Privacy Policy

This website is owned and operated by Upwise Capital, LLC. (“Upwise”). We respect and protect the privacy of visitors to our websites and the privacy of our customers. This Privacy Policy describes how we collect, use, share, and protect information when you access our services, including content located on this website, any other websites, pages, features, or content we own or operate (collectively, the “Site(s)”), third-party applications relying on APIs, and related services (collectively, the “Services”).

This Privacy Policy applies to information collected through the Upwise websites and otherwise. Your use of the Upwise websites and Services is subject to this Privacy Policy and our Terms and Conditions.

Please read this Privacy Policy carefully. If you have any questions, contact us at funding@upwisecapital.com.

Acceptance of this Privacy Policy

By accessing or using our Services, you acknowledge and agree to the terms of this Privacy Policy. Where required by law, we will obtain your consent for the collection, use, and disclosure of your personal information as described herein.

We may provide additional disclosures or notices regarding specific data processing practices related to certain Services. These may supplement or clarify this Privacy Policy.

If you do not agree with this Privacy Policy, you should discontinue use of our Services.

Information and Data

For purposes of this Privacy Policy, “Personal Information” refers to information that identifies, relates to, describes, or could reasonably be linked to a specific individual or business.

(a) Information You Provide to Us

To access and use our Services, including applying for financing, you may be required to provide personal and business information. This information may be:

• Required by law (e.g., identity verification)
• Necessary for underwriting and funding decisions
• Relevant to delivering our Services

This may include sensitive information such as Social Security numbers, financial account data, and business financial records.

If you choose not to provide certain information, we may be unable to offer Services or evaluate your eligibility for financing.

(b) Information We Collect

We may collect the following categories of information:

• Personal Identification Information: Name, date of birth, phone number, address, email, Social Security number (where applicable)
• Formal Identification Information: Government-issued ID, tax ID numbers, business formation documents
• Business Information: EIN, incorporation details, ownership structure, financial statements
• Financial Information: Bank account details, credit history, tax returns, income statements
• Transaction Information: Transaction history, funding details, payment activity
• Employment Information: Business location, role, and operational details
• Correspondence: Communications with our support or research teams
• Asset Information: Property details, equipment schedules, appraisals, and related data
• Device & Digital Information: IP address, browser type, device identifiers, cookies
• Usage Data: Login data, authentication, clickstream activity
• Third-Party Information: Data from credit bureaus, financial institutions, public databases, and verification providers

All collected information is securely stored and protected.

With your authorization, we may share relevant information with trusted service providers or capital partners as necessary to support underwriting, funding, and servicing.

We may also collect additional information through site visits, external verification tools, or third-party data providers used in underwriting and fraud prevention.

(c) Information Collected from Third Parties

We may obtain information from third-party sources, including:

• Public Databases & Identity Verification Providers
• Credit Bureaus (with your consent)
• Financial Institutions (with your consent)
• Marketing Data Providers
• Analytics Platforms (e.g., Google Analytics)

This information supports identity verification, underwriting, fraud prevention, and service delivery.

Use of Information

Upwise uses collected information to:

• Originate, underwrite, and deliver financing solutions directly
• Evaluate eligibility for financing products
• Process applications, approvals, and funding
• Service accounts and manage payments
• Maintain regulatory and legal compliance
• Communicate with you (approvals, updates, service notices)
• Provide customer support
• Prevent fraud and enhance security
• Conduct internal analytics and research
• Improve and personalize Services
• Deliver marketing communications (where permitted)
• Perform AI and machine learning analysis to enhance underwriting and operations

Upwise primarily originates and underwrites financing directly. In certain cases, we may utilize select capital partners to support specific transactions or specialized financing structures.

How We Collect Information

We collect information through:

• Website interactions
• Application forms
• Cookies and tracking technologies
• Third-party integrations
• Communications (email, phone, SMS)

(a) Log Files

We automatically collect technical data such as IP address, browser type, timestamps, and navigation patterns for analytics and security.

(b) Cookies

Cookies help improve user experience, track site usage, and personalize content. Users may disable cookies, though functionality may be limited.

(c) Sign-Up Information

Collected to process inquiries and service requests.

(d) Application Data

Includes detailed business and financial information necessary for underwriting and funding decisions.

