Terms & Conditions and Privacy Policy

1. Introduction

Intrepid Finance, LLC ("Intrepid Finance" or "Intrepid") values and respects the privacy of its users. This Privacy Policy (the "Policy") explains how Intrepid collects, uses, discloses, and safeguards information when users interact with intrepidfinance.io and related services. By using our site, you consent to this Policy, as well as any future updates made here. This website is intended for users aged 18 and older. Intrepid does not knowingly solicit or collect personal information from minors.

2. Information We Collect

2.1 Information Collected Directly from You

Intrepid may collect personal information directly from you, including:

• Basic Identifying Information: Name, legal physical street address, email address, telephone number, and any other contact details you provide.
• Business Information: Business name, type, legal physical street address, ownership structure, and other identifiers to verify business credentials.
• Financial Information: Where applicable, data required to assess funding needs, such as bank statements, credit reports, or annual revenue.

Intrepid requests only the information essential for providing services or fulfilling legal, regulatory, compliance or additional requirements.

2.2 Sensitive Information

Certain services may require the collection of sensitive information, such as financial details or government-issued identification. Intrepid will collect and process this data only with your explicit consent and in accordance with applicable laws.

2.3 Information Collected Automatically

We collect certain information about your interaction with our website to improve service quality, including:

• Usage Data: IP address, browser type, pages viewed, device information, and time spent on the site.
• Cookies and Tracking Technologies: Used to enhance site functionality, gather analytics, and enable targeted advertising. You may control cookie use via your browser settings.

2.4 Cookies and Tracking Technology

Intrepid uses cookies to recognize users, optimize site performance, facilitate a secure user experience, and provide aggregated analytics on site usage. These cookies are small text files stored on your device. If you prefer, you can adjust your browser settings to block cookies, though certain features of our site may be limited without them.

Intrepid may also use:

• Web Beacons: Pixel tags to track website visits and engagement.
• Google Analytics: Aggregated data collection for analysis and service enhancement.

3. Use of Personal Information

Intrepid uses collected information for:

• Operational Purposes: To deliver, maintain, and enhance services.
• Customer Support and Communications: To respond to inquiries and provide updates.
• Marketing Communications: With your consent, we may use your information for promotional communications (you may unsubscribe anytime).
• Fraud Prevention and Security: To verify identities and safeguard users.

Additional Uses

• Analytics and Machine Learning: Aggregated, de-identified data may be used to improve products and services through AI and machine learning. Data is anonymized where possible, and users retain rights to opt out of data processing for non-essential services.
• Enhanced User Experience: Data insights may be used to optimize website performance and personalize user interactions.

4. Sharing Information with Third Parties

Intrepid may share personal information under limited circumstances, but not limited to:

• Service Providers: Trusted third-party vendors may assist in website operations, identity verification, analytics, and marketing. Providers are contractually obligated to use data solely as directed by Intrepid.
• Business Transactions: In mergers, acquisitions, or asset sales, user data may be transferred per applicable laws and confidentiality agreements.
• Legal Compliance: We may disclose data to comply with legal requests, such as court orders, or to address fraud or security issues.
• Protection of Intrepid and Others: Information may be shared as needed to protect the rights, safety, and property of Intrepid, its users, or others, including enforcing our terms of service.
• Third-Party Websites: Our website may contain links to third-party sites. Intrepid is not responsible for the privacy practices, security, or content of these external sites. Users are encouraged to review the privacy policies of any third-party sites they visit.
• Payment Processors: To process transactions and facilitate payments.
• Cloud Storage Providers: To store and protect your data securely.
• Marketing Partners: To assist in promotional activities, but only with your explicit consent.
• Fraud Detection Providers: To enhance security and prevent fraud.

If you are located outside the United States, please be aware that any personal data you provide to us may be transferred to and processed in the United States. By using our services, you consent to this transfer and processing of your data, in accordance with applicable privacy laws.

Intrepid Finance takes appropriate measures to ensure that your personal data is handled securely, regardless of where it is processed, in compliance with relevant privacy regulations such as the GDPR.

4.1 Consent to Information Collection and Disclosure

Applicant hereby consents and agrees to the collection and disclosure of its business and/or personal information, both online and offline, to be disclosed to:

(i) Intrepid's subsidiaries and affiliates.

(ii) Contractors, service providers, vendors, and other third parties Intrepid uses to support its business.

