These Terms of Use shall become effective as of November 1, 2023
This website is owned and operated by Lionheart Capital, Inc. (“Lionheart Capital”). At Lionheart Capital, we respect and protect the privacy of our website visitors and customers. Our Privacy Policy is a testament to our commitment to safeguarding your privacy. This policy applies to our information handling practices when you access our services, including content on this website, any other websites, pages, features, or content we own or operate (collectively, the “Site(s)”), third-party applications relying on our API, and related services (collectively referred to as “Services”).
Our Sites are intended for a general audience, and we do not knowingly collect personal information from children under the age of 18. If you are under 18, please refrain from using our site. We take steps to delete or anonymize personal information if we discover it is from an individual under 18. We encourage notifications about any underage users of our services so we can take appropriate action.
Lionheart Capital is dedicated to assisting small businesses in managing and accessing capital. Our Privacy Policy applies to all users of our Sites.
We urge you to review Lionheart Capital’s Terms of Use. Where your consent is required for processing your personal information, we will seek your consent for the collection, use, and disclosure of your personal information as detailed below. We may also provide specific disclosures or information about the data processing practices of certain Services, which may supplement or clarify our privacy practices or offer additional choices about how we process your data.
1. Types of Information Collected
When you access our Sites, we collect various types of information about you and your business.
1.1 Information Collected Directly From You:
This includes:
1.2 Information Collected Automatically:
This includes online identifiers, usage data, and other technical information gathered through interactions with our Sites.
1.3 Information Collected from Third Parties:
We may receive information about you from public databases, credit bureaus, financial institutions, joint marketing partners, advertising networks, analytics providers, and third-party service providers.
1.4 Data Anonymization and Aggregation:
We may use anonymized or aggregated data for various business purposes.
2. How Information is Collected
We gather information through your interactions with our Sites, during the application process, and from third parties.
3. How Your Information is Used
We use your information to provide and improve our Services, for customer service, research and development, to enhance your experience, comply with legal requirements, enforce terms, detect and prevent fraud, ensure quality control, and maintain network and information security.
4. Disclosure of Information to Third Parties
Your personal information may be shared as required by law, to provide Services, and for legitimate business purposes with lenders, brokers, trusted third parties, service providers, advertising platforms, professional advisors, and in the event of corporate transactions.
Please note that our Sites may contain links to third-party websites, for which we are not responsible. If you have any concerns about the privacy practices of these third parties, we recommend reaching out to them directly.
If you do not agree with any aspect of this Privacy Policy, you should immediately discontinue access or use of our Services.
5. Updating, Accessing, Retaining, and Deleting Your Information
You have the option to update, access, or delete your data. However, we may be legally obligated to retain your information in compliance with legal requirements.
You can update or access your contact information anytime by logging into your Lionheart Capital account and making changes. These changes will be effective immediately.
If you wish to stop using your account, you may deactivate it. Deactivating your account will halt further sharing of your information with lenders, brokers, or third parties, but your information will not be deleted. This allows you the option to reactivate your account later.
You may request Lionheart Capital to delete your account in certain situations. However, legal obligations might require Lionheart Capital to maintain your information, in which case your account will be deactivated, opted out of communications, and access will be disabled.
If Lionheart Capital is able to delete your account, your provided data will be retained in a commercially reasonable manner to comply with relevant laws. Post-deletion, your information will not be shared externally and will only be used for internal research and Lionheart Capital’s marketing. Retained data will be kept for a period deemed reasonable by Lionheart Capital and as required by law.
We securely store your personal information for the life of your Lionheart Capital Account and retain it only as necessary for fulfilling the purposes for which it was collected, including legal, accounting, or reporting requirements. Retention periods vary by jurisdiction and type of information but are typically as follows:
To opt out of receiving electronic communications from us, please follow the instructions in Section 7 below.
Your California Privacy Rights:
If you are a California resident, please review our California Privacy Notice for detailed information on your rights under the California Consumer Privacy Act (CCPA) and its amendments.
6. Security
We have implemented extensive security measures to protect your information.
Our security measures, including industry-standard encryption and other proprietary measures, are designed to safeguard the information in our database. However, we cannot guarantee 100% security for data transmitted over the Internet. For more information, see our Terms of Use.
In the event of a data breach, Lionheart Capital will notify you promptly. You are advised not to share your account login or password to prevent unauthorized access.
7. Choice/Opt-Out of Marketing
You have the right to discontinue our services and opt out of marketing communications by unsubscribing or contacting us at systems@lionheartcapitallc.com.
