Privacy Policy

Effective Date: [June 20, 2025]

At Arnezz Inc (“Company”, “we”, “our”, or “us”), operating the website https://arnezzcapital.com (the “Site”), your privacy is a top priority. This Privacy Policy explains how we collect, use, share, and protect your information when you access our services, including when you apply for business or real estate loans.

This Policy is designed to comply with applicable privacy laws, including the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and the General Data Protection Regulation (GDPR) of the European Union.

1. Information We Collect

We collect various types of personal, business, and technical information when you interact with our site or use our services:

A. Personal and Business Information
  • Full Name

  • Date of Birth

  • Social Security Number / Tax ID

  • Driver’s License or Government-issued ID

  • Phone Number

  • Email Address

  • Home and Business Addresses

  • Business Name and EIN

  • Bank Account Details

  • Credit History and Credit Scores

  • Income and Financial Documentation

  • Property and Investment Information

B. Automatically Collected Data

When you access our website, we may collect:

  • IP Address

  • Device Type, Operating System, and Browser Type

  • Referral URLs and Pages Visited

  • Time Spent on the Site

  • Cookies, Pixels, and other tracking technologies

 

2. How We Use Your Information

We use the data we collect for the following lawful purposes:

  • To verify your identity and evaluate loan applications

  • To conduct background and credit checks

  • To communicate regarding your loan status or other services

  • To comply with legal obligations and regulatory requirements

  • To prevent fraud and ensure platform security

  • To improve our website functionality and service experience

  • For customer support, marketing, and remarketing purposes (with your consent)

 

3. Legal Bases for Processing (GDPR)

If you are a resident of the European Economic Area (EEA), we rely on the following legal bases to process your personal data:

  • Consent – You have given clear consent for us to process your personal data.

  • Contractual Necessity – Processing is necessary to perform a contract with you.

  • Legal Obligation – We are legally required to process the data.

  • Legitimate Interests – Processing is necessary for our legitimate business interests.

 

4. How We Share Information

We may share your personal information with the following categories of recipients:

  • Financial institutions and lenders for loan underwriting and processing

  • Credit bureaus for verification and reporting

  • Service providers (cloud hosting, data analytics, email platforms, etc.)

  • Legal authorities as required by applicable laws or court orders

  • Business partners and affiliates, only with your consent

We do not sell or rent personal information for monetary value.

 

5. Your Rights

A. California Residents (CCPA/CPRA)

If you are a California resident, you have the right to:

  • Know what personal information we collect, use, and share

  • Request deletion of your personal information

  • Opt out of the sale or sharing of your personal data

  • Correct inaccurate personal information

  • Limit the use of sensitive personal information

  • Not be discriminated against for exercising your rights

To exercise your rights, contact us at: [email protected] or call [Insert Phone Number].

B. EU Residents (GDPR)

You have the right to:

  • Access your personal data

  • Rectify inaccurate or incomplete data

  • Request deletion (“Right to be Forgotten”)

  • Restrict or object to data processing

  • Data portability

  • File a complaint with a Data Protection Authority (DPA)

To submit a GDPR request, email [email protected].

 

6. Cookies & Tracking Technologies

We use cookies and similar technologies to enhance user experience and collect usage data.

You can control the use of cookies through your browser settings. Blocking cookies may affect your experience on our website.

 

7. Data Retention

We retain your information only as long as necessary to:

  • Fulfill the purpose it was collected for

  • Meet our legal, accounting, and regulatory obligations

  • Resolve disputes and enforce agreements

When no longer needed, we securely delete or anonymize your data.

 

8. Security of Your Information

We implement industry-standard safeguards to protect your personal information, including:

  • SSL/TLS encrypted communications

  • Firewalls and intrusion detection systems

  • Data encryption at rest and in transit

  • Role-based access controls

  • Employee privacy training

While no system is 100% secure, we strive to use commercially acceptable means to protect your data.

 

9. Children’s Privacy

Our services are intended only for individuals 18 years or older. We do not knowingly collect personal data from children under 13 (or 16 under GDPR). If we become aware, we will delete the data immediately.

10. Third-Party Links

Our website may contain links to third-party sites. This Privacy Policy does not apply to those sites. Please review their privacy practices before sharing any information.

11. International Transfers

If you access our services from outside the U.S., you acknowledge your data may be transferred to and processed in the United States or other countries where we or our third-party providers operate.

We ensure appropriate safeguards are in place for international data transfers, including Standard Contractual Clauses (SCCs) where applicable.

12. Changes to This Privacy Policy

We may update this policy periodically. Updates will be posted with an updated effective date at the top. You should review this Privacy Policy regularly.

 

13. Contact Us

If you have questions or concerns about this Privacy Policy or your personal data, please contact:

Arnezz Inc
Website: https://arnezzcapital.com
Email: [email protected]
Phone: 701-412-2205
Mailing Address: 3523 45th ST S Fargo ND 58104