Privacy Policy

Velora Capital LLC (“Velora Capital,” “we,” “us,” or “our”) is a Florida-based business financing brokerage. This Privacy Policy explains what information we collect through veloracapitalgrp.com (the “Site”) and through our funding application process, how we use and share that information, and the choices you have. Please read it alongside our Terms of Service.

1. Who we are

Velora Capital LLC is a business financing brokerage headquartered in Florida. We help business owners identify and apply for working capital and other commercial financing products offered by third-party funding partners. We are not a lender. We do not make credit decisions and we do not guarantee funding. When you apply through us, we act as an intermediary between you and the funding partners we submit your file to.

This Policy applies to information we collect on the Site, by phone, by email, by text message, and through any application or intake form we provide. It does not apply to the privacy practices of funding partners or other third parties, who handle your information under their own policies.

2. Information we collect

a. Information you provide directly

When you contact us, request a quote, or submit a funding application, we collect the information you give us, which typically includes:

• Contact information — your name, business title, email address, mailing address, and phone number (including mobile number).
• Business information — legal and DBA business name, entity type, EIN, industry, date established, business address, ownership structure and percentages, number of employees, monthly and annual revenue, average bank balances, existing debt or advances, and the amount and purpose of the funding you are seeking.
• Communications — the content of emails, text messages, chat messages, web-form submissions, and notes or recordings from calls with your advisor, where recording is permitted by law and disclosed to you.

b. Sensitive information collected for underwriting

Commercial financing applications require information that is more sensitive than ordinary contact details. Depending on the product and the funding partner, we may collect:

• Government identifiers — Social Security number, Individual Taxpayer Identification Number, driver’s license or state ID number, and date of birth for each owner or personal guarantor.
• Financial account information — business bank account and routing numbers, bank statements (commonly the most recent three to six months), processing or merchant statements, tax returns, financial statements, and accounts receivable or payable detail.
• Bank data accessed with your permission — if you choose to connect your bank account through a third-party verification service (for example, a read-only bank-linking provider), that service transmits transaction and balance data to us and to funding partners. Your online banking credentials are entered with that provider and are not stored by Velora Capital.

We collect this information only because it is necessary to evaluate and submit your financing request, and we request it only when a specific product or partner requires it.

c. Information collected automatically

When you visit the Site, we and our analytics providers may automatically collect:

• IP address, approximate location derived from IP address, browser type and version, operating system, and device type;
• pages viewed, time on page, scroll depth, referring URL, exit pages, and the links and buttons you click;
• date and time stamps, and diagnostic or error data;
• identifiers set by cookies and similar technologies, as described in Section 8.

d. Information from third parties

To evaluate your application, we may receive information about you and your business from sources other than you, including:

• Consumer and commercial credit reporting agencies — credit reports, credit scores, tradelines, public records, inquiries, and business credit data from bureaus such as Experian, Equifax, TransUnion, and Dun & Bradstreet. We obtain consumer reports only with your authorization and for the permissible purpose of evaluating a credit transaction you initiated. See our credit authorization and FCRA notice.
• Funding partners — decisions, offers, declines, stipulations, and funding status relating to your application.
• Verification and fraud-prevention services — identity verification, bank account verification, lien and UCC filings, business registration records, and fraud signals.
• Referral sources and marketing partners — where you asked to be connected with us or submitted your information to a partner that referred you, and where that partner represents it obtained your consent to be contacted.

3. How we use your information

We use the information we collect to:

• evaluate your financing request and determine which products and funding partners may fit your business;
• prepare, submit, and follow up on applications with funding partners on your behalf;
• verify your identity, your business, and the accuracy of the information submitted;
• obtain and review credit reports and other underwriting data you have authorized us to pull;
• communicate with you about your application by phone, email, and text message — including status updates, requests for documents, offers, and closing logistics;
• provide customer service and respond to your questions and requests;
• send marketing communications about our services, where permitted and subject to your right to opt out at any time;
• detect, investigate, and prevent fraud, misuse, and unauthorized activity;
• operate, secure, maintain, and improve the Site and our services, including analytics on how the Site is used;
• maintain records, and comply with applicable laws, regulations, subpoenas, audits, and lawful requests from authorities.

