Privacy Policy

Who we are and what this policy covers

Kings Funding LLC ("Kings Funding," "we," "us," or "our") provides working capital to small businesses and introduces business owners to lending and payment partners. This Privacy Policy explains what information we collect through kingsfg.com (the "Site"), our online forms, and our conversations with you by phone, text, and email, how we use it, who we share it with, and the choices you have.

This policy applies to visitors of the Site, business owners and their representatives who apply for funding or submit an inquiry, ISOs and brokers who work with us, and anyone who contacts us. Financing agreements, partner agreements, and any lender's own application carry their own terms, which control for those relationships.

Information we collect

Information you give us

• Contact form. Your name, business name, email address, phone number, the topic of your inquiry, and your message.
• Funding application. Business details (legal and trade names, entity type, federal tax ID, start date, industry, address, phone, email, website, whether you own or rent your location), the funding you are requesting and how you plan to use it, revenue and banking information (sales figures, primary bank, card processing details, existing advances or loans and their balances), and owner details for each owner listed (name, title, ownership percentage, home address, cell phone, email, date of birth, Social Security number, and estimated credit score). Supporting documents you upload, such as bank statements, a voided business check, and a driver's license. Your electronic signature and the certifications, authorizations, and consents you accept, together with the date and time you signed.
• Home equity inquiry. Your name, email, mobile phone, date of birth, business name, property address and type, estimated home value, mortgage balance, the amount you would like to access, use of funds, estimated credit score, your electronic signature, and the authorizations you accept.
• ISO and broker sign-up. Your name, company, contact details, and submission volume, plus the merchant information you send us on behalf of your clients.
• Correspondence. Anything you share with us by phone, text, email, or in documents you send to complete a file.

Information collected automatically

When you use the Site or submit a form, we and our service providers may record your IP address, browser and device type, the pages you visit, the page a form was submitted from, referring URLs and campaign parameters, and the date and time of your visit or submission. We keep a record of the consent language you accepted and when, which we use to document your authorizations.

Information from other sources

With the authorizations you give us in an application or inquiry, we obtain information from consumer reporting agencies (such as Experian, Equifax, and TransUnion), business credit and background reporting services, bank account data and verification services, identity verification and fraud prevention providers, public records, and the banks, creditors, payment processors, landlords, accountants, and other third parties you authorize to release information. If an ISO, broker, or referral partner submits your file, we receive your information from them. Funding partners and lenders may also share information with us about the status of a file they received from us.

How we use information

• To evaluate applications and inquiries, verify identity and business ownership, underwrite requests, and detect and prevent fraud.
• To fund, service, renew, and collect on advances and other products, and to keep required records.
• To introduce you to funding partners, lenders, and payment processors when a product fits your request, and to obtain offers on your behalf.
• To communicate with you about your application, inquiry, account, or partnership, and to respond to your questions.
• To send information about products and services that may interest you, subject to the choices described below.
• To operate, secure, and improve the Site, understand how it is used, and fix problems.
• To comply with law, respond to lawful requests, enforce our agreements, and protect the rights, property, and safety of Kings Funding, our customers, and others.

How we share information

We share information only as described here.

• Funding partners, syndicate participants, and lenders. To evaluate your request and obtain offers, we share your application or inquiry, supporting documents, and credit information with the funding sources, capital participants, and lenders we work with, including home equity lenders. Once a partner receives your information, its own privacy policy governs its use. Some partners pay us a referral fee or commission when we introduce a customer.
• Credit reporting agencies and verification services. To obtain reports and verify what you have told us, as authorized in your application or inquiry.
• ISOs, brokers, and referral partners. If a partner submitted your file, we share the status of the file with that partner.
• Service providers. Companies that host the Site, process form submissions and file uploads, generate documents and capture electronic signatures, send email and text messages, provide customer relationship management, analytics, and security tools, and process payments. They may use your information only to provide services to us.
• Professional advisors. Lawyers, accountants, auditors, and insurers, under confidentiality obligations.
• Legal and safety. When required by law, subpoena, or court order, to regulators, to enforce our agreements, or to protect against fraud and other harm.
• Business transfers. If Kings Funding is involved in a merger, acquisition, financing, or sale of assets, information may be transferred as part of that transaction.
• With your direction or consent. When you ask us to share information or otherwise agree to it.

We do not sell your personal information for money. Because some partners compensate us for introductions, the laws of certain states may treat those introductions as a "sale" or "sharing" of personal information. If that applies to you, you can opt out as described under "Your choices and rights" below.

Calls, texts, and emails

When you provide a phone number or email address in an application or inquiry, you agree that Kings Funding and its funding or lending partners may contact you about your request, any financing, and related products and services, including by live call, prerecorded or artificial voice message, automatic telephone dialing system, text message, and email, even if your number is on a federal or state Do Not Call registry. That consent is not a condition of receiving funding, and message and data rates may apply.

You can stop text messages at any time by replying STOP. You can unsubscribe from marketing emails using the link in any message, and you can withdraw consent to calls or emails by contacting us at team@kingsfg.com. We may still contact you about an active application, account, or legal matter. Calls with us may be monitored or recorded for quality, training, verification, and compliance purposes.

