Privacy Policy

Protecting your privacy is fundamental to the way CAPTECH FINANCIAL, INC. and its subsidiaries and affiliates, as applicable (collectively, “we,” “us,” or “our”) conduct business. This Privacy Statement explains how we may collect, use and disclose your personal information.

This Privacy Policy applies when you access or use www.captechfinancial.com or any other website or application that links to or directly provides this Privacy Policy (collectively, the “Sites”). The Sites are primarily intended to provide information about our business and facilitate communications with us. We do not provide, approve, document, close, service, or administer financial products or services directly through the Sites. Rather, any financial products or services we make available are provided through direct communications with us, including by email, telephone, mail, facsimile, or other agreed means, and through separately executed applications, agreements, schedules, authorizations, and other signed documentation. This Privacy Policy describes how we collect, store, use, share, and protect information about you in connection with the Sites and our business financial products and services. This Privacy Policy also describes your choices regarding certain information we collect about you.

I. The USA Patriot Act

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING FINANCING

To help the government fight the funding of terrorism, money laundering activities, and other financial crimes, applicable federal law may require financial institutions and certain financial services companies to obtain, verify, and record information that identifies persons who obtain financial products or services.

What this means for you: when you obtain a financial product or service offered by us, we may ask for your name, mailing address and other information or documentation, such as a copy of your driver’s license or other identifying documents, to verify your identity and otherwise comply with the applicable federal laws and regulations.

II. Personal Information

In the course of offering and providing our products and services, it is common for us to receive sensitive information from and about our customers, including financial and business information, some of which constitutes personal information. Generally speaking, personal information is any information that can be used, directly or indirectly, to identify, locate or contact someone. Types of personal information include names, physical addresses, mailing addresses, social security numbers, email addresses, phone numbers, bank account numbers and driver’s license numbers.

III. How We Collect Personal Information

Information Provided by You. We collect information you provide to us in connection with our Sites, business communications, applications, proposed transactions, transactions, and related documentation. For example, we may collect User Information and Business Information when you contact us through the Sites, email us, call us, submit information by mail, text, telephone, facsimile, or other agreed means, complete an application, provide diligence materials, or execute agreements, schedules, authorizations, and other documentation. We do not provide financial products or services directly through the Sites, and the submission of information through the Sites does not, by itself, create, approve, or complete any financing, lease, loan, or other transaction.

In connection with an application, proposed transaction, transaction, or servicing relationship, we may, with your direction, authorization, or consent where required, obtain User Information and Business Information from third-party entities that you or your business maintain accounts with, such as financial institutions, service providers, and social networking services.

For example, we may obtain (i) transactional information about your business from financial institutions, (ii) information about your business’s engagement with customers from social networking services, and (iii) information about your business’s sales volume from service providers.

Information We Collect When You Use Our Sites or Open Our Communications. We automatically collect General Information from your computer, mobile device, or other device when you access the Sites, view content about us or our products and services on a third-party website, or open emails or links in emails from us. We, our business partners, or our service providers may use cookies or similar technologies to collect information. Cookies are small text files containing a string of alphanumeric characters. We may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to the Sites. Please review your web browser “Help” file to learn the proper way to modify your cookie settings. Please note that if you delete or choose not to accept cookies from the Sites, some Site features may not function as intended. We also use cookies and similar technologies hosted by third parties on the Sites.

Information Received from Third Parties. In the course of evaluating, documenting, closing, servicing, administering, enforcing, or otherwise managing applications, proposed transactions, transactions, and related business relationships, we may also collect additional Business Information or User Information from third parties, including, but not limited to: financial institutions, referral partners, vendors and equipment suppliers, identity verification services, card networks, mailing list providers, consumer reporting agencies, commercial credit bureaus and associations, fraud prevention agencies, and publicly available sources. We may combine this information with information we already have about you.

IV. How We Use Personal Information

Service-Related Usage. We use the information we collect about and from you, both in a personally identifiable form and in an aggregated or anonymized form, for a number of business purposes, including evaluating, documenting, closing, servicing, administering, enforcing, supporting, promoting, and improving our financial products and services, as well as operating and improving the Sites. Such uses include:

Responding to inquiries and facilitating applications, proposed transactions, transactions, and related documentation;

Facilitating marketing, processing, servicing, and collections activities;
Providing customer support;
Understanding, customizing, and enhancing user experience;
Providing targeted marketing and advertising;
Determining eligibility for financial products or services;
Verifying your identity, conducting appropriate diligence, and keeping your information current;
Establishing or maintaining authorized connections with third-party accounts or platforms, where applicable;
Sending notifications and information regarding inquiries, applications, proposed transactions, transactions, accounts, or other business relationships;
Measuring and improving the performance and functionality of the Sites;
Managing and protecting our information technology infrastructure;
Administering and managing the security of the Sites;
Developing new products and services; and
Compiling, using, researching, analyzing, and generating data analytics reports to better understand our customers and to improve the Services;

Communications. We may communicate with you using the information collected (i) for customer service, (ii) to provide you with updates or information relating to inquiries, applications, proposed transactions, transactions, accounts, our Sites, or our products and services, or (iii) to conduct surveys and collect feedback.

Marketing and Advertising. We may use the information we collect for marketing and advertising purposes, such as providing you with promotional materials that may be useful, relevant, valuable, or otherwise of interest to you. Where required under applicable law, we will obtain your prior opt-in consent to send you electronic marketing communications. To learn more about your choices regarding interest-based advertising and cross-device tracking, please see the Third Party Information Collection section below.

