Privacy Policy

PRIVACY POLICY

Last Updated: January 1st, 2026

1. INTRODUCTION

Even Funding LLC (“Even Funding,” “we,” “us,” or “our”) is committed to protecting the privacy and confidentiality of the personal information of our customers, applicants, website visitors, and other individuals who interact with our services (collectively, “you” or “your”).

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you:

Visit our website at https://evenfunding.com
Apply for merchant cash advances or other funding services
Use our services or communicate with us
Interact with us through any other means

By using our services, submitting an application, or providing us with your personal information, you consent to the practices described in this Privacy Policy.

Our Business Address:
Even Funding LLC
Flushing, NY 11367
Phone: (929) 244-9630
Email: support@evenfunding.com

2. INFORMATION WE COLLECT

We collect various types of information to provide and improve our services, process your funding application, and communicate with you.

2.1 Personal Information You Provide

When you apply for a merchant cash advance or use our services, we collect personal information that you voluntarily provide, including:

Individual Information:

Full legal name
Date of birth
Social Security Number (SSN)
Driver’s license or other government-issued ID information
Home address and contact information
Email address
Phone number(s) (mobile and landline)
Employment information

Business Information:

Business legal name and DBA (doing business as) names
Business address and contact information
Employer Identification Number (EIN) or Tax ID
Business structure (LLC, Corporation, Sole Proprietorship, etc.)
State of formation and business registration information
Industry and type of business
Years in business and business history
Number of employees
Business website and social media profiles

Financial Information:

Business bank account information (account numbers, routing numbers, bank statements)
Personal bank account information (if applicable)
Credit card processing statements and merchant account information
Revenue and sales data
Tax returns (business and personal)
Profit and loss statements
Balance sheets and financial statements
Accounts receivable and payable information
Outstanding debts and liabilities
Credit card and payment information (for fees or payments)
Information about other financing or merchant cash advances

Application Information:

Purpose of merchant cash advance
Requested advance amount
Information about how you intend to use the funds
Business references
Any other information you provide in your application or communications

2.2 Information We Collect from Third Parties

To evaluate your application and verify information, we collect information from third-party sources, including:

Credit Bureaus and Reporting Agencies:

Personal credit reports and scores (from Equifax, Experian, TransUnion)
Business credit reports and scores (from Dun & Bradstreet, Experian Business, etc.)
Credit history and payment patterns
Public records (bankruptcies, liens, judgments)

Financial Institutions:

Bank account verification and transaction history
Credit card processing data and sales volume
ACH transaction information
Account balances and average balances

Government and Public Records:

Business formation documents
Business licenses and permits
Federal and state tax liens
Bankruptcy filings
Litigation records
UCC filings
Professional licenses

Other Sources:

Information from business references you provide
Publicly available information about your business (websites, social media, review sites, news articles)
Information from fraud prevention and identity verification services
Data from marketing partners (with your consent)

2.3 Information We Collect Automatically

When you visit our website or use our services, we automatically collect certain information:

Device and Browser Information:

IP address
Browser type and version
Operating system
Device type (computer, mobile, tablet)
Screen resolution
Language preferences

Usage Information:

Pages visited and time spent on pages
Links clicked
Referring website or source
Date and time of visits
Search terms used to find our website

Cookies and Similar Technologies:

We use cookies, web beacons, and similar tracking technologies (see Section 9 for details)

Location Information:

General geographic location based on IP address
Precise location if you grant permission through your mobile device

2.4 Communications

We collect information from your communications with us, including:

Email correspondence
Phone call recordings (with notice)
Text messages and SMS communications
Live chat conversations
Letters and written correspondence
Customer support inquiries
Feedback and survey responses

3. HOW WE USE YOUR INFORMATION

We use the information we collect for the following purposes:

3.1 Application Processing and Underwriting

Evaluate your eligibility for merchant cash advances
Verify your identity and prevent fraud
Assess creditworthiness and ability to repay
Determine funding amounts and terms
Conduct risk assessments
Make funding decisions
Generate and execute funding agreements

3.2 Service Delivery and Account Management

Provide merchant cash advance services
Process and collect payments
Monitor account performance and receivables
Send account statements and notifications
Provide customer support
Manage your account and relationship with us
Process renewals or additional funding requests

3.3 Communication

Respond to your inquiries and requests
Send transactional notifications (application status, payment confirmations, account alerts)
Provide customer service and support
Send important notices about your account or our services
Communicate about changes to our Terms or Privacy Policy
Send payment reminders and collection notices if applicable

3.4 Marketing and Promotional Purposes

Send information about our products and services
Offer promotions, special offers, or new funding opportunities
Send newsletters and updates
Conduct market research and surveys
Improve our marketing effectiveness

You may opt out of marketing communications (see Section 7).

