Privacy Policy

Welcome to Arkadian Capital's Privacy Policy. Your privacy and trust are paramount to us. This policy outlines how we collect, use, protect, and share your personal information across all interactions with Arkadian Capital, including through our website, loan application processes, and customer service engagements.

Our commitment is to handle your personal information with the utmost care and in compliance with applicable privacy laws and regulations. By engaging with our services, you entrust us with your information, and we take this responsibility very seriously.

Using our services indicates your acknowledgment and consent to the practices described in this policy. If you disagree with any aspect of this policy, please discontinue the use of our services.

At Arkadian Capital, we collect information that helps us provide you with financial products and services tailored to your needs, improve your experience, and comply with legal obligations. The types of personal information we collect include:

Personal Identification Information — Your name, address, email address, telephone number, Social Security number, date of birth, and any other information that identifies you personally.

Financial Information — Details about your income, credit history, bank account details, bank statements, transaction data (via Plaid), and other financial data necessary for processing loan applications and providing financial advice.

Employment Information — Your employment status, employer details, and income verification to assess loan eligibility.

Business Information — Business name, EIN, entity type, industry, time in business, monthly revenue, and existing business debts.

Website Usage and Technical Data — Information on how you use our website and services, including IP addresses, browser types, device information, pages visited, and session recordings.

Methods of Collection — We gather information directly from you when applying for a loan or contacting us; automatically through our website via cookies and tracking technologies; and from third parties such as credit bureaus, financial institutions, and bank account aggregation services.

Arkadian Capital uses cookies and similar tracking technologies to analyze website traffic, personalize content, and deliver targeted advertising. The following types of technologies are active on our website:

Analytics & Performance We use analytics tools to collect anonymous website usage data — including page views, session duration, and user demographics — to understand how visitors interact with our site. We may also record user sessions (mouse movements, clicks, and scrolls) and generate heatmaps to identify usability issues and improve the user experience. Session recordings do not capture passwords or sensitive fields.

Advertising & Conversion Tracking We use advertising pixels and conversion tags from major advertising platforms to track conversions from ad campaigns, build advertising audiences, and enable retargeting. Personal data sent to advertising partners is hashed before transmission. We also use server-side event tracking for improved ad attribution accuracy.

CRM & Lead Tracking We use CRM tools to track website visitor activity for lead management and attribution.

First-Party Cookies We set first-party cookies to track advertising attribution, including ad click identifiers, UTM campaign parameters, affiliate referral tracking, and cookie consent preferences. These cookies typically expire between 30 days and 1 year depending on their purpose.

Managing Cookies — You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. However, disabling cookies may affect the functionality of our website.

The personal information collected by Arkadian Capital serves multiple purposes, all aimed at delivering and enhancing the services we offer:

• Loan Processing and Administration — To assess your eligibility for our financial products, process applications, manage accounts, and provide ongoing service. • Customer Support — To communicate with you regarding your inquiries, account updates, and to offer support. • AI-Assisted Analysis — To analyze uploaded documents (bank statements, applications) using artificial intelligence for faster processing and underwriting support (see Section 4). • Improvement of Services — We analyze information to understand how our services are used and to make improvements. • Compliance and Legal Obligations — To comply with applicable laws, regulations, and legal processes. • Marketing and Promotions — With your consent, we may use your information to inform you about new products, services, and offers via email or text message. • Advertising Attribution — To track the effectiveness of our advertising campaigns across major advertising platforms.

By providing us with your personal information, you consent to our collection, use, and disclosure as described in this policy. You have the right to withdraw consent at any time, subject to legal or contractual restrictions.

Arkadian Capital uses artificial intelligence (AI) to assist with certain aspects of our services:

How We Use AI • Document Analysis — Uploaded documents such as bank statements and financial records are processed using AI tools to extract relevant data and accelerate the application review process. • Underwriter Matching — AI-powered analysis helps match your application with the most suitable funding options from our network of underwriting partners. • Application Support — AI assists our team in summarizing application data and identifying key information for underwriting review.

Important Safeguards • Human Decision-Making — All final lending and funding decisions are made by human underwriters. AI is used as a tool to support — not replace — human judgment. • Data Protection — Application data processed through AI services is transmitted securely using encryption. Our AI service providers are contractually prohibited from using your data to train their models. • No Automated Decisions — We do not use AI to make automated decisions that produce legal effects or similarly significant effects on you without human review.

If you have questions about how AI is used in your application, please contact us at sales@arkadiancapital.com.

Arkadian Capital values your privacy and is committed to protecting your personal information. We share your information in the following circumstances:

• Underwriting & Funding Partners — We share your application data (including name, contact information, SSN, credit history, bank statements, business financials, and uploaded documents) with our network of underwriting and funding partners for the purpose of evaluating and processing your funding application. These partners are contractually required to protect your data and use it only for the purpose of evaluating your application. • Service Providers — We share information with third-party service providers who perform services on our behalf, including: – Bank account verification and financial data aggregation providers – AI-powered document analysis and processing tools – CRM, email, and SMS communication platforms – Cloud hosting and secure data storage providers – Error monitoring and application performance services – Website analytics and session recording tools – Advertising and conversion tracking platforms • Legal Requirements — Your information may be disclosed if required by law, such as in response to a court order or subpoena. • Fraud Prevention — To protect against fraud, unauthorized transactions, claims, and other liabilities. • Business Transfers — In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of the business assets.

