PRIVACY POLICY
1Nation Capital
1. Introduction
1Nation Capital ("Company," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit an application, or engage with our business lending services. By accessing or using our services, you agree to the terms of this Privacy Policy.
This Privacy Policy applies to all individuals who interact with 1Nation Capital, including prospective borrowers, current clients, and visitors to our website. If you do not agree with the terms outlined herein, please discontinue use of our services immediately.
2. Information We Collect
2.1 Personal Identification Information
We may collect the following categories of personal information:
• Full legal name, date of birth, and Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Home and business addresses, telephone numbers, and email addresses
• Government-issued identification documents (driver's license, passport, etc.)
• Business ownership details, including percentage of ownership
2.2 Financial Information
To evaluate your eligibility for business funding, we collect:
• Business bank statements (typically 3 to 6 months)
• Business and personal credit history and credit scores
• Tax returns, profit and loss statements, and balance sheets
• Revenue figures, outstanding debts, and existing loan obligations
• Business licenses, Employer Identification Numbers (EIN), and formation documents
2.3 Technical and Usage Information
When you access our website or online application portal, we automatically collect:
• IP address, browser type, and operating system
• Pages visited, time spent on site, and referring URLs
• Device identifiers and cookie data
• Geolocation data (approximate)
3. How We Use Your Information
1Nation Capital uses the information we collect for the following legitimate business purposes:
• To evaluate, process, and underwrite your business funding application
• To verify your identity and prevent fraud, money laundering, and other illegal activities
• To communicate with you regarding your application status, loan terms, and account activity
• To comply with applicable federal and state laws, including the Bank Secrecy Act and anti-money laundering (AML) regulations
• To improve our website, services, and customer experience
• To send marketing communications, subject to your right to opt out at any time
• To enforce our contractual rights and protect our legal interests
4. Sharing and Disclosure of Information
We do not sell, rent, or trade your personal information to third parties for their own marketing purposes. However, we may share your information with:
4.1 Service Providers and Partners
We may disclose your information to trusted third-party service providers who assist us in operating our business, including credit bureaus, payment processors, cloud service providers, legal counsel, and marketing partners. All such third parties are contractually required to maintain the confidentiality and security of your data.
4.2 Funding Partners and Lenders
In order to facilitate your funding request, your information may be shared with institutional lenders, private investors, or funding partners who participate in the underwriting or funding of your loan. By submitting an application, you consent to such sharing.
4.3 Legal and Regulatory Disclosure
We may disclose your information when required to do so by law, court order, subpoena, regulatory authority, or governmental investigation, including but not limited to compliance with the Fair Credit Reporting Act (FCRA), and applicable New York State financial regulations.
5. Data Retention
1Nation Capital retains your personal and financial information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, to comply with our legal obligations, resolve disputes, and enforce our agreements. Loan application records are typically retained for a minimum of seven (7) years in accordance with applicable regulations. Upon expiration of the retention period, data is securely deleted or anonymized.
6. Data Security
We implement industry-standard technical, administrative, and physical safeguards to protect your information from unauthorized access, loss, misuse, or alteration. These measures include SSL/TLS encryption, access controls, secure data storage, and regular security assessments. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.
In the event of a data breach that poses a risk to your rights and freedoms, we will notify affected individuals and applicable regulatory authorities in accordance with state and federal breach notification laws.
7. Your Rights and Choices
Depending on your state of residence, you may have the following rights regarding your personal information:
• Right to Access: Request a copy of the personal information we hold about you
• Right to Correction: Request correction of inaccurate or incomplete information
• Right to Deletion: Request deletion of your personal information, subject to our legal retention obligations
• Right to Opt-Out: Opt out of marketing communications at any time by contacting us or clicking "unsubscribe" in any email
• Right to Non-Discrimination: Exercise your privacy rights without receiving discriminatory treatment
To exercise any of these rights, please contact us at the information provided in Section 10 below. We will respond to all verified requests within thirty (30) days.
8. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance user experience, analyze site traffic, and support our marketing efforts. You may configure your browser to refuse all cookies or to alert you when cookies are being sent. Please note that disabling cookies may affect the functionality of certain features of our website.
9. Children's Privacy
Our services are intended exclusively for business owners and are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a minor, we will promptly delete such information.
10. Contact Information
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us.
11. Changes to This Privacy Policy
We reserve the right to update this Privacy Policy at any time. Any material changes will be communicated by posting the revised policy on our website with an updated effective date. Your continued use of our services following the posting of changes constitutes your acceptance of the revised policy.