GoKapital, Inc. (“GoKapital,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit www.gokapital.com, submit a financing inquiry or application, register as a broker or business partner, communicate with us, or otherwise use our services.

1. Information We Collect

Depending on your interaction with GoKapital, we may collect:

• Names, addresses, telephone numbers, email addresses, dates of birth, Social Security numbers, tax identification numbers, and government identification information;
• Business ownership, revenue, banking, financial, credit, collateral, property, loan, and transaction information;
• Bank statements, tax returns, financial statements, identification documents, organizational documents, leases, invoices, contracts, and other application materials;
• Credit reports, credit scores, public records, identity-verification results, fraud-prevention information, and bank-account information when authorized;
• Emails, calls, text messages, chats, application activity, and other communications;
• Browser, device, IP address, cookie, website-usage, analytics, and approximate-location information; and
• Information received from applicants, brokers, financing providers, credit bureaus, banks, service providers, public records, and other authorized sources.

When you provide information about another person or business, you represent that you are authorized to provide it.

2. How We Use Information

We may use information to:

• Respond to inquiries and evaluate financing eligibility;
• Process, package, submit, structure, and manage financing requests;
• Match applicants with potential lenders, funders, lessors, factors, investors, or other financing sources;
• Verify identity, ownership, income, revenue, credit, assets, collateral, and application information;
• Obtain credit or other verification reports when properly authorized;
• Communicate with applicants, brokers, partners, and transaction participants;
• Prevent fraud, impersonation, unauthorized activity, and misuse of our services;
• Operate, secure, analyze, and improve our websites and systems;
• Provide transactional, administrative, educational, or marketing communications;
• Maintain records, administer commissions, enforce agreements, and protect our legal rights; and
• Comply with legal, regulatory, licensing, audit, and recordkeeping obligations.

3. How We Disclose Information

GoKapital is a commercial-financing broker and referral company and is not necessarily the lender, funder, lessor, creditor, or purchaser in a transaction.

We may disclose information to:

• Banks, lenders, funders, commercial finance companies, factors, equipment-financing companies, real estate lenders, private lenders, investors, marketplaces, and other potential financing sources;
• Brokers, referral partners, co-owners, guarantors, authorized representatives, and other transaction participants;
• Credit bureaus, identity-verification providers, bank-data providers, underwriters, processors, closing agents, title companies, appraisers, inspectors, attorneys, and due-diligence providers;
• Website, cloud-storage, CRM, communications, forms, analytics, advertising, cybersecurity, accounting, and other service providers;
• Governmental, regulatory, legal, or law-enforcement authorities when required or reasonably necessary; and
• Buyers, investors, advisors, or successors in connection with a merger, sale, financing, restructuring, or other corporate transaction.

Third-party financing providers and service providers may maintain their own privacy policies and practices. GoKapital does not control independent third parties after information has been lawfully transmitted to them.

4. Third-Party Impersonation and Unauthorized Communications

GoKapital is not responsible for communications, representations, promises, requests, websites, email addresses, telephone numbers, social-media accounts, advertisements, applications, or payment instructions created or transmitted by unauthorized third parties falsely claiming to represent or be affiliated with GoKapital.

No broker, referral source, contractor, financing provider, employee, former employee, or other person may bind GoKapital or make representations on its behalf unless expressly authorized in writing.

Users should verify suspicious communications by contacting GoKapital through the contact information published on our official website. Suspected impersonation, fraudulent use of our identity, or unauthorized requests for money or information should be reported immediately.

5. Cookies and Analytics

We and our service providers may use cookies, pixels, analytics tools, and similar technologies to operate the website, remember preferences, measure performance, prevent fraud, understand website activity, and evaluate advertising.

Browser settings or a website cookie-management tool may allow you to limit certain technologies. Disabling cookies may affect website functionality.

6. Marketing Communications

Where permitted by law, GoKapital may contact you regarding submitted requests, financing opportunities, renewals, broker programs, company updates, or related services.

You may unsubscribe from promotional email using the unsubscribe link provided. You may opt out of promotional text messages by replying STOP.

Opting out of marketing does not prevent transactional or administrative communications relating to an application, transaction, account, or existing business relationship.

7. Credit Authorization

Submitting a general website form does not necessarily authorize a credit inquiry.

When credit or verification information is required, GoKapital or the applicable financing provider may present a separate authorization. An inquiry may be soft or hard depending on the provider, financing product, underwriting stage, and authorization provided.

8. Data Security and Retention

GoKapital uses reasonable administrative, technical, and physical safeguards designed to protect information. However, no website, email, transmission, or storage system can be guaranteed completely secure.

We retain information for as long as reasonably necessary to provide services, manage transactions, maintain business records, prevent fraud, resolve disputes, enforce agreements, and satisfy legal, tax, regulatory, audit, and recordkeeping requirements.

9. Third-Party Websites and Services

Our website may link to independently operated websites, applications, portals, or services. GoKapital is not responsible for their content, availability, privacy practices, security, representations, or conduct.

A link, referral, introduction, or transmission of information does not mean that the third party is an employee, agent, representative, joint venturer, or affiliate of GoKapital.

10. Privacy Rights

Residents of certain states may have rights to request access, correction, deletion, or portability of personal information or to opt out of certain advertising-related disclosures.

These rights are subject to applicable definitions, exceptions, verification requirements, and exemptions, including exemptions involving commercial transactions, financial services, credit information, fraud prevention, legal compliance, and business-to-business information.

To submit a privacy request, contact us using the information below. We may request information reasonably necessary to verify your identity and authority.

GoKapital does not sell personal information in exchange for direct monetary payment. Certain analytics or advertising activities may be treated as “sharing,” “targeted advertising,” or a “sale” under some state laws.

11. Children’s Privacy

Our services are intended for adults and businesses. We do not knowingly collect personal information directly from children under 18.

12. Contact Us

GoKapital, Inc.
3191 Coral Way, Suite 402-A
Miami, Florida 33145

Email: info@gokapital.com
Telephone: 1-866-257-2973

13. Policy Updates

We may update this Privacy Policy periodically. The current version will be posted on this page.