Privacy Policy

This Privacy Notice discloses the privacy practices for www.kgfacapital.net or www.lendinero.com or www.linktolender.comand applies to information collected by this web site and any other interaction that takes place with KGFA Capital Ventures Inc. dba Lendinero, LinktoLender and its subsidiaries (“KGFA Capital Ventures Inc. dba Lendinero, LinktoLender”) on one of our online platforms.

It will notify you of the following:

• What personally identifiable information is collected from you through the website, how it is used and with whom it may be shared.

• What choices are available to you regarding the use of your data.

• The security procedures in place to protect the misuse of your information.

• How you can correct any inaccuracies in the information.

We reserve the right to change this Privacy Notice from time to time. Your use of our site and submission of Personal Information online constitutes acceptance and understanding of this Statement as in effect at the time of your submission.

Email and Text Opt In or Opt Out 
If you fill out a loan application or an online form and you include your email and or cellular you agree to receive emails or text on loan application status updates, updates regarding services we may provide you as business consultants, additional information we may need to finalize a loan application or a business service.  On text messages data and rates may apply.  Message frequency varies. You can reply HELP for help or STOP to cancel and opt out from text messaging.  On emails you can opt out any time by clicking unsubscribe.  

What Information We Collect and What We Do With It

We do not collect personal identifiable information from visitors to our website unless you voluntarily decide to transmit information to us through one of the provided e-mail addresses or as part of an online application to provide business advisory services, business financial services, and or business financing.

However, we do use cookies to track your interactions with our site. Visitors are invited to apply for our products or services, make inquiries about our company and the services we provide, or to inquire about job opportunities. We will use the information you provide us in those communications to respond to your inquiry and to provide you with information relating to our company. With your permission we may also provide you with information about potential third-party services that we believe you may find of interest. We may also use your information to provide you with information about different products and services that we offer or an affiliated company may offer.

After we have obtained your permission, we may provide your personal information to third parties to allow these third parties to provide you with information relating to products or services that they may provide or might be of interest to you. We also disclose your personal information to contractors or service providers who provide services or perform functions on our behalf – for example, an information technology service provider or human resources consultant. Those contractors and service providers are permitted to use your personal information only for the purpose for which it has been provided and may not disclosure it to any other third party except at our express direction and consistent with this Privacy Statement.

Your Access to and Control Over Information

You can do the following at any time by contacting us via the email address or phone number given on our website:

• See what data we have about you, if any.

• Change/correct any data we have about you.

• Express any concern you have about our use of your data.

You can contact KGFA Capital Ventures Inc. dba Lendinero, LinktoLender regarding any privacy concerns you may have via email or our toll-free telephone number.

Email: info@kgfacapital.net  

Toll-Free Telephone Number: (888)505-5835

 

Cookies

We use “cookies” on this site and on other company related material. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and other material and identify repeat visitors. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.
 

Security

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

While we use encryption to protect sensitive information transmitted online in any form, we also protect your information offline. Only employees or authorized third-party contractors who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

If you feel that we are not abiding by this privacy policy, you should contact us via telephone at 888-505-5835 or via email at info@kgfacapital.net  

Mailing Address:

KGFA Capital Ventures Inc. dba Lendinero, LinktoLender
7950 N.W. 53rd St. 337, Doral FL 33166

Privacy Policy for California Residents

The below information applies solely to California residents, including business owners, who have visited our website, inquired or submitted an application for business financing to KGFA Capital Ventures Inc. dba Lendinero, LinktoLender and its subsidiaries (“KGFA Capital Ventures Inc. dba Lendinero, LinktoLender”) or have been referred to KGFA Capital Ventures Inc. dba Lendinero, LinktoLender by a third party and whose interactions with KGFA Capital Ventures Inc. dba Lendinero, LinktoLender are subject to the California Consumer Protection Act (“CCPA”) and California Privacy Rights Act (“CPRA”).

I. Why Do We Collect Your Personal Information?

KGFA Capital Ventures Inc. dba Lendinero, LinktoLender provides commercial financing to small businesses. In order to provide small business financing, we must collect information regarding the business as well as personal information from the business owner(s). Without obtaining this information, KGFA Capital Ventures Inc. dba Lendinero, LinktoLender would be unable to provide financing as it would not have the information necessary to underwrite a request for financing. Furthermore, KGFA Capital Ventures Inc. dba Lendinero, LinktoLender collects information regarding the business and personal information about the business owner(s) in order to improve the customer experience on our website, customer journey and client portal. KGFA Capital Ventures Inc. dba Lendinero, LinktoLender also collects this data in order to assist the business in obtaining commercial financing from KGFA Capital Ventures Inc. dba Lendinero, LinktoLender. The information collected is kept indefinitely, unless we receive a request to delete from the client.

