Privacy Policy

1. Introduction

CruzFi ("Company," "we," "us," or "our") operates the website located at cruzfi.com and related services (collectively, the "Platform"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Platform or use our services. Please read this policy carefully. By using our Platform, you agree to the terms of this Privacy Policy.

2. Information We Collect

We may collect the following categories of personal information:

• Personal Identifiers: Name, email address, phone number, mailing address, Social Security Number (when required for loan applications).
• Business Information: Business name, EIN, business type, industry, annual revenue, years in operation.
• Financial Information: Credit score range, existing debts, monthly revenue, requested loan amount.
• Technical Data: IP address, browser type, device identifiers, usage data, cookies, and analytics data.
• Communications: Emails, form submissions, chat messages, and phone call records.

3. How We Use Your Information

We use collected information to:

• Process and evaluate your funding assessment or loan application
• Match you with appropriate lenders and financial products
• Communicate with you about your application status and funding options
• Provide consulting, credit building, and advisory services
• Send marketing communications (with your consent)
• Improve and personalize our Platform and services
• Comply with legal obligations and prevent fraud
• Enforce our Terms of Service and other agreements

4. Sharing Your Information

We may share your information with:

• Lender Partners: With your consent, we share your information with our network of lenders, financial institutions, and credit programs to facilitate funding matching.
• Service Providers: Third-party vendors who assist with operations, hosting, analytics, email delivery, and customer service.
• Legal Compliance: When required by law, court order, or governmental authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.

We do not sell your personal information to third parties for their own marketing purposes.

5. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to analyze usage patterns, personalize content, and improve our services. You may control cookie settings through your browser. Disabling cookies may affect some Platform functionality. We may use third-party analytics services (such as Google Analytics) that collect usage data on our behalf.

6. Data Security

We implement industry-standard security measures including SSL/TLS encryption, access controls, and secure data storage to protect your information. However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security. You provide information at your own risk.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce agreements. When information is no longer needed, we securely delete or anonymize it.

8. Your Rights — CCPA (California Residents)

If you are a California resident, you have the right to:

• Know what personal information we collect, use, disclose, and sell
• Request deletion of your personal information
• Opt out of the sale of personal information (we do not sell personal data)
• Non-discrimination for exercising your privacy rights

To exercise these rights, contact us at Capital@cruzfi.com.

9. Your Rights — GDPR (EU/UK Residents)

If you are located in the European Union or United Kingdom, you have the right to:

• Access, correct, or delete your personal data
• Object to processing or request restriction of processing
• Data portability
• Withdraw consent at any time
• Lodge a complaint with your local supervisory authority

10. Children's Privacy

Our Platform is not directed to children under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

11. Third-Party Links

Our Platform may contain links to third-party websites. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before providing any information.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on our Platform with an updated effective date. Continued use of our Platform after changes constitutes acceptance of the revised policy.

13. Contact Us

For privacy-related questions or to exercise your rights, contact us at: