Terms And Condition

1. Scope of Services

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2. Right to Use; Privacy Policy

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3. Login Credentials; Communications

In connection with your use of the Services, we collect, directly or indirectly, three types of information:

Information regarding a business (“Business Information”);

Information about the business’s owners and guarantors (“User Information”); and

General information (i.e. non-personally identifiable information such as website-use information) that is automatically collected as you interact with the Site (“General Information”).

4. Fees and Payments

In connection with providing Services, we may receive Business Information from users, prospective borrowers and guarantors including, but not limited to:

Project, business or entity name(s)
Mailing address
Physical Street Address
Email address
Telephone number
Years in Business
Business type
Monthly Revenue
Bank account information
Payment processing procedures
Social network data
Accounting information and vendor service information

We may also receive User Information that consists of personally identifiable information, including, but not limited to: the owner’s or principal’s name, mailing address, email address, telephone number, date of birth, social security number, and estimated FICO score.

We collect User Information and Business Information from you when you (i) register on the Services, (ii) fill out forms or fields on the Services, (iii) complete an application for a product or service available through the Services or (iv) communicate with us by email, mail, text, telephone, facsimile, or other electronic means. In the course of providing the Services, we may collect additional Business Information or User Information from third parties, including, but not limited to, referral partners, identity verification services, mailing list providers, credit bureaus, and publicly available sources and may combine this information with information we already have about you.

5. Prohibited Conduct

We collect General Information from your computer, mobile device, or another access device when you use the Site (including downloading and using a mobile application or accessing a mobile-optimized site), view content about the Site on a third-party website, or open emails or links in emails from us. This General Information includes, but is not limited to, information about (i) your Internet connection; (ii) the equipment you use to access the Site and usage details; (ii) your operating system, browser version and IP address; (iii) your mobile device type, your device’s unique identifier, and your mobile network information and (iv) web pages or advertisements that you view and information that you search for on the Site. As is true of most Services, we gather certain information automatically and store it in log files. This information may include Internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, date/time stamp, and/or clickstream data. We may link this automatically-collected data to other information we collect about you.

We and our business partners, affiliates, or analytics or service providers use cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by such companies on an individual and aggregated basis.

We also use analytics software to allow us to better understand the functionality of our mobile application. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from. We do not link the information we store within the analytics software to any personally identifiable information you submit within the mobile application.

6. Intellectual Property Rights

One of our primary purposes in collecting Business Information, User Information and General Information from the Services and from third parties is to establish a safe, smooth, efficient and customized experience that allows website and mobile users to take full advantage of the products and services available through the Services. We use the information collected through the Services to

Enable users to obtain products and services through the Services;
Facilitate activities and transactions that occur in connection with marketing, underwriting, lending, servicing and collections;
Send notifications and information regarding the Services and products or services available through the Services;
Provide customer support;
Protect against potentially prohibited or illegal activities, including fraud;
Fulfill legal requirements;
Customize and enhance user experience;
Provide targeted marketing and advertising;
Measure the performance of and improve the Services or mobile application functionality;
Manage and protect our information technology infrastructure;
Administer and manage the security of the Services;
Compile, use, research, analyze, and generate data analytics reports to better understand our customers

7. Indemnification

You may review or modify your Business Information and User Information by logging into your Builders Capital account and updating your user profile. This section of the Services is password-protected to better safeguard your information. As a customer, you can update your password, physical address, and phone number at any time on the Services and if you need to change any other information in your profile, you can contact us at privacy@builders-capital.com or 206.267.2650.

We will retain your information for as long as your account is active or as long as reasonably useful for commercial purposes. We may be able to close your application but will need to retain certain information as necessary to comply with applicable laws regarding recordkeeping, reporting, and audits. Upon request, we can inform you of whether we maintain any of your personally identifiable information.

8. Third-Party Sites

Providing information regarding your browsing and application activity is voluntary. Most computer systems and browsers offer their own privacy settings. You can adjust your privacy settings to disable the cookies used on the Services. If you disable cookies, you can still use the Services, but your ability to use some features of the Services may be limited. Most mobile phones allow you to control privacy settings, including location-based services by accessing the device’s setting’s menu. If you have questions about the privacy settings on your mobile device, you should contact your mobile service carrier.

We, our affiliates, or our business partners may contact you to offer you products and services that may be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations, or other forms of contact from us, our affiliates, and our trusted business partners by following the unsubscribe instructions included in these emails or by contacting us at privacy@builders-capital.com or 206.267.2650. You may write to us at Builders Capital, 5601 6th Ave South, Suite 350, Seattle, WA 98108, Attn: Data Privacy Opt-Out. We will respond to your request within a reasonable timeframe. If you no longer wish to receive marketing notifications through the Builders Capital mobile application, you can adjust your device’s privacy preferences by visiting the settings page of the application. Opting out of newsletter or marketing emails or notifications will not stop any non-marketing emails or notifications related to the Service’s functionality or the products or services available through the Services.

9. Disclaimer

We may partner with third parties to display advertisements on the Services and manage advertisements on other websites or mobile applications. Third parties with whom we partner may use cookies or Web beacons to collect non-personally identifiable information about your activities on this and other Web sites to provide you targeted advertising based on your interests and browsing activity. Various browsers may offer their own tools to manage cookies and tracking.

Do-Not-Track is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. We do not currently respond to Do-Not-Track signals. If you wish to limit the collection of information by us or third-party partners to provide you with advertising based upon your website browsing activities and interests, you may click here to opt-out. To opt out of targeted advertising on your mobile device, iOS users can click here and Android users can click here. Please note that opting out of interest-based/targeted advertising does not limit all advertising. You will continue to receive generic advertisements. To opt-out of interest-based advertising or manage your preferences visit this website.

10. Limitation of Liability

The Services may include links to other websites or mobile applications whose privacy practices may differ from ours. We are not responsible for any practices employed on third-party websites or applications, including the information and content contained on the website or application.

If you submit information to a third-party website or application, your information is governed by the third party’s privacy policy. We encourage you to carefully read the privacy policy of any website or application you visit, access, or use. We are also not responsible for the accuracy of the information contained on third-party websites or applications, nor do we endorse the products or services advertised or referred to on those sites.

11. Release from Liability

We protect User Information and Business Information by using reasonable physical, electronic and procedural safeguards in compliance with applicable federal and state regulations. We use computer safeguards such as firewalls and data encryption using Transport Layer Security (TLS) technology. We also limit access to User Information and Business Information to employees who need the information to fulfill their job responsibilities. Such employees are provided access to User Information and Business Information only to the extent necessary to complete their job duties.