Last Updated: September 4, 2026  |  Effective Date: September 4, 2026

This Privacy Policy describes how ELITE BUSINESS CAPITAL LLC ("Elite Business Capital," "we," "our," or "us") collects, uses, and shares information about you when you visit this website, contact us, or use any of our services (collectively, the "Services"). By using our Services, you agree to the collection and use of information as described in this policy.

1. Information We Collect

We collect information you provide directly to us, information we obtain automatically when you use our Services, and information from third-party sources.

Information You Provide to Us

When you use our Services or communicate with us, you may provide us with:

• Personal identification information, including your name, email address, phone number, and mailing address
• Business information, including your business name, type of business, industry, time in business, and monthly revenue
• Financial information, including requested funding amounts, bank statements, and other financial data you submit in connection with a funding application
• Communications you send to us, such as emails or any other information you provide when seeking customer support

Information Collected Automatically

When you visit this Site, we may automatically collect certain information, including:

• Log data such as your IP address, browser type and version, pages visited, time spent on pages, and referring website addresses
• Device information such as hardware model, operating system, unique device identifiers, and mobile network information
• Cookie and tracking data as described in our Cookie Policy below

2. How We Use Your Information

We use the information we collect to:

• Process and evaluate your business funding application and connect you with appropriate funding options
• Communicate with you about our Services, including responding to your inquiries and providing updates on your application
• Send you marketing and promotional communications, where permitted by law and consistent with your preferences
• Analyze usage patterns and improve the functionality and content of our Site and Services
• Comply with applicable laws, regulations, and legal obligations
• Protect the rights, property, and safety of Elite Business Capital, our clients, and the public
• Detect, investigate, and prevent fraudulent transactions, unauthorized access, and other illegal activities

3. How We Share Your Information

We do not sell, trade, or rent your personal information to any third parties. Consumer data will not be transferred to any external organizations under any circumstances. We do not share your personal information with service providers, marketing partners, or any other external organizations for any purpose, including with your consent.

The only limited exception is when disclosure is required by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, investigate fraud, or respond to a government request.

3a. No Transfer of Consumer Data

Consumer data will not be transferred to any external organizations under any circumstances. We do not transfer your personal information to any external organizations for any purpose — including marketing, advertising, analytics, or any other commercial purpose. This applies regardless of whether you have provided consent.

3b. SMS and Messaging Opt-Out Rights

If you have opted in to receive SMS or text message communications from Elite Business Capital LLC, you have the right to opt out at any time. To opt out of SMS messages, reply STOP or UNSUBSCRIBE to any text message you receive from us. After opting out, you will receive one final confirmation message. You will no longer receive SMS messages from us unless you re-opt in. Opting out of SMS messages does not affect your ability to apply for funding or use our services.

You may also opt out of email marketing communications at any time by clicking "unsubscribe" in any marketing email or contacting us directly. Opting out of marketing messages does not affect transactional or service-related communications.

3c. Contact Information for Privacy and SMS Concerns

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or want to reach us regarding SMS or messaging communications, please contact us using any of the following methods:

• Email: info@ebc-funding.com
• Phone: (347) 763-4313
• Mail: Elite Business Capital LLC, 46 Howard St, New York, NY 10013

We will respond to all privacy and SMS-related inquiries within 5 business days.

4. Cookies and Tracking Technologies

This Site uses cookies and similar tracking technologies to enhance your experience, analyze traffic, and understand where our visitors come from. Cookies are small data files stored on your device. You may instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, some portions of our Site may not function properly.

Important: Cookie and analytics technologies operate at the website level only and do not involve the transfer or sharing of your personal information, SMS opt-in data, or any consumer data collected through our funding application forms. Personal and SMS data is never shared with any analytics or advertising platforms.

We use the following types of cookies:

• Essential Cookies: Necessary for the basic functioning of our website
• Analytics Cookies: Help us understand how visitors interact with our Site. These cookies do not receive your personal contact information or SMS opt-in status.
• Marketing Cookies: Used to measure advertisement performance and reach (including the Meta Pixel). These cookies do not receive your name, phone number, email address, or any data submitted through our funding application forms.

5. Data Security

We implement commercially reasonable technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include data encryption, secure server infrastructure, and restricted access to personal information by authorized personnel only.

However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

6. Data Retention

We retain your personal information for as long as necessary to provide our Services, comply with applicable laws, resolve disputes, enforce our agreements, and fulfill the purposes outlined in this Privacy Policy. When we no longer need your information, we will securely delete or anonymize it.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access the personal information we hold about you
• The right to request correction of inaccurate or incomplete information
• The right to request deletion of your personal information, subject to certain exceptions
• The right to opt out of marketing communications at any time by clicking "unsubscribe" in any email or contacting us directly
• The right to data portability in certain circumstances

To exercise any of these rights, please contact us at info@ebc-funding.com.

8. Third-Party Links

This Site may contain links to third-party websites. These sites have their own privacy policies, and we do not accept any responsibility or liability for the privacy practices of such third parties. We encourage you to review the privacy policy of any website you visit.

9. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information from our records.

10. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your personal information, and the right to opt out of the sale of your personal information. ELITE BUSINESS CAPITAL LLC does not sell personal information as defined under CCPA. To submit a request, please contact us at info@ebc-funding.com.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of any material changes by updating the "Last Updated" date at the top of this page. We encourage you to review this policy periodically for the latest information on our privacy practices.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

ELITE BUSINESS CAPITAL LLC
46 Howard St
New York, NY 10013
Phone: (347) 763-4313
Email: info@ebc-funding.com