Privacy Policy

1. Information We Collect

Personal Information

We collect personal information that you provide to us, including:

• Name, address, phone number, and email address
• Social Security Number and date of birth
• Business information (name, address, EIN, industry)
• Financial information (bank statements, tax returns, credit reports)
• Employment and income information

Automatically Collected Information

When you visit our website, we automatically collect:

• IP address and device information
• Browser type and version
• Pages visited and time spent on our site
• Referring website information
• Cookies and similar tracking technologies

2. How We Use Your Information

We use your information for the following purposes:

• Processing and evaluating loan applications
• Matching you with appropriate lenders
• Communicating about your application status
• Providing customer support and services
• Complying with legal and regulatory requirements
• Improving our services and website functionality
• Marketing our services (with your consent)

3. Information Sharing and Disclosure

With Lenders

We share your information with potential lenders to facilitate loan applications. This includes:

• Personal and business information
• Financial documents and credit information
• Application details and funding requirements

With Service Providers

We may share information with trusted third-party service providers who assist us in:

• Credit reporting and verification services
• Document processing and storage
• Customer relationship management
• Website hosting and maintenance
• Marketing and communication services

AI Chat and OpenAI API

Our website features an AI chat assistant (also referred to as "FundingGPT") that utilizes artificial intelligence technology provided by OpenAI through their API (Application Programming Interface). When you interact with our AI chat assistant, please be aware of the following:

• Data Transmission to OpenAI: When you use our AI chat assistant, the information you provide, including your messages, questions, responses, and any personal or business information you share during the conversation, is transmitted to OpenAI's servers and processed through their API. This includes your conversation history, context, and any data you input into the chat interface.
• OpenAI's Use of Your Data: OpenAI may use the data you provide through our AI chat assistant in accordance with their own privacy policy and terms of service. This may include using your data to train, improve, or refine their AI models, for research purposes, or for other uses as determined by OpenAI in their sole discretion. We do not control how OpenAI uses, stores, processes, or manages the data you provide through the AI chat assistant.
• No Responsibility for OpenAI's Data Practices: National Funding Partner is not responsible for how OpenAI collects, uses, stores, processes, shares, or manages any data you provide through our AI chat assistant. We do not control OpenAI's privacy practices, data security measures, data retention policies, or how OpenAI may use your information. You should review OpenAI's privacy policy and terms of service to understand how they handle your data.
• Third-Party Service: OpenAI is an independent third-party service provider, and your use of our AI chat assistant constitutes your agreement to OpenAI's terms of service and privacy policy. Any disputes, concerns, or issues regarding how OpenAI handles your data should be directed to OpenAI, not to National Funding Partner.
• Data Sharing: By using our AI chat assistant, you acknowledge and consent to the sharing of your information with OpenAI. This sharing is necessary for the AI chat assistant to function. We cannot provide the AI chat assistant service without transmitting your data to OpenAI's servers.
• Limitation of Liability: To the fullest extent permitted by law, National Funding Partner shall not be liable for any unauthorized access, use, disclosure, loss, or misuse of your data by OpenAI or any issues arising from OpenAI's handling of your data. We disclaim all responsibility and liability for OpenAI's data practices, security measures, privacy policies, or any breaches or incidents involving OpenAI's systems or services.
• Recommendation: We recommend that you do not share highly sensitive information, such as Social Security Numbers, bank account numbers, passwords, or other confidential financial information, through the AI chat assistant. For sensitive matters, please contact our team directly through secure channels.

By using our AI chat assistant, you acknowledge that you have read and understood this disclosure and consent to the transmission of your data to OpenAI and to OpenAI's use of such data in accordance with their own policies and practices. You understand that National Funding Partner is not responsible for how OpenAI manages, uses, or protects your data.

Legal Requirements

We may disclose your information when required by law, court order, or to protect our rights, property, or safety, or that of others.

4. Data Security

We implement appropriate security measures to protect your information:

• SSL encryption for data transmission
• Secure servers and data storage
• Access controls and authentication
• Regular security audits and updates
• Employee training on data protection

5. Your Rights and Choices

Access and Correction

You have the right to:

• Access your personal information we have on file
• Request corrections to inaccurate information
• Update your contact preferences
• Request deletion of your information (subject to legal requirements)

Marketing Communications

You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly.

6. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and advertisements
• Improve website functionality and user experience

You can control cookies through your browser settings. Please see our Cookies Policy for more detailed information.

7. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Generally, we keep application information for 7 years after the completion or termination of services.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

9. State-Specific Rights

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

10. 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 new policy on our website and updating the "Last updated" date.

11. Contact Us

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