Privacy Policy — CreditToCapital.ai

Effective date: October 28, 2026
Operator: CreditToCapital.ai is operated by Universal Media Marketing LLC ("we," "us," "our").
Contact: support@credittocapital.ai

1. Information we collect

• Contact information you provide: name, email address, and mobile phone number, when you complete our Funding Readiness Assessment, request our Funding Readiness Checklist, or contact us.
• Assessment information you provide: your answers to the Funding Readiness Assessment and related forms, including information about your credit profile, income, debts, and funding goals, as you choose to provide it.
• How you reached us: referral and campaign information attached to your submission (such as UTM parameters and a referral code, where present).
• Browser storage: We store a small amount of information in your browser so the site works as expected: a checklist-popup suppression timestamp (kept for 7 days) and a referral code (kept in session/local storage). This storage is used for site function only.
• On-page event logging: Activity on the assessment page (such as answers and progress) is logged in your browser for the page to function. It is not transmitted to an analytics provider.
• Third-party scripts: The site code contains Google Analytics (GA4) and Meta Pixel tags that are placeholders with no active IDs; they do not collect analytics data. The site loads a chat widget from our CRM provider (HighLevel/LeadConnector) to power the on-site chat assistant.

2. How we use your information

• To provide your Funding Readiness Assessment results and the Funding Readiness Checklist.
• To follow up on your funding review, including by phone, email, and (only with your separate SMS consent, see §5) text message.
• To prepare and submit funding applications and packages on your behalf, as you direct.
• To operate, improve, and protect our website and services, and to comply with legal obligations.

3. How we share your information

• Funding process: As part of the funding service, we may share application information you provide with lenders and funding partners as needed to seek funding on your behalf, and with service providers that help us operate (including our CRM provider, HighLevel, which receives form submissions, and our messaging and email providers, which deliver communications).
• Legal: We may disclose information if required by law or to protect our rights, safety, or property.
• SMS data (important): We do not share your mobile phone number or your SMS opt-in information with third parties for their marketing purposes. Mobile information is shared only with our messaging service providers and carriers as needed to deliver messages and operate the SMS program.
• Sale: We do not sell your personal information. Sharing information with lenders to process an application you have requested is done to provide the service you asked for.

4. Data retention

We retain your information for as long as needed to provide the services you requested, maintain our business records, and meet legal obligations. You may request deletion of your information by contacting support@credittocapital.ai. We will honor verified deletion requests subject to applicable legal record-retention obligations.

5. SMS communications (text messages)

• What we send: If you separately opt in through the checkbox on our assessment contact form (see "How you opt in" below), we may send you text messages about your funding assessment, application updates, and funding-related offers. Messages may include automated or marketing texts.
• Frequency: Message frequency varies.
• Cost: Message and data rates may apply.
• Consent is not required: Your consent to receive text messages is not required to purchase services or to complete the assessment.
• Opting out: Reply STOP to any message to opt out. Reply HELP for assistance.
• How you opt in: By checking the optional SMS checkbox on the Funding Assessment contact form. No other form on this website collects SMS consent.
• Carriers: Mobile carriers are not liable for delayed or undelivered messages.

6. Your choices

• SMS: Reply STOP to unsubscribe from text messages at any time.
• Email: Use the unsubscribe mechanism in our emails or contact us at support@credittocapital.ai.
• General and state rights: Depending on where you live, you may have additional privacy rights under state law. Contact us at support@credittocapital.ai with questions about your information or to exercise any rights available to you.

7. Contact us

CreditToCapital.ai, operated by Universal Media Marketing LLC — support@credittocapital.ai. No street address is published in this policy. A mailing address will be added only if approved.

8. Changes to this policy

We may update this policy from time to time. The effective date above will reflect the latest version.

9. Data Security

We take reasonable steps to protect your information, including transmitting information you submit through this website over encrypted (HTTPS) connections to our CRM and service providers. No method of transmission over the Internet or electronic storage is completely secure, so we cannot guarantee absolute security.