3.5 Legal and Compliance

Comply with applicable laws, regulations, and legal processes
Respond to lawful requests from government authorities
Enforce our Terms and Conditions and other agreements
Protect our rights, privacy, safety, and property
Detect, prevent, and address fraud, security issues, or technical problems
Comply with anti-money laundering (AML) and know-your-customer (KYC) requirements
Report to credit bureaus and regulatory agencies as required
Defend against legal claims

3.6 Business Operations and Improvement

Analyze and improve our services and website
Develop new products and services
Conduct data analysis and research
Monitor and analyze usage trends
Enhance user experience
Test new features and functionality
Maintain and improve security
Train our staff

3.7 Business Transactions

Facilitate mergers, acquisitions, or sale of our business or assets
Transfer information as part of corporate restructuring
Enable assignment or sale of merchant cash advance agreements

4. HOW WE SHARE YOUR INFORMATION

We may share your information with third parties in the following circumstances:

4.1 Service Providers and Business Partners

We share information with third-party service providers who assist us in operating our business, including:

Underwriting and Verification Services:

Credit bureaus and reporting agencies
Identity verification services
Fraud detection and prevention services
Background check providers
Bank account verification services

Payment Processing and Banking:

Banks and financial institutions
Payment processors and merchant account providers
ACH processing services
Wire transfer services

Technology and Data Services:

Cloud storage and hosting providers
Data analytics and business intelligence services
Customer relationship management (CRM) platforms
Communication platforms (email, SMS, phone systems)
Website hosting and maintenance providers

Professional Services:

Legal counsel and attorneys
Accountants and auditors
Business consultants
Collections agencies (in case of default)

Marketing and Communications:

Email marketing platforms
SMS/text messaging services
Customer survey and feedback tools

All service providers are contractually obligated to:

Use your information only for specified purposes
Maintain the confidentiality and security of your information
Comply with applicable privacy and data protection laws

4.2 Credit Reporting Agencies

We may report your payment history, account status, and other information to consumer and business credit bureaus. This may affect your personal and business credit scores.

4.3 Legal and Regulatory Requirements

We may disclose your information when required or permitted by law:

In response to subpoenas, court orders, or legal processes
To comply with federal, state, or local laws and regulations
To cooperate with law enforcement or government authorities
To comply with tax reporting obligations
To respond to regulatory inquiries or investigations
To enforce our legal rights or defend against claims
When we believe disclosure is necessary to prevent harm, fraud, or illegal activity

4.4 Business Transfers

If Even Funding is involved in a merger, acquisition, sale of assets, bankruptcy, or other business transaction, your information may be transferred to the acquiring or successor entity. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

4.5 Purchasers and Assignees

We may sell, assign, or transfer our rights to receive payments under merchant cash advance agreements to third parties. When we do so, we may share your information with the purchaser or assignee as necessary to facilitate the transaction and service your account.

4.6 Affiliates and Related Entities

We may share information with our parent company, subsidiaries, affiliates, or related entities for business purposes, marketing, and to provide services to you.

4.7 With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

4.8 Aggregate and De-Identified Information

We may share aggregate, statistical, or de-identified information that does not identify you personally with third parties for research, marketing, analytics, or other purposes.

5. INFORMATION WE DO NOT SELL

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

While we may share information with service providers and partners as described above, we do not engage in the sale of customer data to data brokers, marketers, or other third parties who would use it for their own promotional purposes.