(e) Communications

We may communicate via email, phone, or SMS regarding Services, updates, and marketing (subject to opt-in and opt-out preferences).

(f) AI & Machine Learning

We use data to improve underwriting models, fraud detection, and service delivery.

(g) Other Sources

We may obtain additional information such as credit reports (with consent).

Sale of Personal Information

We do not sell Personal Information.

Information Sharing and Disclosure

We may share your information:

• With trusted service providers supporting operations (e.g., payment processing, data storage)
• With capital partners, where necessary to support financing transactions
• With affiliates and subsidiaries for operational purposes
• As required by law or regulatory obligations

We do not sell your information to third parties for marketing purposes.

We may share limited business contact information with partners only where necessary to support Services or operations—not for independent marketing use.

Third parties receiving data are contractually obligated to use it only for permitted purposes.

Third-Party Relationships

If your financing involves a capital partner or service provider, that party may retain your information according to their own policies. We encourage reviewing their privacy policies directly.

Upwise is not responsible for third-party practices.

User Rights & Choices

You may:

• Request access to your data
• Request correction or deletion (subject to legal requirements)
• Opt out of marketing communications
• Manage communication preferences

We may retain certain information for compliance, fraud prevention, and legal purposes.

Opt-Out Policy

You may opt out of marketing emails, calls, and SMS messages at any time by:

• Following unsubscribe instructions
• Replying “STOP” to SMS messages
• Contacting us directly

California Privacy Rights

In addition to the rights provided for above, if you are a California resident, you have the right to request information from us regarding whether we share certain categories of your personal information with third parties for the third parties’ direct marketing purposes. To the extent we share your personal information in this way, you may receive the following information:

(a) the categories of information we disclosed to third parties for the third parties’ direct marketing purposes during the preceding calendar year; and

(b) the names and addresses of third parties that received such information, or if the nature of their business cannot be determined from the name, then examples of the products or services marketed.

Effective January 1, 2020, pursuant to the California Consumer Privacy Act of 2018 (“CCPA”), California residents have certain rights in relation to their personal information, subject to limited exceptions. Any terms defined in the CCPA have the same meaning when used in this California Privacy Rights section.

For personal information collected by us during the preceding 12 months that is not otherwise subject to an exception, California residents have the right to access and delete their personal information. Upwise will not discriminate against those who exercise their rights. Specifically, if you exercise your rights, we will not deny you services, charge you different prices for services or provide you a different level or quality of services.

To the extent we send your personal information to third party service providers, you also have the right to request that we disclose to you: (i) the categories of your personal information that we send, and (ii) the categories of third parties to whom your personal information was sent. You have the right to direct us not to send your personal information. Please note that the only time personal information is sent is when you decide to apply for, and fund, business loans through Upwise. 

If you are a California resident, only you or a person registered with the California Secretary of State or other state agency that you authorize to act on your behalf, may make a request for access or a request to delete related to your personal information.  You can only make a request for access or data twice within a 12-month period, in which you must:

Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.  

If using an authorized agent to make the request on your behalf, they must submit proof that they are registered with the California Secretary of State to be able to act on your behalf, or submit evidence you have provided them with power of attorney pursuant to California Probate Code section 4000 to 4465. We may deny requests from authorized agents who do not submit proof that they have been authorized by you to act on their behalf, or are unable to verify their identity.

Describe your request with sufficient detail that allows us to properly understand, evaluate and respond to it.

If we are unable to verify your identity or authorized agent to make the request and confirm the personal information that relates to you, we can’t respond to your request or provide personal information. This is for your security and fraud purposes.  Making a Request does not require you to create an account with us. We will only use personal information provided in a Request to verify your identity or authority to make the request.

To exercise your rights of access, data and deletion described above, please submit a verifiable request to funding@upwisecapital.com, or by contacting customer service at (646) 837-5522.

Security

We implement industry-standard safeguards including:

• SSL encryption
• Secure data storage
• Restricted internal access
• Monitoring systems

While we take reasonable precautions, no system is completely secure.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be communicated via:

• Website notice
• Email (if applicable)

Contact Information

Upwise Capital, LLC
35 Pinelawn Rd, Suite 112E
Melville, NY 11747

Email: funding@upwisecapital.com
Phone: (646) 837-5522