(iii) Assignees and Third-Parties.

(iv) Respond to subpoenas, court orders, legal processes, or to establish or exercise Intrepid's legal rights or defend against legal claims.

(v) Investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Intrepid's terms or agreements, or as otherwise required by law.

(vi) A buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Intrepid's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceedings, in which Applicant's personal information is among the assets transferred.

(vii) For the purposes stated in Intrepid's Privacy Policy.

4.2 User Consent

4.2.1 Applicant agrees that any additional use of its information not outlined above or in the Privacy Policy may be disclosed and consented to orally, which oral consent will be treated as if in writing.

4.2.2 Applicant acknowledges and agrees that Intrepid may request and rely upon oral consent for additional uses or disclosures of its information not explicitly covered in this section or in the Privacy Policy, and such oral consent shall be treated as if provided in writing.

5. Authorization to Share Information for Credit Services

5.1 Credit Report Assistance and Disclosure

Applicant authorizes Intrepid to disclose all information and documents obtained, including credit reports, to third parties, affiliates, assignees, or Credit Service Organizations that may be able to assist the Applicant in identifying, disputing, or correcting any inaccurate items appearing on the Applicant's credit report(s). Applicant acknowledges that such assistance is optional and does not require a purchase or financial commitment.

5.2 Consent to Contact and Communications

Applicant authorizes Intrepid, its Assignees, Third Parties, Credit Service Organizations, agents, or representatives to contact Applicant using any telephone number provided by Applicant, including mobile numbers, landlines, or VoIP services. This consent applies regardless of whether the provided number is listed on any state or federal "Do Not Call" registry.

(i) Communication Methods – Contact may occur through SMS text messages, emails, live calls, or autodialed calls, including those that deliver pre-recorded or artificial voice messages.

(ii) Revocation – Applicant may revoke this consent at any time by providing written notice to Intrepid, though such revocation may impact service availability or support.

(iii) Marketing and Transactional Messages – Messages may include transactional updates, promotional offers, financing options, or notifications related to Applicant's credit profile or funding eligibility.

5.3 Opt-Out of Data Sharing and Marketing

Users in all regions may opt out of data sharing for marketing purposes. Instructions for opting out are provided in our communications or by contacting us directly.

5.3.1. Right to Opt-Out

You have the right to opt out of receiving marketing communications at any time. To opt-out, follow the instructions in any marketing email you receive, or contact us directly at getcapital@intrepidfinance.io.

Please note that opting out of marketing communications may affect your ability to receive certain promotions, offers, or personalized recommendations. However, it will not impact the essential services we provide to you.

5.3.2. Effect of Opt-Out

Applicant acknowledges that opting out may limit or restrict certain services Intrepid can provide, including but not limited to financing options, data-driven underwriting, or personalized credit recommendations. However, such an opt-out will not affect any existing financial obligations, agreements, or funds owed by the Applicant

6. Signatory Representation

6.1. Authority to Sign

Each Signatory certifies and warrants that they have the full legal authority to execute this agreement on behalf of the Applicant and any associated Business Owner(s). The Signatory affirms that they have obtained all necessary approvals, consents, or corporate authorizations required to bind the Applicant and Business Owner(s) to the terms outlined herein.

7. Data Security

Intrepid is committed to protecting data using industry-standard security measures, which include:

• Encryption: Data is encrypted during transmission using SSL/TLS technology.
• Access Controls: Only authorized personnel have access to sensitive data.
• Regular Audits: We conduct periodic audits to ensure the integrity of our systems.

While we implement reasonable safeguards, we cannot guarantee absolute security for data transmitted online. Intrepid assumes no liability for unauthorized access beyond our reasonable control.

Data Security on User's End: Intrepid is not responsible for data breaches or losses that occur due to user negligence, such as accessing accounts via unsecured networks or failing to use updated security practices.

8. Data Breach Notification

In the unlikely event of a data breach, Intrepid will notify affected users as required by applicable law and take appropriate steps to minimize damage and secure user data.

9. Retention of Personal Information

Intrepid Finance retains personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including for the purposes of providing services, legal obligations, and business requirements. Once your data is no longer required, it will be securely deleted or anonymized to prevent any misuse.

If you wish to request the deletion of your personal data, please contact us at getcapital@intrepidfinance.io. However, please note that certain data may be retained for legal or regulatory compliance, as well as for legitimate business interests, even after the termination of your account or service.

