Privacy Policy Effective Date: May 16, 2026 Last Updated: May 16, 2026 UBizCap ("UBizCap," "we," "us," or "our"), a subsidiary of Ultimate Business Capital, operates ubizcap.com (the "Site") and provides commercial finance services to business owners seeking working capital. This Privacy Policy explains what information we collect, how we use it, with whom we share it, and the rights you have regarding your information. UBizCap is not a lender. We do not make funding decisions. We collect business information to connect applicants with independent third-party funding sources. 1. Information We Collect A. Information You Provide Directly When you complete the Get Funded form, request a quote, contact us, or otherwise interact with our services, we may collect:
Business contact information: legal business name, DBA, business address, business phone, business email, time in business, industry, entity type, state of formation.
Owner/principal information: name, personal phone, personal email, home address, date of birth, Social Security Number (SSN), and government-issued ID where required for underwriting or identity verification.
Business financial information: Employer Identification Number (EIN), gross monthly revenue, average daily balance, bank statements (typically 3–6 months), tax returns, financial statements, existing debt schedule, and prior advance/loan history.
Credit authorization: when you submit an application, you authorize UBizCap and its funding partners to obtain consumer and business credit reports from credit reporting agencies.
Communications: records of calls, voicemails, SMS/text messages, emails, and chat correspondence between you and UBizCap.
IP address, browser type, device identifiers, operating system, referring URL, pages viewed, time on site, and click activity.
Cookies, pixels, and similar tracking technologies — including the Meta (Facebook) Pixel, Google Analytics, and call-tracking technologies that record and analyze inbound and outbound phone communications for quality assurance, training, and conversion measurement.
C. Information from Third Parties We may receive information about you from:Lead generation partners and marketing platforms (including Meta Lead Ads).
Credit reporting agencies and identity verification services.
Funding partners who report back on application status and funding outcomes.
Public records and business data providers.
2. How We Use Your Information We use the information we collect to:Evaluate applications and connect you with independent third-party funding sources.
Submit your file to funding sources on your behalf.
Communicate with you about your application by phone, SMS, and email.
Verify your identity and prevent fraud.
Comply with applicable laws, including Bank Secrecy Act, OFAC, and anti-money laundering obligations.
Operate, maintain, and improve the Site and our services.
Measure marketing performance and retarget visitors through advertising platforms.
Enforce our Terms of Service and protect our legal rights.
3. How We Share Your Information We share your information with:Independent funding sources, funders, lenders, and capital providers who underwrite and make funding decisions. Once shared, these parties handle your information under their own privacy practices.
Ultimate Business Capital and affiliated entities for internal operations, compliance, and back-office support.
Service providers including CRM systems (Zoho), e-signature platforms, dialer and call-tracking systems, hosting providers, analytics providers, and identity verification vendors.
Marketing and advertising platforms including Meta and Google, for measurement and retargeting.
Credit reporting agencies when you authorize a credit pull.
Legal and regulatory authorities in response to subpoenas, court orders, or other lawful requests, or to protect rights, property, or safety.
Successors in interest in connection with a merger, acquisition, financing, or sale of assets.
We do not sell your personal information for monetary consideration. However, certain sharing for cross-context behavioral advertising (e.g., Meta Pixel, Google Analytics advertising features) may be considered a "sale" or "sharing" under the California Consumer Privacy Act. See Section 7 for your rights.--- 4. Telephone, SMS, and Call Recording Consent By submitting your information through the Site, by calling us, or by responding to our outreach, you expressly consent to receive telephone calls, autodialed calls, prerecorded messages, and SMS/text messages from UBizCap and its funding partners at the phone numbers you provide, including any wireless number, regarding your application and related commercial financing offers. Consent is not a condition of any purchase. Message and data rates may apply. Reply STOP to opt out of SMS at any time. Reply HELP for help. Inbound and outbound calls may be recorded and monitored for quality, training, and compliance purposes. By continuing the call, you consent to such recording. 5. Cookies and Tracking Technologies We use first-party and third-party cookies, pixels, and tags, including:Strictly necessary cookies for Site functionality.
Analytics cookies (Google Analytics) to understand traffic and usage.
Advertising cookies (Meta Pixel, Google Ads) to measure ad performance and retarget visitors.
Call-tracking to attribute inbound calls to marketing sources.
You can disable cookies through your browser settings. You can opt out of Google Analytics at tools.google.com/dlpage/gaoptout and manage Meta ad preferences in your Facebook account settings. Disabling cookies may affect Site functionality. 6. Data Retention We retain your information for as long as necessary to provide services, comply with legal and regulatory obligations (including recordkeeping, anti-money laundering, and tax requirements), resolve disputes, and enforce our agreements. Application files and underwriting records are typically retained for a minimum of seven (7) years. 7. Your Privacy Rights California Residents (CCPA/CPRA) If you are a California resident, you have the right to:Know what categories and specific pieces of personal information we have collected, the sources, the purposes, and the categories of third parties with whom we share it.
Delete personal information we have collected, subject to legal exceptions (including recordkeeping obligations).
Correct inaccurate personal information.
Opt out of the sale or sharing of personal information for cross-context behavioral advertising.
Limit the use of sensitive personal information (including SSN and financial account information) to purposes necessary to provide the requested service.
Non-discrimination for exercising your rights.
To exercise these rights, email info@ubizcap.com with the subject line "California Privacy Request" or call (602) 497-4957. We will verify your identity before responding. You may designate an authorized agent to act on your behalf with written authorization. Categories of personal information collected in the last 12 months: identifiers, customer records, financial information, commercial information, internet/network activity, geolocation, professional/employment information, and inferences drawn from the above. Categories of sensitive personal information: SSN, financial account information, and precise geolocation (where applicable). Sources, purposes, and recipients are described in Sections 1, 2, and 3 above. Other U.S. State Residents If you reside in Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, or another state with applicable privacy laws, you may have rights to access, delete, correct, and opt out of targeted advertising or profiling. Contact us at info@ubizcap.com to exercise these rights. Residents Outside the United States UBizCap's services are intended for businesses located in the United States. If you access the Site from outside the U.S., your information will be transferred to and processed in the United States. 8. Security We use commercially reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. 9. Children's Privacy The Site is not directed to individuals under 18, and we do not knowingly collect information from minors. 10. Changes to This Policy We may update this Privacy Policy from time to time. The "Last Updated" date at the top reflects the most recent revision. Material changes will be posted prominently on the Site. 11. Contact Us UBizCap A subsidiary of Ultimate Business Capital 30 N. Gould St, Ste N Sheridan, WY 82801 Phone: (602) 497-4957 Email: info@ubizcap.com UBizCap is not a lender. All funding decisions are made by independent funders. Funding statistics referenced on the Site reflect aggregate platform performance of the commercial receivables syndication platform on which UBizCap operates. Past performance does not guarantee future results. Not available in all states.