Privacy Policy

Effective date: July 24, 2026

Placeholder items in [brackets] must be completed, and this document must be reviewed by legal counsel before advertising campaigns launch.

1. Who we are

OnKap Financial ("OnKap," "we," "us") is a business funding brokerage operated by [LEGAL ENTITY NAME], [ENTITY TYPE], with its principal place of business at [BUSINESS ADDRESS]. We connect United States businesses with third-party funding providers. This policy explains what information we collect through www.OnKap.com and our related services, how we use it, and the choices available to you.

2. Information we collect

Information you provide: business name, your name, phone number, email address, business location and industry, revenue and time-in-business ranges, requested funding amount and use of funds, estimated credit range, and — if you proceed to a full application — business and ownership details, banking information, and supporting documents such as business bank statements and government-issued identification.
Information collected automatically: IP address, device and browser characteristics, pages viewed, referring URLs, and campaign identifiers (such as UTM parameters and advertising click IDs) collected via cookies, pixels, and similar technologies.
Information from third parties: where you authorize it, credit information from consumer or commercial reporting agencies; verification data from identity and fraud-prevention services; and information from advertising and analytics partners.

3. How we use information

To evaluate funding requests and route them to appropriate funding options;
To share application materials with third-party lenders and funding providers for the purpose of obtaining offers, with appropriate safeguards;
To communicate with you about your request by phone, text message, and email consistent with your consent choices;
To operate, secure, measure, and improve our website and services, including advertising measurement;
To comply with legal obligations, prevent fraud, and enforce our agreements.

4. How we share information

We share information with: (a) funding providers and lenders reviewing your request; (b) service providers that support our operations (hosting, CRM, communications, document processing, analytics, e-signature); (c) professional advisors; and (d) authorities where required by law. We do not sell personal information for money. Where advertising cookies or pixels are considered a "sale" or "share" under applicable state law, you may opt out as described in Section 8.

5. Cookies and tracking

We use cookies, pixels (including the Meta Pixel), and analytics tools (including Google Analytics) to operate the site and measure advertising. You can control cookies through your browser settings; disabling them may limit site functionality.

6. Data security and retention

We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information, including encryption of sensitive documents in transit and at rest, access controls, and audit logging. We retain business records for as long as needed for the purposes described above and as required by law, generally up to [7] years for funding files.

7. Your choices

Opt out of marketing emails using the unsubscribe link in any message;
Opt out of text messages by replying STOP at any time;
Request access to, correction of, or deletion of your information by contacting us as described below, subject to legal retention requirements.

8. State privacy rights

Depending on your state of residence, you may have additional rights, including the right to know, delete, correct, and opt out of targeted advertising. To exercise these rights, contact us at [PRIVACY EMAIL] or 888-456-0621. We will verify your request and respond within the time required by applicable law. We do not discriminate against you for exercising your rights.

9. Children

Our services are directed to businesses and their adult representatives. We do not knowingly collect information from anyone under 18.

10. Changes and contact

We may update this policy from time to time; the effective date above reflects the latest version. Questions: [PRIVACY EMAIL], 888-456-0621, or [BUSINESS ADDRESS].