Privacy Policy

Flow Capital Funds

Last updated: August 2025

I. INTRODUCTION

Flow Capital Funds ("Company," "Us," "Our," or "We") offers an online platform that provides access to information about third-party financial services and products. We respect your privacy and are committed to protecting it through our compliance with this privacy policy, supplemented by the Privacy Notice for California Residents (this "Policy").

This Policy describes the types of information we may collect from you or that you may provide when you use the website at www.flowcapitalfunds.com, including subdomains (our "Website") and our related services (the "Services") and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This Policy applies to information we collect:

• On this Website.
• In email, text, and other electronic messages between you and this Website and between you and the Company.
• When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this Policy.
• When you interact directly with us offline or through other means.

It does not apply to information collected by any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website or through any communication that you may have with one of our partners, such as a financial service provider.

IF YOU DO NOT WANT TO AGREE TO OUR POLICIES AND PRACTICES, DO NOT USE OUR WEBSITE OR ANY OF OUR SERVICES. By accessing or using this Website or any of our Services, you agree to this Policy. This Policy may change from time to time (see CHANGES TO OUR PRIVACY POLICY below). Your continued use of this Website or any of our Services after we make changes is deemed acceptance of those changes, so please check the Policy frequently for updates. Any capitalized terms not defined in this Policy have the definitions assigned to them in our Terms of Use.

Please note: Our Website and Services are intended to be accessed and used only by adults and are not offered or directed to minors. We do not knowingly collect personally identifiable information from anyone under the age of 18, and you should not provide us with any information regarding an individual under the age of 18.

II. INFORMATION WE COLLECT ABOUT YOU AND HOW WE COLLECT IT

Personal Information Collected. We may collect personally identifiable information (“Personal Information”) to use as part of our Service. This Personal Information may include, but is not limited to:

• Name, postal address, e-mail address, telephone number; and/or
• Any other identifier by which you may be contacted online or offline.

Other Information Collected. We may also collect the following information (together with Personal Information, “User Information”):

• Information about you that individually does not identify you, such as your income and your credit score;
• Information you choose to provide about a third party who is not seeking financial information; and/or
• Information about your internet connection, the equipment you use to access our Website, and usage details.

You may still access and use our Website and Services if you choose not to provide us with any of the above User Information, but some Website features and Services may not be available or as accurate.

You may provide information about other people, such as their name and email address. This information is used for the purpose it was provided. The third party may contact us at info@flowcapitalfunds.com to request removal of this information.

How We Collect This Information:

• Directly from you when you provide it to us.
• Automatically as you navigate through the Website, including usage details, IP addresses, cookies, web beacons, and other tracking technologies.
• From third parties, such as financial service providers with whom we partner. The collection and use of such information are governed by those third parties' policies.

Information You Provide to Us. This includes:

• Data submitted via forms on our Website, including loan request details or contest entries.
• Correspondence records (e.g., emails) if you contact us.
• Survey responses.
• Transaction details conducted via our Website.
• Search queries on our Website.
• Information submitted on third-party financial provider sites (which we may or may not receive).
• Your User Contributions (e.g., reviews or public posts) are posted at your own risk; we cannot guarantee their security once shared publicly.

III. INFORMATION WE COLLECT THROUGH AUTOMATIC DATA COLLECTION TECHNOLOGIES

We use technologies including:

• Cookies: Small files stored on your device. You may disable cookies in your browser, but some Website features may not function properly.
• Web Beacons: Small electronic files that help track visits and interactions with emails or pages.
• Third-party analytics services: (e.g., Google Analytics, FullStory) to collect non-personally identifiable data to improve our services.

This data helps us estimate audience size, remember preferences, speed up searches, and recognize returning visitors.

IV. THIRD PARTY USE OF COOKIES AND OTHER TRACKING TECHNOLOGIES

Third parties such as advertisers and financial service providers may use cookies or other tracking technologies on our Website to collect information about your online activities across websites to provide targeted advertising or content.

