PRIVACY POLICY
Last Revised: November 26, 2025
EJAA CONSULTING CORP d/b/a (E-BUSINESS SOLUTIONS) and its subsidiaries we take seriously protecting the privacy of personal information. E-Business Solutions provides this Privacy Policy to its website visitors, users, and businesses that access services and products provided by or through E Business Solutions . We encourage you to read this notice to understand our privacy practices.
When you use, access, or interact with E Business Solutions website or other interface that links to this Privacy Policy, (collectively, “the Sites”) or otherwise apply for or use our business financial products and related services (together with the Sites, the “Services”), you are agreeing to thisPrivacy Policy and Terms of Use Agreement. Among other terms, you affirm that you are over the age of 18 and are fully able to form a binding, legal agreement with E-Business Solutions.
E-Business Solutions reserves the right at its sole discretion, to change, modify, add, or remove portions of these terms, at any time. It is your responsibility to check these terms periodically for changes. Your continued use of the Sites following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these terms, E-Business Solutions grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Sites.
We are committed to protecting your personal information (i.e., information that identifies an individual, such as a name and email address) and have implemented controls to protect information that is furnished to us directly, as well as information that we may obtain, with authorization, from third party sources. This Privacy Policy is designed to be accessible to users with disabilities and follows the Web Content Accessibility Guidelines – a recognized industry standard. Text elements are designed to be accessible and audible through voice assistant programs, such as JAWS, NVDA, and Orca. All graphic elements are designed to contain properly descriptive alternate text to assist disabled consumers with audio assist needs.
If you have any questions or complaints regarding our Privacy Policy, or if you need assistance in exercising any privacy choices under this Privacy Policy, please contact us at [email protected].
I. Site Security
As a condition of your use of the Sites, you agree that you will not take any action intended to: (i) access data that is not intended for you; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any customer or user of the Sites; (iii) probe, scan or test the vulnerability of the Sites or the Kapitus network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any user, host or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus to the Sites, overloading, “flooding,” “spamming,” “mail bombing” or “crashing;” or (v) send unsolicited mail, including promotions and/or advertising of products and services. Violations of system or network security may result in civil or criminal liability.
We take reasonable measures, including administrative, technical, and physical safeguards to protect your information from loss, misuse, unauthorized access, disclosure, alteration, and destruction. These security measures include firewalls, data encryption, physical access controls to our data centers, and information access authorization controls.
II. Information We Collect
Information Collected Directly From You
In connection with our provision of Services, we collect business information, as well your personal financial information that you voluntarily provide to us by using our Sites and Services. We may gather additional information during your subsequent use of the Sites or when we communicate with you via telephone, email, or other means.
Certain personal information must be supplied during the application processes in order to meet our legal obligations, verify your identity, facilitate determinations for credit eligibility, protect against fraud, and complete your transaction. The following categories of information may be collected:
1. Your identifying information (for example, your name, account name, driver’s license information, address, email, telephone number, and date of birth) or similar identifiers;
2. Basic business information (for example, business name, address, email, website URL, telephone number, company structure, industry type, ownership information, and date of formation) or similar identifiers;
3. Full or partial social security number and/or business identification numbers;
4. Annual revenue and sources of revenue; and
5. Financial information (for example, bank statements, credit card statements, average bank balance, and credit score).
We may also collect information that you provide to us about your co-applicant in connection with a joint application. By submitting information about someone other than yourself, you represent that (i) you are authorized to provide us with that person’s information for the purposes identified in this Privacy Policy and/or in connection with our Services and (ii) the information provided is true and accurate to the best of your knowledge.
Information Collected From Third Parties
In connection with an application, we may also collect information from credit bureaus and other third parties to make determinations for financing eligibility, perform analyses, and assess risks related to your potential financing. If you are approved for financing, we also collect information throughout the life of our business relationship with you in order to assess risks associated with your financing and perform analyses. We may also receive information about you from one of our referral providers or lead vendors. The following categories of information may be collected from third parties:
1. Your identifying information (for example, your name, account name, driver’s license information, address, email, telephone number, and date of birth) or similar identifiers;
2. Basic business information (e.g., business name, address, email, URL, telephone number, company structure, industry type, ownership information, and date of formation) or similar identifiers;
3. Credit score, credit history, and other information relating to creditworthiness and identity;
4. Bank account information; and
5. Financial, tax, and transactional information about your business from third parties such as financial institutions, credit card processors, vendors and service providers, and publicly available sources.
Information Gathered Based on Your Activity on the Sites
In addition to the above, Kapitus may collect information about your visits to the Sites and the computer or device through which you access the Sites, such as your IP address, geographical location, operating system, browser type, referral source, time and length of visit, button clicks and/or page views, and your mobile device identifier (IDFA or AAID).
We may use technologies such as but not limited to cookies, beacons, tags, and scripts, to analyze trends, administer the Sites, track users’ movements around the Sites, and gather information about our user base. We may receive reports on this activity on an individual and aggregated basis.
We may use cookies when you interact with the Sites to keep track of your personal session, help authenticate your account, and detect fraud. Cookies are also used to gather statistical data, such as which pages are frequently visited, and what is downloaded, as well as for marketing and advertising purposes. You can control the use of cookies within your web browser. However, if you reject cookies, your ability to use some features or areas of the Sites may be limited.
III. How We Use Your Information
We may use the information we collect in a number of ways, including the following:
1. To process your business’s application and determine its qualification for financial products;
2. To facilitate servicing and collections activities;
3. To verify your identity, conduct appropriate diligence, and keep your information current;
4. To provide customer support;
5. To understand, personalize, and enhance your experience;
6. To show advertisements for our products and/or offers to you on third party sites;
7. To measure and improve the performance and functionality of the Sites;
8. To manage the security of the Sites;
9. To compile and generate data analytics reports to better understand our customers and to improve the user experience;
10. To operate, maintain, improve, and provide to you the Services and to conduct our business activities, including our own financing products and referring you to third party financing providers;
11. To comply with applicable legal requirements, contractual obligations, and our policies, as well as to protect our legal rights;
12. For any other purposes that we may specifically disclose at the time you provide, or we collect, your information; and
13. For any other purpose with your consent.
IV. How We Disclose Your Information
We may disclose your personal information with non–affiliates (companies not related by common ownership or control) and among affiliates (companies related by common ownership or control, including but not limited to the companies covered by this policy) only in the ways that are described in this Privacy Policy. By law, you are permitted to limit some types of disclosure, but not others.
E-Business Solutions may disclose the information we collect about you in the following ways:
1. With your co-applicant in order to process your business application and as needed to our Services;
2. With our service providers who help us conduct our business, advertising and marketing activities, such as maintaining our files and records, offering customer service, sending marketing communications, fraud prevention, identity verification, credit checks, collections, and payment processing;
3. Among our subsidiaries and affiliates, including as needed for the provision of the Services;
4. With our referral sources, lead vendors, advertising partners, bank partner, other business partners, and third–partyfinancing providers, including lenders, purchasers of accounts receivables, factoring companies, equipment finance or leasing companies, or other similar sources of commercial financing. If you enter into a financing relationship with any of these third parties, your personal information will be subject to the privacy policy of that third-party, which may differ from this Privacy Policy. We encourage you to review the governing privacy policies of any third parties with whom you establish a relationship;
5. With Credit bureaus to meet credit reporting obligations;
6. To comply with, or to allow investors or potential investors to comply with, any applicable law, regulation, legal process or governmental request, or contractual obligation; or for the purposes of limiting fraud;
7. In connection with a legal proceeding;
8. In connection with any actual or potential merger, acquisition, financing, due diligence, reorganization, bankruptcy, receivership, sale of company assets, transition of service to another provider, or other similar corporate transaction or event;
9. For any other purposes disclosed by us when you provided the information; and
10. With any other person or entity where you consent to the disclosure.
V. Third Party Links
We may provide links to websites that are owned or operated by other companies. When you use a link to visit a third-party site, you will be subject to that website’s privacy and security practices, which may be different from ours. Linked websites are not under our control and we expressly disclaim any responsibilities or liability for those other websites, including all content made available to you on those sites. We encourage you to carefully read the privacy policies and terms and conditions of any website you visit, including any linked third-party website.
VI. Important Privacy Choices
Blogs and other Public Forums
Our Sites offer publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog, community forum, or other social media, contact us by email at [email protected]. If we are unable to remove your personal information, we will let you know we are unable to do so and why.
Testimonials
We display personal testimonials of satisfied customers on our Sites in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, contact us by email at [email protected]
Marketing Communications
You may choose to stop receiving marketing emails by following the unsubscribe instructions included in those emails. You may also request that we do not call you for marketing-related purposes. In addition to following the unsubscribe instruction in relevant email communications, you may make these requests by contacting us at [email protected] or calling us at (855)601-4368. We will respond to your request within a reasonable timeframe. In addition, if you no longer wish to receive marketing notifications through our mobile applications you can adjust your device’s privacy preferences by visiting the settings page of the device. Opting out of marketing emails or notifications will not stop your receipt of non-marketing emails and notifications related to our Services.