Privacy Policy

Swift Green Capital is committed to protecting your privacy and handling your personal and business information responsibly, transparently, and in compliance with all applicable federal and state privacy laws, including but not limited to:

• The Gramm-Leach-Bliley Act (GLBA) and its implementing regulations;
• The California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA);
• The Telephone Consumer Protection Act (TCPA);
• The CAN-SPAM Act of 2003;
• The Fair Credit Reporting Act (FCRA);
• Other applicable state and federal privacy and data protection laws.

This Privacy Policy applies to information collected through our website at swiftgreencapital.com, our mobile-optimized web experiences, our application forms, email communications, telephone interactions, and text message (SMS/MMS) communications. It does not apply to the practices of third parties that we do not own or control.

We may collect the following categories of information about you and your business:

A. Personal Identification Information:

• Full legal name, date of birth;
• Social Security Number (SSN) or last 4 digits, for identity verification and credit review;
• Government-issued identification documents;
• Home address, mailing address.

B. Contact Information:

• Email address(es);
• Mobile and landline telephone number(s);
• Preferred method of contact.

C. Business Information:

• Legal business name, DBA name, business address;
• Employer Identification Number (EIN) or Tax ID;
• Business type, industry, time in operation;
• Ownership percentage and structure;
• Bank account information (account and routing numbers) for funding and repayment purposes;
• Monthly revenue, gross sales, and other financial data;
• Merchant processing statements and bank statements.

D. Credit & Financial Information:

• Consumer and business credit reports obtained from credit reporting agencies;
• Tax returns, profit and loss statements, and other financial documents you provide;
• Outstanding debts, liens, and financial obligations.

E. Technical & Usage Data:

• IP address, browser type and version, operating system;
• Pages visited, time spent on pages, links clicked;
• Referring website addresses;
• Device identifiers and mobile advertising IDs;
• Geolocation data (approximate, based on IP).

F. Communication Data:

• Records of communications with our team via phone, email, or text message;
• Call recordings (where permitted by law and disclosed at the time of the call);
• Text message opt-in and opt-out records, including timestamps.

We collect information through the following means:

• Directly from you: When you complete and submit an application, contact us by phone, email, or text, or otherwise voluntarily provide information;
• Automated technologies: Cookies, web beacons, pixels, and similar technologies when you visit our Site (see Section 10);
• Third parties: Credit bureaus and consumer reporting agencies, business information providers, data brokers, referral partners, and financial data aggregation services;
• Public sources: Government records, public databases, and business registries;
• Financial institutions: Banks and payment processors in connection with underwriting and funding.

We use the information we collect for the following purposes:

• To evaluate, process, and make decisions on your financing application;
• To verify your identity and the identity of your business;
• To conduct soft and hard credit inquiries as authorized by you;
• To communicate with you about your application, account, funding status, and repayment;
• To send you marketing, promotional, and informational communications (where you have provided consent);
• To send text messages (SMS/MMS) related to your application or account, as authorized by you;
• To detect, prevent, and investigate fraud, identity theft, and other unlawful activity;
• To comply with our legal and regulatory obligations, including BSA/AML requirements;
• To enforce our Terms and Conditions and other agreements;
• To improve our website, services, and customer experience;
• To conduct analytics and research to improve our offerings;
• To transfer your information to funding partners in our network for the purpose of obtaining financing offers on your behalf.

When you provide your mobile phone number and consent to receive text messages, we collect and store your mobile number, your consent (including date, time, and method of consent), and records of all text messages sent and received.

Purpose of SMS Communications: We use your mobile number and SMS consent to send messages relating to: application status updates, funding approvals and offers, account reminders, repayment notifications, and, where separately consented, promotional messages about our products and services.

Record-Keeping: We maintain records of your SMS opt-in consent in compliance with TCPA requirements and CTIA guidelines. These records include the source of consent, the date and time of opt-in, and the exact disclosure language presented at the time of consent. These records are retained for a minimum of five (5) years or as required by applicable law.

