Privacy Policy

Cross Atlantic Financial LLC ("Cross Atlantic Financial," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website at crossatlanticfinancial.com, submit a funding application, or otherwise interact with our services. Please read this policy carefully. If you disagree with its terms, please discontinue use of our site.

1. Information We Collect

We collect information that you voluntarily provide to us, as well as information collected automatically when you use our website.

Information You Provide Directly

• Name, email address, and mobile phone number
• Business name, industry, and operational details
• Financial information including monthly revenue and funding needs
• Communications you send to us via our contact form or email
• SMS/text message consent preferences

Information Collected Automatically

• IP address, browser type, and device information
• Pages visited, time spent on pages, and referring URLs
• Cookie and tracking technology data (see Section 7)

2. How We Use Your Information

We use the information we collect for the following purposes:

• To evaluate and process your business funding application
• To communicate with you regarding your application status and funding options
• To send SMS/MMS marketing and informational messages where you have provided consent
• To improve our website, services, and customer experience
• To comply with applicable laws, regulations, and legal obligations
• To protect the security and integrity of our business and systems
• To respond to your inquiries and provide customer support

3. SMS / Text Message Communications

4. Information Sharing and Disclosure

We respect your privacy and are committed to limiting how your information is shared. Specifically:

We may share your information only in the following limited circumstances:

• Service Providers: Trusted third-party vendors who assist in operating our website, processing applications, or providing services — all subject to confidentiality obligations.
• Legal Compliance: When required by law, court order, or governmental authority.
• Business Transfers: In connection with a merger, acquisition, or sale of all or substantially all of our assets, with appropriate confidentiality protections.
• Protection of Rights: When necessary to enforce our agreements, protect our rights, or prevent fraud or illegal activity.

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Application and funding data may be retained for up to seven (7) years in accordance with financial services recordkeeping requirements.

7. Cookies and Tracking Technologies

Our website may use cookies, web beacons, and similar technologies to improve user experience, analyze site traffic, and understand how visitors interact with our content. You can control cookie settings through your browser preferences. Disabling cookies may affect the functionality of certain parts of our website.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are intended for business owners and are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

10. Your Privacy Rights

Depending on your state of residence, you may have certain rights regarding your personal information, including:

• The right to know what personal information we collect and how it is used
• The right to request deletion of your personal information (subject to legal retention requirements)
• The right to opt out of marketing communications at any time
• The right to correct inaccurate personal information

To exercise any of these rights, please contact us using the information in Section 12 below.

11. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website following any changes constitutes your acceptance of the revised policy. We encourage you to review this page periodically.

12. Contact Us