“I applied and had options the next day. The process was smooth and transparent.”

— Small Business Owner

“Way easier than dealing with banks. I actually felt like someone was helping me.”

— E-commerce Founder

See Your Available Funding Options

✔ Takes under 2 minutes
✔ No obligation to accept any offer
✔ Initial pre-qualification typically uses a soft credit inquiry

“I applied and had options the next day. The process was smooth and transparent.”

— Small Business Owner

“Way easier than dealing with banks. I actually felt like someone was helping me.”

— E-commerce Founder

See Your Available Funding Options

✔ Takes under 2 minutes
✔ No obligation to accept any offer
✔ Initial pre-qualification typically uses a soft credit inquiry

This Privacy Policy describes how Lucratus Global LLC (“we,” “us,” or “our”), an authorized agent and not a direct lender, collects, uses, shares, and protects your personal information when you visit our website or submit information through our funding application form.

1. Information We Collect

We collect:

• Personal Information: Name, email, phone number, business name, address, revenue details, credit-related information (via soft pull partners), Social Security Number or EIN (if required by lenders), bank account information, and other data you provide in the application form.
• Automatically Collected: IP address, browser type, device information, operating system, pages visited, time spent on site, click patterns, and referral sources (via cookies, web beacons, and analytics tools like Google Analytics).
• Communication Data: Records of calls, SMS messages, emails, and chat transcripts with our team.

2. How We Use Your Information

We use your information to:

• Evaluate and match you with funding options from our partner network (including David Allen Capital and other third-party lenders).
• Communicate via calls, SMS, email about your application status, available options, follow-up requirements, and customer support.
• Verify your identity and prevent fraud.
• Improve our website, services, and user experience through analytics.
• Comply with legal obligations, regulatory requirements, and law enforcement requests.
• Send marketing communications (with your consent, which you may withdraw at any time).

3. Sharing Your Information

We share your information with:

• Third-Party Funding Providers: Lenders and funding partners (e.g., David Allen Capital) to process applications and provide funding options.
• Service Providers: Form tools (LeadConnector), SMS platforms, email services, analytics providers, and cloud hosting services for operational purposes.
• Legal and Regulatory: Courts, government agencies, and law enforcement when required by law, subpoena, or to protect our rights.
• Business Transfers: Successors in interest in the event of a merger, acquisition, or sale of assets.

We do not sell, rent, or trade your personal information to third parties for their marketing purposes without your explicit consent.

4. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to:

• Remember your preferences and improve site functionality.
• Analyze traffic patterns and user behavior.
• Deliver targeted advertising (if applicable).

You may disable cookies through your browser settings, but this may limit site functionality.

5. Consent and Communications (TCPA Compliance)

By submitting the form, you provide prior express written consent to receive communications (calls, SMS, emails) from us and our partners regarding funding options. Message frequency varies; standard data rates may apply. Reply STOP to opt out of SMS, UNSUBSCRIBE for emails, or contact us directly. Consent is not required as a condition of any purchase.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information, including SSL encryption, secure servers, and access controls. However, no internet transmission is 100% secure, and we cannot guarantee absolute security.

7. Your Rights and Choices

Depending on your state of residence, you may have rights to:

• Access, correct, or delete your personal information.
• Opt out of the sale or sharing of personal information (we do not sell data).
• Limit use of sensitive personal information.
• Receive a copy of your data in portable format.
• Non-discrimination for exercising your privacy rights.

To exercise these rights, contact us at admin@lucratusglobal.com or call 786-706-8689. We respond within applicable legal timeframes (e.g., 45 days under CCPA/CPRA).

8. Mobile Information and Sharing

Mobile phone numbers collected for SMS communications are not shared with third parties for marketing purposes without separate consent. See our SMS terms in the application section above.

9. Third-Party Links

Our site may contain links to third-party websites. We are not responsible for their privacy practices. Please review their policies before submitting information.

10. Children’s Privacy

Our services are not directed to individuals under 18. We do not knowingly collect information from minors. If you believe we have inadvertently collected such information, contact us immediately for deletion.

