Privacy Policy

Last updated: [DATE]

Ridgewood Capital USA ("Ridgewood," "we," "us," or "our") respects the privacy of visitors to this website and of the businesses and individuals who apply for or inquire about our commercial financing products. This Privacy Policy explains what information we collect, how we use it, and the choices available to you.

1. Information We Collect

We may collect the following categories of information:

• Business information you provide when inquiring about or applying for financing, such as company name, entity type, financial statements, revenue figures, bank references, and collateral details.
• Personal information of business principals, officers, or guarantors provided in connection with an application, such as name, contact details, and, where authorized in writing, credit history obtained from consumer reporting agencies.
• Contact information you submit through this website, by email, or by phone.
• Technical information collected automatically when you visit this site, such as IP address, browser type, pages viewed, and cookies or similar technologies.

2. How We Use Information

We use the information we collect to:

• Evaluate and process financing inquiries and applications;
• Verify identity and conduct underwriting, credit, and due diligence review;
• Communicate with you about your inquiry, application, or account;
• Comply with legal and regulatory obligations, including anti-money-laundering and know-your-customer requirements;
• Operate, maintain, and improve this website; and
• Protect against fraud and unauthorized activity.

3. Credit Reports (FCRA)

Where an application requires review of the personal credit of a business principal or guarantor, we obtain consumer reports only with that individual's prior written authorization and use them only for permissible purposes under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. If we take adverse action based in whole or in part on information in a consumer report, we will provide the notices required by applicable law.

4. How We Share Information

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

• Service providers who assist us with underwriting, escrow, document processing, identity verification, or website operations, under obligations of confidentiality;
• Consumer reporting agencies and commercial credit bureaus, where authorized;
• Escrow agents, attorneys, and other parties necessary to close and administer a financing transaction;
• Regulators, law enforcement, or other parties when required by law, subpoena, or legal process; and
• A successor entity in connection with a merger, acquisition, or sale of assets.

5. Cookies and Analytics

This website may use cookies and similar technologies to operate the site and understand how it is used. You can set your browser to refuse cookies, though some features of the site may not function properly without them.

6. Data Security

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

7. Data Retention

We retain information for as long as needed to fulfill the purposes described above, to administer active financings, and to satisfy legal, regulatory, accounting, and audit requirements.

8. Your Choices and Rights

Depending on your state of residence, you may have rights to access, correct, or delete personal information we hold about you. To make a request, contact us using the information below. We will respond as required by applicable law.

9. Children

This website is intended for businesses and adults. We do not knowingly collect information from anyone under 18.

10. 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 the site after changes are posted constitutes acceptance of the revised policy.

11. Contact Us

Questions about this Privacy Policy or our data practices may be directed to:

Ridgewood Capital USA
Wall Street
New York, NY
Email: info@ridgewoodfunding.com