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Privacy Policy

What we collect, how we use it, and your rights — including state-specific privacy rights and our GLBA notice.

Privacy Policy

DRAFT — NOT FOR PRODUCTION USE — REQUIRES LEGAL REVIEW BEFORE LAUNCH

Last Updated: [DATE] Effective Date: [DATE]

Plain Language Summary

Omni Asset Finance is a marketplace that connects business owners seeking working capital and equipment financing with a network of lender partners. We are not a lender. We collect your application information, match you with lenders in our network, and earn a referral fee on funded deals.

What we collect: Business information, contact information, owner identification, and information about your financing needs. We also collect technical data about how you use our website.

What we do with it: Share your application with lender partners in our network. Communicate with you about your application and financing options. Improve our matching service.

Who can contact you: Both Omni Asset Finance and our lender partners may contact you by email, phone, and text message about financing opportunities — including using automated calling and texting systems.

Your rights: Opt out of marketing communications at any time. Request to see, correct, or delete your information (subject to state law and our legal obligations). Control how we share your data.

Our address: 2729 W. Pacific Coast Hwy., Newport Beach, CA 92663

For complete details, the full policy follows.

1. Information We Collect

Information You Provide

  • Business information: Legal business name, DBA, business address, industry, time in business, annual revenue, requested funding amount and purpose, federal tax ID
  • Contact information: Your name, title, ownership percentage, business phone, mobile phone, email address
  • Identification information: Date of birth, Social Security Number, home address, home ownership status (collected only when required for credit evaluation)
  • Application details: Responses to qualification questions, funding preferences, urgency, additional principals

Information Collected Automatically

  • Technical data: IP address, device type, browser type, operating system, geolocation data
  • Usage data: Pages visited, time spent on pages, click patterns, referral sources, form completion data
  • Cookies and tracking technologies: See our Cookie Policy for details

Information From Third Parties

  • Data enhancement services: We may supplement your application with business and contact data from commercial databases (such as company size, revenue indicators, and additional firmographic information)
  • Credit reporting agencies: Soft credit inquiries and business credit reports, with your consent, for the permissible purpose of evaluating your application
  • Verification services: Business registration verification, phone and email verification

2. How We Use Your Information

Primary Business Purposes

  • Match you with appropriate lenders in our network based on your profile and stated needs
  • Facilitate the application process between you and our lender partners
  • Communicate with you about your application status, funding offers, and lender decisions
  • Verify your identity and the accuracy of business information provided

Marketing and Communication

  • Send information about financing products and services that may be relevant to your business
  • Provide educational content related to business financing
  • Conduct customer satisfaction surveys and market research
  • Improve our matching algorithms and platform performance

Legal and Operational Purposes

  • Comply with legal obligations and regulatory requirements
  • Detect and prevent fraud, abuse, and unauthorized access
  • Enforce our Terms of Use and other agreements
  • Respond to legal process, government requests, and lawful demands

3. How We Share Your Information

Lender Partner Network

We share your application information with lenders in our partner network for the purpose of evaluating your business for financing. Our current lender partners are listed at omniassetfinance.com/lender-partners and updated from time to time.

When we share your application with a lender partner:

  • The lender may run a soft credit inquiry that does not affect your credit score
  • The lender may, with your separate authorization, run a hard credit inquiry as part of underwriting
  • The lender may contact you directly using the contact information you provided
  • The lender will handle your information according to its own privacy policy

Service Providers

We share information with third-party service providers that help us operate our platform, including:

  • Hosting, database management, and analytics providers
  • Email, SMS, and customer communication services
  • Credit reporting agencies and business verification services
  • Data enhancement and lookup services
  • Legal, accounting, and professional services

Our service providers are contractually required to use your information only for the purposes for which they are engaged and to maintain reasonable security.

Legal and Compliance Disclosures

We may disclose your information when required by law, court order, subpoena, or government regulation; when necessary to protect our rights, property, or safety, or that of our users or the public; or in response to lawful requests by public authorities.

Business Transfers

If Omni Asset Finance is acquired by, merges with, or sells assets to another company, your information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have regarding your information.

4. Your Privacy Rights

Communication Preferences (All Users)

  • Email marketing: Click "unsubscribe" in any marketing email
  • SMS / text messages: Reply STOP to any text message
  • Phone calls: Request to be removed from our call list when contacted
  • All channels: Email privacy@omniassetfinance.com to update your preferences

California Residents (CCPA / CPRA)

You have the following rights under the California Consumer Privacy Act and California Privacy Rights Act:

  • Right to know what personal information we collect, use, share, and sell
  • Right to delete personal information we have collected (subject to exceptions)
  • Right to correct inaccurate personal information
  • Right to opt out of the sale or sharing of personal information for cross-context behavioral advertising
  • Right to limit use of sensitive personal information
  • Right to non-discrimination for exercising your privacy rights

Do Not Sell or Share My Personal Information: [link to opt-out page]

To exercise these rights, email privacy@omniassetfinance.com or call (XXX) XXX-XXXX. We may need to verify your identity before processing your request.