11. Changes to This Policy

We may update this policy periodically. Changes will be posted here with an updated effective date. Material changes will be notified via email or prominent notice on our site.

12. Contact Us

Lucratus Global LLC
8 The Green, Suite 25350
Dover, DE 19901 USA
Email: admin@lucratusglobal.com
Phone: 786-706-8689

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These Terms of Service (“Terms”) govern your access to and use of the website and services operated by Lucratus Global LLC (“we,” “us,” “our”), an authorized agent connecting business owners with funding providers. By accessing our site, submitting an application, or using our services, you agree to be bound by these Terms. If you do not agree, do not use our services.

1. Our Role and Scope

Lucratus Global LLC is an independent agent and marketing lead generator, not a lender or financial institution. We do not:

• Make credit decisions or underwrite loans.
• Provide funding directly or guarantee approval.
• Set interest rates, fees, or repayment terms.
• Act as a broker, fiduciary, or financial advisor.

All funding decisions, terms, and approvals are made solely by third-party lenders and funding providers in our network (e.g., David Allen Capital). We make no representations about the likelihood of approval, specific funding amounts, rates, or terms you may receive.

2. Eligibility and User Representations

By using our services, you represent and warrant that:

• You are at least 18 years of age and legally competent to enter into contracts.
• All information you provide is true, accurate, complete, and not misleading.
• You have authority to apply for funding on behalf of any business entity listed.
• You meet minimum criteria for certain programs (credit score, time in business, revenue), though we do not guarantee qualification.

Providing false or misleading information may result in denial of service, termination of access, and potential legal action.

3. Application Process and Consent

Submitting an application does not guarantee funding. By submitting:

• You authorize us to share your information with our network of funding partners.
• You consent to credit checks (soft pulls for pre-qualification; hard inquiries may occur if you proceed with specific lenders).
• You consent to communications as detailed in our Privacy Policy and the compliance disclosures above.
• You understand that multiple lenders may contact you regarding your request.

4. User Conduct and Prohibited Activities

You agree NOT to:

• Use the site for any illegal purpose or in violation of any laws.
• Submit false, fraudulent, or misleading information.
• Impersonate any person or entity, or misrepresent your affiliation.
• Interfere with the site’s security features or attempt unauthorized access.
• Use automated systems (bots, scrapers) to access the site.
• Harass, abuse, or harm our staff or representatives.

Violation of these terms may result in immediate termination of access, reporting to authorities, and legal action.

5. Communications and Electronic Signatures

You consent to receive all communications electronically (email, SMS, calls). Your electronic submission of the application constitutes a legal signature under applicable law.

6. Disclaimers and Assumption of Risk

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Merchantability, fitness for a particular purpose, or non-infringement.
• Accuracy, completeness, or reliability of information.
• Uninterrupted or error-free service.
• Security or freedom from viruses or malware.

You assume all risk for decisions made based on information obtained through our services. We are not responsible for actions or omissions of third-party lenders.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LUCrATUS GLOBAL LLC AND ITS OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages.
• Lost profits, revenue, data, or business opportunities.
• Damages arising from lender decisions, funding denials, or loan terms.
• Damages exceeding the greater of (a) $100 or (b) amounts you paid to us in the 12 months preceding the claim.

Some jurisdictions do not allow exclusion of certain warranties or limitation of liability, so these limitations may not apply to you.

8. Indemnification

You agree to indemnify, defend, and hold harmless Lucratus Global LLC and its affiliates from any claims, damages, losses, or expenses (including attorneys’ fees) arising from your use of the site, violation of these Terms, or violation of any rights of a third party.

9. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of law principles. Any dispute shall be resolved exclusively in the state or federal courts located in Delaware. You consent to personal jurisdiction in these courts.

10. Changes to Terms

We may modify these Terms at any time. Changes are effective immediately upon posting. Your continued use constitutes acceptance. Material changes will be notified via email or prominent notice.

11. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions continue in full force.

12. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Lucratus Global LLC regarding the subject matter herein.

13. Contact Information

Lucratus Global LLC
8 The Green, Suite 25350
Dover, DE 19901 USA
Email: admin@lucratusglobal.com
Phone: 786-706-8689

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