4. We do not sell your personal information

Velora Capital does not sell your personal information, and we do not rent or trade it. We do not share your personal information with third parties for their own independent marketing purposes. We share information only as described in Section 6 — principally with the funding partners needed to process the application you asked us to submit, and with service providers acting on our behalf under contract.

5. SMS messaging and consent

By providing your mobile number and opting in, you consent to receive text messages from Velora Capital at that number. These may include application status updates, document requests, offer notifications, appointment reminders, and — where you have separately agreed — promotional messages about our financing services.

Consent to receive text messages is not a condition of applying for, obtaining, or being approved for any financing product or any other purchase. Opting out of text messages will not prevent you from applying — we will simply reach you by phone or email instead. You may also opt out of marketing emails using the unsubscribe link in any such email; we may still send you transactional messages about an application in progress.

6. How we share information

We share your information only as follows:

• Funding partners. This is the core of what we do. To find you an offer, we submit your application and supporting documents — which may include your bank statements, business financials, and personal identifiers of owners and guarantors — to one or more lenders, funders, banks, or financing companies. Each partner reviews the file under its own underwriting criteria and handles your information under its own privacy policy. By submitting an application, you authorize these submissions.
• Service providers. Vendors that perform functions on our behalf, such as web hosting, analytics, CRM and email platforms, text-messaging providers, e-signature services, document storage, identity and bank verification, and telephony. They may access your information only to perform services for us and are contractually restricted from using it for their own purposes.
• Credit reporting agencies. To request reports you have authorized, and to furnish information where required.
• Professional advisors. Attorneys, accountants, auditors, and insurers, under duties of confidentiality.
• Legal and safety. When we believe in good faith that disclosure is required by law, regulation, subpoena, court order, or governmental request, or is necessary to enforce our agreements, investigate suspected fraud, or protect the rights, property, or safety of Velora Capital, our clients, or others.
• Business transfers. In connection with a merger, acquisition, financing, reorganization, or sale of all or part of our assets, subject to the acquirer honoring this Policy for information transferred.
• With your direction. Any other disclosure you ask us to make or agree to.

As stated in Section 4, mobile opt-in data and SMS consent are never shared with third parties or affiliates for marketing or promotional purposes, and are never sold. Within the categories above, they are shared only with the text-messaging providers listed under Service providers, and only as necessary to operate our messaging program. No funding partner, credit reporting agency, or advertising partner receives them.

7. Data retention

We keep your information for as long as needed to fulfill the purposes described in this Policy and to meet our legal, tax, accounting, and recordkeeping obligations. In practice:

• application files, supporting financial documents, and related communications are generally retained for at least five (5) years after the later of your last application or the closing of a funded transaction, consistent with financial-services recordkeeping norms;
• records relating to a funded transaction may be retained longer where a funding partner agreement, applicable law, or an open dispute, audit, or investigation requires it;
• marketing contact records are retained until you opt out and for a reasonable period afterward to honor your suppression request;
• website analytics data is generally retained in aggregated or de-identified form.

When information is no longer needed, we delete it or de-identify it using reasonable measures.

8. Cookies and tracking technologies

The Site uses cookies and similar technologies — small data files stored on your device — to make the Site work, remember your preferences, and understand how the Site is used. The categories we may use are:

• Strictly necessary — required for the Site to function, such as security, load balancing, and form submission.
• Analytics and performance — help us understand traffic, page performance, and which content is useful, typically through third-party analytics providers.
• Functional — remember choices you make, such as fields you have already completed.
• Advertising and conversion measurement — where used, these help us measure the effectiveness of our advertising and reach business owners who may be interested in our services.

Most browsers let you refuse or delete cookies through their settings. Blocking cookies may cause parts of the Site to stop working correctly. Some browsers offer a “Do Not Track” signal; because there is no common industry standard for responding to it, the Site does not currently respond to Do Not Track signals. We do honor recognized opt-out preference signals such as Global Privacy Control where legally required.