6. DATA SECURITY

6.1 Security Measures

Even Funding takes the security of your personal information seriously. We employ industry-standard security measures to protect your information from unauthorized access, disclosure, alteration, or destruction, including:

Technical Safeguards:

Encryption of sensitive data in transit and at rest (using SSL/TLS protocols)
Secure servers and data centers
Firewalls and intrusion detection systems
Regular security assessments and vulnerability testing
Multi-factor authentication for account access
Secure backup and disaster recovery systems

Administrative Safeguards:

Employee training on data privacy and security
Background checks for employees with access to sensitive data
Confidentiality agreements with employees and contractors
Access controls limiting who can view and process your information
Regular policy reviews and updates

Physical Safeguards:

Secure facilities with restricted access
Surveillance and monitoring systems
Secure disposal of physical documents containing personal information

6.2 Limitations

Despite our security measures, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee the absolute security of your information. You are responsible for:

Keeping your login credentials confidential
Using strong passwords
Notifying us immediately of any unauthorized access to your account
Taking reasonable precautions when sharing information online

6.3 Data Breaches

In the event of a data breach that compromises your personal information, we will:

Investigate the breach promptly
Take steps to mitigate harm
Notify affected individuals as required by law
Cooperate with law enforcement and regulatory authorities
Implement additional safeguards to prevent future breaches

7. YOUR CHOICES AND RIGHTS

7.1 Marketing Communications – Opt Out

You have the right to opt out of receiving marketing and promotional communications from Even Funding at any time. However, you will continue to receive transactional and account-related communications.

To opt out of marketing communications:

Email: Click the “Unsubscribe” link at the bottom of any marketing email

SMS/Text Messages: Reply “STOP” to any marketing text message

Phone: Tell us during a call that you do not wish to receive marketing calls, or call us at (929) 244-9630

Mail: Write to us at:
Even Funding LLC
Flushing, NY 11367
Attn: Privacy/Opt-Out Request

Email: Send your request to support@evenfunding.com with “Opt-Out” in the subject line

Please note: Opting out of marketing does not opt you out of transactional communications related to your account, application, or funding agreement.

7.2 Access to Your Information

You have the right to request access to the personal information we hold about you. To request access:

Email us at support@evenfunding.com
Call us at (929) 244-9630
Write to us at our business address

We will provide you with a copy of your information in a commonly used format within a reasonable timeframe, subject to certain exceptions allowed by law.

7.3 Correction and Update

You have the right to request that we correct or update inaccurate or incomplete personal information. To do so:

Log into your account portal (if available) and update your information
Email us at support@evenfunding.com with the updated information
Call us at (929) 244-9630

We will make reasonable efforts to update your information promptly. However, we may retain original information for legal compliance and recordkeeping purposes.

7.4 Deletion Requests

You may request that we delete your personal information, subject to certain limitations. We may retain information when:

Required by law or legal obligations
Necessary to complete a transaction or provide services you requested
Needed for fraud prevention and security
Necessary to enforce our agreements
Required for internal recordkeeping and compliance

To request deletion, contact us at support@evenfunding.com or (929) 244-9630.

7.5 Do Not Track Signals

Our website does not currently respond to “Do Not Track” signals from web browsers. You may adjust your browser settings to block cookies (see Section 9).

7.6 State-Specific Privacy Rights

Depending on where you reside, you may have additional privacy rights under state law:

California Residents: See Section 12 for California-specific rights under the CCPA/CPRA

Other States: Residents of certain other states may have rights to access, deletion, correction, and portability of their data. Contact us to exercise these rights.

8. DATA RETENTION

8.1 Retention Period

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, including:

Active Accounts: While you have an active merchant cash advance or ongoing relationship with us

Completed Transactions: For a period after your merchant cash advance is fully repaid, typically 7-10 years, to comply with:

Tax and financial recordkeeping requirements
Legal and regulatory requirements
Potential audit or legal dispute needs

Declined Applications: For a reasonable period (typically 2-3 years) for compliance, fraud prevention, and in case you reapply

Marketing Data: Until you opt out or we no longer have a business need for the data

8.2 Legal Requirements

We may be required to retain certain information for longer periods under:

Federal and state tax laws
Banking and financial regulations
Anti-money laundering (AML) requirements
Statute of limitations for legal claims
Other applicable laws

8.3 Secure Disposal

When we no longer need your information, we securely delete or destroy it in accordance with our data retention and disposal policies.

9. COOKIES AND TRACKING TECHNOLOGIES

9.1 What Are Cookies?

Cookies are small text files stored on your device when you visit a website. We use cookies and similar technologies to enhance your experience, analyze usage, and provide certain features.