II. What Personal Information Do We Collect?

KGFA Capital Ventures Inc. dba Lendinero, LinktoLender collects and maintains all information that the business owner(s) submits to KGFA Capital Ventures Inc. dba Lendinero, LinktoLender. This may include sensitive personal information about the business (e.g. business name, business address, business telephone number, business bank statements, credit card processing statements, federal tax identification number, financial statements, tax returns, email addresses, etc.) as well as sensitive personal information submitted by the business owner(s) to KGFA Capital Ventures Inc. dba Lendinero, LinktoLender (e.g. name, address, date of birth, driver’s license information, social security number, credit report information, telephone number, email addresses, etc.).

KGFA Capital Ventures Inc. dba Lendinero, LinktoLender may also collect sensitive personal information about the business applicant and owner(s) which KGFA Capital Ventures Inc. dba Lendinero, LinktoLender receives from third parties. This information may be obtained by KGFA Capital Ventures Inc. dba Lendinero, LinktoLender from a third party that refers the business and business owner(s) to KGFA Capital Ventures Inc. dba Lendinero, LinktoLender and such information may include everything listed above that KGFA Capital Ventures Inc. dba Lendinero, LinktoLender collects itself from businesses and their owners. This information may also be obtained by KGFA Capital Ventures Inc. dba Lendinero, LinktoLender from other third parties such as tax reporting services, bank account verification services, bank activity information providers, credit reporting services, landlords and neighbors, telephone number verification services, email verification services, IP address verification services, business status services, and credit card processing companies. KGFA Capital Ventures Inc. dba Lendinero, LinktoLender may disclose the aforementioned categories of personal information to third parties in order for third parties to provide commercial financing to the business or in order for third parties to assist KGFA Capital Ventures Inc. dba Lendinero, LinktoLender in its servicing or collection of past due accounts.

KGFA Capital Ventures Inc. dba Lendinero, LinktoLender also collects and maintains personal information that is indirectly provided to us by visiting our website(s) or any other online pages that we may maintain (whether accessed by computer or mobile phone). Specifically, KGFA Capital Ventures Inc. dba Lendinero, LinktoLender collects categories of information including: (i) information that is integral to maintaining the operation of our systems, which, for instance, helps us track which webpage you are viewing; (ii) marketing related scripts and cookies, such as how you got to our website; and (iii) user interaction scripts and cookies, which help us gather information on how you interact with our website. Furthermore, this includes information such as IP Addresses, browser information, any other information collected via cookies, and geolocation. We collect this information on visitors in order to improve the client experience and ensure that the client is able to pick up where they left off during a visit to our website.

III. Do We Sell Personal Information? NO, we do not sell your information. 

KGFA Capital Ventures Inc. dba Lendinero, LinktoLender does not sell any personal information to third parties. KGFA Capital Ventures Inc. dba Lendinero, LinktoLender may share personal information to its service providers who have a need to know the information to assist KGFA Capital Ventures Inc. dba Lendinero, LinktoLender and to third parties who will assist a small business applicant in obtaining financing for the business and will do so only with the business’s express written or verbal authorization.

KGFA Capital Ventures Inc. dba Lendinero, LinktoLender only provides commercial financing to businesses whose owners are eighteen (18) years or older and therefore does not collect nor sell the personal information of minors.

IV. Right to Know and Right to Access

Under the CCPA, a business owner residing in California has the right to request that KGFA Capital Ventures Inc. dba Lendinero, LinktoLender disclose what personal information it has collected, used, or disclosed about the business owner over the past 12 months. A business owner may submit a request to know up to twice a year, free of charge. A business owner that submits personal information to KGFA Capital Ventures Inc. dba Lendinero, LinktoLender can either personally or through an authorized agent, request the disclosure of the personal information that KGFA Capital Ventures Inc. dba Lendinero, LinktoLender collected and maintained within the previous twelve (12) months.

A business owner, or their authorized agent, that submits personal information to KGFA Capital Ventures Inc. dba Lendinero, LinktoLender may request the disclosure of personal information by submitting a verifiable request for information to:  info@kgfacapital.net, or by calling our toll-free privacy telephone number: 888-505-5835.  In order to be a verifiable request for information, the email or phone call must provide the following information: business name; business’s owner’s name; business address, business owner’s home address; business email, business owner’s email; business telephone number, and business owner’s telephone number.

Within ten (10) days after receipt of the verifiable information request, KGFA Capital Ventures Inc. dba Lendinero, LinktoLender will confirm that it is in receipt of the request and will utilize the information provided to lookup the relevant information in its internal systems so that it may determine what personal information of the business owner(s) KGFA Capital Ventures Inc. dba Lendinero, LinktoLender collected and maintains. KGFA Capital Ventures Inc. dba Lendinero, LinktoLender will respond to the request within forty-five (45) days after receipt of the request; however, if necessary, KGFA Capital Ventures Inc. dba Lendinero, LinktoLender may utilize an additional forty-five (45) days to respond to the request and will provide you with notice of the additional time.

V. Right to Request Deletion of Personal Information

Under the CCPA, a business owner residing in California, or their authorized agent, has the right to request that KGFA Capital Ventures Inc. dba Lendinero, LinktoLender delete the personal information it has collected and maintains about the business owner(s). A business owner, or their authorized agent, may request the deletion of the personal information that KGFA Capital Ventures Inc. dba Lendinero, LinktoLender collected and maintains within the preceding twelve (12) months.

A business owner, or their authorized agent, may request the deletion of personal information, by submitting a
verifiable request for deletion to: info@kgfacapital.net or by calling our toll-free privacy telephone number at: (888) 505-5835.  

In order to be a verifiable request for deletion, the email must include the following: business name; business’s owner’s name; business address, business owner’s home address; business email, business owner’s email; business telephone number, and business owner’s telephone number. Within ten (10) days after receipt of the verifiable deletion request received from the individual either by telephone or by email KGFA Capital Ventures Inc. dba Lendinero, LinktoLender will confirm that it is in receipt of the request and will utilize the information provided to lookup the business owner’s information in its internal systems so that it may determine what personal information of the business KGFA Capital Ventures Inc. dba Lendinero, LinktoLender collected and maintains. KGFA Capital Ventures Inc. dba Lendinero, LinktoLender will respond to the request within forty-five (45) days after receipt of the request; however, if necessary, KGFA Capital Ventures Inc. dba Lendinero, LinktoLender and its subsidiaries may utilize an additional forty-five (45) days to respond to the request and will provide you with notice of the additional time.

KGFA Capital Ventures Inc. dba Lendinero, LinktoLender will not delete the business owner’s personal information to the extent the information is used: (1) to render a decision related to a financing request; (2) to service an outstanding financing product; (3) to prevent fraudulent or illegal activity; (4) for KGFA Capital Ventures Inc. dba Lendinero, LinktoLender’s internal use related to your relationship with KGFA Capital Ventures Inc. dba Lendinero, LinktoLender as well as KGFA Capital Ventures Inc. dba Lendinero, LinktoLender’s development of underwriting models, risk models, marketing models, and collection models; (5) for accounting or tax purposes and to comply with a legal obligation; or (6) for KGFA Capital Ventures Inc. dba Lendinero, LinktoLender’s internal use in a lawful manner that is compatible with the context in which the business owner(s) provided the personal information.

VI. Right to Opt-Out of Sale of Personal Information

Under the CCPA, a business owner residing in California, or their authorized agent, has the right to direct KGFA Capital Ventures Inc. dba Lendinero, LinktoLender to not to sell your personal information (the “right to opt-out”). KGFA Capital Ventures Inc. dba Lendinero, LinktoLender does not and will not sell personal information of business owners or their authorized agents.

VII. Right of Non-Discrimination

KGFA Capital Ventures Inc. dba Lendinero, LinktoLender does not discriminate against any small business or small business owner(s) that exercises their right under the CCPA.  Any small business or small business owner(s) that exercises their rights under the CCPA shall be treated the same as a small business or small business owner(s) that did not exercise its rights under the CCPA.

If you have any questions or concerns regarding KGFA Capital Ventures Inc. dba Lendinero, LinktoLender’s business practices and Privacy Policy for California Residents, please contact us at: info@kgfacapital.net, or you can call our toll-free privacy telephone number at: 888-505-5835.

Mailing Address:

KGFA Capital Ventures Inc. dba Lendinero, LinktoLender
Attn: Legal
7950 N.W. 53rd Street 337
Doral, FL 33166

This Privacy Policy for California Residents was last updated on December 31, 2022.