Privacy Policy | United Capital Funds

1. Overview and Scope

United Capital Funds ("United Capital Funds," the "Company," "we," "our," or "us") delivers business funding solutions to small and mid-sized companies across the United States. Protecting the information entrusted to us is a responsibility we take seriously. This Privacy Policy explains what information we gather when you interact with us online, how that information is used and safeguarded, the circumstances under which it may be shared, and the choices available to you.

Our website located at www.unitedcapitalfunds.com, together with any related sub-domains, mobile applications, and connected online services (collectively, the "Site");
Emails, text messages, and other electronic communications exchanged between you and the Site; and

Unless we state otherwise, this Policy does not extend to information gathered offline or through third-party websites, applications, or services that we do not operate, even if they link to or from the Site. Capitalized terms not defined here carry the meanings given in our Terms of Use.

Please review this Policy carefully. By accessing or using the Site, you acknowledge the practices described below. We may revise this Policy at any time without individual notice, and it is your responsibility to check back periodically for the current version.

2. Information We Collect

Information You Provide to Us. In the course of using the Site, you may supply information that identifies you personally — for example, your name, mailing address, email address, phone number, Social Security number, or similar identifiers ("Personal Information"). We receive Personal Information directly from you when you:

Complete forms on the Site, including registration forms, funding applications, service sign-ups, content submissions, or requests for additional services or support;
Correspond with us by email or other means (we may keep records and copies of that correspondence, including the addresses used);
Respond to surveys or research questionnaires we may circulate;
Complete transactions through the Site, which may involve financial details; or
Run searches within the Site.

Information Collected Automatically. When you browse the Site, certain technical data is captured automatically to help us operate, secure, and improve the Site and to understand how visitors engage with it. This data generally does not identify you on its own and may include:

Your IP address and internet service provider;
The device, browser type, and operating system you use;
The state or country from which you connect;
The date and time of your visit and the referring web page;
The pages you view and the number of links you click while on the Site.

These technologies may also track your online activity over time. If automatically collected data is ever combined with Personal Information — whether collected by us or received from third parties — we treat the combined data as Personal Information under this Policy.

3. How We Use Your Information

We use the information we collect, including Personal Information, for legitimate business purposes such as:

Delivering the information, products, and services you request, responding to your inquiries, and sharing offerings we believe may interest you;
Sending account-related notices, including renewal and expiration reminders;
Operating, supporting, personalizing, and improving the Site and our products and services;
Establishing, maintaining, customizing, and protecting your account with us;
Performing our contractual obligations and exercising our contractual rights, including billing and collections;
Notifying you of updates to the Site or to the products and services we offer;
Contacting you regarding goods, services, events, or news that may be relevant to you;
Enabling your participation in interactive features of the Site;
Processing requests, purchases, transactions, and payments, and detecting and preventing transactional fraud;
Conducting testing, research, analytics, and product development;
Protecting the Company, our users, and the public; preventing fraud and other unlawful activity; and maintaining a secure and trustworthy online environment;
Enforcing this Policy and our Terms of Use;
Meeting our legal and regulatory obligations;
Evaluating or completing a merger, acquisition, restructuring, dissolution, or other transfer of some or all of our assets, in which Personal Information may be among the transferred assets; and
Any other purpose disclosed to you at the time the information is provided.

Aggregated and automatically collected data also helps us estimate audience size and usage trends, remember your preferences so we can tailor the Site to your interests, accelerate your searches, and recognize you on return visits.

4. How We Share Your Information

We may disclose Personal Information in the following circumstances:

Service providers. With vendors that perform functions on our behalf — for example, credit reporting agencies when we obtain a credit report about you, alternative funding sources you identify to us, and providers of customer support, information technology, and related operational services;

Business partners. With partners who work with us in connection with the Site or our products and services;

Affiliates. With our corporate affiliates for administrative, business, and commercial purposes and to support delivery of the Site;

Collections. With collection agencies engaged to recover delinquent balances;

Advertising partners. With third-party advertising platforms that help us promote the Site and our services to prospective customers, including partners that use cookies and similar technologies to deliver interest-based advertising informed by your preferences, location, or interests;

Corporate transactions. In connection with an actual or proposed sale, merger, financing, reorganization, bankruptcy, or other transfer of all or substantially all of the assets of United Capital Funds or any of its business lines, whether to an affiliate or a third party;

Legal compliance and protection. To investigate, prevent, or respond to suspected fraud, illegal activity, violations of our Terms of Use, or threats to any person's rights or safety or to the security of the Site; to defend against legal claims; to address claims that content violates third-party rights; to protect health and safety in an emergency; and to comply with subpoenas, court orders, legal process, or law enforcement requests.