9.2 Types of Cookies We Use

Essential Cookies:

Required for website functionality
Enable navigation and access to secure areas
Cannot be disabled without affecting website performance

Performance and Analytics Cookies:

Collect information about how visitors use our website
Help us understand popular pages and navigation patterns
Allow us to improve website performance
Examples: Google Analytics, internal analytics tools

Functionality Cookies:

Remember your preferences and choices
Personalize your experience
Store language preferences and settings

Marketing and Advertising Cookies:

Track your browsing across websites
Deliver targeted advertisements
Measure advertising effectiveness
Examples: Facebook Pixel, Google Ads, retargeting pixels

9.3 Third-Party Cookies

Some cookies are placed by third-party services that appear on our website. We do not control these third-party cookies. Please review the privacy policies of these third parties:

Google Analytics: https://policies.google.com/privacy
Facebook: https://www.facebook.com/privacy/policy
[Other third parties you use]

9.4 Managing Cookies

You can control cookies through your browser settings:

To Block Cookies:

Most browsers allow you to refuse cookies or delete existing cookies
Blocking cookies may affect website functionality
Instructions vary by browser (Chrome, Firefox, Safari, Edge, etc.)

To Opt Out of Tracking:

Google Analytics opt-out: https://tools.google.com/dlpage/gaoptout
Network Advertising Initiative opt-out: http://optout.networkadvertising.org/
Digital Advertising Alliance opt-out: http://optout.aboutads.info/

9.5 Web Beacons and Pixels

We may use web beacons (also called “pixels” or “clear GIFs”) in emails to track:

Whether emails were opened
Which links were clicked
Engagement with our content

You can disable images in your email client to prevent web beacons from loading.

9.6 Mobile Device Identifiers

Our mobile applications (if applicable) may collect device identifiers and use mobile analytics to understand app usage. You can limit ad tracking or reset your advertising identifier through your device settings.

10. EXTERNAL LINKS AND THIRD-PARTY WEBSITES

10.1 Third-Party Links

Our website may contain links to third-party websites, resources, or services that are not owned or controlled by Even Funding. These links are provided for your convenience and information.

10.2 No Responsibility

We are not responsible for:

The privacy practices of third-party websites
The content or security of external sites
How third parties collect, use, or share your information

10.3 Your Responsibility

We encourage you to:

Review the privacy policies of any third-party websites you visit
Exercise caution when clicking on external links
Understand that different privacy practices may apply

Providing a link does not constitute an endorsement of the third party or their practices.

11. CHILDREN’S PRIVACY

11.1 Age Restriction

Even Funding’s services are intended for businesses and individuals who are at least 18 years of age. We do not knowingly collect personal information from individuals under the age of 18.

11.2 No Knowing Collection

We do not knowingly:

Market to children under 18
Collect information from children under 18
Allow children under 18 to use our services

11.3 Parental Notification

If we become aware that we have inadvertently collected personal information from a person under 18 years of age, we will:

Take immediate steps to delete that information from our systems
Terminate any accounts created by individuals under 18
Notify parents or guardians if possible and appropriate

11.4 Parental Rights

If you believe we have collected information from a child under 18, please contact us immediately at:

Email: support@evenfunding.com
Phone: (929) 244-9630

12. CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)

12.1 Scope

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).

12.2 Categories of Information We Collect

We collect the following categories of personal information from California residents:

Identifiers: Name, address, email, phone number, SSN, driver’s license, IP address
Commercial Information: Transaction history, payment information, purchasing patterns
Financial Information: Bank account details, credit information, income data
Internet Activity: Browsing history, search history, website interactions
Geolocation Data: General location based on IP address
Professional Information: Employment history, business information
Inferences: Profiles reflecting preferences, characteristics, behavior, aptitudes

12.3 Sources of Information

We collect this information from:

Directly from you (applications, communications)
Your devices (automatically through cookies and tracking)
Third parties (credit bureaus, banks, public records)
Service providers assisting with our business

12.4 Purposes of Use

We use this information for the business and commercial purposes described in Section 3 of this Privacy Policy.

12.5 Categories We Share

We share personal information with the categories of third parties described in Section 4, including service providers, credit bureaus, financial institutions, and legal authorities.

