RUO Cap

Privacy Policy

Effective Date: July 8, 2026.

RUO Cap ("RUO Cap," "we," "our," or "us") respects your privacy and is committed to protecting the information you provide when using our website, services, and application platform. This Privacy Policy explains what information we collect, how we use it, who we share it with, and the choices you have regarding your information. By using our website or submitting an application, you agree to the practices described in this Privacy Policy.

1. Who We Are

RUO Cap is a capital access and funding solutions company that helps qualified businesses and individuals identify financing opportunities by reviewing applications, matching applicants with participating lending partners, and assisting throughout the funding process. RUO Cap is not a bank or direct lender. Financing decisions are made solely by participating lending institutions.

2. Information We Collect

Depending on the services you request, we may collect the following information.

Personal Information

  • Name
  • Business name
  • Email address
  • Phone number
  • Mailing address
  • Job title
  • Date of birth (when applicable)

Business Information

  • Business entity name
  • Industry
  • Time in business
  • Annual gross revenue
  • Monthly revenue
  • Number of employees
  • Business ownership information
  • Tax identification information (when required)

Financial Information

When applying for financing, we may collect:

  • Estimated funding request
  • Business bank statements
  • Personal bank statements (for personal loan programs)
  • Credit report provided by the applicant
  • Income documentation
  • Financial statements
  • Tax documents (if required by participating lenders)
  • Existing debt information

Uploaded Documents

You may voluntarily upload documents including:

  • Identification documents
  • Bank statements
  • Financial reports
  • Business licenses
  • Articles of incorporation
  • Tax documentation
  • Supporting underwriting documentation

Account Information

If you create an Applicant Portal account, we may collect:

  • Username
  • Encrypted password
  • Login history
  • Account preferences
  • Application status information

Passwords are encrypted and are never stored in plain text.

3. Payment Information

Certain services offered by RUO Cap may require payment, including enrollment in our Capital Access Program. Payments are processed through secure third-party payment processors. RUO Cap does not store complete payment card numbers or sensitive payment credentials on our servers.

4. How We Use Your Information

We use your information to:

  • Review funding eligibility
  • Evaluate applications
  • Match applicants with appropriate lending partners
  • Submit funding packages for underwriting
  • Verify identity
  • Request additional documentation
  • Create and manage applicant accounts
  • Update application status
  • Send application-related emails and text messages
  • Process payments
  • Improve our services
  • Prevent fraud
  • Maintain website security
  • Comply with legal obligations

5. Lending Partner Information Sharing

By submitting a funding application, you authorize RUO Cap to share your application and supporting documentation with one or more participating lending partners for underwriting and financing evaluation. Information shared may include:

  • Application details
  • Business information
  • Financial information
  • Uploaded documents
  • Contact information
  • Supporting underwriting materials

Each lending partner maintains its own privacy practices and may contact you directly regarding your application. RUO Cap does not control the privacy practices of third-party lenders once information has been submitted.

6. Communications

We may communicate with you by:

  • Email
  • Telephone
  • SMS/Text Message
  • Applicant Portal notifications

Communications may include:

  • Application confirmations
  • Requests for additional information
  • Funding updates
  • Underwriting notifications
  • Approval or denial notices
  • Funding disbursement updates
  • Administrative communications

You may opt out of marketing communications at any time; however, transactional communications regarding your application may still be sent as necessary.

7. Cookies and Website Technologies

We use cookies and similar technologies to:

  • Maintain secure login sessions
  • Remember user preferences
  • Analyze website traffic
  • Improve website performance
  • Detect fraud
  • Enhance user experience

Our website may utilize services such as:

  • Google Analytics
  • Session cookies
  • Security monitoring tools
  • Performance analytics

You may disable cookies through your browser settings; however, some website functionality may be limited.

8. Information Security

Protecting applicant information is a top priority. We employ commercially reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, alteration, disclosure, or destruction. These measures may include:

  • SSL/TLS encryption
  • Secure cloud infrastructure
  • Encrypted password storage
  • Role-based administrator access
  • Secure document storage
  • Routine software updates
  • Activity logging
  • Multi-layer authentication for administrative users

While we strive to protect your information, no method of electronic transmission or storage is completely secure.

9. Data Retention

We retain information only as long as reasonably necessary to:

  • Complete funding services
  • Maintain applicant records
  • Comply with legal obligations
  • Resolve disputes
  • Enforce agreements
  • Meet recordkeeping requirements

When information is no longer required, we will securely delete or anonymize it where practical.

10. Third-Party Services

Our website may use trusted third-party providers to assist with:

  • Payment processing
  • Cloud hosting
  • Email delivery
  • SMS messaging
  • Customer support
  • Analytics
  • Identity verification
  • Security monitoring

These providers receive only the information necessary to perform their services.

11. External Links

Our website may contain links to third-party websites, including participating lenders. RUO Cap is not responsible for the privacy practices or content of third-party websites. We encourage you to review the privacy policies of any website you visit.

12. Children's Privacy

RUO Cap's services are intended for adults and business owners. Our website is not directed toward children under the age of 18, and we do not knowingly collect information from minors.

13. California Privacy Rights

If you are a California resident, you may have additional privacy rights under applicable California privacy laws, including the right to:

  • Know what personal information we collect.
  • Request access to your personal information.
  • Request correction of inaccurate information.
  • Request deletion of eligible personal information.
  • Receive a copy of certain personal information.
  • Limit certain uses of sensitive personal information where applicable.
  • Exercise your rights without unlawful discrimination.

Certain exemptions may apply, including information processed in connection with financial services or legal compliance obligations. Applicable state privacy laws, including California's consumer privacy framework, may provide additional rights depending on your circumstances. To submit a privacy request, please contact us using the information provided below.

14. Do Not Track

Some browsers offer "Do Not Track" signals. Because there is currently no universal standard governing these signals, our website may not respond to all Do Not Track requests.

15. International Visitors

Our services are intended primarily for individuals and businesses located within the United States. If you access our website from another country, you understand that your information may be transferred to and processed within the United States.

16. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, legal requirements, or business operations. Any updates will become effective immediately upon posting the revised policy on this page. The Effective Date at the top of this Policy indicates the latest revision.

17. Contact Us

If you have questions regarding this Privacy Policy or wish to exercise applicable privacy rights, please contact us.

Your Consent

By accessing our website, creating an account, submitting an application, uploading documents, or using any RUO Cap service, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your information as described herein.