Other State Privacy Rights

Residents of Virginia, Colorado, Connecticut, Utah, and Texas have similar rights under their respective state privacy laws, including rights to access, delete, correct, and opt out of certain processing activities. Use the contact information above to exercise these rights.

GLBA Notice (Financial Privacy)

Because we facilitate financial services, certain information you provide may be considered "nonpublic personal information" under the federal Gramm-Leach-Bliley Act. We use and share this information as described in this policy and as permitted by federal law. You may have the right to limit certain sharing of nonpublic personal information with non-affiliates for marketing purposes. To exercise this right, email privacy@omniassetfinance.com.

FCRA Authorization

By submitting an application through our platform, you authorize Omni Asset Finance and our lender partners to obtain consumer reports about you and your business for the permissible purpose of evaluating your application for credit, as permitted under the federal Fair Credit Reporting Act (15 U.S.C. § 1681b).

5. Data Retention

We retain your information for as long as reasonably necessary to:

  • Provide the services you have requested
  • Communicate with you about active and prior applications
  • Comply with applicable legal, tax, and regulatory obligations (typically 7 years for financial application records)
  • Enforce our agreements and resolve disputes
  • Improve our services and maintain platform security

You may request deletion of your information by emailing privacy@omniassetfinance.com. We will honor deletion requests subject to legal and regulatory retention requirements.

6. Security

We implement reasonable administrative, technical, and physical safeguards to protect your information, including:

  • Encryption of sensitive data in transit and at rest
  • Access controls and authentication for our systems
  • Regular monitoring for unauthorized access
  • Vendor security assessments

No system is 100% secure. We cannot guarantee absolute security of information transmitted over the internet or stored on our systems.

7. Gramm-Leach-Bliley Act Privacy Notice

Because we facilitate financial services and collect nonpublic personal financial information, Omni Asset Finance is subject to the federal Gramm-Leach-Bliley Act ("GLBA") Privacy Rule. As a "finder" of financial services under 12 CFR 1016.3(k)(4), we provide the following GLBA notice in addition to the disclosures elsewhere in this policy.

Sources of Nonpublic Personal Information

We collect nonpublic personal financial information about you from:

  • Information you provide on applications and other forms
  • Information about your transactions with us, our affiliates, and our lender partners
  • Information we receive from consumer reporting agencies and verification services

Information We May Share

We may share the categories of nonpublic personal information described above with:

  • Financial service providers (lender partners, credit reporting agencies, payment processors)
  • Non-financial service providers that perform services for us (technology vendors, marketing platforms, analytics providers)

Your Right to Limit Sharing

Federal law gives you the right to limit some — but not all — sharing of your nonpublic personal information. You may opt out of our sharing of your nonpublic personal information with non-affiliated third parties for marketing purposes by:

  • Emailing privacy@omniassetfinance.com with the subject line "GLBA Opt-Out"
  • Calling (XXX) XXX-XXXX
  • Writing to: Omni Asset Finance, Attn: Privacy, 2729 W. Pacific Coast Hwy., Newport Beach, CA 92663

Note: opting out under GLBA does not prevent us from sharing your information with our lender partners as necessary to evaluate and process your application — that sharing is essential to the service you have requested.

Confidentiality and Security

We restrict access to nonpublic personal information about you to those of our employees and service providers who need access to provide our services. We maintain physical, electronic, and procedural safeguards designed to protect your information consistent with federal standards.

8. Children's Privacy

Our services are intended for businesses and adults age 18 or older. We do not knowingly collect personal information from individuals under 18. If we learn that we have collected information from someone under 18, we will delete it promptly.

9. United States Operations

Our services are intended for use in the United States. Information you provide is processed and stored in the United States. We do not knowingly transfer personal information outside the United States.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be posted on our website with an updated "Last Updated" date. Where required by law, we will provide additional notice. Your continued use of our services after changes constitutes acceptance of the updated policy.

11. Contact Us

Questions about this Privacy Policy or your information?

Omni Asset Finance 2729 W. Pacific Coast Hwy. Newport Beach, CA 92663 Email: privacy@omniassetfinance.com Phone: (XXX) XXX-XXXX

This document is a draft for review purposes only. It has not been reviewed by counsel and should not be relied upon as legal advice. Final language is subject to attorney review prior to production use.