Privacy Policy

1. Introduction

Vellford Capital LLC ("Company," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website vellfordcapital.com (the "Website") or submit an application for funding.

By accessing or using our Website, you agree to the terms of this Privacy Policy. If you do not agree with the practices described in this policy, please do not use our Website.

2. Information We Collect

2.1 Information You Provide Directly

When you fill out our funding application or contact form, we may collect:

• Personal Identification: First name, last name, email address, phone number.
• Business Information: Business name, industry, funding amount requested.
• Additional Details: Any information you voluntarily provide in the message or details field of our forms.

2.2 Information Collected During Underwriting

If you proceed beyond the initial application, we may request or collect:

• Business financial documents (bank statements, tax returns, profit & loss statements).
• Business registration and legal documents (EIN, articles of incorporation).
• Credit information obtained through soft or hard credit inquiries (only with your explicit consent).

2.3 Information Collected Automatically

When you visit our Website, we may automatically collect certain technical information, including:

• IP address and approximate geographic location.
• Browser type and version, operating system.
• Pages visited, time spent on pages, referring website.
• Device type (desktop, mobile, tablet).

This information is collected through standard web technologies such as cookies, server logs, and similar technologies.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Process Applications: To evaluate and process your funding application.
• Communicate With You: To respond to your inquiries, send application status updates, and provide customer support.
• Improve Our Services: To analyze how our Website is used and improve user experience.
• Legal Compliance: To comply with applicable laws, regulations, and legal obligations.
• Fraud Prevention: To detect, prevent, and address fraud or security issues.
• Service Notifications: To send important notices about your account or changes to our terms.

4. How We Share Your Information

We do not sell your personal information to third parties for marketing purposes. We may share your information only in the following circumstances:

• Third-Party Lending Partners: If your application is matched with a third-party lender or financial institution, we may share relevant application data with that partner to facilitate your funding. You will be informed before your information is shared.
• Service Providers: We may share information with trusted service providers who assist us in operating our Website, processing applications, or conducting our business (e.g., email delivery services, hosting providers). These providers are contractually obligated to keep your information confidential.
• Legal Requirements: We may disclose information if required by law, court order, governmental authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified of any such change.

5. Cookies & Tracking Technologies

Our Website may use cookies and similar tracking technologies to enhance your browsing experience. Cookies are small text files stored on your device by your web browser.

We may use the following types of cookies:

• Essential Cookies: Required for the Website to function properly (e.g., form submission, navigation).
• Analytics Cookies: Help us understand how visitors interact with our Website so we can improve it.

You can control cookie settings through your browser preferences. Disabling certain cookies may affect the functionality of the Website.

We do not currently use third-party advertising cookies or retargeting pixels.

6. Data Security

We take the security of your personal information seriously and implement reasonable administrative, technical, and physical safeguards to protect it, including:

• Encryption of data in transit (SSL/TLS).
• Secure storage of sensitive documents.
• Access controls limiting who within our organization can view your information.
• Regular review of our security practices.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, including:

• Active Applications: Information is retained while your application is being processed and for a reasonable period afterward.
• Funded Accounts: Information related to funded transactions is retained for the duration of the funding agreement and as required by applicable laws and regulations.
• Declined or Withdrawn Applications: Information may be retained for up to 24 months to facilitate future applications, unless you request earlier deletion.
• Legal Requirements: Certain data may be retained longer to comply with legal, regulatory, tax, or accounting requirements.

8. Your Rights & Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to certain legal exceptions.
• Opt-Out: Opt out of receiving promotional communications from us at any time.
• Data Portability: Request your data in a commonly used, machine-readable format.

To exercise any of these rights, please contact us at info@vellfordcapital.com. We will respond to your request within 30 days.

9. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• The right to know what personal information is collected, used, shared, or sold.
• The right to delete personal information held by us.
• The right to opt out of the sale of personal information. We do not sell your personal information.
• The right to non-discrimination for exercising your CCPA rights.

To submit a CCPA request, contact us at info@vellfordcapital.com with the subject line "CCPA Request."

10. Children's Privacy

Our Website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to delete that information promptly.

11. Third-Party Links

Our Website may contain links to third-party websites that are not operated by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Effective Date" at the top of this page. We encourage you to review this Privacy Policy periodically.

Your continued use of the Website after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Vellford Capital LLC
2460 Gettysburg Ave S
St Louis Park, MN 55426
Email: info@vellfordcapital.com
Phone: (929) 437-8169
Website: vellfordcapital.com