Privacy Policy

FundingGal ("FundingGal," "we," "us," or "our") respects your privacy. This Privacy Policy explains what information we collect when you use fundinggal.com or apply for funding through us, how we use and protect that information, and the choices you have.

1. Information We Collect

When you visit our site or submit an application, we may collect:

• Identity & contact details: full name, email address, phone number, business name, and business address.
• Business information: industry, time in business, ownership details, and estimated monthly revenue.
• Financial information: business bank statements (typically the last 3 months), processor statements, and read-only banking data you choose to share via our verification partner (e.g., Plaid). We do not see, store, or have access to your online banking username or password.
• Technical data: device type, browser, IP address, pages visited, and basic analytics needed to operate the site securely.

2. Why We Collect It

We use this information solely to:

• Determine your business's eligibility for a Merchant Cash Advance / revenue-based capital advance.
• Verify identity, business ownership, and revenue history.
• Generate and present preliminary funding offers and Factor Rate / Purchase Price terms.
• Communicate with you about your application, documentation, and offers.
• Comply with applicable laws, prevent fraud, and protect the security of our platform.

We do not sell your personal information to third parties. We do not share your information for third-party advertising.

3. Who We Share It With

We share information only with vetted parties who help us deliver funding, including: bank-data verification providers (e.g., Plaid), underwriting partners, capital providers reviewing your file for an offer, and service providers for hosting, email, analytics, and fraud prevention. Each is contractually bound to safeguard your data. We may also disclose information when required by law, subpoena, or to protect our rights and users.

4. How We Protect It

We use 256-bit bank-level encryption in transit and at rest, role-based access controls, and ongoing monitoring. Banking connections are read-only and tokenized through our verification partner — we never receive your bank login credentials. No system is 100% secure, but we work hard to keep your data safe.

5. How Long We Keep It

We retain application data for as long as needed to provide our services and to meet legal, tax, and regulatory recordkeeping obligations. When data is no longer needed, we securely delete or anonymize it.

6. Your Rights & Choices

You have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information, subject to legal recordkeeping requirements.
• Withdraw consent or opt out of non-essential communications at any time.

To exercise any of these rights, email us at hello@fundinggal.com with the subject line "Privacy Request." We will respond within 30 days.

7. Cookies

We use a minimal set of cookies and similar technologies to keep the site working, remember your preferences, and understand aggregate usage. You can control cookies through your browser settings.

8. Children's Privacy

FundingGal is intended for business owners and is not directed to children under 18. We do not knowingly collect information from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page reflects the most recent changes. Material changes will be communicated via the site or email.

10. Contact Us

Questions about this Privacy Policy or your data? Reach the Funding Gal team at hello@fundinggal.com.