Privacy Policy

Capital Source Group, LLC (“Capital Source,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you visit our website, submit an application, enroll in SMS/text messaging, or otherwise interact with us.

Personally Identifiable Information (PII) is information that can identify you on its own or when combined with other information. Please read this Privacy Policy carefully to understand how we handle your information.

Information We Collect

We may collect the following categories of personal information:

• Identifiers & contact information — name, email, phone, mailing address, SSN, ITIN/FEIN, Date of Birth
• Business information — company name, ownership structure, licenses, business history
• Financial information & documents — bank statements, tax returns, financial statements, credit reports, identification cards, payment data
• User Submissions — any documents, files, forms, or data you upload or submit
• Technical information — IP address, browser type, device identifiers, cookies
• Communications — emails, chats, calls, support tickets, SMS/text message history
• Other data you choose to provide (e.g., surveys, reviews, feedback)

When We Collect Information

We collect information:

• When you submit an application or upload supporting documentation
• When you fill out forms, register on our site, subscribe to newsletters, or contact us
• When you enroll in SMS/text messaging or communicate with us by phone
• Automatically via cookies, analytics, and similar technologies

SMS/Text Messaging Data Collection and Use

When you provide your mobile number, opt in to receive text messages, or interact with us via SMS, we may collect:

• Your mobile phone number
• Message content, delivery logs, timestamps
• Opt-in and opt-out confirmation records
• Metadata required for compliance with wireless carriers and The Campaign Registry (TCR)

We use this data to:

• Send updates related to inquiries, applications, underwriting, servicing, or account status
• Send promotional or marketing SMS/text messages (if permitted by law)
• Maintain compliance with A2P 10DLC requirements, recordkeeping, and carrier regulations
• Respond to your messages and support requests

Text Messaging Consent: You provide express consent when you submit your mobile number through our website or forms. Consent is not a condition of receiving products or services.

Opt-Out: You may opt out at any time by replying “STOP” to any text message. You may also reply “HELP” for assistance.

Message frequency varies. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

How We Use Your Information

We may use your information to:

• Evaluate and process applications, conduct underwriting and due diligence
• Share applications with Lending Partners for review, funding, syndication, or participation
• Respond to inquiries and provide customer support
• Improve our website, services, and user experience
• Conduct analytics, research, and AI/ML-based data processing (see below)
• Personalize communications and content
• Detect, investigate, and prevent fraud or security incidents
• Comply with legal and regulatory obligations
• Send sales, marketing, and SMS/text communications (with opt-out rights)

AI and Automated Processing

We may use automated tools, including artificial intelligence (AI) and machine learning (ML), to analyze User Submissions (such as financial documents you upload) to extract data, detect patterns, or generate insights to support our underwriting and operations.

Important notes:

• Final credit and funding decisions are reviewed by human analysts.
• You retain ownership of your uploaded content.
• You may request that your data be excluded from future AI training (not operational use) by emailing info@capital$ourcegroup.com with the subject “AI Training Opt-Out.”
• Opting out of training does not affect our ability to process your data to evaluate your application, ensure security, or comply with law.

How We Protect Your Information

We use administrative, technical, and physical safeguards appropriate to the sensitivity of the data we handle, including:

• Encryption in transit (TLS/SSL) and at rest
• Restricted access to authorized personnel and vetted service providers
• Logging, monitoring, and confidentiality agreements with those who handle your information

We do not store full payment card numbers on our systems. Payment data is processed securely by PCI DSS-compliant providers.

Retention

We retain application data, financial documents, and related information as long as necessary to fulfill the purposes described in this Policy (including legal and regulatory obligations). Data is securely deleted or anonymized when no longer needed.

You may request deletion of your personal data, subject to legal retention requirements, by contacting info@capital$ourcegroup.com.

Cookies

We use cookies and similar technologies to:

• Remember preferences and session state
• Analyze site traffic and usage
• Improve functionality and user experience
• Support advertising and remarketing (if enabled)

You can control cookies through your browser. Disabling cookies may limit some features.

To opt out of Google Analytics: https://tools.google.com/dlpage/gaoptout

Third-Party Disclosure

We may disclose personal information we collect to:

• Service providers and contractors (cloud hosting, analytics, document processing, AI vendors, SMS providers such as Twilio, and The Campaign Registry)
• Professional advisors (auditors, lawyers, insurers)
• Lending Partners (banks, financial institutions, lenders, alternative lenders, financiers, syndicates, and participants)
• Business successors in connection with mergers, acquisitions, financings, or asset transfers

Some of these disclosures—particularly to Lending Partners who may use the information for their own independent purposes—may be considered a “sale” or “sharing” of personal information under the California Consumer Privacy Act (CCPA/CPRA).

You may opt out of the sale or sharing of your personal information by contacting us at info@capital$ourcegroup.com or by using the “Do Not Sell or Share My Personal Information” link where available.

Third-Party Links

Our website may contain links to third-party sites. These sites have separate privacy policies and we are not responsible for their content or practices.

Advertising & Google Services

We may use Google AdSense, Google Analytics, or similar services. Google uses cookies (including the DART cookie) to serve ads based on prior visits. You can opt out via Google Ad Settings or the Network Advertising Initiative Opt-Out.

Children’s Privacy (COPPA)

We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child, contact us and we will delete it.

Data Breach & Fair Information Practices

If a data breach occurs, we will notify affected individuals as required by law. We support your right to seek redress if your data is misused or mishandled.

CAN-SPAM Compliance

We may use your email to:

• Respond to inquiries and send requested information
• Process applications and send updates
• Send marketing communications (you may opt out at any time)

We include unsubscribe links in marketing emails and promptly honor all opt-out requests.

Your Privacy Rights

Depending on your location, you may have the right to:

• Access, correct, or delete your personal information
• Opt out of the sale or sharing of your personal information
• Request limits on the use or disclosure of sensitive personal information
• Opt out of targeted advertising or automated decision-making

To exercise these rights or appeal a decision, email info@capital$ourcegroup.com. We may request information to verify your identity.

Contacting Us

Capital Source Group, LLC
100 N. La Salle St, Suite 720
Chicago, IL 60602, USA
info@capital$ourcegroup.com
(888) 443-3766