Privacy Policy

White Feather Capital (“White Feather Capital,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit https://whitefeathercapital.com, communicate with us, submit an inquiry or application, upload documents, or otherwise use our services.

White Feather Capital is a commercial-financing broker and is not a direct lender. We help businesses provide information to independent third-party financing providers that may evaluate them for available commercial-financing products.

By using our website or submitting information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

Depending on how you interact with us, we may collect the following categories of information.

A. Contact and Identification Information

This may include:

Your name;
Business name;
Business and residential addresses;
Email address;
Telephone number;
Date of birth;
Government-issued identification;
Social Security number or taxpayer identification number, when required;
Employer Identification Number; and
Information about business owners, guarantors, authorized representatives, or other individuals associated with an application.

B. Business and Financial Information

This may include:

Business formation and ownership information;
Industry, time in business, and annual or monthly revenue;
Requested financing amount and intended use of funds;
Bank account and banking information;
Bank statements;
Merchant-processing statements;
Accounts receivable information;
Tax returns;
Profit-and-loss statements;
Balance sheets;
Existing loans, advances, liens, judgments, or financing obligations;
Credit-related information;
Financing applications and agreements; and
Other documents or information needed to evaluate potential financing options.

You should disclose any existing or recently submitted financing applications when requested. This helps us reduce the possibility of submitting the same application to a financing provider that has already received it from you or another broker.

C. Communications

We may collect information contained in:

Emails;
Telephone calls;
Text messages;
Website forms;
Customer-service communications;
Uploaded documents; and
Other communications with our employees, agents, contractors, or service providers.

Where permitted by law and after any required notice or consent, telephone calls may be monitored or recorded for training, quality assurance, compliance, fraud prevention, and recordkeeping.

D. Website and Device Information

When you visit our website, we and our service providers may automatically collect information such as:

Internet Protocol address;
Browser type;
Device type;
Operating system;
Referring website;
Pages viewed;
Dates and times of visits;
Form interactions;
Approximate geographic location derived from an IP address;
Cookie identifiers; and
Website performance and security information.

2. How We Collect Information

We may collect information:

Directly from you;
From your business’s owners, officers, employees, or authorized representatives;
Through website forms and document-upload systems;
During telephone, email, or text communications;
From financing providers, referral partners, brokers, vendors, and service providers;
From credit-reporting agencies or verification services, when legally authorized;
From public records and commercially available databases; and
Automatically through cookies and similar technologies.

Do not submit another person’s personal information unless you are authorized to provide it.

3. How We Use Information

We may use the information we collect to:

Respond to inquiries;
Review financing requests for completeness;
Verify identity, business ownership, revenue, and other application information;
Assess whether an applicant appears to meet participating providers’ preliminary requirements;
Match applicants with potential commercial-financing providers;
Submit authorized applications and supporting documents to one or more financing providers;
Communicate about applications, documents, offers, renewals, or related services;
Request missing or updated information;
Facilitate electronic signatures and document processing;
Prevent duplicate submissions when reasonably possible;
Detect and prevent fraud, identity theft, unauthorized activity, malware, and other security threats;
Maintain business and compliance records;
Improve our website, services, training, and business operations;
Enforce our agreements and policies;
Establish, exercise, or defend legal claims;
Comply with applicable laws, regulations, legal processes, and government requests; and
Perform other purposes disclosed to you when the information is collected.

White Feather Capital does not make final underwriting, approval, pricing, or funding decisions. Those decisions are made independently by the applicable financing provider.

4. Sharing Applications With Financing Providers

When you request assistance obtaining commercial financing and authorize us to proceed, we may share your application and supporting information with one or more independent financing providers, lenders, purchasers of receivables, funders, banks, credit unions, or other commercial-financing sources.

These third parties may:

Evaluate your application;
Verify submitted information;
Obtain business or personal credit reports where legally permitted and authorized;
Contact you about your application;
Request additional documents;
Conduct underwriting;
Determine whether to make an offer; and
Retain information according to their own legal obligations and privacy practices.

