Privacy Policy

Kapital Pulse ("Kapital Pulse," "we," "us," or "our") respects your privacy and is committed to protecting the personal and business information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit www.coastalkapital.com (the "Site"), submit an inquiry or application, or otherwise interact with our commercial equipment financing and working capital services.

By using our Site or submitting information to us, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Site or provide us with information.

1. Information We Collect

Information you provide directly

• Contact details (name, company name, title, email address, phone number, mailing address)
• Business information (entity type, years in operation, industry, equipment or capital needs)
• Financial information submitted for underwriting purposes (revenue, bank statements, tax returns, credit information, and related documentation)
• Communications you send us, including messages, call recordings, and form submissions

Information collected automatically

• IP address, browser type, device information, and referring/exit pages
• Usage data such as pages visited, time on page, and click activity, collected via cookies and similar tracking technologies

2. How We Use Your Information

• To evaluate and process financing or capital applications, including underwriting and credit decisions
• To communicate with you about your inquiry, application, or account, including by phone, email, and text message (SMS)
• To send marketing and promotional communications, where you have consented or as otherwise permitted by law
• To connect you with third-party lenders, capital partners, or funding sources as part of our deal origination and brokering services
• To improve our Site, services, and customer experience
• To comply with legal, regulatory, and contractual obligations, and to detect and prevent fraud

3. Text Message & Email Communications

By providing your phone number or email address through our Site or forms, you consent to receive calls, text messages (SMS/MMS), and emails from Kapital Pulse regarding your inquiry, application, and related financing or capital offerings. Message and data rates may apply. Message frequency varies.

You may opt out of text messages at any time by replying "STOP," and opt out of marketing emails by using the unsubscribe link included in each message. Opting out of marketing communications will not affect service-related communications necessary to process an active application.

4. How We Share Information

We do not sell your personal information. We may share information with:

• Third-party lenders, funding sources, and capital partners for purposes of evaluating or completing a financing transaction
• Service providers who support our operations (e.g., CRM, underwriting, payment processing, and communications platforms)
• Professional advisors (accountants, attorneys) as needed
• Regulators or authorities when required by law, subpoena, or legal process
• A successor entity in the event of a merger, acquisition, or sale of business assets

5. Cookies & Tracking Technologies

Our Site may use cookies, pixels, and similar technologies to operate the Site, analyze traffic, and support marketing efforts. You can control cookies through your browser settings; disabling cookies may affect Site functionality.

6. Data Security

We use administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Your Privacy Rights

Depending on your state of residence, you may have rights to access, correct, or request deletion of your personal information, or to opt out of certain uses. To exercise these rights, contact us using the information below. We will verify your request and respond in accordance with applicable law.

8. Children's Privacy

Our Site and services are intended for business use by individuals 18 years of age or older. We do not knowingly collect information from minors.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date above reflects the most recent revision. Continued use of our Site or services after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

If you have questions about this Privacy Policy or how your information is handled, :