9. Security

We maintain administrative, technical, and physical safeguards designed to protect the information we hold. These include encryption of data in transit using TLS, access controls that limit information to personnel who need it to do their jobs, secure document-collection channels for sensitive underwriting materials, vendor due diligence, and periodic review of our practices.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Please do not send Social Security numbers, bank account numbers, or full financial statements by unsecured email or text message — ask your advisor for a secure upload link instead. If you believe your information has been compromised, contact us immediately at support@veloracapitalgrp.com.

10. Your privacy rights

Subject to applicable law and to verification of your identity, you may:

• Access — request a copy of the personal information we hold about you;
• Correct — ask us to fix information that is inaccurate or incomplete;
• Delete — ask us to delete personal information, subject to exceptions where we must retain it for legal, recordkeeping, fraud-prevention, or transaction-completion purposes;
• Opt out of marketing — unsubscribe from marketing email, and reply STOP to end text messages;
• Withdraw consent — withdraw a consent you previously gave, which will not affect processing already carried out;
• Portability — where required by law, receive certain information in a portable format.

To exercise any of these rights, email support@veloracapitalgrp.com or call 845-552-4810. We will respond within the time required by applicable law, generally within 45 days, and will not discriminate against you for exercising a privacy right. We may need to verify your identity before acting, and we may decline a request where an exception applies — in which case we will tell you why.

Note that much of the information in a financing application concerns your business rather than you personally. Business information is generally not covered by consumer privacy laws, though we handle it with the same care.

11. California privacy rights

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (together, the “CCPA”), provides you with additional rights. This section describes them.

Categories of personal information we collect

In the last 12 months, we have collected the following CCPA categories: identifiers (name, address, email, phone, IP address, SSN, driver’s license number); personal information under Cal. Civ. Code § 1798.80 (financial account information, employment and income information); commercial information (products or services requested); internet or network activity (browsing and interaction with the Site); geolocation data (approximate, from IP address); professional or employment-related information (your role in the business); inferences drawn from the above; and sensitive personal information (Social Security number, driver’s license number, and financial account information together with any access credentials required to access the account).

Use of sensitive personal information

We use sensitive personal information only for the purposes permitted under CCPA § 7027(m) — namely, to perform the services you requested, to verify identity, to prevent fraud, and to comply with law. We do not use or disclose sensitive personal information for the purpose of inferring characteristics about you, and we do not use it for advertising.

Sale and sharing

We do not sell personal information, and we do not share it for cross-context behavioral advertising as those terms are defined by the CCPA. We have not sold or shared personal information in the preceding 12 months, and we do not sell or share the personal information of minors under 16.

Your California rights

• the right to know the categories and specific pieces of personal information we have collected, the sources, the business purpose, and the categories of third parties to whom we disclose it;
• the right to delete personal information we collected from you, subject to statutory exceptions;
• the right to correct inaccurate personal information;
• the right to opt out of the sale or sharing of personal information — which we do not do;
• the right to limit the use of sensitive personal information — which we already limit as described above;
• the right not to receive discriminatory treatment for exercising any of these rights.

To submit a request, email support@veloracapitalgrp.com or call 845-552-4810. You may use an authorized agent, who must provide written proof of authorization and whose identity we may also verify. We will confirm receipt within 10 business days and respond within 45 days, with one 45-day extension where reasonably necessary. Residents of other states with comparable privacy laws may exercise equivalent rights available to them by contacting us the same way.

12. Children’s privacy

The Site and our services are directed to business owners and are intended solely for adults. We do not knowingly collect personal information from anyone under 18, and no part of our services is directed to children under 13. If we learn that we have collected information from a child under 13, we will delete it promptly. A parent or guardian who believes a child has provided us information should contact support@veloracapitalgrp.com.

13. Third-party sites and services

The Site may link to third-party websites, including those of funding partners, bank-verification providers, and e-signature platforms. We do not control those sites and are not responsible for their content or privacy practices. Review the privacy policy of any third-party site before providing information to it.

14. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or the law. When we do, we will revise the “Last updated” date at the top of this page and post the new version here. If the changes are material, we will provide additional notice, such as by email or a notice on the Site. Your continued use of the Site or our services after an update takes effect means you accept the revised Policy.

15. Contact us

If you have questions about this Privacy Policy, want to exercise a privacy right, or wish to make a complaint about how we handle your information, contact us: