Privacy Policy

Effective: November 8, 2026

General

We know that your privacy is important to you, and we work hard to earn and keep your trust. Investor Capital, LLC, together with its affiliates (collectively, "Company," "we," "us," and "our"), respects your privacy and is committed to protecting it through our compliance with this Privacy Policy (the "Policy"). The words "you" and "your" refer to you as a visitor or user of the Website (defined below).

This Policy describes the types of information we collect from you or that you may provide when you visit our website(s) available at https://www.investorcapital.com/, as well as any other websites directly owned by, or operated by or on behalf of, the Company where this Policy is linked (collectively, our "Website"), and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This Policy does not apply to information collected by us offline or through any other means, including on any other website operated by the Company where this Policy is not linked or by any third party, or information collected by any third party through any application or content (including advertising) that may link to or be accessible from the Website (see "Third-Party Websites" below).

Please read this Policy carefully. If you do not agree with our policies and practices, please do not use our Website. By using our Website, you agree to the terms of this Policy. This Policy may change from time to time (see "Changes to This Policy" below). Your continued use of our Website after we make changes is deemed acceptance of those changes, so please check the Policy periodically for updates.

Additional Terms

This Policy is incorporated by reference and should be read together with the Company's Terms of Service, DMCA Notice, Accessibility Statement and Licensing Information.

The Information We Collect

Personal Information. To ensure that we provide you with the best possible experience, we will store, use, and disclose personal information about you in accordance with this Policy. Personal information is information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular user, household or device ("Personal Information"). The Personal Information we receive and collect depends on what you do when you visit our Website.

Information of Other Individuals. You may have the opportunity to provide information of other individuals, such as a co-borrower or guarantor. When providing such information, you are solely responsible for obtaining the necessary consents and authorizations from those individuals in accordance with applicable law, and the Company is not responsible for your failure to obtain them.

Aggregated and De-Identified Data. We may collect, use and disclose aggregated and de-identified data, such as statistical or demographic data, for any purpose. This data could be derived from your Personal Information but is not considered Personal Information under applicable law because it does not directly or indirectly reveal your identity. If we combine or connect aggregated or de-identified data with your Personal Information so that it can identify you, we treat the combined data as Personal Information and use it in accordance with this Policy.

Free-Text Boxes. In some cases you may provide Personal Information through email or free text boxes, such as when you contact us to request a loan quote or more information. Please provide only relevant information, and do not provide unnecessary sensitive information such as Social Security numbers, bank or credit card information, or other sensitive personal data through the Website unless we specifically request it through a secure process.

Recording Use of the Website. We partner with trusted third-party vendors to analyze performance and traffic on our Website. This may include things like buttons you click, mouse movements and other behavior on the Website, date and time of access, pages visited, web beacons, and cookie or pixel tag information. See "Cookies and Similar Technologies" below.

Information We May Collect on the Website

We may obtain the Personal Information listed above from the following categories of sources:

• Directly from you. For example, when you request a loan quote or submit our short form, call or text us, subscribe to one of our e-newsletters, or otherwise communicate with us.
• Indirectly from you. For example, through information we collect from you in the course of providing our services to you.
• Directly and indirectly from activity on our Website. For example, from Website usage details that are collected automatically. See "Cookies and Similar Technologies" below.
• Third-party sources. We may collect information about you from third-party sources, such as public sources, credit reporting and title or valuation vendors (as applicable to a loan request), and our business partners.

Financial Information and Loan Applicants

If you move forward with a loan request, we may collect additional nonpublic personal information needed to evaluate and service the loan, such as information about you and your entity, the property, your financial condition and credit history, and information from consumer reporting agencies, title, appraisal and other vendors. We collect this information to evaluate, underwrite, close and service loans, to prevent fraud, and to comply with law. We do not sell this information. We share it only with affiliates and service providers who help us operate, with parties you ask us to deal with, and as permitted or required by law. Our loans are made for business and investment purposes, and a separate notice or disclosure may be provided at application where required by the laws that apply to your loan.

Cookies and Similar Technologies

In addition to the information that you provide to us, we may also collect information about you during your visit to our Website using automated tools. These tools may collect information about your behavior and your computer system, such as your internet address (IP address), device identifier, browser type and language, operating system, date and time stamp, session ID, internet service provider, the pages you have viewed, and the actions you have taken while using the Website.

We may use this automatically collected information to conduct analyses about our Website; associate the different devices you use; remember your browser, device, preferences and interactions; deliver relevant advertisements or other content; market our services to you; and log activity on our Website. We may use these technologies for providing our Website and services, security, authentication, analytics, product or service improvement, advertising, fraud detection, and similar purposes.

• Cookies. A "cookie" is a small data file transmitted from a website to your device. Session cookies do not stay on your device after you close your browser. Persistent cookies remain until you delete them or they expire. We may use either or both.
• Analytics Services. Our Website may use Google Tag Manager, Google Analytics and similar services for audience measurement and analytics. These services may use cookies or similar technologies to help us analyze how visitors use the Website, including how often you visit, which pages you view, and what sites you visited before ours. Information generated by these services may be transmitted to and stored by their providers. To opt out of Google Analytics, you may install the Google Analytics Opt-out Browser Add-on.
• Advertising Services. We may use service providers and partners such as Google Ads, Microsoft Advertising and Meta to serve advertisements on our behalf on the Website and across the internet and to track and report on their performance. Data collected by these providers is subject to their own privacy policies.
• Web Beacons. A web beacon is an electronic image that can report activity back to a web server, helping us understand some of your behavior. If you choose to receive emails from us, we may use web beacons to track your reaction to our emails, including whether and when you click links.
• Embedded Web Links. Links in our emails may include tracking technology that lets us understand how the link is used. Some links identify that you personally clicked, and this may be associated with Personal Information we hold about you.

If you do not wish to have cookies on your devices, you may turn them off at any time by modifying your browser or device settings. Your browser or device may also offer add-ons or extensions to manage cookies and similar technologies. Mobile devices generate an advertising identifier that can be accessed by apps and used by advertisers much as cookies are used on websites; each operating system provides options to limit tracking and reset the advertising ID. If you disable cookies you may lose access to some Website features.

You may opt out of interest-based advertising from members of the Digital Advertising Alliance (DAA) at optout.aboutads.info or youradchoices.com. If you are in Canada or Europe, visit the Digital Advertising Alliance of Canada or the European Digital Advertising Alliance. You may need to opt out on each browser or device you use. Opting out does not mean you will stop seeing ads online, only that participating companies will stop showing ads tailored to your interests.

How We Use Your Information

The information we gather and that you provide is collected to provide you the information and services you request, and for other purposes, including:

• security, credit or fraud prevention purposes;
• responding to your loan requests and providing effective customer service and support;
• providing you with a personalized experience when you use the Website;
• developing new products and services;
• contacting you with information and offers we believe will interest you, in accordance with your privacy preferences;
• contacting you with information and notices related to your use of the Website;
• inviting you to participate in surveys and providing feedback to us;
• better understanding your needs and interests;
• improving the content, functionality and usability of the Website, and our products, services, marketing and promotional efforts;
• de-identifying information we collect about you and using it for any purpose in accordance with applicable law; and
• any other purpose identified at the point of data collection, in an applicable privacy notice, in a click-through agreement, or in any other agreement between you and us.

Duration. We intend to retain Personal Information for as long as reasonably necessary to carry out the business purpose for which it was collected, and as required by law.

How We Disclose Your Information

We may disclose your Personal Information to third parties for a business purpose, including:

• Our Affiliates. We may disclose information collected through the Website to our affiliates, subsidiaries and other related entities in order to provide our products and services and effective customer support.
• Third-party Service Providers. We disclose Personal Information to service providers who act for or on behalf of the Company, such as providers of website hosting, software development, website and data analytics, information technology and related infrastructure, customer service, email and text message delivery, loan processing, title, valuation and credit services, and auditing.
• Other Carefully Selected Business Partners. From time to time we may disclose Personal Information to selected third parties (other than our service providers), such as lenders, capital providers, title companies or other parties that help fund, close or service a loan you request. These parties are independent companies, and their use of Personal Information is governed by their own privacy policies.

