Your Small Business partner since 2013
$100M+
Funded
12k+
Small Businesses
A+
Rating
Effective Date: 09/25/2025
Fusion Capital Privacy Policy
Fusion Capital (“we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or engage with us for small business loan services.
By using our services or accessing our website, you consent to the practices described in this Privacy Policy.
1. Information We Collect
We may collect the following categories of personal information:
A. Personal Identifiers
- Full name
- Business name
- Social Security number (SSN) or Tax Identification Number (TIN)
- Driver’s license or government-issued ID
- Date of birth
- Business and personal address
- Phone number
- Email address
B. Financial Information
- Bank account information
- Business financial statements
- Business tax returns
- Revenue data
- Loan repayment history
C. Commercial Information
- Products or services purchased from us
- Business operating details
- Business ownership structure
D. Internet or Other Electronic Network Activity
- IP address
- Device information
- Browser type
- Browser Referring/exit pages
- Date and time of visit
- Cookies and tracking technologies
2. How We Use Your Information
We may use the personal information we collect for the following purposes:
- To evaluate and process loan applications
- To verify your identity and conduct credit checks
- To assess creditworthiness and business risk
- To underwrite and service loans
- To provide customer support
- To improve our services, website, and user experience
- To detect and prevent fraud and unauthorized activities
- To comply with legal and regulatory requirements
- To send promotional materials or communications (where permitted by law)
3. How We Share Your Information
We do not sell your personal information. However, we may share your information with the following categories of third parties:
A. Service Providers
- Credit bureaus
- Data verification services
- Underwriting partners
- Payment processors
- Cloud hosting providers
- Legal and accounting advisors
B. Affiliates and Business Partners
- For joint marketing or co-branded financial products
- As required to complete loan transactions
C. Government and Regulatory Agencies
- To comply with subpoenas, court orders, or legal investigations
- To report suspicious or potentially fraudulent activity
4. Data Security
We implement reasonable physical, administrative, and technical safeguards to protect your personal information. These include:
- Data encryption (in transit and at rest)
- Firewalls and secure server environments
- Limited access to personal data by authorized personnel only
However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.
5. Data Retention
We retain your personal information for as long as necessary to:
- Provide services and support
- Comply with legal obligations
- Resolve disputes
- Enforce our agreements
6. Your Rights and Choices
Depending on your location, you may have the following rights:
- Access: Request a copy of your personal information
- Correction: Request corrections to inaccurate information
- Deletion: Request deletion of your personal data, subject to exceptions
- Opt-Out: Opt-out of receiving marketing communications
- Limit Use: Limit use of sensitive personal information (California only)
To exercise these rights, please contact us at:
7. California Privacy Rights (CCPA/CPRA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).
Categories of Personal Information Collected (Past 12 Months)
| Category | Collected | Purpose | Shared |
|---|---|---|---|
| Identifiers | ✅ | Application processing, verification | ✅ |
| Financial Information | ✅ | Loan underwriting, servicing | ✅ |
| Commercial Information | ✅ | Risk evaluation, service personalization | ✅ |
| Internet Activity | ✅ | Website analytics, security | ✅ |
| Geolocation | ❌ | N/A | ❌ |
| Professional/Employment Info | ✅ | Business qualification | ✅ |
| Sensitive Personal Info (e.g., SSN) | ✅ | Identity verification, loan eligibility | ✅ |
Your CCPA/CPRA Rights
As a California resident, you have the right to:
- Know what categories and specific pieces of personal information we collect
- Request deletion of your personal information (with exceptions)
- Opt out of sharing or selling personal information (Fusion Capital does not sell personal data)
- Limit use and disclosure of sensitive personal information
- Non-discrimination for exercising your privacy rights