Submitting information to White Feather Capital does not guarantee that an application will be submitted to any particular provider, that an offer will be made, or that financing will be approved or funded.

After information is provided to an independent financing provider, that provider’s collection, use, retention, and disclosure of the information may also be governed by its own privacy policy and legal obligations. White Feather Capital does not control the independent privacy practices of third-party financing providers.

5. Other Circumstances in Which We May Disclose Information

We may also disclose information to:

Service Providers

We may use service providers that assist us with:

Website hosting;
Secure document storage;
Customer relationship management;
Email and telephone services;
Electronic signatures;
Identity and business verification;
Credit-report processing;
Analytics;
Cybersecurity;
Malware scanning;
Data backup;
Compliance;
Accounting;
Legal services; and
Other business operations.

Service providers may receive information only as reasonably necessary to perform services for us, subject to applicable contractual and legal requirements.

Referral and Business Partners

When permitted by law and consistent with your request or authorization, we may share information with referral sources, brokers, independent sales organizations, or business partners involved in processing or facilitating your financing inquiry.

Legal and Compliance Disclosures

We may disclose information when we reasonably believe disclosure is necessary to:

Comply with a law, regulation, subpoena, court order, or legal process;
Respond to a government or regulatory request;
Investigate suspected fraud, identity theft, or illegal activity;
Protect our rights, property, users, employees, or the public;
Enforce our agreements; or
Establish, exercise, or defend legal claims.

Business Transactions

Information may be transferred as part of a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or similar corporate transaction, subject to applicable law.

6. Credit Reports and Authorizations

We will not obtain a personal or business credit report unless we have a legally permissible purpose and any authorization required by applicable law.

A financing provider receiving your information may separately request authorization to obtain credit reports, verify bank information, contact references, or perform other underwriting activities.

Any credit authorization should be presented separately from this Privacy Policy when required.

7. Text Messages, Telephone Calls, and Email

When you provide your contact information, we may contact you regarding:

Your inquiry or application;
Missing documents;
Application status;
Potential financing options;
Customer service;
Compliance matters; and
Other communications related to your business relationship with us.

Where legally required, we will obtain appropriate consent before sending automated or marketing telephone calls or text messages.

Consent to receive marketing communications is not a condition of obtaining services unless expressly permitted by law. You may request that marketing text messages stop by replying STOP. You may unsubscribe from marketing emails by using the unsubscribe link in the email or contacting us.

Opting out of marketing communications will not prevent us from sending non-marketing communications concerning an existing application, transaction, security issue, or legal obligation.

Message and data rates may apply. Message frequency may vary.

8. Cookies and Similar Technologies

Our website may use cookies, pixels, analytics tools, and similar technologies to:

Operate website features;
Remember preferences;
Measure website traffic;
Understand how visitors use the website;
Improve performance;
Detect fraud or security threats; and
Support advertising or marketing activities, where applicable.

You may be able to control cookies through your browser settings or a cookie-management tool on our website. Disabling cookies may affect the operation of certain website features.

Our website may use third-party services, such as website analytics, CAPTCHA, advertising, embedded content, or security tools. Those providers may collect information according to their own privacy policies.

Website administrator: list every analytics, CAPTCHA, advertising, and tracking service actually used on the website before publishing this section.

9. Sale and Sharing of Personal Information

White Feather Capital does not sell personal information in exchange for monetary payment.

We may disclose information to financing providers and business partners to process a commercial-financing request, as described in this policy. Depending on the applicable state privacy law and the technologies used on our website, certain advertising, analytics, or partner disclosures could be legally classified as a “sale,” “sharing,” or “targeted advertising,” even when no money is exchanged.

Where applicable law provides a right to opt out of such activities, eligible individuals may submit a request using the contact information below or through any privacy-preference mechanism provided on our website.

We do not knowingly sell or share the personal information of individuals under 18 for targeted advertising.