We do not sell your personal information to third parties.

When you provide your phone number through our application or pre-qualification forms and consent to receive text messages, you may receive the following types of SMS communications from Arkadian Capital:

Types of Messages • Application status updates and follow-ups • Document request notifications • Pre-qualification reminders if your application is incomplete • Important account notifications

Message Frequency — Message frequency varies. If you begin but do not complete an application, you may receive up to 7 follow-up messages over a 72-hour period.

Opt-Out — You can opt out of text messages at any time by replying STOP to any message. After opting out, you will receive a confirmation message and no further texts will be sent. You may also contact us at sales@arkadiancapital.com to opt out.

Costs — Message and data rates may apply depending on your mobile carrier and plan. Arkadian Capital does not charge for text messages.

Consent — Consent to receive text messages is not a condition of purchasing any product or receiving funding. Text messages are sent by authorized messaging platforms on behalf of Arkadian Capital.

At Arkadian Capital, safeguarding your personal information is a cornerstone of our operations. We employ a comprehensive approach to information security:

• Encryption — We use 256-bit SSL/TLS encryption to secure sensitive information transmitted online. Sensitive data at rest is encrypted using industry-standard algorithms. • Access Controls — Access to personal information is strictly limited to employees and service providers who need that information to provide services. They are bound by confidentiality obligations. • Network Security — Our networks are secured with firewalls and intrusion detection systems. • Signed URLs — Access to uploaded documents is controlled through time-limited, cryptographically signed URLs rather than public file links.

Data Retention — Arkadian Capital retains personal information only for as long as necessary to fulfill the purposes for which it was collected, including satisfying any legal, accounting, or reporting requirements. Upon expiration of the applicable retention period, we securely delete or anonymize your information.

At Arkadian Capital, we believe in empowering you with control over your personal information. You have the following rights:

• Access — You have the right to request access to the personal information we hold about you. • Correction — If you believe any information we hold is incorrect or incomplete, you have the right to request its correction. • Deletion — You can request the deletion of your personal information when it is no longer necessary for us to retain it, subject to regulatory requirements. • Objection and Restriction — You have the right to object to processing of your personal data in certain circumstances. • Data Portability — Where applicable, you may have the right to receive your personal information in a structured, machine-readable format. • Opt-Out of Communications — You may opt out of marketing emails by clicking the "unsubscribe" link in any email, or opt out of text messages by replying STOP.

To exercise any of these rights, please contact us at sales@arkadiancapital.com. We will respond to your request in accordance with applicable laws.

The California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) provide California residents with specific rights regarding their personal information.

Categories of Information We Collect: • Identifiers (name, address, email, SSN, IP address, phone number) • Personal information (financial data, employment history, bank statements) • Protected classification characteristics (age/date of birth) • Commercial information (credit history, property records, business financials) • Internet activity (browsing history, device information, session recordings) • Geolocation data (for fraud prevention) • Professional/employment-related information • Inferences drawn from the above (e.g., AI-generated application summaries)

Your CCPA/CPRA Rights: • Right to Know — What personal information we collect and how it is used • Right to Delete — Request deletion of your personal information • Right to Correct — Request correction of inaccurate personal information • Right to Opt-Out — Opt out of the sale or sharing of personal information (note: we do not sell your information) • Right to Non-Discrimination — We will not discriminate against you for exercising your CCPA rights • Right to Limit — Limit the use and disclosure of sensitive personal information

To Exercise Your Rights: Call +1 (855) 786-1190 or email sales@arkadiancapital.com. We will verify your identity before processing your request and endeavor to respond within 45 days of receipt.

Arkadian Capital does not sell your personal information to third parties for monetary consideration.

We share your personal information with underwriting and funding partners solely for the purpose of processing your funding application, which you have requested. This sharing is considered a "business purpose" under the CCPA and is not a "sale" of personal information.

If you would like to exercise your right to opt out of any sharing of personal information, or if you have questions about how your data is shared, please contact us:

• By Email: sales@arkadiancapital.com • By Phone: +1 (855) 786-1190

We will process your request promptly and in accordance with applicable law.

Arkadian Capital reserves the right to update or modify this Privacy Policy at any time and for any reason. Any changes we make will be posted on this page with an updated revision date. We encourage you to review our Privacy Policy regularly.

Your continued use of our services following the posting of changes constitutes your acceptance of such changes.

If you have any questions or concerns about this Privacy Policy or our practices, please contact us:

• By Mail: 1910 Pacific Ave Ste 2010, Dallas, TX 75201 • By Email: sales@arkadiancapital.com • By Phone: +1 (855) 786-1190

We welcome your feedback and are committed to addressing any concerns you may have regarding your privacy.