10. User Rights and Choices

As a user, you have the following rights regarding your personal data:

• Right to Access: You can request a copy of the personal data we hold about you.
• Right to Rectification: If your personal data is inaccurate or incomplete, you can request that we correct or update it.
• Right to Erasure: You can request that we delete your personal data, subject to legal exceptions.
• Right to Restrict Processing: You may request that we limit how we process your data in certain situations.
• Right to Data Portability: You can request a copy of your data in a structured, commonly used format to transfer it to another provider.

To exercise any of these rights, please contact us at getcapital@intrepidfinance.io.

California Residents

California residents have specific rights under the California Consumer Privacy Act (CCPA), including the right to know what data we collect, request deletion, and opt-out of data sales (Intrepid does not sell data). To exercise these rights, California residents may contact Intrepid.

11. Hold Harmless

Intrepid provides services as a facilitator of financial solutions and financing options. By engaging with Intrepid's services, you agree to hold Intrepid and its agents, affiliates, and assignees harmless against any claims, liabilities, losses, or expenses arising from the use of our website or services, except to the extent directly resulting from Intrepid's gross negligence or willful misconduct.

12. No Purchase Requirement

12.1. Voluntary Consent

Applicant acknowledges and agrees that providing consent to the collection, use, and disclosure of information, as outlined in this agreement, is voluntary and is not a condition of purchase, financing approval, or service eligibility.

12.2. No Obligation to Proceed

Applicant further understands that they are not required to enter into any agreement, financial transaction, or business relationship with Intrepid as a condition of providing consent. Declining to provide consent will not result in any penalty, though it may affect the availability of certain services that rely on shared data or communication.

13. Parents, Guardians, and Children's Privacy

This website is intended for users aged 18 and older. Intrepid does not knowingly solicit or collect personal information from minors. If you are under 18, please refrain from using this site. If we become aware of data collected from a minor, we will delete it promptly. Parents or guardians who believe their child's data has been inadvertently collected should contact us at getcapital@intrepidfinance.io.

14. Advertising and Do Not Track Disclosure

Intrepid may work with advertising and analytics providers to deliver relevant ads on third-party websites. These providers may use cookies to track your activity across sites.

Do Not Track Requests: We do not respond to "Do Not Track" signals from browsers due to the lack of an industry-standard interpretation of these signals.

15. Accuracy and Reliance

15.1. Responsibility for Accuracy

Applicant acknowledges and agrees that all information and documents provided to Intrepid, its Assignees, Third Parties, or affiliates must be accurate, complete, and up to date. Any misrepresentation, omission, or falsification of information may result in delays, denial of services, or legal consequences.

15.2. Third-Party Reliance

Applicant understands that Assignees, Third Parties, and service providers will rely on the accuracy and completeness of the information submitted. Intrepid and its affiliates bear no responsibility for any decisions, actions, or consequences arising from incorrect, outdated, or misleading information provided by the Applicant.

16. Account Creation Requirements

16.1. Accurate and Complete Information

Applicant agrees that when creating an account with Intrepid, they must provide accurate, complete, and truthful information about their identity, business, and financial details. Failure to do so may result in:

• Delays or denial of services, funding, or access to Intrepid's platform.
• Suspension or termination of the account due to misrepresentation.
• Legal consequences if fraudulent or misleading information is provided.

16.2. Ongoing Information Updates

Applicant agrees to promptly update any information that has changed, including contact details, business financials, or other relevant data. Intrepid is not responsible for any issues arising from outdated or incorrect information provided by the Applicant.

17. License Details

17.1. Use of Website Content

Intrepid grants users a limited, non-exclusive, revocable license to access and use its website solely for informational, business, and financing purposes. Users may not:

• Copy, modify, distribute, or sell any website content without prior written consent.
• Use website materials for commercial purposes without authorization.
• Reverse-engineer, scrape, or attempt to gain unauthorized access to proprietary content.

Intrepid reserves the right to revoke this license at any time for misuse or non-compliance with its terms.

18. Content Submission Rights

18.1. User-Submitted Content

By submitting any content to Intrepid (including but not limited to reviews, testimonials, feedback, blog comments, social media posts, or business data), the Applicant grants Intrepid a worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, distribute, modify, and display the content for business, marketing, or operational purposes.

