We take privacy seriously.

At Virtuous, we’re committed to keeping our customers’ information safe, and being transparent about how we collect and use the data from your account. For more information about how we secure and protect your data, view our Security Policy.

Privacy Policy

Effective as of October 3, 2020
Last updated December 15, 2025

Introduction

Virtuous Funding, Inc., and its affiliates (collectively, “Virtuous Funding,” “we,” “our,” or “us”) respect your privacy and are committed to protecting your information. This Privacy Policy explains how we collect, use, share, and safeguard information when you access our website, mobile applications, or use our products and services (collectively, the “Services”). Please review this Privacy Policy carefully. We may update it from time to time. If we make material changes, we will notify you on our website or through other appropriate means.

1. Information We Collect

We collect Personally Identifiable Information (PII) that can be linked to you as an individual or your business. This includes information you provide directly, information collected automatically when you use our Services, and information received from third parties.

Information You Provide

Applications for Financing: When applying for business funding, you may provide your name, email address, phone number, business details (such as name, type, and size), financial information (including bank statements, credit history, and payment history), Social Security number or tax identification number, and other relevant details.

Chat or Support Interactions: Information you provide during communications with us, including your name, phone number, and message content.

Feedback: Reviews, survey responses, suggestions, or other communications you voluntarily provide.

Information Collected Automatically

Usage Data: Information about how you use our Services, including pages viewed, links clicked, and frequency of visits.

Device and Browser Data: IP address, device identifiers, operating system, browser type, and similar technical information.

Location Data: General location information derived from your IP address or device settings.

Information from Third Parties

We may receive information about you from business partners, credit reporting agencies, identity verification providers, or other service providers to verify your identity, assess applications, or provide our Services.

2. How We Use Your Information

We use your information to:

  • Provide, operate, and improve our Services

  • Verify your identity and conduct due diligence

  • Process and manage funding applications

  • Maintain and service accounts, including processing payments

  • Communicate with you regarding your account, updates, support inquiries, or marketing communications (where permitted by law)

  • Analyze usage trends to enhance user experience

  • Detect, prevent, and address fraud or unlawful activity

  • Enforce our legal rights and comply with applicable laws

  • Create aggregated or de-identified data for reporting and research purposes

3. How We Share Your Information

We may share your information:

  • With our affiliates and related entities

  • With third-party lenders, brokers, referral partners, and other business partners as necessary to provide Services

  • With vendors and service providers that support our operations (such as hosting, payment processing, analytics, and customer support)

  • When required by law, regulation, or legal process

  • In connection with a merger, acquisition, restructuring, or sale of assets

  • With your consent or as otherwise disclosed at the time of collection

We do not share text message opt-in information with third parties.

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

  • Monitor website usage and performance

  • Remember user preferences

  • Improve functionality and user experience

  • Provide relevant marketing and content

You may manage or disable cookies through your browser settings. Additional information about cookies can be found at AboutCookies.org.

We may also use third-party analytics and user experience tools to improve our Services. You may opt out through the options provided by those services.

5. Opt-Out Preference Signals

We honor Global Privacy Control (GPC) signals and other browser-based opt-out mechanisms where legally required. These settings must be configured on each browser and device you use.

6. Choices About Your Information

Access and Updates: You may request access to, correction of, or updates to your personal information by contacting us. Marketing Preferences: You may opt out of marketing communications using the unsubscribe link in our emails or by contacting us directly. Testimonials or Public Posts: You may request removal of personally identifiable information you have posted.

7. Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your information. However, no system can guarantee absolute security. Any bank account information provided is used in a read-only capacity and cannot be modified by us.

9. Children’s Privacy

Our Services are not directed to children under the age of 13. If we become aware that personal information has been collected from a child without appropriate consent, we will take steps to delete it.

10. Notice to Nevada Residents

Nevada residents may request to opt out of the sale of certain personal information. While we do not currently sell personal information, Nevada residents may submit requests by contacting us at the email address listed below.

11. Notice to California Residents (CCPA/CPRA)

California residents have certain rights under applicable law, including:

  • The right to know what personal information we collect and how it is used

  • The right to request deletion or correction of personal information

  • The right to opt out of the sale or sharing of personal information

  • The right not to be discriminated against for exercising privacy rights

To submit a request, please contact us using the information below. We retain personal information only as long as necessary to provide Services or comply with legal obligations.

12. Accessibility

We are committed to making this Privacy Policy accessible to all individuals. If you require this policy in an alternative format, please contact us.

13. How to Contact Us

For questions or concerns about this Privacy Policy, please contact:

Virtuous Funding

contact@virtuousfunds.com