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Fundation

Last Updated: December 2024

Applicability

This Privacy Policy applies to Fundation, our website at www.fundation.com (the “Site”), and our Services.

Collection of Information

This Privacy Policy applies to Fundation, our website at www.fundation.com (the “Site”), and our Services. Our Services consist of loans made to businesses and individuals. This Privacy Policy explains how Fundation collects, uses, shares, and protects the personal information of our online visitors and customers. Our services are intended for visitors over age 16, and we do not knowingly collect or solicit information from persons under 16 years of age.

Collection of Personal Information

Fundation and each of its representatives, successors, agents, assigns and designees (“Recipients” and collectively “we”) will collect personal information required to verify your personal and/or business information to qualify you for loans directly funded by Fundation or with active banks, non-depository lenders and other lending sources. We may collect personal information from you when you make an inquiry, contact us, or request or submit an application for a loan. “Personal Information” is information that identifies you, or can be used to identify you, directly or indirectly. We may collect personal information that includes but is not limited to, your financial statements, bank statements, personal and business information, personal and business credit history, social security number, tax ID number, and bank information. We may visit your website, public disclosures, and social media outlets to obtain more information. Personal information requested for applications is required to process your application. You give consent for Fundation and Recipients to request (a) credit report(s) on all persons described in the Terms of Use from one or more consumer and business reporting agencies, such as TransUnion, Experian, and Equifax, and from other credit bureaus, banks, creditors and other third parties. You also authorize Fundation employees or representatives to complete the fields required within our loan application on your behalf, subject to your review. You also consent to the release to us by any creditor, financial institution, or other third party who has done business with you of information relating to any of you, excluding information directly or indirectly taken from personal or business credit reports. Once you have submitted an application, we may reach out to you again for more information.

We may collect your name and email address when you submit a web form, or contact us directly using our Site. We use this information to respond to your inquiries, communicate with you, or for other informational or marketing purposes in accordance with your marketing preferences.

We may also collect indirect information about how you access or use the Site and our services. This indirect personal information may include your computer operating system, browser type, browser language, webpages visited, Internet protocol (IP) address, and other information about your use and actions on our Site. We use this information to analyze, administer, or optimize the Site, and monitor usage to help improve our Site and services.

Security and Information Storage

We take the security of your information very seriously. We use reasonable physical, technical, and organizational measures to protect and secure your personal information. We strive to implement best practices to safeguard your information, but you should understand that no data storage or data transmission process is guaranteed to be 100% secure. Fundation protects your information with 2048-bit Secure Sockets Layer (SSL) encryption. This creates a bank-level encrypted connection when submitting application forms on the Fundation website. All data is securely kept on Amazon Web Service’s servers in the United States.

If you allow Fundation to see your banking information online rather than in paper form, we may record that information on a read-only basis. We do not have access to change, edit, or modify your online banking account information in any way, nor to make any transactions on your behalf.

Use of Information

We may use the information you provide about yourself and/or your business to fulfill your requests for our Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you. We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. We may use your information to improve and personalize the Services and any related services, including future products and services. For example, we may use your information to pre-fill form fields on the sites for your convenience.

Sharing of Information

We may share your information with third-party vendors or service providers to fulfill our legitimate business purposes, such as to extend credit or provide analytic or archival services. We also share your information when required to comply with legal, law enforcement, or government requests. We do not sell or give your information to other third parties.

We may share personal information about you as follows:

To transmit our loan application form, along with any foregoing information obtained in connection with this application, excluding information directly or indirectly taken from personal or business credit reports, to any or all creditors, financial institutions, and other third parties to render the Services;

With academic and non-profit institutions for research purposes, on a de-identified basis;

In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business on a de-identified basis;

To respond to subpoenas, court orders, or legal process;

To investigate, prevent, defend against, or take other action regarding violations of our Terms of Use, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our network, Sites or Services;

To respond to claims that any posting or other content violates the rights of third parties;

In an emergency, to protect the health and safety of our site's users or the general public; or

As otherwise required or permitted by law.

Non-personalized, anonymous data may be aggregated with data from other users, and other data sources may be collected and shared with partners or for marketing purposes.

You authorize Fundation to transmit our loan application form, along with any foregoing information obtained in connection with this application, excluding information directly or indirectly taken from personal or business credit reports, to any or all creditors, financial institutions, and other third parties to render the Services;

We use Charitize, Inc. (“Rightfoot”) to gather your personal information, and/or your company’s financial information, as applicable, from financial institutions associated with you and/or your company (collectively, “Financial Information”). By interacting with the services for which we use Rightfoot, you acknowledge and agree that we may provide information about you and/or your business, as applicable, in order for Rightfoot to access and retrieve such Financial Information.

The terms of Rightfoot’s Privacy Policy govern Rightfoot’s collection, transfer, storage, and use of that information, and you consent to Rightfoot’s Privacy Policy. You also expressly grant Fundation Group LLC and Rightfoot the right, power, and authority to act on your behalf to access and transmit Financial Information from financial institution(s) as reasonably necessary for Rightfoot to provide its services.