Mobile phone numbers and text message opt-in information are not shared with third parties or affiliates for their own marketing purposes. They are used only to send you the messages you agreed to receive and to deliver the products you asked about.

Cookies and analytics

The Site uses only the cookies and similar technologies needed for it to work, along with any analytics tools we use to understand traffic and improve the Site. Analytics tools may set cookies and collect information such as your IP address, pages viewed, and approximate location. You can control cookies through your browser settings, although some parts of the Site may not work as intended if cookies are disabled. The Site does not currently respond to "Do Not Track" browser signals. Where the law requires it, we honor opt-out preference signals such as Global Privacy Control.

How we protect information

We use administrative, technical, and physical safeguards designed to protect your information, including encryption of data in transit, access limited to people who need it to do their jobs, and vendors that maintain their own security programs. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. If a security incident affects your information, we will notify you and the appropriate authorities as required by law. Please do not send Social Security numbers, full account numbers, or other sensitive details through the contact form or by unencrypted email unless we ask you to.

How long we keep information

We keep information for as long as needed for the purposes described in this policy, which includes the life of any application, financing, or partnership, the period required by record-retention, credit, and anti-fraud laws, and any period needed to resolve disputes or enforce agreements. When information is no longer needed, we delete it or de-identify it.

Your choices and rights

You can ask us at any time to access, correct, or delete the personal information we hold about you, or to stop marketing communications, by emailing team@kingsfg.com. We may need to verify your identity before acting on a request, and we may keep information we are required to retain by law or that we need to complete a transaction you asked for.

Depending on where you live, state privacy laws may give you additional rights, such as the right to know what personal information we collect and how it is used, the right to delete or correct it, the right to opt out of the sale or sharing of personal information or its use for targeted advertising or profiling, the right to limit the use of sensitive personal information, the right to a portable copy, and the right not to be treated differently for exercising these rights. Some of these laws do not apply to information collected in connection with a financial product or covered by the federal Fair Credit Reporting Act or Gramm-Leach-Bliley Act. You may use an authorized agent to submit a request on your behalf, and if we decline a request you may ask us to reconsider. To exercise any of these rights, email team@kingsfg.com with "Privacy request" in the subject line. We respond within the time required by the law that applies to you.

Notice for California and other state residents

This section supplements the rest of this policy for residents of states with comprehensive privacy laws. In the past 12 months we have collected the following categories of personal information, from the sources and for the purposes described in "Information we collect" and "How we use information":

• Identifiers: name, postal address, email address, phone number, IP address, date of birth, Social Security number, driver's license number, and similar identifiers.
• Personal records and financial information: signature, bank account and statement information, revenue, existing financing, credit information, and property information.
• Commercial information: products requested, application and inquiry history, and funding history.
• Internet and network activity: pages viewed, form submission details, browser and device information, and referring URLs.
• Geolocation: approximate location derived from IP address.
• Professional and employment information: title, ownership percentage, and business details.
• Inferences: assessments we make about eligibility for our products.
• Sensitive personal information: Social Security number, driver's license number, financial account information, and precise credit information. We use sensitive personal information only to provide the products you request, verify identity, prevent fraud, and comply with law.

We disclose these categories to the recipients described in "How we share information." Because some funding and lending partners compensate us for introductions, our disclosure of identifiers, financial information, and commercial information to those partners may be treated as a "sale" or "sharing" of personal information under some state laws. We do not knowingly sell or share the personal information of anyone under 16. To opt out, email team@kingsfg.com with "Do not sell or share my personal information" in the subject line. Opting out may limit the products we can offer you. We also honor opt-out preference signals, such as Global Privacy Control, where the law requires it.

Residents of Nevada may request that we not sell their covered information by emailing the same address. We retain each category of personal information for the periods described in "How long we keep information."

Financial privacy notices

Business financing products offered by Kings Funding are commercial products, and the personal information of business owners collected in connection with them is handled as described in this policy. If you obtain a consumer financial product, such as a home equity line of credit, through one of our lending partners, that lender will provide you its own privacy notice under the Gramm-Leach-Bliley Act and applicable state law, and its notice governs the information it collects from you.

Children

The Site and our services are intended for business owners and adults. We do not knowingly collect information from anyone under 18. If you believe a minor has provided us information, contact us and we will delete it.

Third-party sites and partner applications

The Site may link to partner websites, and completing a product with a lender or payment processor may require an application on that partner's own platform. Those sites and applications are governed by their own privacy policies and terms. We are not responsible for the privacy practices of other companies, and we encourage you to read their policies before providing information.

Users outside the United States

The Site is operated from the United States and is intended for businesses and individuals located in the United States. If you access the Site from outside the United States, you understand that your information will be transferred to, stored, and processed in the United States, where privacy laws may differ from those in your location.

Changes to this policy

We may update this policy as our services, partners, or the law change. When we do, we will post the new version on this page and update the "last updated" date at the bottom. If a change materially affects how we use information you have already given us, we will notify you by email or through the Site before it takes effect.

Contact us

Questions about this policy or our privacy practices can be sent to: