Apply for Funding →This Privacy Policy explains how Cognitia Credit Solutions LLC collects, uses, discloses, protects, and retains information in connection with its website, business-financing inquiries and applications, communications, and related Services.
CCS may collect information you provide directly, including contact and business information. The initial public application is limited to fields such as name, business name, phone, email, state, industry, entity type, product interest, requested amount, purpose of funds, monthly revenue, time in business, estimated credit score, and consent selections. If you continue the financing process, we may later request business financial information, ownership information, guarantor information, bank statements, financial statements, tax documents, identification, or other documentation reasonably needed for a financing request. We also may receive communications, device/browser information, security logs, and information from financing providers or service providers.
We may use information to provide and administer the Services; review financing needs; perform preliminary eligibility and matching; identify and communicate with potential providers; transmit authorized applications and documents; verify information; prevent fraud; comply with legal and contractual obligations; provide support; secure and improve our systems; maintain records; establish or defend legal claims; and perform aggregate or de-identified analytics. Marketing communications are used only where permitted and subject to applicable consent and opt-out requirements.
CCS may use software, automated workflows, algorithms, or AI-assisted tools to organize information, extract or classify data, identify missing items, support preliminary eligibility analysis, rank potential providers, assist customer service, or support internal operations. These tools do not make a financing provider’s final underwriting decision. Before confidential applicant information is introduced into a third-party tool, CCS intends to evaluate the tool and its data practices. CCS does not intend to use identifiable confidential applicant information to train publicly available generative-AI models.
We may disclose information to selected financing providers when reasonably necessary to evaluate or process a financing request; to vendors and service providers that support hosting, communications, security, document processing, analytics, or operations; to professional advisers, regulators, law enforcement, or other parties when required or appropriate for legal, compliance, security, or fraud-prevention purposes; and in connection with a merger, financing, acquisition, reorganization, or sale of business assets, subject to applicable law.
CCS does not sell personal information or leads and does not share personal information for cross-context behavioral advertising. Sending information to financing providers at your request so they can evaluate financing is part of providing the Services and is not treated by CCS as a sale of your lead. CCS does not sell or share SMS opt-in data or mobile numbers with third parties or affiliates for their own marketing or promotional purposes.
A financing provider or CCS may request a consumer or business credit report when appropriate and when there is a lawful basis and any required authorization. This Privacy Policy is not itself a consumer-report authorization. A separate authorization may be presented when required.
Certain financial information may be subject to additional federal or state privacy, safeguarding, contractual, or provider requirements depending on the transaction and the role of the parties. CCS intends to handle such information according to requirements that apply to the relevant activity.
CCS intends to maintain reasonable measures designed to protect personal information and to dispose of records containing personal information appropriately, consistent with applicable Florida law, including Florida Statutes section 501.171 where applicable. If a security incident triggers legal notification duties, CCS will respond in accordance with applicable requirements.
The website may use essential cookies, local storage, functionality tools, analytics, or security technologies. Before material analytics or advertising technologies are introduced, CCS intends to identify and configure them consistent with this Policy and applicable consent requirements. CCS does not intend to use session-replay or keystroke-capture technologies on sensitive application fields.
We may send service-related emails about your inquiry or application. Marketing email, if used, will include opt-out mechanisms as required by applicable law.
Where required, CCS obtains separate consent before sending text messages. SMS consent is optional and is not a condition of receiving Services. Message frequency varies and message/data rates may apply. Reply STOP to opt out and HELP for help. CCS does not sell or share SMS opt-in data or mobile numbers for third-party or affiliate marketing. Communications vendors may process data as necessary to deliver messages for CCS. Carriers are not liable for delayed or undelivered messages.
CCS uses or intends to use administrative, technical, and physical safeguards appropriate to the nature of the information and the Services. Depending on the system, safeguards may include access controls, authentication, secure transmission, protected storage, restricted permissions, secure document handling, monitoring, and incident-response procedures. No security method is perfect, and CCS cannot guarantee absolute security.
CCS seeks to collect information reasonably necessary for the relevant financing or operational purpose. The initial public application is not designed to collect SSNs, bank login credentials, bank statements, tax returns, government IDs, or similar sensitive documents. If later required, use only the collection method designated by CCS.
CCS retains information for periods that vary based on the category of information, purpose of collection, application or transaction status, provider or contractual requirements, legal obligations, dispute needs, security considerations, sensitivity, and legitimate business needs. CCS maintains or intends to maintain an internal retention schedule and will delete, destroy, de-identify, or anonymize information when it is no longer reasonably needed, subject to applicable requirements.
Subject to applicable law and exceptions, you may ask CCS to access, correct, or delete certain information, update communications preferences, or withdraw consent where withdrawal is available. CCS may need to verify your identity and may retain information when legally or operationally required.
Browser “Do Not Track” signals are not interpreted uniformly across the industry. CCS will respond to legally recognized preference signals when and to the extent required by applicable law.
The Services are intended for adults acting for businesses and are not directed to children under 18. CCS does not knowingly seek personal information from children through the business-financing application.
If CCS discovers a security incident involving protected information, it will investigate, contain, remediate, document, and provide notices when required by applicable law.
The Services may link to or interact with third-party providers. Their privacy practices and terms are governed by their own policies, and CCS does not control them.
CCS currently offers its Services to Florida businesses. Information may be processed or stored in the United States by CCS and its service providers. CCS may change or expand its service area in the future and update this Policy accordingly.
If CCS later offers Services in additional jurisdictions, additional privacy rights or notices may apply. CCS will update its practices and notices as reasonably necessary for those jurisdictions.
CCS may amend, revise, supplement, or replace this Privacy Policy periodically to reflect changes in law, Services, technology, security, vendors, operations, or business practices. The revised Policy will show its Last Updated date. CCS will provide additional notice or obtain renewed consent when required by law or appropriate for a material change, and will not apply changes retroactively where prohibited.
Contact us at privacy@cognitiacreditsolutions.com, call (754) 219-8946, or mail your request to Cognitia Credit Solutions LLC, Attn: Privacy & Compliance, 3520 Polk St, Apt 3, Hollywood, FL 33021. Please provide enough information for us to identify and respond to your request. We may verify identity or authority before acting.
Cognitia Credit Solutions LLC
Attn: Privacy & Compliance
3520 Polk St, Apt 3, Hollywood, FL 33021
Email: privacy@cognitiacreditsolutions.com
Telephone: (754) 219-8946
Website: cognitiacreditsolutions.com