Except as described in this Policy, we will not disclose your information to other third parties without your notice and consent, unless:

• we believe disclosure is reasonably necessary to comply with any applicable law, regulation, subpoena or court order;
• to respond to duly authorized information requests from law enforcement or other governmental authorities, or to respond to examinations by our regulators;
• to enforce our agreements or policies;
• to investigate and prevent security threats, fraud or other malicious activity;
• to respond to an emergency that we believe in good faith requires disclosure to assist in preventing death or serious bodily injury; or
• in connection with the sale, merger or reorganization of all or part of our business, in which case we will ensure your information is used in accordance with this Policy.

We may also aggregate or de-identify the data we collect for analytics, research, marketing and other business interests. Such use will not include Personal Information or information that can reasonably be used to identify you.

Communication Preferences

By submitting a request or inquiry through the Website, you provide your express written consent to be contacted by us, our affiliates and related entities, and third parties acting on our behalf, for any reason, including marketing, at the email address or telephone number you provide. Methods of communication may include pre-recorded or artificial voice message calls, text messages, and calls made by an automated dialing system. Consent is not required to obtain any of our services. You agree that your submitted request or inquiry acts as your electronic signature for this consent. Message and data rates from your network provider may apply.

If we provide subscription-based services such as email newsletters, we will allow you to make choices about what information you provide at the point of collection or at any time while subscribed. Transactional or service messages, such as loan status updates, are usually excluded from these preferences because they are required to respond to your requests or provide services, and are not marketing.

From time to time we may send you email newsletters and marketing emails. You may opt out at any time by selecting the "unsubscribe" link at the bottom of each email. Even if you opt out of marketing, we may still contact you with important information about your account or to respond to your requests.

We may use artificial intelligence (AI) technologies, such as AI-powered agents, to assist in communications with you, including by phone, text message, email, social media or other channels. These systems are designed to improve efficiency and your experience. By engaging with our services, you acknowledge and consent to the use of AI in these communications. AI communications and services may be provided on our behalf by contracted service providers.

Text Messaging

You may have the opportunity to receive SMS or text messages, pre-recorded voice messages or auto-dialed phone calls from the Company, its affiliates and related entities, and third parties. Such messaging may be used to authenticate your identity or mobile device and to provide updates about services you request. By providing your mobile number to the Company you knowingly consent to such communications. You represent that you have the authority to agree to receive text messages at that number. You further acknowledge that (a) no purchase is required to opt in to this service; (b) you may opt out at any time by following the instructions in our communications; and (c) your receipt of text messages may result in separate charges from your mobile provider.

You may withdraw consent or opt out of communications at any time by any reasonable means, including emailing us at Info@investorcapital.com, providing written notice to Investor Capital, LLC, 5612 International Parkway, New Hope, Minnesota 55428, calling 763-314-3278, or replying STOP to text messages from us.

Mailing Preferences

We may send you physical mail regarding our services, updates or other relevant information. If you prefer not to receive it, contact us at Info@investorcapital.com with your full name and mailing address.

Access, Correct and Delete Your Personal Information

To request access to, correction of, or deletion of your Personal Information, contact us at Info@investorcapital.com. Before we process your request we may need to verify your identity. Certain laws and regulations may require us to retain specific Personal Information or limit the scope of your request, and in that case we will tell you about any restrictions that apply.

Information of Minors

Our Website and services are for business and investment purposes and are not directed to minors. We do not intentionally collect information from individuals under the age of thirteen (13). If we become aware that we have collected Personal Information about a minor, we will take steps to securely remove it from our systems.