10. Data Security

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

Depending on the nature of the information and our systems, these measures may include:

Access controls based on job responsibilities;
Password and multifactor-authentication requirements;
Encryption during transmission and, where appropriate, storage;
Secure document-upload and storage systems;
Malware and security screening;
Employee and contractor confidentiality requirements;
Vendor review and oversight;
Data backup;
System monitoring;
Incident-response procedures; and
Secure deletion or destruction procedures.

No website, storage platform, email system, or electronic transmission method is completely secure. Therefore, we cannot guarantee absolute security.

Do not send Social Security numbers, bank statements, identification documents, or other sensitive information through ordinary email or unsecured website fields unless we specifically instruct you to use that method. Use the secure upload method provided by White Feather Capital.

11. Data Retention

We retain information for as long as reasonably necessary to:

Process and service financing inquiries;
Maintain business and transaction records;
Comply with contractual, legal, regulatory, tax, accounting, and reporting obligations;
Prevent fraud and duplicate submissions;
Resolve disputes;
Enforce agreements; and
Protect our legal rights.

Retention periods may vary depending on the type of information, the status of an application, legal requirements, and legitimate business needs.

When information is no longer reasonably required, we may delete, anonymize, or securely destroy it, subject to applicable law and technical limitations associated with backups and archived systems.

12. Your Privacy Rights

Depending on your state of residence and the applicable law, you may have the right to request that we:

Confirm whether we process your personal information;
Provide access to certain personal information;
Correct inaccurate information;
Delete certain information;
Provide a portable copy of certain information;
Limit the use of certain sensitive information;
Opt you out of certain sales, sharing, targeted advertising, or profiling activities; or
Provide information about categories of third parties to which information was disclosed.

These rights are subject to legal exceptions. For example, we may retain information needed to complete a requested transaction, comply with law, detect fraud, maintain security, resolve disputes, or exercise legal rights.

To submit a request, contact us using the information in the “Contact Us” section. We may need to verify your identity and authority before completing a request. Authorized agents may submit requests where permitted by law, but we may require proof of authorization.

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

13. Information Relating to Business Representatives

Many privacy laws provide different or limited rights for information collected in a business-to-business context. Nevertheless, we will handle information about business owners, representatives, guarantors, and contacts as described in this Privacy Policy and as required by applicable law.

14. Children’s Privacy

Our website and services are intended for businesses and adults who are at least 18 years old. They are not directed to children under 13, and we do not knowingly collect personal information from children under 13.

If we learn that we collected personal information from a child under 13 without legally valid authorization, we will take reasonable steps to delete it.

15. Third-Party Websites

Our website may contain links to third-party websites, platforms, or services. We do not control and are not responsible for their privacy, security, content, or business practices.

Review the privacy policies of third parties before providing information to them.

16. Data Breach and Incident Response

If we discover a security incident involving personal information, we will investigate and take responsive measures appropriate to the circumstances.

Where notification is required, we will notify affected individuals, government agencies, regulators, consumer-reporting agencies, or other parties in the manner and within the time required by applicable law.

17. Do Not Track and Browser Privacy Signals

Some browsers transmit “Do Not Track” signals. Because no uniform industry standard currently governs all such signals, our website may not respond to every Do Not Track request.

Where required by applicable law and supported by our systems, we will process recognized browser-based opt-out preference signals, such as Global Privacy Control, as requests to opt out of applicable sales or sharing for the browser or device sending the signal.

18. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, technology, legal obligations, or business operations.

The updated policy will be posted on this page with a revised “Last Updated” date. Material changes may also be communicated through the website or other appropriate methods.

Your continued use of the website after an updated policy becomes effective indicates acknowledgment of the revised policy, to the extent permitted by law.

19. Contact Us

For questions, privacy requests, or concerns about this Privacy Policy, contact:

White Feather Capital LLC
67-110 Burns Street, Forest Hills, NY 11375
Email: kishor@WhiteFeatherCapital.com
Telephone: 929 400 0029
Website: https://whitefeathercapital.com

For security reasons, do not include Social Security numbers, bank account numbers, identification documents, or complete financial records in an ordinary email requesting privacy assistance.