Privacy policy

Effective November 6, 2026

1. Introduction

Fair Square Funding ("Fair Square Funding," "we," "our," or "us") is a New York-based small business funding company. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us in any way — including by phone, email, and SMS / text message.

2. Information we collect

Personal information

We may collect various types of personal information, including but not limited to:

• Contact Information: Name, email address, phone number, mailing address
• Business Information: Business name, industry, revenue, years in business, tax ID number
• Financial Information: Bank account information, credit history, financial statements, transaction history
• Government-Issued Identification: Social Security number, driver's license, passport information
• Employment Information: Job title, employer information, income details

Automatically collected information

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

• IP address and device identifiers
• Browser type and version
• Operating system information
• Pages visited and time spent on our website
• Referring website or source
• Click patterns and user preferences

Information from third parties

We may receive information about you from third-party sources, including:

• Credit reporting agencies
• Financial institutions
• Public databases and records
• Marketing partners and lead generation companies

3. How we use your information

We use your information for various legitimate business purposes, including:

Service provision

• Processing and evaluating funding applications
• Connecting you with financing and related services offered by our funding partners
• Managing your account and customer relationship
• Processing payments and transactions
• Providing customer support and responding to inquiries

Legal and regulatory compliance

• Verifying your identity and preventing fraud
• Complying with applicable laws and regulations
• Reporting to regulatory authorities as required
• Maintaining records as required by law

Business operations

• Improving our services and website functionality
• Conducting market research and analytics
• Developing new products and services
• Marketing and promotional activities (with your consent)
• Risk assessment and management

4. Information sharing and disclosure

We may share your information in the following circumstances:

Service providers

We work with third-party service providers who assist us in operating our business. These may include:

• Payment processors and financial institutions
• Credit reporting and verification services
• Technology and hosting providers
• Marketing and analytics companies
• Legal and professional service providers

Business partners

We may share information with trusted business partners, including:

• Lending partners and investors
• Insurance providers
• Referral partners

Legal requirements

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

• Comply with legal processes or court orders
• Respond to government requests or regulatory inquiries
• Protect our rights, property, or safety
• Prevent fraud or illegal activities
• Enforce our terms of service

5. Data security

We use administrative, technical and physical measures designed to safeguard personal information, taking into account the nature of the information and how it is collected, used and stored. These measures may include access controls, procedures for handling information and safeguards provided by technology and service providers.

When Fair Square Funding requests identity, business or financial documents, use the application identified by Fair Square Funding rather than sending sensitive information through general email. Contact us if you are uncertain whether a request or upload location is authorized.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Cookies and tracking technologies

We use cookies and similar tracking technologies to enhance your experience on our website:

Types of cookies we use

• Essential Cookies: Necessary for basic website functionality
• Performance Cookies: Help us understand how visitors use our website
• Functionality Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements

Managing cookies

You can control cookies through your browser settings. However, disabling certain cookies may affect your ability to use some features of our website.

Third-party analytics

We use third-party analytics services, such as Google Analytics, to help us understand website usage patterns. These services may use cookies and similar technologies to collect information about your visits.

7. Your privacy rights

Depending on your location, you may have certain rights regarding your personal information:

General rights

• Access: Request information about the personal data we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request a copy of your data in a portable format
• Objection: Object to certain uses of your personal information
• Restriction: Request restriction of processing in certain circumstances

Marketing communications

You can opt out of marketing communications at any time by:

• Clicking the unsubscribe link in our emails
• Contacting us directly

Exercising your rights

To exercise any of these rights, please contact us using the information provided in the "Contact Information" section below. We will respond to your request within the timeframe required by applicable law.

8. Third-party links and services

Our website may contain links to third-party websites or services. This Privacy Policy does not apply to those third-party sites or services. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

10. California privacy rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

Right to know

You have the right to request information about the categories and specific pieces of personal information we have collected about you, as well as information about our data practices.

Right to delete

You have the right to request deletion of your personal information, subject to certain exceptions.

Right to non-discrimination

We will not discriminate against you for exercising your privacy rights.

Authorized agent

You may designate an authorized agent to make requests on your behalf. We may require verification of the agent's authority.

11. International users

If you are accessing our services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where our servers are located and our central database is operated.

By using our services, you consent to the transfer of your information to the United States. We will take appropriate measures to ensure that your personal information receives an adequate level of protection.

12. Changes to this privacy policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:

• Posting the updated Privacy Policy on our website
• Sending you an email notification (if we have your email address)
• Providing notice through our services

Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of those changes.

13. Contact information

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

Contact us

Fair Square Funding
261 Madison Ave, 10th Floor, #1058
New York, NY 10016
Phone: (888) 885-0986
Email: privacy@fairsquarefunding.com

14. SMS & text messaging program

If you provide us with your mobile telephone number — through our online application, contact form, the consent disclosure on our website, or during a verbal conversation with one of our representatives — and consent to receive text messages, here is how the Fair Square Funding SMS program works.

Program purpose

Fair Square Funding may text you to: respond to inquiries you have submitted; deliver application status, document requests, e-signature links, and funding notifications related to your application or account; remind you of upcoming or missed payments; share servicing notices; and occasionally send service updates, refinance offers, and educational content related to small-business funding. Messages are sent only after you have provided your mobile number to Fair Square Funding directly or through one of our authorized lead-generation partners with disclosed consent to be contacted.

Consent is not a condition of any service

You are not required to agree to receive text messages in order to apply for, obtain, or maintain any product or service from Fair Square Funding. You may withdraw consent at any time using the methods described below.

Message frequency

Message frequency varies based on your interactions with us and the status of your application or account. You may receive several messages per week during active applications and fewer at other times. There is no fixed maximum.

Charges

We do not charge for messages. Your wireless carrier's standard message and data rates may apply. Fair Square Funding is not liable for any delayed or undelivered messages, which may result from carrier issues outside our control.

HELP — getting assistance

Reply HELP to any text from Fair Square Funding to receive contact information for support, or email info@fairsquarefunding.com or call (888) 885-0986.

STOP — opting out

Reply STOP to any text from Fair Square Funding to unsubscribe from all further texts. You will receive one final confirmation message and then no further text messages will be sent to that mobile number from our SMS program. You may also opt out by emailing privacy@fairsquarefunding.com with the subject line "Stop SMS." Note that even after opting out of marketing texts, we may still send you transactional or service messages — application status, e-signature links, payment notices, funding confirmations — that are necessary to deliver the services you requested. You may opt out of those by terminating your application or account with us.

Supported carriers

Our SMS program supports all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, U.S. Cellular, and their resellers and MVNOs. Carriers are not liable for delayed or undelivered messages.

No sharing for third-party marketing

The mobile information you provide to Fair Square Funding for the SMS program will not be shared with third parties or affiliates for their own marketing or promotional purposes. Aggregator and service-provider sharing for the sole purpose of delivering messages on our behalf is permitted under this Policy.

15. TCPA right to contact and express consent

By submitting our online application, our contact form, or otherwise providing your telephone number to Fair Square Funding, you expressly consent and agree that Fair Square Funding — and parties acting on our behalf — may contact you at the telephone number(s) you provide using:

• Live calls and voicemail
• Pre-recorded or artificial-voice calls
• Automated dialing systems and SMS / MMS text messages
• Email

This consent applies even if the number you provide is on any state or federal Do Not Call list and is given for purposes including, but not limited to, processing your inquiry or application, providing the products and services you have requested, account servicing, payment reminders, fraud prevention, and marketing of additional Fair Square Funding products and services.

Consent is not a condition of any service or purchase. You do not have to agree to be contacted by automated means in order to engage Fair Square Funding, and you can withdraw consent at any time by replying STOP to a text message, by asking the agent on a live call to remove your number, or by emailing privacy@fairsquarefunding.com.