Privacy Policy

CapitalPath ("we," "us," or "our") operates the website at capitalpathai.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site or use our services.

1. Information We Collect

Personal Information You Provide

When you use our services, we may collect information you voluntarily provide, including:

• Name, email address, and phone number
• Business name, industry, and business details
• Financial information such as annual revenue, time in business, and financing needs
• Bank account information when you choose to connect via Plaid
• Any other information you provide through forms or communications

Information Collected Automatically

When you visit our Site, we automatically collect certain information, including:

• IP address, browser type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Device identifiers and usage patterns
• Cookies and similar tracking technologies

Third-Party Services

We use third-party services that may collect information about you:

• Plaid: If you choose to link your bank account, Plaid collects your bank login credentials and transaction data on our behalf. Plaid's use of this data is governed by the Plaid End User Privacy Policy.
• Google Analytics: We use Google Analytics to understand how visitors interact with our Site. Google may collect and process data as described in Google's Privacy Policy.
• LinkedIn Insight Tag: We use LinkedIn tracking to measure the effectiveness of our advertising campaigns.

2. How We Use Your Information

We use the information we collect to:

• Match you with appropriate lenders and financing products
• Process and manage your financing applications
• Communicate with you about our services, including responding to inquiries
• Improve and personalize your experience on our Site
• Analyze usage trends and optimize our Site performance
• Comply with legal obligations and protect our rights

3. How We Share Your Information

We may share your information in the following circumstances:

• Lender partners: We share your business and financial information with lenders in our network to facilitate financing matches. We only share what is necessary for the lender to evaluate your application.
• Service providers: We share information with third-party vendors who help us operate our business (e.g., hosting, analytics, email delivery).
• Legal requirements: We may disclose information when required by law, regulation, or legal process.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

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

4. Data Security

We implement industry-standard security measures to protect your information, including encryption in transit (TLS/SSL), secure cloud infrastructure on AWS, and access controls. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required by law. When your information is no longer needed, we will securely delete or anonymize it.

6. Your Rights and Choices

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

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications
• Withdraw consent for data processing where applicable

To exercise any of these rights, please contact us at e.ankrah@capitalpathai.com.

7. Cookies and Tracking

We use cookies and similar technologies to enhance your experience. These include:

• Essential cookies: Required for the Site to function properly.
• Analytics cookies: Help us understand how visitors use our Site (Google Analytics).
• Advertising cookies: Used to measure the effectiveness of our marketing (LinkedIn Insight Tag).

You can control cookies through your browser settings. Disabling certain cookies may affect your experience on the Site.

8. Children's Privacy

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

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on this page with a revised "Last updated" date. Your continued use of the Site after changes constitutes acceptance of the updated policy.

10. Contact Us

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