You may withdraw your consent to these practices by contacting us at Tel (888) 390-0064 or info@fundation.com; however, depending on your relationship with us, doing so may affect the products and services we provide to you, or our ability to provide such products and services.

Information from Third Parties

We may partner with Third Parties to provide our Site and services. This Site may also contain third-party links from partners or other third parties. We do not control third-party links or sites. You are subject to these third parties’ privacy policies. Please review third-party privacy policies to inform you of how they may use your personal information.

Use of Cookies & Similar Tracking Technologies

We, or third parties, may use cookies (small text files stored on your computer) or similar tracking technologies such as web beacons to help analyze trends on our Site, such as the number of visits to a webpage. Our website stores cookies on your computer. By continuing to use the website you agree to the use of cookies. These cookies are used to carry out or facilitate the transmission of communications over a network; or are necessary to provide an online service (e.g. our website or a service on our website) which you have requested. Cookies allow us to recognize you when you return to our Site. They also help us provide a customized experience and can enable us to detect certain kinds of fraud.

For certain of our Sites, we provide you with the ability to manage cookies that are not strictly necessary to display our website, by clicking on the banner that appears upon first accessing the Site. Many of our websites only place marketing, personalization, and advertising cookies if you explicitly accept these cookies by clicking “Accept All Cookies” when you first visit the website. If you have accepted cookies, you may adjust your preferences by contacting us at info@fundation.com or calling us at (888) 390-0064 .

Telephone and Email Communications

We may provide customers who have registered with us for this purpose to receive telephone calls, ringless voicemails, email alerts, and summaries of their activity as set forth in the Terms of Use and in other agreements with us. We may also allow customers and other persons who have registered with us to subscribe to email newsletters and from time to time may transmit emails promoting Fundation or third-party goods or services. We may also contact you by telephone and send you ringless voicemails if you voluntarily provide us with your telephone number, promoting Fundation or third-party goods or services. Customers and other persons who have registered with us can opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. You may opt out of both telephone and e-mail communications by (1) replying to an e-mail with a message that tells us you wish to opt out of receiving such messages in the future; (2) sending us an e-mail at info@fundation.com; or (3) calling us at (888) 390-0064. Opting out in this manner will not end the transmission of service-related telephone calls and emails, such as email alerts.

Short Message Service (“SMS”) Communications

We may provide customers who have registered with us with SMS alerts regarding our Services. Registered customers can opt out of receiving these SMS alerts by texting the word “STOP” to any message they receive from us. Upon receipt of your “STOP” message, we will send you an SMS message to confirm that you have been unsubscribed. At that point, you will no longer receive any further SMS messages from Fundation.

Changes to Privacy Policy

We reserve the right, at our sole discretion, to make changes to this Privacy Policy from time to time. If we do so, we will provide you with a notification to that effect as required by applicable law. However, we are not required to provide you with notice of all changes; therefore, you should review this Privacy Policy frequently. Consistent with our Terms of Use and applicable law, you agree to accept revised versions of this Privacy Policy on www.fundation.com and agree postings constitute notice to you of the revised version of this Privacy Policy.

Opt-Out

You may request to “Opt-Out” or unsubscribe from promotional or marketing emails by clicking “Unsubscribe” at the bottom of the marketing email, or by contacting us at www.fundation.com. You may continue to receive non-marketing emails even after you have unsubscribed. We must continue to use your personal information to complete any existing services or pending transactions we provide you.

California Privacy Rights (California Residents)

California residents have certain privacy rights provided under the California Consumer Privacy Act (“CCPA”) and other California laws, including:

Right to Request a list or categories of personal information (if any) we have disclosed to third parties (third-party names and addresses) used for direct marketing purposes in the previous 12 months. If you request the list or categories of personal information, please include “California Privacy Rights Request” in the subject line of your email to www.fundation.com along with your California mailing address.

Right to Access/Right to Delete any personal information we have about you. If you request to access or delete any of the personal information we have about you, please email us at www.fundation.com and include “California Privacy Rights Request” in the subject line.

The right not to receive discriminatory treatment for your exercise of these privacy rights will have no adverse effect on your use or pricing of our services.

Right to opt out of the “sale” of your personal information, although we do not sell your personal information.

Certain information may be exempt from requests under California law. When we receive a request, we reserve the right to take steps to verify your identity before responding to a request which may include verifying your name, email address, and other information regarding the use of our service. Additionally, as permitted by applicable law, we may charge a reasonable fee to comply with your request.

Please refer to our California Consumer Privacy Act procedures link for more information about our CCPA policies and your rights concerning your personal information.

Contact Information

If you need to make any requests regarding your personal information we may have, or have any questions regarding this Privacy Policy or our privacy practices, please contact us at:

Fundation Group LLC

11600 Sunrise Valley Drive, Reston, VA 20191

www.fundation.com

(888) 390-0064