Mobile opt-in data is treated separately: no mobile information will be shared with third parties or affiliates for marketing or promotional purposes, and text messaging originator opt-in data and consent will not be shared with any third parties for marketing purposes.

5. Cookies and Tracking Technologies

A cookie is a small text file, frequently containing a unique identifier, that a website transmits to your browser and stores on your device.

Session and persistent cookies. We deploy session cookies, which expire when you close your browser and make navigating the Site easier, as well as persistent cookies, which remain on your device for a longer period. Persistent cookies allow us to store login credentials so you do not have to re-enter them, and to understand user interests so we can improve the Site experience. You can delete persistent cookies through your browser settings; note that disabling cookies may limit your access to portions of the Site.

Local stored objects. Some Site features may rely on locally stored objects (sometimes called Flash cookies) to remember your preferences and navigation activity. These are managed through settings separate from your standard browser cookie controls.

Web beacons. Pages of the Site and our emails may include web beacons (also known as pixel tags, clear GIFs, or single-pixel GIFs) that allow us to compile statistics — for example, counting page visits or email opens, measuring content popularity, and verifying system and server integrity. Data gathered through these tools may be linked to Personal Information we hold about you.

Analytics. We use Google Analytics to collect data such as IP address, internet service provider, referring page, and browsing behavior in order to analyze Site usage. You may opt out of Google Analytics by installing the browser add-on Google makes available at https://tools.google.com/dlpage/gaoptout.

6. Your Choices and Privacy Rights

You are not required to submit Personal Information to visit the Site. However, withholding Personal Information may prevent us from providing certain services or responding to certain requests — for instance, you may be unable to apply for funding online or access all Site features.

Marketing communications. To stop receiving marketing emails from us, use the "unsubscribe" link in any marketing message or email us at info@unitedcapitalfunds.com with the subject line "Marketing Unsubscribe." This opt-out does not apply to transactional or servicing communications, such as messages related to funding you have negotiated or received or replies to calls you have placed to us.

7. Children's Privacy

The Site is not designed for, or directed to, individuals under 18 years of age, and we do not knowingly collect Personal Information from anyone under 18. If you are under 18, do not use the Site, register an account, make purchases, use interactive or public comment features, or submit any information about yourself — including your name, address, phone number, email address, or any screen name. If we discover that we have collected Personal Information from a person under 18, we will make commercially reasonable efforts to delete it. If you believe we may hold information from or about a child under 18, please contact us at info@unitedcapitalfunds.com.

8. Accessing and Correcting Your Information

If you believe any Personal Information we maintain about you is inaccurate, you may email us at info@unitedcapitalfunds.com to request correction or deletion of information you have provided. We may decline a request if we believe the change would violate a law or legal requirement, render the information incorrect, or materially impair our ability to serve you or to collect an outstanding balance.

9. "Do Not Track" Signals

The Site does not currently respond to "Do Not Track" (DNT) browser signals. If that changes, we will update this Policy to describe how we respond.

10. Data Security

We employ reasonable administrative, technical, and physical safeguards designed to protect Personal Information from loss, theft, misuse, and unauthorized access, disclosure, alteration, or destruction. That said, no security program is impenetrable, and we cannot guarantee that information transmitted to or stored by us will remain free from unauthorized access. Please weigh these inherent risks before submitting Personal Information through the Site; any such submission is at your own risk.

11. Data Retention

We keep Personal Information for as long as reasonably necessary to fulfill the purposes for which it was collected and for the additional business purposes described in this Policy — including security, legal compliance, and dispute resolution — consistent with our internal retention schedules and applicable law.

12. SMS / Text Messaging

By providing your mobile phone number, you consent to receive SMS text messages from United Capital Funds regarding your application, account, and funding options. Message frequency varies. You may opt out of SMS messaging at any time.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
You can cancel the SMS service at any time. Just text "STOP" to 888-611-0425. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at info@unitedcapitalfunds.com or 888-611-0425.
Carriers are not liable for delayed or undelivered messages.
As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive periodic messages about your application status and funding options. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
If you have any questions regarding privacy, please read our privacy policy: Privacy Policy.

13. Changes to This Policy

We may amend this Privacy Policy at our sole discretion and without advance notice, so please revisit it regularly. Current versions of this Policy and our Terms of Use are always accessible through links on the Site. Amendments become effective immediately upon posting, as indicated by the effective date shown at the top of this Policy.

14. Contact Us

Questions about this Privacy Policy may be directed to:

Email: info@unitedcapitalfunds.com

Phone: 888-611-0425

Mailing Address: 101 NE 3rd Ave, Suite 1500, Fort Lauderdale, FL 33301