12.6 Your California Rights

As a California resident, you have the right to:

Right to Know:

Request disclosure of personal information we collected, used, disclosed, or sold about you in the past 12 months
Request the categories and specific pieces of information we collected
Request the sources from which we collected your information
Request the business purpose for collecting or selling your information
Request the categories of third parties with whom we shared your information

Right to Delete:

Request deletion of personal information we collected from you, subject to certain exceptions

Right to Correct:

Request correction of inaccurate personal information we maintain about you

Right to Opt-Out of Sale/Sharing:

We do not sell personal information in the traditional sense
We may share information with third parties for targeted advertising, which may constitute “sharing” under CCPA
You have the right to opt out of this sharing

Right to Limit Use of Sensitive Personal Information:

You may request that we limit use of sensitive information (SSN, financial account info) to necessary purposes only

Right to Non-Discrimination:

We will not discriminate against you for exercising any of your CCPA rights
We will not deny services, charge different prices, or provide different quality of service because you exercised your rights

12.7 How to Exercise Your Rights

To exercise your California privacy rights:

Submit a Request:

Email: support@evenfunding.com with “California Privacy Request” in subject line
Phone: (929) 244-9630
Mail: Even Funding LLC, Flushing, NY 11367, Attn: California Privacy Rights

Verification:

We will verify your identity before processing requests
We may request additional information to confirm your identity
We will respond within 45 days (extendable by 45 days with notice)

Authorized Agents:

You may designate an authorized agent to make requests on your behalf
We will require written proof of authorization

12.8 “Shine the Light” Law

California Civil Code Section 1798.83 permits California residents to request information about disclosure of personal information to third parties for their direct marketing purposes. As stated in this Privacy Policy, we do not share personal information with third parties for their direct marketing purposes.

13. INTERNATIONAL USERS

13.1 US-Based Services

Even Funding is based in the United States and our services are intended primarily for users in the United States. Your information will be collected, processed, and stored in the United States.

13.2 Data Transfer

If you are accessing our services from outside the United States, please be aware that:

Your information will be transferred to and processed in the United States
US privacy laws may differ from those in your country
By using our services, you consent to the transfer of your information to the US

13.3 European Union / EEA Users

If you are located in the European Union or European Economic Area:

We do not specifically target EU/EEA residents for merchant cash advances
If you use our services, your data will be transferred to the US
You may have additional rights under GDPR (contact us for details)

14. CHANGES TO THIS PRIVACY POLICY

14.1 Right to Modify

Even Funding reserves the right to modify, amend, or update this Privacy Policy at any time to reflect:

Changes in our practices
Changes in applicable laws
New features or services
User feedback
Business needs

14.2 Notice of Changes

When we make material changes to this Privacy Policy, we will notify you by:

Posting the updated Privacy Policy on our website at https://evenfunding.com/privacy-policy/
Updating the “Last Updated” date at the top of this policy
Sending notice via email to your registered email address (for material changes)
Posting a notice on our website homepage

14.3 Continued Use

Your continued use of our services after changes become effective constitutes your acceptance of the revised Privacy Policy. If you do not agree to the changes, you should discontinue use of our services and contact us about closing your account.

14.4 Review Regularly

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

15. CONTACT US

15.1 Privacy Questions and Concerns

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

Even Funding LLC
Privacy Officer

Mailing Address:
Flushing, NY 11367

Phone:
(929) 244-9630

Email:
support@evenfunding.com
(Use subject line: “Privacy Inquiry”)

Website:
https://evenfunding.com

15.2 Response Time

We will respond to your inquiries within a reasonable timeframe, typically within 10 business days for general inquiries and within timeframes required by law for formal requests (e.g., 45 days for CCPA requests).

Last Updated: January 1st, 2026

SUMMARY OF KEY POINTS

For your convenience, here is a summary of key points in this Privacy Policy:

✓ What We Collect: Personal info, business info, financial data, credit reports, usage data
✓ Why We Collect: Process merchant cash advance applications, provide services, communicate, comply with law
✓ Who We Share With: Service providers, credit bureaus, banks, legal authorities
✓ We Don’t Sell Your Data: We do not sell personal information for marketing purposes
✓ Your Choices: Opt out of marketing, access your data, request corrections or deletion
✓ Security: Industry-standard measures to protect your information
✓ Contact Us: support@evenfunding.com or (929) 244-9630

This summary is for convenience only. Please read the full Privacy Policy above for complete details.

This Privacy Policy is subject to change. Please review periodically for updates.