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. SMS/TEXT MESSAGE CONSENT (TCPA DISCLOSURE)


By providing your phone number to Kinetik Capital, you consent to receive calls and text messages regarding account support, application updates, and marketing. Message and data rates may apply. Frequency varies.

Reply STOP to opt out.
Consent is not required to apply for or obtain financing.

 

3. Information We Collect

A. Information You Provide
  • Name and contact information
  • Business details (name, address, industry, ownership)
  • Email, phone number
  • Uploaded bank statements
  • Financial details such as revenue, balances, deposits
  • EIN / SSN (if acting as guarantor)*
  • Beneficial ownership information (required by federal law)
B. Automatically Collected Information
  • IP address
  • Browser and device information
  • Pages visited
  • Cookies and usage analytics
C. Information from Third Parties
  • Bank verification platforms (e.g., Plaid)
  • Identity verification tools
  • Lending Partners
  • Public databases

 

4. Sensitive Personal Information


We may collect Sensitive Information (e.g., SSN, bank data) solely to assist in transmitting your application to Lending Partners.
We do not sell this 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 legitimacy of your business
  • Communicate application status
  • Prevent fraud
  • Meet legal and compliance obligations
  • Perform analytics and improve services

 

6. How We Share Your Information
 
✔️ Broker-specific disclosure


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

We may share your information with:

  • Lending Partners – to evaluate and underwrite your financing request
  • Service providers – CRM systems, verification tools, analytics providers
  • Compliance vendors – fraud and identity screening tools
  • Professional advisors – attorneys, auditors, consultants when necessary

We do NOT:

  • Sell your personal information
  • Share SMS opt-in data with unaffiliated marketers
  • Allow unrelated third-party marketing

Credit Reports
Kinetik Capital does NOT pull personal credit.
However, Lending Partners may pull personal or business credit in accordance with the Fair Credit Reporting Act (FCRA).

 

7. Relationship With Lending Partners


Once information is sent to a Lending Partner:

  • Their privacy policy governs their use of information
  • They may contact you directly
  • They may perform credit checks
  • Kinetik Capital does not control partner privacy practices.

8. Compensation Disclosure


Kinetik Capital may receive compensation from Lending Partners when financing is successfully funded.
This does not affect the pricing or terms you are offered.

 

9. Your Choices and Rights


Update or Correct Your Information
Email info@kinetikcap.com to request corrections or deletion (subject to regulatory retention rules).

Marketing Opt-Out
You may opt out of marketing emails, calls, or texts at any time.
Opting out does not stop application-related communications.

 

10. Cookies and Tracking Technologies


We use cookies and similar tools for authentication, analytics, fraud detection, and performance improvement.
You can disable cookies, though some functions may not work.

 

11. Security


We use commercially reasonable security measures to protect your data.
Bank credentials submitted through third-party platforms (e.g., Plaid) are not visible to Kinetik Capital.

 

12. Data Retention


We retain information:

  • As long as necessary to provide services
  • As required by law (typically 5–7 years for financial records)
  • To resolve disputes
13. Blogs, Testimonials & Social Features


Information shared publicly may be visible to others.
You may request removal; we will accommodate when feasible.

 

14. Changes to This Policy


We may update this Privacy Policy at any time.
Material changes may be communicated by email.

 

15. Contact Information


For questions or privacy 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


Category Examples Shared With Purpose
Identifiers Name, SSN, EIN, IP Lending Partners, service providers Application processing
Personal info Contact info, bank data, financials Lending Partners Underwriting
Commercial data Revenue, transactions Lending Partners Evaluating financing
Internet activity Device ID, pages visited Analytics providers Website performance
Geolocation IP-based location Fraud tools Fraud prevention
Professional info Business ownership, role Lending Partners Application review
Inferences Creditworthiness indicators Lending Partners Underwriting
We do not sell personal information.

 

B. California Rights


You may request:

  • Access to collected data
  • Deletion of data
  • Correction
  • Categories of data shared
  • Copies of personal data
  • Submit requests to:
    📧 info@kinetikcap.com
    📞 844-KINETIK

Identity verification is required.

 

C. Non-Discrimination


We will not deny services, change pricing, or provide different service levels because you exercise privacy rights.