Not providing certain information may restrict your ability to use some features of our site. You should avoid posting personal information on public forums.
If you wish to cease receiving services or contact from lenders, brokers, or third parties after signing up, you may cancel your account. This action will stop the sharing of your information but may not prevent continued contact from third parties already in possession of your details. You should also directly contact these parties to cease communication.
Due to federal and state regulations, we may be required to maintain a record of your information for a certain period, which may prevent immediate complete deletion from our database.
8. California Privacy Notice
For California residents, this section details your privacy rights under the California Consumer Privacy Act (CCPA) and its amendments.
8.1 Personal Information We Collect
In the past twelve months, Lionheart Capital has collected various categories of personal information from California residents as specified under the CCPA.
CATEGORY
EXAMPLES
Identifiable Information
Names, email addresses (e.g., systems@lionheartcapitalllc.com, office@lionheartcapitalllc.com); contact numbers; residential addresses; social security numbers, driver’s licenses, passports, or other official identity documents; account login details and passwords; Employer Identification Numbers or similar government-issued numbers; and additional contact and identification data
Personal information types as per California Civil Code § 1798.80(e)
Names; contact numbers; residential addresses; signatures; social security numbers, driver’s licenses, passports, or other state-issued identity documents; payment card details; bank account data
Online or other digital activity details
Cookies; pixel tags; embedded scripts; digital tags; IP addresses, device IDs, device types, browser types, screen resolutions, operating system names and versions, device makers and models, languages, plugins, add-ons, and language versions of visited Websites and Apps; geolocation data, browsing histories, time on Platform, visited pages, clicked links, language settings, usage patterns, and referring pages to our Platform including specific Websites and Apps
Protected classification traits under California or federal legislation
Birth dates; demographic data (e.g., nationality, gender)
Commercial Data
Payment histories; account status and activities; purchased, considered, or obtained products and services; utility bills; profit and loss accounts; income statements; credit scores and credit report details; transaction details on the Services; and/or other purchasing or consumer habits, preferences, and tendencies
Given the overlapping nature of the personal information categories required by state law, the data we collect may fit into multiple categories.
Sensitive personal data. As described above, some of the personal data we gather may be classified as “sensitive personal information” under California law, including: Social security, driver’s license, state ID card, and/or passport numbers Account logins with security or access codes, passwords, or credentials for account access Exact geolocation Racial or ethnic origins Information regarding sex life or sexual orientation More detailed descriptions of the types of personal information we collect are in Section 1 of our Privacy Policy. The CCPA does not cover information outside its scope.
Lionheart Capital LLC will not hold any data we collect from you longer than necessary for the disclosed purpose. Our retention periods are based on: (i) the duration of our ongoing relationship with you; (ii) legal obligations; and (iii) advisability in light of our legal position (e.g., statutes of limitations, litigation, regulatory investigations).
9. Usage of Personal Information
Lionheart Capital LLC may collect, utilize, or share personal information about California residents as outlined in Section 3 of this Privacy Policy. The sensitive personal information we collect, as described in Section 10.1, may be used for these purposes.
10. Sources of Personal Information
Lionheart Capital LLC may obtain personal information about California residents from the sources listed in Sections 1.3 and 2 of this Privacy Policy.
11. Sharing of Personal Information
We may share your personal information with the service providers and third parties described in Section 4 of this Privacy Policy, as outlined in that section.
This includes sharing your personal information with service providers for business purposes. When sharing personal information for business purposes, we form a contract stating the purpose and require the recipient to keep that information confidential and use it solely for fulfilling the contract. In the past twelve (12) months, we have shared each category of personal information listed in Section 8(a), including sensitive personal information, for business purposes.
Additionally, Lionheart Capital LLC “sells”/”shares” certain personal information, as defined by the CCPA, for cross-contextual behavioral advertising purposes. Like many online companies, we partner with third-party advertising platforms and providers to market Lionheart Capital LLC on other platforms, using advertising based on your past visits to our Sites and Services. These partners may use technologies like cookies and pixels to collect information about your activities on the Sites and Services for targeted advertising. For more information about this activity, please review disclosures in Sections 1.2, 2, and 5 of our Privacy Policy.
The CCPA requires us to identify the categories of personal information we have “sold”/”shared” under the CCPA in the past twelve (12) months. In the last year, we have “sold”/”shared” the following categories of personal information for cross-context behavioral advertising:
Identifiers Internet or other digital network activity information Personal information categories listed in the California Civ Code § 1798.80