Opt-In Data: Your mobile number and SMS opt-in status will not be sold, rented, or transferred to any third party for their own marketing purposes. Mobile opt-in data is used solely in connection with the Swift Green Capital SMS Program and is not shared with any third party except as necessary for the operation of the SMS program (e.g., our SMS platform provider) or as required by law.

Opt-Out: You may opt out of SMS communications at any time by replying STOP to any text message. After opting out, you will receive a single confirmation message and no further texts will be sent to that number for marketing purposes. Transactional messages related to an active financing agreement may continue as necessary and permitted by law.

We may share your information with the following categories of recipients:

A. Funding Partners & Lenders: We may share your application information with third-party lenders, funding companies, and financial institutions in our network for the purpose of evaluating and providing financing offers. By submitting an application, you consent to this sharing.

B. Service Providers: We engage trusted third-party service providers to assist with operations including: credit reporting agencies, identity verification services, SMS/communications platforms, data analytics providers, cloud hosting providers, payment processors, and legal and compliance advisors. These providers are contractually prohibited from using your information for any purpose other than providing services to us.

C. Legal & Regulatory Compliance: We may disclose your information when required by law, court order, subpoena, government inquiry, or regulatory requirement, or when we believe in good faith that disclosure is necessary to: comply with applicable law; protect the rights, property, or safety of Swift Green Capital, our customers, or the public; detect, prevent, or address fraud or security issues; or enforce our Terms.

D. Business Transfers: If Swift Green Capital is involved in a merger, acquisition, sale of assets, financing, or other business transaction, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our Site before your information is transferred and becomes subject to a different privacy policy.

E. With Your Consent: We may share your information with other parties when you have given us explicit consent to do so.

We do not sell, rent, or lease your personal information to third parties for their own marketing or commercial purposes.

Swift Green Capital does not sell, rent, trade, or otherwise transfer your personal information to outside parties for their own commercial or marketing use. This includes the mobile phone numbers and SMS opt-in data collected through our website and application forms. We do not share opt-in data with any third parties for marketing purposes.

We may share anonymized, aggregated, or de-identified data that cannot reasonably be used to identify you with third parties for analytics, research, or business purposes.

We retain your personal and business information for as long as necessary to fulfill the purposes for which it was collected, to comply with our legal obligations, resolve disputes, and enforce our agreements. Specifically:

• Application data (approved or declined): retained for a minimum of 5 years;
• Active customer financial records: retained for the duration of the financing relationship plus 7 years;
• SMS opt-in consent records: retained for a minimum of 5 years from date of opt-in or opt-out;
• Call recordings: retained for 90 days unless otherwise required by law;
• Website analytics data: retained for 24 months;
• Declined application data: retained for 2 years.

Following the applicable retention period, we will securely delete or anonymize your information in accordance with our data disposal procedures.

We implement industry-standard technical, administrative, and physical safeguards designed to protect your information from unauthorized access, use, alteration, and disclosure. These measures include:

• 256-bit SSL/TLS encryption for data transmission;
• Encryption of sensitive data at rest;
• Role-based access controls and multi-factor authentication for internal systems;
• Regular security assessments and vulnerability scanning;
• Employee training on data privacy and security practices;
• Physical security controls at our office locations.

Despite these measures, no method of transmission over the internet or method of electronic storage is 100% secure. We cannot guarantee absolute security of your information. If you suspect that your information has been compromised, please contact us immediately at admin@swiftgreencapital.com.

In the event of a data breach that may affect your rights and freedoms, we will notify affected individuals and applicable regulatory authorities as required by applicable law.

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site usage, and support our marketing efforts.

Types of cookies we use:

• Strictly Necessary Cookies: Required for the website to function. Cannot be disabled.
• Performance / Analytics Cookies: Help us understand how visitors interact with our Site (e.g., Google Analytics). Data collected is aggregated and anonymous.
• Functionality Cookies: Remember your preferences and settings to personalize your experience.
• Targeting / Advertising Cookies: Used to deliver relevant advertisements and track ad campaign effectiveness. May be set by third-party advertising partners.

