PRIVACY POLICY

1. Scope of This Privacy Policy

This Privacy Policy applies to information collected or processed through:

• motenzacapital.com and related Motenza Capital webpages;
• business funding inquiries and applications;
• secure application and document workflows;
• identity and business-verification processes;
• fraud-prevention and risk-analysis processes;
• customer relationship management systems;
• telephone, email, SMS, and other business communications;
• funding-partner and capital-provider coordination;
• support, compliance, underwriting-support, and operational activities; and
• other interactions with Motenza Capital.

Independent capital providers, lenders, funding companies, financial institutions, verification providers, and other third parties may maintain their own privacy policies and data-handling practices.

2. Information We May Collect

A. Contact and Business Information

We may collect information such as:

• first and last name;
• business name;
• telephone number;
• email address;
• business and mailing address;
• business entity type;
• industry;
• time in business;
• ownership information;
• job title or business role;
• website information; and
• other business identification or operational information.

B. Funding and Application Information

We may collect information concerning a commercial funding request, including:

• requested funding amount;
• intended use of funds;
• business revenue;
• business expenses;
• existing financing obligations;
• outstanding business debt;
• financing history;
• business performance information;
• industry and operating history;
• ownership percentages;
• transaction details; and
• other information reasonably relevant to evaluating a commercial funding opportunity.

C. Financial Information and Documents

As an application progresses, we may request or receive:

• business bank statements;
• transaction and cash-flow information;
• financial statements;
• tax-related business documents;
• bank account information;
• voided checks;
• payment-processing information;
• accounts-receivable information;
• existing financing documents;
• business records; and
• other financial or supporting documentation.

The particular documents required may vary depending on the requested transaction and applicable capital source.

D. Identity, Ownership, and Verification Information

Where appropriate and permitted by law, Motenza Capital or authorized service providers may collect or process information used to verify identity, authority, ownership, or business legitimacy.

This may include:

• government-issued identification;
• taxpayer or business identification information;
• beneficial-ownership information;
• identity-verification results;
• business-registration information;
• public-record information;
• device or authentication information;
• fraud-prevention indicators;
• verification results; and
• other information reasonably necessary to authenticate an applicant, principal, guarantor, or authorized representative.

Sensitive information may be collected or processed through secure verification platforms or controlled systems rather than ordinary email or unsecured public channels.

E. Credit, Fraud-Prevention, and Risk Information

Where separately authorized and permitted by applicable law, we or an applicable capital provider may obtain, receive, or evaluate information relevant to creditworthiness, fraud prevention, identity verification, business legitimacy, underwriting, risk assessment, or eligibility.

Such information may originate from authorized data providers, public records, verification sources, financial institutions, capital providers, or other lawful sources.

Any credit-related inquiry or consumer-report activity requiring separate authorization or permissible purpose is subject to applicable authorization and legal requirements.

F. Communications

We may retain information concerning communications with Motenza Capital, including:

• emails;
• SMS messages;
• telephone communications;
• support requests;
• application correspondence;
• document requests;
• appointment information;
• consent and opt-in records;
• opt-out requests; and
• other business communications.

Where calls or other communications are recorded, such recording will be conducted only where permitted by applicable law and subject to any notice or consent requirements that may apply.

G. Website, Device, and Technical Information

When you use our website or digital services, we or our service providers may automatically receive information such as:

• IP address;
• browser type;
• device type;
• operating system;
• referring webpage;
• pages viewed;
• approximate location derived from technical information;
• session information;
• timestamps;
• cookies;
• advertising or analytics identifiers; and
• website interaction information.

3. Sources of Information

We may receive information:

• directly from you;
• from an authorized representative of your business;
• through Motenza Capital applications and forms;
• through secure document or verification systems;
• from capital providers and funding partners;
• from identity-verification and fraud-prevention providers;
• from technology and communications providers;
• from financial-information or account-verification services where authorized;
• from public business and government records;
• from credit or risk-information sources where authorized and permitted by law; and
• from other lawful sources reasonably related to a commercial financing request.

4. How We May Use Information

We may use information for legitimate business purposes, including to:

• respond to inquiries;
• create and maintain applicant and business records;
• receive and process commercial funding applications;
• evaluate potential funding opportunities;
• conduct internal review and underwriting support;
• identify potentially suitable capital channels;
• verify identity, ownership, authority, and business information;
• verify documents and information provided by applicants;
• conduct fraud-prevention, security, and risk analysis;
• detect inconsistencies or potentially unauthorized activity;
• request additional documentation;
• communicate regarding applications and funding opportunities;
• facilitate communication with applicable capital providers;
• submit information to selected capital providers where authorized;
• obtain or support potential offers;
• administer active transactions;
• provide customer and applicant support;
• operate our CRM, application, communication, and workflow systems;
• maintain consent and communication records;
• maintain security and protect systems and information;
• investigate suspected misuse or fraud;
• improve our processes, website, and services;
• conduct internal analytics and quality review;
• maintain business, compliance, and transaction records;
• exercise or defend legal rights;
• resolve disputes;
• cooperate with authorized legal or regulatory requests; and
• satisfy contractual, legal, regulatory, security, or compliance obligations.

Information may nevertheless be disclosed to appropriate capital providers and service providers where reasonably necessary to evaluate, process, arrange, support, secure, administer, or service a requested commercial financing transaction or otherwise operate our business as described in this Privacy Policy.

Online identifiers or website activity may be processed by analytics or advertising technologies as described in this Privacy Policy and our Cookie Policy, subject to applicable law.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. SMS opt-in data and consent will not be shared with third parties. Information may be shared only with service providers as necessary to support communications, customer service, and related operational services.

5. Technology-Assisted Analysis and Risk Management

Motenza Capital may use software, analytics systems, verification tools, fraud-prevention technologies, workflow automation, and other technology-assisted processes to organize information, identify inconsistencies, support risk evaluation, verify information, prioritize review, and assist authorized personnel in processing commercial funding requests.

Such technologies may generate indicators, classifications, alerts, summaries, or other analytical outputs.

Technology-assisted outputs are not representations or guarantees of approval, eligibility, identity, creditworthiness, fraud status, or funding availability.

Final eligibility, underwriting, approval, terms, or funding decisions may depend on Motenza Capital, an applicable capital source, or both, depending on the transaction.

We do not publicly disclose confidential underwriting logic, complete system architecture, security-sensitive configurations, or proprietary risk models.

6. Capital Providers and Funding Partners

Motenza Capital operates through a multi-source commercial capital model.

Depending on the transaction and applicable authorization, relevant application information may be evaluated internally or disclosed to selected:

• private or affiliated capital resources;
• strategic capital relationships;
• independent lenders;
• funding companies;
• financial institutions;
• specialty financing providers;
• factoring providers;
• equipment-finance providers;
• commercial finance providers;
• processors;
• brokers;
• underwriting resources; or
• other appropriate commercial capital sources.

We may select one or more potential capital channels based on information available to us, transaction characteristics, eligibility, documentation, availability, business judgment, and other relevant factors.

Submission of information to Motenza Capital does not require Motenza Capital to submit an application to every available provider.

Submission does not guarantee approval, an offer, specific terms, or funding.

Independent capital providers may maintain their own:

• underwriting criteria;
• pricing;
• eligibility standards;
• documentation requirements;
• privacy practices;
• security procedures;
• regulatory obligations; and
• data-retention practices.

Once information is lawfully disclosed to an independent capital provider, that provider’s handling of the information may also be governed by its own privacy policy, agreements, and legal obligations.

7. Service Providers and Operational Partners

Motenza Capital may use third-party service providers to support legitimate business operations.

These providers may perform services involving:

• customer relationship management;
• website and infrastructure services;
• secure document collection;
• identity verification;
• business verification;
• fraud prevention;
• risk analytics;
• financial-data processing;
• communications;
• telephone and SMS services;
• electronic signatures;
• workflow automation;
• application processing;
• cybersecurity;
• data storage;
• analytics;
• professional services; and
• other operational functions.

Service-provider access is intended to be limited to information reasonably necessary to perform authorized services.

Motenza Capital applies a risk-based approach to third-party relationships based on factors such as service criticality, information sensitivity, access, operational dependency, and reasonably foreseeable risk.

For security and confidentiality reasons, Motenza Capital does not publicly disclose its complete vendor, subprocessor, integration, system, or internal technology architecture.

Additional due-diligence information may be made available to qualified banks, lenders, funding partners, investors, auditors, or other authorized reviewers where appropriate.

8. SMS and Mobile Information

Motenza Capital may send SMS messages when a recipient has provided the consent required for the applicable type of communication.

SMS communications may include:

• application confirmations;
• document requests;
• identity or verification updates;
• application-status communications;
• appointment reminders;
• customer-support communications; and
• other messages related to a commercial funding request or requested service.

Message frequency may vary. Message and data rates may apply.

Recipients may reply STOP to opt out of applicable SMS communications and HELP for assistance.

Consent to receive SMS communications is not a condition of obtaining financing, purchasing a product, or receiving a service.

Mobile Information and SMS Consent

Mobile telephone numbers, SMS opt-in information, and SMS consent are not sold, rented, or shared with third parties or affiliates for their own independent marketing or promotional purposes.

SMS-related information may be processed by communications and technology providers solely as reasonably necessary to transmit messages, maintain messaging services, process opt-outs, maintain compliance records, prevent abuse, or provide related operational services on behalf of Motenza Capital.

Providing information in connection with a business funding application does not transfer your SMS marketing consent to an independent lender, funding company, broker, capital provider, or other third party.

Please review our separate SMS Communications Policy for additional information.

9. Email and Other Communications

When you request information, submit an application, or maintain an active business relationship with Motenza Capital, we may communicate with you regarding:

• your inquiry;
• your application;
• requested documents;
• verification;
• potential funding opportunities;
• transaction updates;
• account or servicing-related matters;
• appointments; and
• customer support.

Where promotional or marketing communications are used, applicable consent and opt-out requirements will apply.

You may unsubscribe from marketing emails using the unsubscribe method provided in the communication.

A request to stop marketing does not necessarily prevent communications reasonably necessary to process an active request, respond to you, administer a transaction, maintain security, or comply with legal obligations.

10. Disclosure for Legal, Security, and Business Purposes

We may disclose information where reasonably necessary and permitted by law to:

• comply with applicable law, regulation, subpoena, court order, legal process, or authorized governmental request;
• investigate suspected fraud, misuse, security incidents, or unlawful activity;
• protect applicants, customers, Motenza Capital, capital providers, service providers, or others;
• exercise, establish, or defend legal rights;
• enforce applicable agreements;
• respond to insurance, audit, compliance, or professional-adviser requirements where appropriate; or
• protect the security, integrity, or availability of our systems and operations.

Where appropriate, we may preserve information reasonably necessary for investigations, disputes, claims, litigation holds, regulatory inquiries, fraud prevention, security reviews, or contractual obligations.

11. Corporate Transactions

If IMG Business Consulting LLC, Motenza Capital, or relevant business assets are involved in a merger, acquisition, financing, restructuring, sale, transfer, reorganization, due-diligence process, or similar business transaction, information may be reviewed or transferred as permitted by applicable law and subject to appropriate confidentiality or other protections where appropriate.

12. No Sale of Applicant Financial Information for Unrelated Marketing

Motenza Capital does not sell applicant bank statements, identification documents, funding applications, or similar sensitive financial application information to unrelated parties merely for their independent consumer-marketing purposes.

13. Cookies and Online Technologies

Our website may use cookies, pixels, analytics technologies, session tools, and similar technologies for purposes that may include:

• operating website functionality;
• maintaining security;
• understanding website traffic;
• improving usability;
• measuring performance;
• analyzing website interactions; and
• evaluating advertising or marketing effectiveness.

Certain technologies may be provided by independent third parties.

Your browser or device may allow you to block or limit cookies, although doing so may affect website functionality.

Please review our Cookie Policy for additional information.

14. Information Security

Motenza Capital maintains a developing, risk-based security and privacy program designed to protect the confidentiality, integrity, and availability of information used in its operations.

Depending on the relevant system and risk, safeguards may include:

• access controls;
• role-based or need-based access restrictions;
• strong authentication practices;
• multi-factor authentication for supported critical systems where appropriate;
• controlled business systems;
• secure document or verification workflows;
• personnel access management;
• service-provider oversight;
• fraud-prevention and security monitoring;
• incident-response processes; and
• business-continuity considerations.

Sensitive applicant and business information is intended to be handled through controlled business systems and approved workflows rather than unsecured public channels whenever practicable.

No website, electronic communication, database, cloud service, security measure, or storage system can be guaranteed to be completely secure.

Accordingly, Motenza Capital does not warrant or guarantee absolute security.

15. Security and Privacy Incidents

Potential security or privacy incidents may be assessed based on the information involved, affected systems, potential impact, contractual obligations, and applicable legal requirements.

Where appropriate, Motenza Capital may take steps to:

• investigate;
• contain unauthorized activity;
• preserve relevant evidence;
• coordinate with applicable service providers;
• remediate identified issues;
• restore affected operations; and
• evaluate legally or contractually required notifications.

Nothing in this Privacy Policy constitutes a promise that a particular event will qualify as a legally reportable incident or that notification will be required where applicable law does not require it.

16. Access Control

Access to sensitive business, financial, and applicant information is intended to be limited to authorized personnel and approved service providers with a legitimate operational need.

Access may be modified, suspended, or removed when responsibilities change, a relationship ends, or access is no longer reasonably necessary.

Administrative or elevated privileges are restricted where appropriate based on legitimate business need.

17. Data Minimization

We seek to collect and process information reasonably related to:

• commercial funding requests;
• applicant verification;
• fraud prevention;
• underwriting support;
• communications;
• partner submission;
• transaction administration;
• security;
• compliance; and
• legitimate business operations.

The information required may vary depending on the financing product, transaction structure, stage of review, and applicable capital provider.

18. Data Retention

Motenza Capital may retain information for as long as reasonably necessary for legitimate purposes, including:

• processing and administering applications;
• maintaining transaction and business records;
• providing requested services;
• maintaining consent records;
• preventing and investigating fraud;
• maintaining security records;
• satisfying contractual obligations;
• resolving disputes;
• enforcing agreements;
• responding to claims;
• satisfying legal or regulatory requirements; and
• protecting Motenza Capital’s legal and business interests.

Retention periods may vary depending on:

• the type of information;
• the nature of the transaction;
• the relevant system;
• contractual obligations;
• applicable law;
• litigation or investigation holds;
• fraud-prevention needs; and
• applicable provider capabilities.

We do not represent that every category of information is retained for the same period.

19. Secure Disposal

Where information is no longer reasonably required and disposal is appropriate, Motenza Capital may delete, destroy, anonymize, de-identify, or otherwise render information inaccessible using methods appropriate to the relevant system, record type, contractual obligations, legal obligations, and available provider capabilities.

Third-party providers may maintain independent retention and deletion requirements.

20. Privacy Rights and Requests

Depending on your state of residence, the nature of the information, our relationship with you, and applicable law, you may have certain privacy rights.

Where applicable, these may include rights to request:

• confirmation of whether certain personal information is processed;
• access to certain personal information;
• correction of inaccurate information;
• deletion of certain information;
• information concerning certain disclosures;
• portability of certain information;
• restriction or limitation of certain processing; or
• other rights available under applicable law.

Not every right applies in every circumstance.

Certain information may be excluded from a request or retained where necessary or permitted for:

• legal obligations;
• contractual requirements;
• fraud prevention;
• security;
• transaction administration;
• recordkeeping;
• dispute resolution;
• protection of legal rights; or
• other lawful purposes.

Requests may be submitted to:

privacy@motenzacapital.com

We may take reasonable steps to verify the identity and authority of the person submitting a request before acting on it.

Authorized-agent requests may require verification of the agent’s authority where permitted by law.

Motenza Capital will not unlawfully discriminate against an individual for exercising an applicable privacy right.

21. Third-Party Websites and Independent Services

Our website may contain links to or integrations with independent third-party websites, capital providers, service providers, or platforms.

Motenza Capital does not control independent third parties and is not responsible for their privacy, security, availability, content, representations, or data-handling practices.

Your interaction with an independent third party may be governed by that party’s own privacy policy, terms, and agreements.

22. Business-Purpose Services

Motenza Capital’s services are designed for commercial and business purposes.

We do not offer consumer-purpose personal loans or residential mortgage financing through this website.

Applicants must be legally authorized to act on behalf of the business for which financing or services are requested.

23. Children’s Privacy

Motenza Capital’s commercial funding services are not directed to children.

We do not knowingly solicit business funding applications from individuals under 18 years of age.

If we become aware that information was submitted by a minor without an appropriate lawful basis, we may take reasonable steps to delete or restrict the information where appropriate and legally permitted.

24. Accuracy of Information Submitted

Applicants and business representatives are responsible for providing information that is accurate, current, and authorized.

Motenza Capital may rely on information submitted by applicants, representatives, service providers, public sources, and other authorized sources when processing a funding request.

Motenza Capital is not responsible for inaccuracies, omissions, or misrepresentations supplied by an applicant or an unauthorized third party, subject to applicable law.

We may request clarification, additional documentation, or verification where appropriate.

25. No Guarantee of Funding or Eligibility

Collection, processing, verification, analysis, or submission of information does not constitute:

• approval;
• a commitment to lend or fund;
• a guarantee of financing;
• a representation that a particular capital source will review an application;
• a guarantee of any specific rate, term, fee, amount, or product; or
• a guarantee that a transaction will be completed.

Financing availability and terms depend on transaction-specific circumstances, underwriting, documentation, applicable capital sources, eligibility, and other factors.

26. Changes to This Privacy Policy

Motenza Capital may revise this Privacy Policy as our business, technology, funding relationships, service providers, operations, or legal obligations develop.

The most current version will be posted on the official Motenza Capital website with an updated effective or revision date.

Your continued interaction with Motenza Capital after an updated Privacy Policy becomes effective is subject to the current policy and applicable law.

Where separate notice or consent is required by law for a material change, we will provide it as required.

27. Related Policies

This Privacy Policy should be read together with other applicable Motenza Capital policies and disclosures, including:

• Terms of Use;
• SMS Communications Policy;
• Cookie Policy;
• Electronic Communications Consent;
• Funding Disclosure;
• Security & Data Protection Policy;
• Compliance Policy; and
• Disclaimer.

If a transaction or service is subject to a separate authorization, disclosure, agreement, or capital-provider policy, that document may also apply.

28. Contact Information