Feedback

We welcome inquiries and feedback on our services. Any inquiries, feedback, suggestions or ideas you provide ("Feedback") will be treated as non-proprietary and non-confidential. We may use your Feedback in advertising and other promotions, with or without your name, and may or may not seek your consent first. You should not submit any content you do not wish to make available to others. Your Feedback must comply with our Terms of Service and must not violate the privacy or other rights of others or use false identifying information.

Third-Party Websites

This Policy does not apply to websites or other domains maintained or operated by third parties. Our Website may link to third-party websites and services, for example if you click an advertisement. These links are not endorsements, and this Policy does not extend to those sites. We encourage you to read the privacy policy of any third-party site before providing information.

Your Consumer Rights

If you are a Minnesota, Nebraska or Texas resident, you may have certain rights with respect to your Personal Information (also known as "personal data") under the Minnesota Consumer Data Privacy Act, the Nebraska Data Privacy Act and the Texas Data Privacy and Security Act. Personal Information we collect is collected for the commercial purpose of providing our services and enabling you to learn about them. Subject to applicable law and verification of your identity, you may exercise the following rights:

• Know. You have a right to know what information we have collected about you.
• Correction. You may request that we correct your Personal Information.
• Portability. Upon request and when possible, we can provide copies of your Personal Information. When we cannot honor a request, we will advise you.
• Deletion. You may request that we delete your Personal Information, subject to certain exceptions.
• Third-party disclosures. As a Minnesota resident, you may request a list of the third parties to which we have disclosed Personal Information.
• Opt out of profiling, sale and targeted advertising. You may ask us not to sell your Personal Information, share it for targeted advertising, or use it for profiling. We do not sell your Personal Information, but we may use it for targeted advertising. You may opt out of targeted advertising by emailing us at Info@investorcapital.com or by using the opt-out tools described under "Cookies and Similar Technologies."
• Question profiling. You may question the results of profiling used for decisions that produce legal or similarly significant effects, and request information about the logic involved.
• Non-discrimination. If you exercise your rights, we will not discriminate against you by denying goods or services, charging different prices or rates, providing a different level or quality of service, or taking any other adverse action.

Exercising your rights. Email Info@investorcapital.com or call 763-314-3278. Only you, or someone legally authorized to act on your behalf, may make a request related to your Personal Information. If an authorized agent makes a request for you, we may require proof of permission. We will confirm receipt by email, may take steps to verify your identity, and may separately confirm a deletion request before acting on it. We will respond within forty-five (45) days. If we need more time we will tell you the reason and extension period in writing.

Right to appeal. You may appeal our denial of a request by contacting us at Info@investorcapital.com.

In some cases our ability to uphold these rights depends on our obligations to process Personal Information for security, safety, fraud prevention, compliance with regulatory or legal requirements, or because processing is necessary to deliver the services you requested. Where that is the case we will give you specific details in response to your request. Information we collect to provide a financial product or service may be subject to exemptions under these laws.

Location of Our Website and Services

We do not warrant or represent that this Policy or the Website's use of your Personal Information complies with the laws of every jurisdiction. To provide our services, we may store, process and transmit information in the United States and other locations, including countries that may not have the same privacy and security laws as yours. Regardless of location, we will process your Personal Information in accordance with this Policy.

Safeguarding the Information We Collect

We use reasonable technical, administrative and physical safeguards to protect your Personal Information against accidental loss and unauthorized access, use, alteration and disclosure. However, we can never promise 100% security. Please notify us immediately of any actual or suspected unauthorized use of the Website or your information.

Changes to This Policy

This Policy describes our current policies and practices regarding information we collect through the Website. If we make changes, we will post a revised Policy on this page and update the effective date above. You can reach this page from any page on the Website through the "Privacy Policy" link in the footer. We may also contact you by email using the address you provided.

How to Contact Us

To contact us about this Policy or your Personal Information:

Investor Capital, LLC
5612 International Parkway
New Hope, Minnesota 55428
Phone: 763-314-3278
Email: Info@investorcapital.com

NMLS ID 2530357. Licensing information.