collected Information

Our website automatically collects certain technical information, including:

• IP address and device information
• Browser type and operating system
• Pages visited and time spent
• Referring websites and click patterns

1.4 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and hold certain information. Cookies are files with small amounts of data which may include an anonymous unique identifier. These are sent to your browser from a website and stored on your device.

We use several tracking technologies to improve your experience:

• Meta Pixel: Helps us measure the effectiveness of our advertising, understand user behavior, and improve our marketing campaigns on Facebook and Instagram.
• Google Analytics: Helps us understand how visitors use our website by collecting anonymized and aggregated data about page visits, time spent, and user interactions.
• Other tracking technologies: Our online data partners or vendors may use cookies and similar technologies to associate your website activities with other personal information they have about you, including your email address.

When you visit or log in to our website, these tracking technologies may be used to associate your activities with other personal information they or others have about you, including by association with your email. We (or service providers on our behalf) may then send communications and marketing to these email addresses. You may opt out of receiving this advertising by visiting https://app.retention.com/optout.

You can configure your browser to refuse all cookies or to notify you when a cookie is being sent. However, if you do not accept cookies, some features of our website may not function properly. You can also control your Facebook ad preferences through Facebook's settings.

2. How We Use Your Information

We use your information to:

• Process and evaluate financing applications
• Connect you with potential lenders and financial service providers
• Verify your identity and business information
• Provide customer support and improve our services
• Detect and prevent fraud
• Comply with legal obligations
• Send relevant marketing communications (with your consent)

3. Information Sharing and Disclosure

We may share your information with:

• Lending partners and financial institutions
• Service providers and business partners
• Credit evaluation and identity verification services
• Legal and regulatory authorities when required

4. Data Protection

4.1 Security Measures

We implement appropriate technical and organizational security measures to protect your information in accordance with the Gramm-Leach-Bliley Act (GLBA) and other applicable regulations. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your nonpublic personal information.

Our security measures include:

• Encryption of sensitive data in transit and at rest
• Multi-factor authentication for account access
• Regular security assessments and penetration testing
• Employee training on data security and privacy practices
• Access controls and monitoring of data access
• Incident response and data breach notification procedures

In the event of a data breach that compromises your personal information, we will notify you in accordance with applicable laws and regulations.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

4.2 Data Retention

We retain your application information for a period of seven (7) years from the date of submission or withdrawal, whichever is later. This retention period may be extended if required by law, regulatory requirements, or legitimate business needs.

4.3 State Privacy Rights

As a Florida-based financial institution, we comply with all applicable federal and state privacy laws. While we are headquartered in Florida, we recognize that our customers may come from various states with different privacy requirements. Depending on your state of residence, you may have specific rights regarding your personal information, which may include:

• The right to know what personal information we collect and how it is used
• The right to access or correct your personal information
• The right to request deletion of your personal information where applicable
• The right to opt-out of certain data sharing or marketing communications

As a financial institution, our primary privacy obligations are governed by federal laws such as the Gramm-Leach-Bliley Act (GLBA). We maintain comprehensive privacy practices that meet or exceed requirements across all jurisdictions where we operate. If you have questions about your privacy rights or how we handle your information, please contact us using the information provided in the Contact Us section.

5. Your Rights and Choices

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your information
• Opt-out of marketing communications
• Review our sharing practices

How to Exercise Your Rights

To exercise any of your rights regarding your personal information, including access, correction, or deletion requests, please email us at contact@thrivefunding.com. We will respond to your request within 30 days. We may require specific information from you to help us verify your identity.

Cookie Choices

You can prevent Google Analytics from using your data by installing the Google Analytics Opt-out Browser Add-on (https://tools.google.com/dlpage/gaoptout). You can also configure your browser to refuse all cookies or to notify you when a cookie is being sent. However, if you do not accept cookies, some features of our website may not function properly.

6. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us at: