GLBA Privacy Notice

Capital Gurus arranges financing for businesses, not for consumers. But a business application almost always carries personal information about the people behind the business: an owner's date of birth, a Social Security number used to check credit, a personal guarantee, a personal address.

The Gramm-Leach-Bliley Act sets out how a financial company handles that kind of information and requires it to say so in plain language. This notice is that statement. It applies to personal information about owners and guarantors; information about the business itself is covered by our privacy policy.

When you apply, and as your file is processed, we collect:

• Identification and contact information: name, business and personal address, email, telephone number, date of birth and Social Security number where a personal credit check or a guarantee is involved.
• Business information: legal name, structure, tax identification number, time in business, industry, revenue.
• Financial information: bank statements and bank account information, including information retrieved with your permission through a bank-linking service; balances and transaction history; existing financing and payment history.
• Credit information: the result of a credit check. Soft credit pull only at application.
• Information from your use of this site and from telephone calls, including call recordings where the call is recorded and you are told so at the start of the call.

To do the thing you asked us to do: take your file, present it to funding providers in our network, and bring their offers back to you. Capital Gurus is not a lender. Rates, fees and terms are set by the funding provider and disclosed in your agreement.

We also use it to verify identity, to prevent fraud, to meet record-keeping and anti-money-laundering obligations, and to respond to lawful requests from courts and regulators.

The funding providers that receive your file are not buying a marketing list: they receive it because you asked us to present it, and they use it to decide whether to make you an offer. Service providers — for example the bank-linking service, document signing, telephone and call-recording systems, and the customer system we run the desk on — receive what they need to perform that service and are bound to use it for nothing else.

We do not sell your personal information for money.

You can tell us to stop using your information to market to you. Call (725) 425-4307 or write to info@capitalgurus.com with the business name and the email address or telephone number you want stopped. Opting out of marketing does not stop us processing an application you have asked us to process, and it does not stop messages about a file that is already in progress.

If you are a California resident, the CCPA notice sets out further rights, including the right to know, the right to delete and the "Do Not Sell or Share" request.

Once you accept an offer, the funding provider becomes responsible for the information you give it, under its own privacy notice. Ask for that notice before you sign.

We maintain an information security program with administrative, technical and physical safeguards designed to protect the information described here, including access controls that limit who at Capital Gurus can see a file, encryption of information in transit, and vendor diligence for the services that touch applicant data.

No system is perfect, and we will not pretend otherwise. If an incident affects your information, we will notify you where the law requires it and as quickly as we reasonably can.

We keep application information for as long as we need it to provide the service, and afterwards for as long as legal, tax and record-keeping obligations require. When a retention period ends, the information is deleted or de-identified.

If this notice changes, the revised version is published here with a new last-updated date. Where a change affects what we share or what you can limit, we will tell applicants directly as well as publishing it.

Call (725) 425-4307 or write to info@capitalgurus.com. The postal address is 1700 S Pavilion Center Dr, Ste 420, Las Vegas, NV 89135.