Privacy Policy

1. Information We Collect

The information we collect depends on how you interact with VEQSA Capital.

A. Contact Information — We may collect information such as:

• First and last name
• Business or organization name
• Email address
• Telephone number
• State or geographic location
• Preferred contact method
• Professional role or relationship to a financing opportunity

1B. Business and Financing Information

When you submit a financing inquiry or potential transaction, we may collect information such as:

• Business name
• Business type or industry
• Years in business
• Financing type requested
• Requested financing amount
• Intended use of funds
• Approximate business revenue
• Transaction description
• Purchase price, when applicable
• Property information, when applicable
• Existing debt information, when applicable
• Other business or transaction information you voluntarily provide

1C. Referral and Deal Submission Information

Referral partners and other professionals may submit information concerning prospective clients, businesses, borrowers, investors, properties, or transactions.

This information may include contact information, business information, transaction details, financing requirements, and information concerning the relationship between the submitting party and prospective client.

If you submit information concerning another person or organization, you should have appropriate authority or permission to provide that information.

1D. Communications

We may retain information contained in communications with us, including:

• Emails
• Website inquiries
• Deal submissions
• Telephone-related records or notes where applicable
• Correspondence
• Requests for information
• Feedback
• Other communications concerning potential financing opportunities or our services

1E. Website and Technical Information

When you access our website, certain information may be collected automatically by our website infrastructure or technology providers.

Depending on the technologies implemented on the website, this information may include:

• IP address
• Browser type
• Device type
• Operating system
• Referring pages
• Pages viewed
• Date and time of access
• General interaction information
• Cookies or similar technologies

2. Information We Do Not Request Through General Website Forms

General VEQSA Capital website forms are intended for preliminary financing inquiries, business information, referral information, and deal submissions.

Unless specifically instructed through an appropriate secure process, please do not submit highly sensitive information through general website forms. Examples include:

• Social Security numbers
• Bank account login credentials
• Passwords
• Complete bank account numbers
• Payment-card information
• Authentication credentials
• Government identification numbers
• Other highly sensitive personal information

3. How We Use Information

VEQSA Capital may use information collected through the website and our communications to:

• Respond to inquiries
• Understand financing objectives
• Evaluate preliminary financing requests
• Evaluate potential transactions
• Identify potential financing structures
• Determine potential financing sources
• Communicate with prospective clients and referral partners
• Facilitate communications relating to financing opportunities
• Present or discuss appropriate opportunities with prospective lenders or capital providers
• Coordinate transaction-related activities
• Maintain business records
• Operate, maintain, secure, and improve our website
• Understand website usage and performance
• Prevent fraud, misuse, or security incidents
• Comply with applicable legal or regulatory obligations
• Establish, exercise, or defend legal rights
• Carry out other purposes reasonably related to the interaction for which the information was provided

4. Financing Evaluation and Capital Providers

A core purpose of VEQSA Capital's services is helping clients evaluate and pursue commercial financing opportunities.

When reasonably necessary to evaluate, structure, present, process, or facilitate a financing opportunity, relevant information may be shared with prospective lenders, capital providers, or other parties involved in evaluating the transaction.

Independent lenders and capital providers may have their own privacy policies, information requirements, underwriting processes, and legal obligations.

Once information is provided directly to an independent third party, that party's handling of the information may also be governed by its own privacy practices and applicable law.

5. How We May Disclose Information

We may disclose information in the following circumstances:

A. Lenders and Capital Providers — We may share relevant information with prospective lenders, capital providers, and financing sources when reasonably necessary to evaluate or pursue a financing opportunity.

B. Service Providers — We may use third-party service providers to support functions such as:

• Website hosting
• Website forms
• Email and communications
• Data processing
• Analytics
• Security
• Customer or relationship management
• Document management
• Professional services
• Other operational functions

5 (continued). Additional Disclosure Circumstances

These providers may process information as necessary to perform services for VEQSA Capital.

C. Professional Advisors — Information may be disclosed to attorneys, accountants, consultants, or other professional advisors where reasonably necessary for legitimate business, legal, compliance, or professional purposes.

D. Legal and Regulatory Requirements — We may disclose information where reasonably necessary to comply with applicable law, respond to valid legal process, cooperate with lawful governmental requests, protect our legal rights, investigate suspected fraud or misuse, or protect the security of our website, business, clients, or others.

E. Business Transactions — If VEQSA Capital undergoes or evaluates a merger, acquisition, financing, restructuring, sale of assets, reorganization, or similar business transaction, information may be disclosed or transferred as reasonably necessary in connection with that transaction, subject to applicable law.

F. With Your Direction or Consent — We may disclose information when you direct us to do so or otherwise provide appropriate authorization.

6. Sale of Personal Information

VEQSA Capital does not sell personal information in exchange for monetary consideration as part of its ordinary business operations.

If our practices change in a manner that creates additional rights or disclosure obligations under applicable privacy law, this Privacy Policy will be updated as appropriate.

7. Cookies and Similar Technologies

Our website and technology providers may use cookies or similar technologies to operate the website, maintain security, understand website performance, remember preferences, or analyze website usage.

The technologies actually used may change as the website evolves.

Where required by applicable law, appropriate notice or choices regarding non-essential cookies or similar technologies will be provided.

8. Third-Party Form Processing

VEQSA Capital may use third-party technology providers to receive and process website form submissions.

Information submitted through a website form may therefore be transmitted to and processed through the systems of the applicable form-processing provider before being delivered to VEQSA Capital.

Users should avoid transmitting highly sensitive personal or financial information through general website forms.

9. Third-Party Websites and Services

Our website may contain links to third-party websites or services, including lenders, capital providers, professional resources, social networks, or other external services.

VEQSA Capital does not control the privacy or security practices of independent third parties.

We encourage users to review the privacy policies of third-party websites and services before providing information directly to them.

10. Data Security

VEQSA Capital uses reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no website, electronic transmission, information system, or storage method can be guaranteed to be completely secure.

Users should exercise appropriate care when transmitting information electronically and should not submit highly sensitive information through general website forms.

11. Data Retention

VEQSA Capital may retain information for as long as reasonably necessary for the purposes for which it was collected, including:

• Evaluating financing opportunities
• Maintaining business and transaction records
• Managing ongoing relationships
• Resolving disputes
• Enforcing agreements
• Meeting legal, regulatory, tax, accounting, or compliance requirements
• Protecting legitimate business interests

11 (continued). Retention Periods

Retention periods may vary depending on the nature of the information, the transaction, the relationship, and applicable legal requirements.

12. Your Privacy Choices

Depending on your location and applicable law, you may have certain rights concerning personal information about you. These rights may include the ability to request:

• Access to certain personal information
• Correction of inaccurate personal information
• Deletion of certain personal information
• Information concerning how personal information is used or disclosed
• Other rights provided by applicable law

12 (continued). Submitting a Privacy Request

Not all rights apply in every circumstance, and certain information may be exempt from a request where permitted or required by law.

To submit a privacy-related request, contact info@veqsacapital.com.

VEQSA Capital may take reasonable steps to verify the identity and authority of a person making a privacy request before responding.

13. Marketing Communications

Where VEQSA Capital sends non-essential marketing communications, recipients may use the unsubscribe mechanism provided in the communication or contact us to request that such communications stop.

Transaction-related, relationship-related, or service communications may continue where reasonably necessary and permitted by law.

Submitting a financing inquiry does not by itself constitute unlimited consent to unrelated marketing communications.

14. Children's Privacy

The VEQSA Capital website and services are intended for businesses, professionals, investors, and adults seeking or facilitating commercial financing.

They are not directed to children.

VEQSA Capital does not knowingly seek to collect personal information from children through its financing inquiry or deal-submission processes.

If you believe a child has provided personal information through the website, please contact us.

15. U.S. Users and State Privacy Rights

Privacy rights and requirements may vary by state.

Residents of certain U.S. states may have additional rights regarding their personal information under applicable state privacy laws.

Where such laws apply to VEQSA Capital and to a particular individual or processing activity, VEQSA Capital will respond to applicable privacy requests in accordance with those requirements.

Nothing in this Privacy Policy is intended to provide fewer rights than those available under applicable law.

16. Do Not Track and Privacy Preference Technologies

Browser and device privacy technologies continue to evolve.

VEQSA Capital will address legally required browser-based privacy preference signals where and to the extent required by applicable law and applicable to the technologies used on the website.

17. Information Submitted by Referral Partners

Referral partners and professional contacts should exercise appropriate care when providing information concerning prospective clients or other third parties.

By submitting third-party information, the submitting party represents that it has appropriate authority or permission to provide the information for purposes of evaluating the financing opportunity.

Referral partners should not submit highly sensitive personal information through general website forms.

18. Changes to This Privacy Policy

VEQSA Capital may update this Privacy Policy periodically to reflect changes in our business practices, website technologies, services, legal requirements, or other circumstances.

When this Privacy Policy is materially revised, the "Last updated" date at the top of the page will be updated.

We may provide additional notice of material changes where appropriate or required by law.

19. Related Policies and Disclosures

This Privacy Policy should be read together with the VEQSA Capital Terms of Use and Disclosures.

20. Contact Us

Questions, concerns, or privacy-related requests may be directed to VEQSA Capital at info@veqsacapital.com.