Compliance with Law and Our Own Obligations. We may use the information we collected, to the extent permitted or required under applicable laws (i) to detect and protect against potentially prohibited or illegal activities, including fraud and unauthorized access, (ii) in response to lawful requests for information or legal process, (iii) to establish, exercise, or defend a legal claim, and (iv) to comply with our contractual obligations, our policies, industry standards, and applicable laws.

Other Purposes. We may use the information we collect for other purposes for which we provide notice to you at the time of collection or for which we obtain your consent.

Aggregate Data. We may process your information in an anonymized or aggregated form for purposes other than described above.

Sale or Sharing of Personal Information. We will not sell your personal information to third parties for marketing or other purposes. We do not share mobile opt-in information with third parties or affiliates. Mobile contact details collected through our SMS programs are used exclusively for communication related to your account or services you request.

V. Disclosure of Personal Information

We may disclose personal information to others for many of the same reasons that we use the personal information for our own internal purposes. Below is a description of the third parties to whom we may disclose personal information and the reasons why we may do so.

Service Providers and Contractors: We may disclose personal information to service providers and contractors that perform services for us, including technology, hosting, data security, document preparation, payment processing, credit review, fraud prevention, insurance tracking, collections support, customer service, analytics, mailing, and professional services.
Vendors, Brokers, Referral Sources, and Equipment Suppliers: We may disclose personal information to parties involved in originating, documenting, verifying, funding, closing, servicing, or administering a proposed or existing financing transaction.
Affiliates: We may disclose personal information to our affiliates for transaction processing, servicing, administration, financing, portfolio management, compliance, reporting, and other internal business purposes.
Governmental Authorities, Courts, and Legal Parties: We may disclose personal information when required or permitted by law, legal process, subpoena, court order, governmental request, regulatory inquiry, or to enforce or protect our rights, remedies, property, personnel, customers, systems, and business operations.
Transaction Counterparties: We may disclose personal information in connection with an actual or proposed merger, acquisition, financing, securitization, assignment, sale, transfer, bankruptcy, receivership, reorganization, or other transaction involving all or part of our business, assets, accounts, leases, loans, or financing portfolio.
Funding Sources, Financing Sources, Assignees, Purchasers, Investors, and Their Representatives: We may disclose personal information to parties that provide or evaluate funding, financing, syndication, purchase, assignment, servicing, administration, insurance, or other support for our transactions and portfolio.
Other Parties at Your Direction or With Your Consent: We may disclose personal information to other parties when you direct us to do so, authorize the disclosure, or otherwise consent.
We do not disclose mobile opt-in information or SMS consent data to any third parties or affiliates. This information is used solely to send communications you have expressly agreed to receive.

VI. Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access and disclosure. The use of, and access to, your personal information by us is restricted to employees and contractors who need to know that information to operate the Sites, respond to communications, evaluate applications or proposed transactions, and document, close, service, administer, enforce, or otherwise manage transactions and related business relationships.

We take reasonable measures, including administrative, technical, and physical safeguards to protect your information from loss, misuse, unauthorized access, disclosure, alteration, and destruction. These security measures may include firewalls, data encryption, physical access controls, and information access authorization controls. Information submitted or transmitted through the Sites or by electronic communication may be protected by encryption or other safeguards where available. Unfortunately, the Internet and electronic communications cannot be guaranteed to be 100% secure, and we cannot ensure or warrant the security of information transmitted to or from us.

If you authorize us to access or receive bank account information in connection with an application, proposed transaction, transaction, or servicing relationship, we may have access to information made available through that authorization. Unless expressly authorized, we do not have access to change, edit, or modify your bank account information, and we do not request or retain your banking credentials, such as usernames and passwords. You are responsible for securing and maintaining the privacy of your banking credentials and account information. We are not responsible for protecting information we share with a third party based on an account connection or authorization that you have approved.

VII. Data Retention

We will retain your information for (i) as long as reasonably necessary to respond to communications, evaluate applications or proposed transactions, provide products or services, and document, close, service, administer, enforce, or otherwise manage transactions and related business relationships, (ii) as long as reasonably useful for commercial purposes, or (iii) as long as necessary to comply with applicable laws and internal policies regarding recordkeeping, reporting, audits, and litigation holds. If you wish to request that we no longer use your information, you may contact us at the address or phone number at the bottom of this Privacy Policy. We will nonetheless retain your information to the extent that we deem necessary to comply with our legal or contractual obligations, resolve disputes, administer or enforce transactions, or for other business purposes.

VIII. Children Under 13

The Sites and our products and services are not intended for children under the age of 13. We do not knowingly solicit or market online to children under the age of 13. If we knowingly receive a child’s personally identifiable information, we will promptly delete it from our systems, subject to applicable legal and recordkeeping obligations. Contact us at the address or phone number at the bottom of this Privacy Policy if you believe that we have mistakenly or unintentionally collected information from a child under the age of 13.

IX. Changes to Our Privacy Statement

We will post any changes we make to this Privacy Statement on our website. This Privacy Statement was last updated on June 23, 2026.

X. Contact Information

CAPTECH FINANCIAL, INC. appreciates your business. If you have questions or comments about this Privacy Statement, please call your CAPTECH FINANCIAL, INC. contact or contact us at:

Phone: (435) 268-4700
Website: www.captechfinancial.com
Email: info@captechfinancial.com

Other Important Information

For California Residents: If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, see our California Privacy Notice.

For Vermont residents: In accordance with Vermont law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example with your consent or to service your account. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.