Privacy Policy

1. Scope of This Policy

This Privacy Policy describes the privacy practices of Borrowers Capital LLC (“Borrowers Capital,” “we,” “us” or “our”) in connection with the website located at borrowerscapital.com, our online forms, email, telephone and text-message communications, and financing inquiries submitted to us.

This website is intended for business-purpose real estate financing involving investment or non-owner-occupied properties. It is not intended for consumer-purpose, owner-occupied residential mortgage applications.

2. Information We Collect

The information we collect depends on how you use the website and interact with us.

Information You Provide

We may collect information such as:

• Name, email address, telephone number and mailing address;
• Company name, job title and brokerage information;
• Information identifying whether you are a borrower, broker, loan originator or other industry participant;
• Property address, property type, occupancy, purchase price, estimated value and requested loan amount;
• Information about renovation budgets, construction plans, rental income, expenses and proposed use of proceeds;
• Borrower experience, credit profile, liquidity, ownership structure and investment strategy;
• Entity information and information about guarantors or principals;
• Documents, photographs, financial records and other materials submitted in connection with a financing inquiry;
• Broker compensation requests and transaction-related information;
• Records of communications with us; and
• Any other information you voluntarily provide.

Information Collected Automatically

When you use the website, we and our technology providers may automatically collect:

• Internet Protocol address;
• Browser, device and operating-system information;
• Pages viewed, links selected and time spent on the website;
• Referring website or source;
• Approximate geographic location based on IP address;
• Cookie identifiers and similar technical data; and
• Information used to detect errors, fraud or security threats.

Information From Other Sources

We may receive information from brokers, borrowers, guarantors, property owners, lending or funding partners, service providers, public records, credit-reporting agencies where legally permitted, valuation providers, title companies and other transaction participants.

If you provide information concerning another person, you represent that you are authorized to provide that information for the purposes described in this Policy.

3. How We Use Information

We may use collected information to:

• Respond to questions and financing inquiries;
• Review a property or loan scenario;
• Evaluate potential eligibility for available financing programs;
• Present or submit a transaction to potential originating lenders, funding partners or service providers;
• Obtain information required for due diligence, underwriting, valuation, title review, documentation and closing;
• Communicate about a submitted transaction;
• Provide requested information about our financing programs;
• Maintain business and transaction records;
• Operate, administer and improve the website;
• Measure website performance and marketing effectiveness;
• Prevent fraud, misuse and security incidents;
• Comply with legal, regulatory and contractual requirements;
• Protect our rights and the rights of others; and
• Perform other activities with your consent or as otherwise permitted by law.

4. How We Disclose Information

We may disclose information when reasonably necessary for the financing inquiry or our business operations, including to:

• Correspondent lenders, private lenders, capital providers, originating lenders and funding partners;
• Appraisers, valuation providers, inspectors, title companies, closing agents, attorneys and other transaction professionals;
• Credit-reporting, fraud-prevention and identity-verification providers, where legally permitted;
• Website hosting, form, CRM, email, telecommunications, analytics, security, document-management and other technology providers;
• Professional advisers, accountants, attorneys, insurers and auditors;
• Government agencies, regulators, courts or law-enforcement authorities when required or permitted by law;
• A buyer, successor or other party involved in a merger, reorganization, financing, sale or transfer of all or part of our business; and
• Other parties at your direction or with your consent.

Providing information to Borrowers Capital does not guarantee that financing will be offered or approved.

5. Sale and Use of Personal Information

Borrowers Capital does not sell personal information for money. We also do not knowingly disclose personal information for cross-context behavioral advertising as those terms may be defined under applicable state privacy laws.

We may disclose information to lenders, funding partners and service providers when necessary to evaluate, arrange, process or administer a requested business-purpose financing transaction. These transaction-related disclosures are not made for unrelated third-party marketing.

6. Cookies and Analytics

The website may use cookies, pixels and similar technologies to operate website features, remember preferences, understand website usage, measure performance and maintain security.

You may limit cookies through your browser settings. Disabling certain cookies may affect website functionality. Browser-based “Do Not Track” signals are not uniformly recognized, and our website may not respond to every such signal.

7. Email, Telephone and Text Communications

When you provide contact information, we may use it to respond to your inquiry and communicate about a transaction, requested service or business relationship.

If you separately consent to receive recurring marketing or promotional text messages, your consent is not a condition of obtaining financing or purchasing any service. Message frequency may vary. Message and data rates may apply.

You may reply STOP to a text message to opt out and HELP for assistance. You may also request that we stop marketing calls, texts or emails by contacting us using the information below.

Transactional or legally required communications may continue where permitted by law even after you opt out of promotional communications.

8. Data Security

We use reasonable administrative, technical and physical safeguards designed to protect information against unauthorized access, loss, misuse, alteration or disclosure.

No website, electronic transmission or storage system can be guaranteed to be completely secure. You should not send highly sensitive information through ordinary email unless an appropriate secure transmission method has been provided.

9. Data Retention

We retain information for as long as reasonably necessary to respond to inquiries, evaluate or administer transactions, maintain business records, meet contractual obligations, resolve disputes, enforce agreements and comply with legal or regulatory requirements.

Retention periods vary depending on the nature of the information, the status of the transaction and applicable requirements.

10. Your Privacy Choices

Depending on where you live and subject to applicable exceptions, you may have the right to request access to, correction of or deletion of certain personal information. You may also have the right to receive a copy of certain information or appeal a decision regarding a privacy request.

To submit a request, email info@borrowerscapital.com . We may need to verify your identity and authority before completing the request.

We will not unlawfully discriminate against you for exercising an applicable privacy right.

11. Financial Privacy Notices

Certain information collected in connection with a financial product or service may be subject to additional federal or state financial privacy requirements. If an additional privacy notice applies to your relationship or transaction, that notice may supplement or supersede relevant portions of this website Privacy Policy.

12. Third-Party Websites and Services

The website may contain links to third-party websites or services. Borrowers Capital does not control and is not responsible for the privacy, security or content practices of those third parties. Review their policies before submitting information to them.

13. Children’s Privacy

The website and our services are intended for adults and business users. We do not knowingly collect personal information from children under 13. If we learn that such information has been collected, we will take reasonable steps to delete it.

14. Changes to This Policy

We may update this Privacy Policy periodically. The revised version will be posted on this page with an updated effective date. Material changes may also be communicated through other appropriate methods.

15. Contact Us

Contact us with questions about this Privacy Policy or our privacy practices: