KINETIK CAPITAL — PRIVACY POLICY (Updated 2025)

1. Introduction

Kinetik Capital (“Kinetik Capital,” “we,” “us,” or “our”) operates as a business financing brokerage, connecting small businesses with third-party lenders, funding partners, and financial institutions (“Lending Partners”).

This Privacy Policy explains:

• What information we collect

• How and why we use it

• How we share information with Lending Partners

• Your rights and choices

• How we protect your data

By using our website (kinetikcap.com), submitting an application, or communicating with us, you agree to this Privacy Policy.

2. COMMUNICATION CONSENT (SMS, TEXT & EMAIL)

By providing your phone number and/or email address to Kinetik Capital, you consent to receive communications from us via phone calls, SMS/text messages, and email.

These communications may include:

• Application and account status updates

• Customer service and support messages

• Service-related notices

• Marketing, promotional, and educational content related to business financing

Message and data rates may apply for SMS/text messages. Message frequency varies.

You may opt out at any time:

• SMS/Text: Reply STOP to unsubscribe

• Email: Click the “unsubscribe” link included in any marketing email

Consent to receive communications is not required to apply for or obtain financing. Opting out of marketing communications does not affect transactional, account-related, or application-related messages.

We do not use email campaigns to promote high-risk financial products or time-sensitive funding offers.

3. Information We Collect

A. Information You Provide

• Name and contact information

• Business details (name, address, industry, ownership)

• Email address and phone number

• Uploaded bank statements

• Financial details such as revenue, balances, and deposits

• EIN and/or SSN (if acting as a personal guarantor)*

• Beneficial ownership information (as required by federal law)

B. Automatically Collected Information

• IP address

• Browser and device information

• Pages visited and interactions

• Cookies and usage analytics

C. Information From Third Parties

• Bank verification platforms (e.g., Plaid)

• Identity verification providers

• Lending Partners

• Public and commercial databases

4. Sensitive Personal Information

We may collect Sensitive Personal Information, such as Social Security numbers and bank data, solely to assist in transmitting your application to Lending Partners and fulfilling compliance obligations.

We do not sell Sensitive Personal Information.

5. How We Use Your Information

We use your information to:

• Evaluate and present financing options

• Transmit your application to Lending Partners

• Verify identity and business legitimacy

• Communicate application status and service updates

• Send marketing and educational emails related to our services

• Prevent fraud and unauthorized activity

• Comply with legal, regulatory, and contractual obligations

• Perform analytics and improve our services

6. How We Share Your Information

Broker-Specific Disclosure

We share your information only for legitimate business purposes required to facilitate business financing.

We may share information with:

• Lending Partners: To evaluate, underwrite, and fund your financing request

• Service Providers: CRM systems, verification tools, email and communication platforms, and analytics providers

• Compliance Vendors: Fraud prevention and identity verification tools

• Professional Advisors: Attorneys, auditors, and consultants when necessary

We do not:

• Sell your personal information

• Share SMS or email opt-in data with unaffiliated marketers

• Permit unrelated third-party marketing

Credit Reports

Kinetik Capital does not pull personal credit reports. Lending Partners may pull personal or business credit in accordance with the Fair Credit Reporting Act (FCRA).

7. Relationship With Lending Partners

Once your information is shared with a Lending Partner:

• Their privacy policy governs their use of your information

• They may contact you directly

• They may perform personal or business credit checks

Kinetik Capital does not control or assume responsibility for Lending Partner privacy practices.

8. Compensation Disclosure

Kinetik Capital may receive compensation from Lending Partners if a client elects to engage with a third-party provider. This does not affect the rates, pricing, or terms you are offered.

9. Your Choices And Rights

Update or Correct Your Information

You may request access, correction, or deletion of your personal information by emailing info@kinetikcap.com, subject to regulatory and record-retention requirements.

Marketing Opt-Out

You may opt out of marketing emails, calls, or text messages at any time.

• Marketing emails include an unsubscribe link

• Opting out does not stop transactional, service-related, or application communications

10. Cookies And Tracking Technologies

We use cookies and similar technologies for authentication, analytics, fraud prevention, and performance improvement. You may disable cookies in your browser, though certain site features may not function properly.

11. Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your information.

Bank credentials submitted through third-party platforms (such as Plaid) are not visible to Kinetik Capital.

12. Data Retention

We retain personal information:

• As long as necessary to provide services

• As required by law, typically 5 to 7 years for financial records

• To resolve disputes and enforce agreements

13. Blogs, Testimonials & Social Features

Any information you voluntarily share in public areas of our website or social platforms may be visible to others. You may request removal, and we will accommodate requests when reasonably possible.

14. Changes To This Policy

We may update this Privacy Policy at any time. Material changes may be communicated via email or posted on our website.

15. Contact Information

For privacy-related questions or requests, contact:

Kinetik Capital
3444 Marinatown Ln, Ste 18
North Fort Myers, FL 33903
Phone: 844-KINETIK (844-546-3845)
Email: info@kinetikcap.com

CALIFORNIA PRIVACY RIGHTS (CCPA / CPRA)

A. Categories Of Personal Information Collected

We do not sell personal information.

B. California Consumer Rights

California residents may request:

• Access to collected personal information

• Deletion of personal information

• Correction of inaccurate information

• Categories of personal information shared

• Copies of personal data

Requests may be submitted to:

📧 info@kinetikcap.com
📞 844-KINETIK

Identity verification is required prior to fulfilling requests.

C. Non-Discrimination

Kinetik Capital will not deny services, charge different prices, or provide a different level or quality of service because you exercise your privacy rights.