You can control and manage cookies through your browser settings. Most browsers allow you to refuse or delete cookies. However, disabling certain cookies may affect the functionality of our Site. For more information about managing cookies, visit your browser's help documentation.

We may also use web beacons, pixel tags, and clear GIFs in our emails and on our Site to track open rates, link clicks, and other engagement metrics.

Our Site may contain links to third-party websites, applications, or services. We are not responsible for the privacy practices of those third parties and encourage you to read their privacy policies before providing any personal information. This Privacy Policy applies only to information collected by Swift Green Capital.

Our Site and services are directed to adults (18 years of age and older) operating businesses. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have inadvertently collected information from a minor, we will promptly delete such information. If you believe we have collected information from a minor, please contact us at admin@swiftgreencapital.com.

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), in addition to other applicable California privacy laws.

Your California Rights include:

• Right to Know: You have the right to request that we disclose what categories and specific pieces of personal information we have collected about you, the sources of that information, the purposes for which we use it, and the categories of third parties with whom we share it.
• Right to Delete: You have the right to request deletion of your personal information, subject to certain exceptions (e.g., information needed to complete a transaction, comply with law, or detect fraud).
• Right to Correct: You have the right to request correction of inaccurate personal information we hold about you.
• Right to Opt-Out of Sale/Sharing: We do not sell or share personal information for cross-context behavioral advertising. You may submit a request if you believe we have done so.
• Right to Limit Use of Sensitive Personal Information: You may request that we limit our use and disclosure of your sensitive personal information (such as SSN) to uses necessary to provide our services.
• Right of Non-Discrimination: We will not discriminate against you for exercising your CCPA/CPRA rights.

To submit a California privacy request, contact us at admin@swiftgreencapital.com or 646-207-3861. We will verify your identity before processing your request and respond within 45 days (extendable by an additional 45 days with notice).

California's "Shine the Light" law (Civil Code § 1798.83) permits California residents to request information about the sharing of personal information with third parties for their direct marketing purposes. We do not share personal information for third-party direct marketing purposes.

Residents of certain states including Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Texas (TDPSA), and other states with enacted consumer privacy laws may have additional rights regarding their personal data, including the right to access, correct, delete, and opt out of the processing of personal data for targeted advertising or profiling. To exercise these rights, please contact us at admin@swiftgreencapital.com.

Regardless of your location, you may:

• Access and Update: Contact us to access or update the personal information we hold about you;
• Opt Out of Marketing: Unsubscribe from marketing emails by clicking the "unsubscribe" link in any email or contacting us at admin@swiftgreencapital.com;
• Opt Out of SMS: Reply STOP to any text message or contact us (see Section 16);
• Request Data Deletion: Request deletion of your personal information where we are not required to retain it;
• Withdraw Consent: Withdraw previously provided consent for specific processing activities;
• Lodge a Complaint: File a complaint with the applicable data protection authority in your jurisdiction.

Text Messages (SMS): Reply STOP to any text message from us. You will receive one final confirmation. Alternatively, contact us at admin@swiftgreencapital.com or 646-207-3861.

Marketing Emails: Click "Unsubscribe" in any marketing email or contact us at admin@swiftgreencapital.com. You will still receive transactional emails necessary to manage your account or financing.

Telephone Calls: Contact us at admin@swiftgreencapital.com to be added to our internal do-not-call list. This does not affect your right to place you on the National Do Not Call Registry. Note: if you have an active account or application, we may still contact you about account matters.

Swift Green Capital operates within the United States. If you access our Site or services from outside the United States, please be aware that your information may be transferred to, stored in, and processed in the United States, where data protection laws may differ from those in your country of residence. By using our Site or services, you consent to any such transfer.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Effective Date / Last Updated" date at the top of this page and, where appropriate, notify you by email or by posting a prominent notice on our Site. We encourage you to review this Privacy Policy periodically. Your continued use of the Site or services after any changes constitutes your acceptance of the revised Privacy Policy.

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

For California residents, you may also submit privacy requests through the contact methods above. We aim to respond to all verifiable requests within 45 days.