Privacy Policy

Information you provide. When you submit an application or contact us, we collect business and owner information, which may include: business and owner names, addresses, phone numbers, and email addresses; business entity and ownership details; tax identification number (EIN); date of birth; Social Security number; bank, financial, and revenue information; uploaded documents such as bank statements; and any other information you choose to provide. Information collected automatically. When you use the Website, we and our providers may collect device and usage data such as IP address, browser type, pages viewed, referring pages, and timestamps, through cookies and similar technologies (see our Cookie Policy). Information from third parties. We may receive information about you and your business from credit-reporting agencies, identity and bank-verification services, funding partners, and public or commercial sources, as authorized by you.

We use information to: evaluate, underwrite, process, and service applications and products; verify identity and information; communicate with you about your application and our services; detect and prevent fraud and protect our rights; operate, maintain, and improve the Website and Services; and comply with legal and regulatory obligations. With your consent, we may use your contact information for marketing communications, which you can opt out of at any time.

We may share information with: our funding partners and funding sources to evaluate and provide products; our service providers and vendors who perform services on our behalf (such as verification, processing, hosting, analytics, and communications); professional advisors; and authorities or other parties when required by law, to enforce our agreements, or to protect rights, safety, and property. We may also share information in connection with a merger, financing, acquisition, or sale of assets. We do NOT sell your personal information. Arbat Capital is solely responsible for its own data practices. Arbat Group is a separate holding company that does not operate the Website or Services and does not receive your information for its own purposes.

Where the EU/UK GDPR applies, we process personal data on the bases of: your consent; performance of, or steps toward, a contract; our legitimate interests in operating and securing our business; and compliance with legal obligations.

Our Website and Services are operated in the United States and intended for U.S. businesses. If you access the Website from the European Union, the United Kingdom, or any other region, you understand and agree that your information will be transferred to, stored, and processed in the United States, where data-protection laws may differ from those in your location, and you consent to that transfer.

We retain information for as long as needed to provide the Services, to comply with legal, tax, accounting, and regulatory requirements, to resolve disputes, and to enforce our agreements, after which we delete or de-identify it.

We use reasonable administrative, technical, and physical safeguards designed to protect information, including encryption of sensitive fields. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

You may opt out of marketing emails using the unsubscribe link, and opt out of marketing text messages by replying STOP. Depending on where you live, you may have rights to access, correct, update, delete, or port your personal information, and to object to or restrict certain processing. U.S. state privacy rights (including California). Subject to applicable law, you may request to know, access, correct, or delete personal information, and to opt out of any "sale" or "sharing" of personal information (note: we do not sell personal information). We will not discriminate against you for exercising these rights. EU/EEA/UK rights. Subject to the GDPR, you may request access, rectification, erasure, restriction, portability, and may object to processing or withdraw consent at any time, and you may lodge a complaint with your local supervisory authority. To exercise any right, contact us using Section 13. We may need to verify your identity before responding.

We use cookies and similar technologies as described in our Cookie Policy, which explains your choices and, for EU/EEA/UK visitors, our consent practices.

The Website and Services are intended for businesses and are not directed to children. We do not knowingly collect personal information from children under 13 (or under 16 where applicable). If we learn we have collected such information, we will delete it.

The Website may link to third-party sites we do not control. We are not responsible for the privacy practices of those sites; review their policies separately.

We may update this Policy from time to time. Changes are effective when posted, and we will update the "Last updated" date. Your continued use of the Website constitutes acceptance.

Arbat Capital LLC 8 The Green, Suite B, Dover, DE 19901 Email: info@arbat-capital.io