Effective Date: March 19, 2026  |  Last Updated: March 19, 2026

Fundini, operated by Mindful Funding ("we," "us," or "our"), provides merchant cash advance (MCA) brokerage services. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website (fundini.io) and related services.

1. Information We Collect

Information You Provide

• Business Information: Business name, address, industry/type, time in business, monthly revenue, EIN/Tax ID
• Personal Information: Full name, date of birth, last four digits of Social Security Number, home address, phone number, email address
• Financial Documents: Bank statements, voided checks, business licenses, driver's license or government-issued ID
• Electronic Signatures: Signature images, timestamps, and IP addresses associated with signed documents
• Communications: Messages sent to us via text, WhatsApp, email, phone, or other channels

Information Collected Automatically

• Usage Data: IP address, browser type, pages visited, timestamps
• Device Information: Operating system, device type, screen resolution

2. How We Use Your Information

We use your information to:

• Process your funding application and match you with appropriate financing options
• Submit applications to funding partners on your behalf
• Communicate with you about your application status, offers, and required documents
• Verify your identity and the accuracy of information provided
• Comply with legal and regulatory obligations
• Improve our services and user experience
• Prevent fraud and protect the security of our platform

3. How We Share Your Information

We may share your information with:

• Funding Partners: We submit your business and financial information to MCA funders and lenders you authorize us to contact on your behalf. We only share what is necessary to evaluate and process your application.
• Service Providers: Third parties that help us operate our services (e.g., hosting, communications, document processing). These providers are contractually obligated to protect your data.
• Legal Requirements: When required by law, regulation, legal process, or governmental request.

We do not sell your personal information to third parties for marketing purposes.

4. Data Security

We implement reasonable technical and organizational measures to protect your information, including:

• SSL/TLS encryption for all data transmitted to and from our website
• Server-side storage with access controls
• Regular security audits and monitoring
• Restricted access to personal information on a need-to-know basis

No method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Typically:

• Active applications: Retained throughout the application and funding process
• Completed/declined applications: Retained for up to 5 years for regulatory compliance and record-keeping
• Communications: Retained for up to 3 years

You may request deletion of your data (see Section 7).

6. Cookies & Tracking

Our website may use minimal cookies for functionality purposes (e.g., session management). We do not use third-party advertising trackers or sell data to ad networks.

7. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information, subject to legal retention requirements
• Opt-Out: Opt out of non-essential communications

To exercise these rights, contact us at humans@fundini.io.

California Residents

Under the California Consumer Privacy Act (CCPA/CPRA), you have additional rights including the right to know what data we collect, the right to delete, and the right to opt out of the sale of personal information. We do not sell personal information.

8. Children's Privacy

Our services are intended for businesses and individuals 18 years of age or older. We do not knowingly collect information from children under 18.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us:

• Email: humans@fundini.io
• Phone: (516) 604-5085
• Website: fundini.io

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