We do not control these third parties’ tracking or their use of data. Contact those providers directly with questions or to opt out of their targeted advertising.

V. HOW WE USE YOUR INFORMATION

We use, store, and process your information to:

• Present and improve our Website and Services.
• Provide requested information and services.
• Fulfill contracts and enforce our rights.
• Notify you of changes.
• Respond to your correspondence.
• Prevent fraud and illegal activity.
• Contact you about our and third-party goods and services, with opt-out options.
• Display advertisements targeted by advertisers, but only with your consent.

VI. HOW LONG WE STORE YOUR INFORMATION

We keep your information only as long as necessary to provide Services, maintain business operations, and/or comply with legal obligations.

VII. HOW YOUR INFORMATION MAY BE USED BY FINANCIAL SERVICE PROVIDERS

When you request info from a matched financial service provider, you consent to their credit and eligibility checks. Their use of your data is governed by their privacy policies.

VIII. DISCLOSURE OF YOUR INFORMATION

We may disclose your information to:

• Subsidiaries and affiliates.
• Financial service providers and government entities.
• Service providers supporting our business.
• Successors in mergers or sales.
• Third parties marketing to you (if you have not opted out).
• Comply with legal requirements.
• Protect our rights and safety.

If you provide a phone number, you consent to being contacted, possibly via autodialer, as per Telephone Consumer Protection Act.

IX. CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION

• Manage cookies in your browser.
• Opt out of marketing emails by contacting info@flowcapitalfunds.com or clicking unsubscribe.
• Opt out of targeted Google ads at https://adssettings.google.com and from Network Advertising Initiative members at https://www.networkadvertising.org.
• California residents may have additional rights (see below).

X. HOW WE RESPOND TO “DO NOT TRACK”

We currently do not respond to “do-not-track” signals. You can opt out of many advertisers’ cookies at http://www.aboutads.info/choices/.

XI. ACCESSING AND CORRECTING YOUR INFORMATION

Email info@flowcapitalfunds.com to request access, correction, or deletion of your data. Requests may require identity verification.

Note: Deleted User Contributions may remain in cached or archived pages or copied by others.

XII. YOUR CALIFORNIA PRIVACY RIGHTS

This section supplements this Policy for California residents pursuant to the California Consumer Privacy Act (CCPA).

Personal Information We Collect

• Identifiers (name, email, IP address, etc.)
• Customer records (employment, financial info)
• Protected characteristics (age, gender)
• Commercial information (purchase history)
• Internet activity (browsing, search history)
• Geolocation data
• Biometric and sensory data
• Professional and education info
• Inferences to create profiles

How We Use and Disclose Your Information

For business purposes such as communication, customer service, marketing, analytics, security, legal compliance, and with your consent.

Your Rights Under the CCPA

• The categories and specific pieces of personal data collected.
• The sources and purposes of data collection.
• The categories of third parties with whom data was shared.
• Deletion of your personal information (with exceptions).

To exercise rights, contact info@flowcapitalfunds.com with “CCPA request” in the subject line. Identity verification may be required.

Non-Discrimination: We do not discriminate against you for exercising CCPA rights.

XIII. DATA SECURITY

We use industry-standard technical and organizational measures (encryption, firewalls) to protect your data. However, no system is 100% secure, and transmission is at your own risk.

XIV. INTERNATIONAL DATA TRANSFERS

Your information may be transferred to countries with different data protection laws. We ensure appropriate safeguards for such transfers.

XV. CHILDREN’S PRIVACY

Our Services are not intended for persons under 18. We do not knowingly collect information from minors.

XVI. CHANGES TO OUR PRIVACY POLICY

We post updates on this page with the revision date. Significant changes are notified via email or Website notices. You are responsible for keeping your contact info current and reviewing this Policy regularly.

XVII. CONTACT US

For questions or requests, contact us at:
Flow Capital Funds
Email: info@flowcapitalfunds.com