Privacy Policy

Last updated: June 20, 2026 Effective: June 2026

Qualr Capital (dba Hidden Seed Corporation)

1. Scope of This Policy

This Privacy Policy explains how Qualr Capital (dba Hidden Seed Corporation) ("we", "us", "our") collects, uses, discloses, and protects your personal information. This policy applies to all visitors, users, and clients accessing our website, applications, and lending origination software platforms. We are committed to maintaining the privacy and security of your personal information in compliance with applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and the Real Estate Settlement Procedures Act (RESPA).

2. Information We Collect

2.1 Information You Provide to Us

We collect information that you knowingly and voluntarily provide when you interact with our platform, apply for our services, or communicate with our support team. This includes identifying information, financial documents, loan application details, and account credentials.

2.2 Information We Collect Automatically

When you access our platform, our servers automatically record certain information. This includes your IP address, browser type, device information, operating system, interaction data, and timestamps. We use this data to ensure the security of our platform and optimize user experience.

2.3 Categories of Personal Data

The following table outlines the categories of personal data we collect, our purpose for collecting it, and the third parties with whom it may be shared:

3. How We Use Your Information

We use your personal data to:

Process, evaluate, and fulfill lending applications.

Verify your identity and prevent fraud or unauthorized activity.

Communicate with you regarding updates, support, and administrative notices.

Comply with legal and regulatory requirements (e.g., GLBA, FCRA, RESPA).

Improve, debug, and enhance our software platforms and services.

4. How We Disclose Your Personal Data

We do not sell your personal data. We disclose your information only as necessary to provide our services and comply with the law. This includes sharing with:

Service Providers: Entities that assist us with IT infrastructure, data analytics, and customer support.

Financial Partners: Credit reporting agencies, banks, and funding partners required for loan origination.

Legal & Regulatory Authorities: When required by law, subpoena, or to protect our legal rights.

Business Transfers: In the event of a merger, acquisition, or sale of assets, data may be transferred securely.

5. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to analyze trends, administer the website, track users' movements around the site, and gather demographic information. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our website.

6. How We Protect Your Information

We implement enterprise-grade technical, administrative, and physical safeguards designed to protect your personal information from unauthorized access, destruction, use, modification, or disclosure. These measures include data encryption in transit and at rest, SOC 2 Type II compliant infrastructure, strict access controls, and regular security audits.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements specific to the lending industry).

8. Children's Privacy

Our services are intended for adult professionals and are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected such information, we will take steps to delete it immediately.

9. Your Rights and State Privacy Disclosures

9.1 California Privacy Rights

If you are a California resident, the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) provide you with rights to know what personal data is collected, to delete your data, to correct inaccurate data, and to opt-out of the sale or sharing of your data. Note: As a financial institution subject to GLBA, some CCPA exemptions may apply to the data we collect.

9.2 Other State Privacy Rights

Residents of states with specific privacy frameworks (such as the VCDPA in Virginia, CPA in Colorado, etc.) may have similar rights to access, correct, delete, or port their personal data, and to opt-out of targeted advertising or certain profiling activities.

9.3 GLBA and FCRA Notices

Financial information collected for lending purposes is primarily governed by the GLBA and FCRA. Our collection, use, and sharing of such information is conducted strictly in accordance with these federal regulations. You may have additional rights under these acts regarding credit reporting and information sharing among affiliates.

9.4 How to Exercise Your Rights

To exercise any of your applicable privacy rights, please contact us using the information provided in Section 11. We will verify your identity before processing your request and respond within the timeframe required by applicable law.

10. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be effective immediately upon posting the revised policy on this site. We encourage you to review this Privacy Policy periodically. The "Last updated" date at the top of this page indicates when the policy was most recently revised.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Privacy Team:

Email: privacy@qualrcapital.com

Website: qualrcapital.com/contact

Contact

Questions about this policy or a request about your personal data can be sent to sales@qualr.com.