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Privacy Policy

UpThink Capital LLC ("UpThink Capital," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit upthinkcapital.com (the "Website") or submit an application for funding.

By accessing or using our Website, you agree to the terms of this Privacy Policy. If you do not agree with the practices described here, please do not use our Website.

1. Information We Collect

Information you provide directly

When you fill out our funding application or contact form, we may collect:

• Personal identification: first and last name, email address, and phone number.
• Business information: business name, industry, and the funding amount you request.
• Additional details: anything you voluntarily include in the message or details field of our forms.

Information collected during underwriting

If you proceed beyond the initial application, we may request or collect:

• Business financial documents, such as bank statements, tax returns, and profit and loss statements.
• Business registration and legal documents, such as your EIN and articles of incorporation.
• Credit information obtained through soft or hard credit inquiries, only with your explicit consent.

Information collected automatically

When you visit our Website, we may automatically collect technical information, including your IP address and approximate location, browser type and version, operating system, pages visited, time spent on pages, referring website, and device type. This information is collected through cookies, server logs, and similar technologies.

Communications

We keep records of calls, text messages, and emails you exchange with our team.

2. How We Use Your Information

We use the information we collect to:

• Evaluate and process your funding application
• Respond to your inquiries, send application status updates, and provide customer support
• Analyze how our Website is used and improve the user experience
• Comply with applicable laws, regulations, and legal obligations
• Detect, prevent, and address fraud or security issues
• Send important notices about your application or changes to our terms

3. How We Share Your Information

We do not sell your personal information to third parties for marketing purposes. We share your information only in these circumstances:

• Third-party funding partners: if your application is matched with a third-party lender or financial institution, we share the relevant application data with that partner so they can evaluate your application and, if applicable, extend an offer. You will be informed before your information is shared. Once a funding partner receives your information, their own privacy practices govern how they use it, so please review their policies before accepting an offer.
• Service providers: vendors who help us operate our business, such as email delivery, customer relationship management (CRM), online form and application software (such as Fillout), telephony and communications, and hosting providers. These providers are contractually obligated to keep your information confidential and protect it.
• Legal requirements: when required by law, subpoena, court order, or other legal process, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business transfers: in the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified of any such change.

4. Cookies and Tracking Technologies

Our Website uses cookies, which are small text files stored on your device by your web browser, and similar technologies to enhance your browsing experience. We may use:

• Essential cookies: required for the Website to function properly, such as form submission and navigation.
• Analytics cookies: help us understand how visitors interact with the Website so we can improve it.

You can control cookies through your browser settings. Disabling certain cookies may affect Website functionality. We do not currently use third-party advertising cookies or retargeting pixels.

Our Website also loads web fonts from Google Fonts and displays our application form through Fillout. When you visit the page, these providers may receive technical information such as your IP address and browser type. Information you enter into the application form is collected through Fillout and is subject to this Privacy Policy.

5. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information, including:

• Encryption of data in transit (SSL/TLS)
• Secure storage of sensitive documents
• Access controls that limit who within our organization can view your information
• Regular review of our security practices

No method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We keep your personal information only as long as necessary for the purposes described in this policy:

• Active applications: retained while your application is being processed and for a reasonable period afterward.
• Funded accounts: retained for the duration of the funding agreement and as required by applicable laws and regulations.
• Declined or withdrawn applications: may be retained for up to 24 months to facilitate future applications, unless you request earlier deletion.
• Legal requirements: certain data may be retained longer to meet legal, regulatory, tax, or accounting obligations, resolve disputes, and enforce our agreements.

7. Your Rights and Choices

Depending on where you live, you may have the right to:

• Access a copy of the personal information we hold about you
• Correct inaccurate or incomplete information
• Delete your personal information, subject to certain legal exceptions
• Opt out of promotional communications at any time
• Data portability: receive your data in a commonly used, machine-readable format

To exercise these rights, email us at deals@upthinkcapital.com. We will respond within 30 days.

8. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information is collected, used, shared, or sold
• The right to delete personal information we hold about you
• The right to opt out of the sale of personal information (we do not sell your personal information)
• The right to non-discrimination for exercising your CCPA rights

To submit a CCPA request, email deals@upthinkcapital.com with the subject line "CCPA Request."

9. Children's Privacy

Our Website and services are intended for business owners and are not directed to individuals under 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete it promptly.

10. Third-Party Links

Our Website may contain links to third-party websites, including funding partners' sites. We do not control and are not responsible for their content, privacy policies, or practices, and we encourage you to review their policies separately.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. The "Last updated" date at the top of this page shows the most recent revision. Your continued use of the Website after changes are posted means you accept the updated policy.

12. Contact Us

If you have questions, concerns, or requests about this Privacy Policy or our data practices, contact us:

UpThink Capital LLC
24 Ave S
St Louis Park, MN 55426
Email: deals@upthinkcapital.com
Phone: 612-556-1999
Website: upthinkcapital.com