Privacy Policy

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This Privacy Policy (“Policy”) applies to data collected by Central Street Lending, including its subsidiaries and affiliates (“Central Street Lending,” “we,” “us,” or “our”), a provider of business financing products and related services (collectively, the “Services”). This Policy explains how we collect, use, disclose, and safeguard personal information obtained through our website, applications, and related services. This Policy consists of two parts: Part 1, which describes our U.S. Privacy Policy, and Part 2, which provides our California Privacy Notice pursuant to the California Consumer Privacy Act of 2018 (CCPA).

This Privacy Policy describes the choices available to you regarding our use of your personal information and how you may access or update such information. For purposes of this Policy, “Personal Information” means information that identifies, relates to, or could reasonably be linked to an identifiable individual, including contact details, IP address, and financing application data. A significant portion of the information we collect may be sensitive in nature, including Social Security numbers and financial account information (“Sensitive Personal Information”).

Central Street Lending may collect Personal Information directly from you, automatically through your use of our website or services, or from third parties. This includes contact information such as your name, business name, email address, mailing address, and phone number; financial information such as bank statements, credit card statements, average bank balances, personal and business credit history, payment behavior, bank account information, and tax identification numbers; identity-related information including Social Security numbers and government-issued identification when required; online and technical information such as IP address, browser type, device identifiers, and login credentials; and business-related information including company size, industry, business structure, and beneficial ownership information. Beneficial ownership information is collected only when required by U.S. federal regulations and solely for identity verification and compliance purposes.

We may also collect information from credit reporting agencies, service providers, website activity, social media interactions, and communications related to servicing or renewing financing. Once you engage our Services, we may contact you periodically to update information or provide notices related to your account.

Central Street Lending uses the information it collects to provide, operate, maintain, and improve its Services; verify identity and conduct due diligence; process financing applications and manage payments; authenticate accounts; prevent fraud; communicate confirmations, customer support responses, updates, and marketing materials; conduct internal research and analytics; and generate aggregated, anonymized reporting (“General Information”).

Central Street Lending does not sell Personal Information. We may share Personal Information with our affiliates for legitimate business purposes, with trusted service providers strictly as necessary to deliver Services, or as required by law, regulation, or legal process. We may also disclose information to protect rights or safety, investigate fraud, complete corporate transactions such as mergers or asset sales, or with your consent. Service providers may include payment processors, credit bureaus, data hosting providers, compliance vendors, and customer support partners.

You may request access to, correction of, or deletion of your Personal Information by contacting us using the information provided below. We respond within a reasonable timeframe and retain Personal Information only as required by law or for legitimate business purposes.

You may opt out of receiving marketing communications at any time by using unsubscribe links included in emails, adjusting your preferences, or contacting us directly. Central Street Lending and its partners may use cookies and similar technologies to support functionality, analytics, authentication, and marketing. You may control cookies through your browser settings. Additional information about cookies is available at www.allaboutcookies.org.

We collect log file information such as IP address, browser type, internet service provider, referring and exit pages, and timestamps to improve our Services. Third-party advertisers may use cookies or similar technologies for interest-based advertising, and you may opt out using the tools provided by those advertisers.

Central Street Lending employs industry-standard security measures, including Transport Layer Security (TLS) encryption, to protect Sensitive Personal Information. If you grant read-only access to bank account data, we cannot alter your financial information. Our website may include links to third-party websites governed by their own privacy policies. Any content you post publicly, such as on a blog or forum, may be visible to others. Testimonials are published with consent, and social media interactions are governed by the respective platform’s privacy policies.

We may update this Privacy Policy from time to time. Material changes will be communicated via email or posted notice on our website.

For questions or concerns regarding this Policy, you may contact Central Street Lending at info@centralstreetlending.com or by mail at Central Street Lending, 7901 4th St N STE 300, St. Petersburg, FL 33702, USA.

This section applies to California residents and is provided in accordance with the California Consumer Privacy Act (CCPA). Under the CCPA, Central Street Lending collects certain categories of Personal Information, including identifiers such as name, address, email address, Social Security number, tax identification number, and government-issued identification; financial and commercial information; internet and device activity; geolocation data for fraud prevention; call recordings for training and compliance; professional or employment-related information; and inferences used for underwriting or fraud analysis. Information is collected directly from consumers, through website activity, customer communications, and from third-party partners and service providers.

We use this information to operate and improve our Services, verify identity, detect and prevent fraud, process financing applications and payments, communicate updates and marketing materials, conduct research and analytics, and produce aggregated General Information reports. Central Street Lending does not sell Personal Information and shares it only as necessary to provide Services or comply with legal obligations.

California residents have the right to request access to their Personal Information, request deletion of their data subject to legal exceptions, know the categories and sources of information collected, opt out of marketing data sharing, and receive equal service and pricing regardless of whether they exercise their rights. Requests must be submitted by the consumer or an authorized representative and include sufficient information to verify identity. We respond to verifiable requests within forty-five (45) days, with extensions where permitted by law.

We reserve the right to amend this California Privacy Notice at any time. Updates will be posted on our website or communicated directly when required.

End of Privacy Policy