OVERVIEW

Onyx Capital Lending ("we," "us," or "our"), located at 22 Parsonage St,

Providence, RI 02903, is committed to protecting the privacy of

the individuals and businesses who visit our website and use our services.

This Privacy Policy explains how we collect, use, disclose, and safeguard

your information when you visit onyxcapitallending.com or submit a loan

inquiry through our website.

Please read this policy carefully. If you disagree with its terms,

please discontinue using our site.

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1. INFORMATION WE COLLECT

We may collect the following types of information:

A. Information You Provide Directly

• Full name and contact information (phone, email, address)

• Business entity information (LLC name, EIN)

• Property information (address, type, value, purchase price)

• Loan request details (loan amount, loan purpose, exit strategy)

• Financial information relevant to your loan application

• Any other information you submit through our forms or surveys

B. Information Collected Automatically

• IP address and device information

• Browser type and operating system

• Pages visited and time spent on the site

• Referring website or source

• Cookie and tracking data (see Section 6)

C. Information from Third Parties

• Lead generation partners and referral sources

• Credit reporting agencies (for loan qualification purposes)

• Public property records and data providers

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2. HOW WE USE YOUR INFORMATION

We use the information we collect to:

• Evaluate and process your loan inquiry or application

• Contact you regarding your loan request via phone, email, or SMS

• Provide you with information about our loan programs and services

• Send marketing communications about our products and services

• Comply with legal and regulatory requirements

• Improve our website and services

• Prevent fraud and ensure security

IMPORTANT: Onyx Capital Lending originates business-purpose loans only.

We do not originate consumer mortgage loans. All loan inquiries submitted

through this website are treated as business-purpose inquiries.

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3. SMS AND TELEPHONE COMMUNICATIONS (TCPA)

By submitting your phone number through any form on this website,

you expressly consent to receive calls and/or SMS text messages

from Onyx Capital Lending at the number you provided, including

messages sent using an automatic telephone dialing system.

• Message and data rates may apply.

• Message frequency varies based on your inquiry.

• You may opt out at any time by replying STOP to any SMS message.

• For help, reply HELP or contact us at (401) 329-9904.

• Opting out will not affect your loan application status.

Carrier is not liable for delayed or undelivered messages.

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