18.2. No Compensation or Confidentiality

Applicant acknowledges that:

• Submitted content does not create an obligation for Intrepid to compensate the Applicant.
• Intrepid may use the content in promotional materials or third-party partnerships.
• Intrepid is not obligated to remove or alter submitted content unless required by law.

19. Backup Disclaimer

19.1. No Guarantee of Data Backup

Intrepid takes reasonable measures to protect and store user data, but does not guarantee that all data will be backed up or retrievable in the event of system failures, cyberattacks, or other technical disruptions.

19.2. User Responsibility for Backup

Applicant is solely responsible for maintaining backups of any critical data, financial records, or documents provided to Intrepid. Intrepid is not liable for any loss, corruption, or inaccessibility of data due to:

• Server failures, cyber incidents, or unauthorized access.
• User errors, accidental deletions, or hardware malfunctions.
• Force majeure events beyond Intrepid's control.

20. Force Majeure

20.1. Limitations of Liability for Uncontrollable Events

Intrepid shall not be held liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to:

• Natural disasters (e.g., earthquakes, hurricanes, floods, fires).
• Pandemics, epidemics, or government-imposed shutdowns.
• Cyberattacks, system outages, or widespread internet disruptions.
• Labor strikes, supply chain disruptions, or economic crises.
• Acts of war, terrorism, or civil unrest.

20.2. Mitigation and Resumption of Services

Intrepid will make reasonable efforts to resume operations as soon as practicable after a force majeure event but shall not be obligated to provide refunds, credits, or compensation for disruptions caused by such events.

21. Limitation of Liabilities and Claims

21.1 Limitation of Liability

To the maximum extent permitted by law, Intrepid Finance will not be liable for any indirect, incidental, consequential, or punitive damages arising from or related to the collection, use, disclosure, or security of your information. Intrepid's total liability for any claim under this Policy, including any implied warranties, is limited to the amount you have paid, if any, to use our services or $100, whichever is greater.

This limitation of liability applies regardless of whether damages are foreseeable, or whether Intrepid has been advised of the possibility of such damages.

21.2 Limitation of Claims

INTREPID SHALL NOT BE LIABLE TO PARTNER UNDER ANY CIRCUMSTANCES (EVEN IF THIS AGREEMENT IS TERMINATED) FOR ANY CONSEQUENTIAL, SPECIAL, INCIDENTAL, PUNITIVE, OR INDIRECT DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF PROFIT, REVENUE, BUSINESS OPPORTUNITY, OR BUSINESS ADVANTAGE), WHETHER BASED UPON A CLAIM OR ACTION OF TORT, CONTRACT, WARRANTY, NEGLIGENCE, STRICT LIABILITY, BREACH OF STATUTORY DUTY, CONTRIBUTION, INDEMNITY, OR ANY OTHER LEGAL THEORY OR CAUSE OF ACTION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

22. Limitation of Damages

INTREPID'S TOTAL LIABILITY UNDER OR RELATING TO THIS AGREEMENT, REGARDLESS OF THE CAUSE OR FORM OF ACTION, AND WHETHER BEFORE OR AFTER ITS TERMINATION, SHALL NOT EXCEED THE TOTAL OF ALL AMOUNTS PAID TO INTREPID BY PARTNER DURING THE SIX (6) MONTH PERIOD PRECEDING THE CLAIM.

23. Policy Updates and Retroactive Application

Intrepid reserves the right to modify this Privacy Policy at any time. If substantial changes are made, we will provide prominent notice through our website or by other appropriate means. Where permitted by law, updated policies may apply retroactively to previously collected data.

In the event of significant changes to this Privacy Policy or the way we process personal data, Intrepid Finance will notify users through appropriate channels, such as an email or website banner. Users are encouraged to review this Privacy Policy periodically to stay informed of any updates.

If we make material changes to how we collect, use, or share your data, we will provide prominent notice and an opportunity to review the updates.

24. Waiver of Claims

24.1. Release of Liability for Information Sharing

Applicant irrevocably waives, releases, and discharges Intrepid, its affiliates, assignees, third parties, service providers, and any information providers (collectively, "Recipients") from any and all claims, liabilities, damages, or causes of action arising from:

• The requesting, obtaining, reviewing, or sharing of Applicant's business or personal information.
• Any errors, omissions, or delays in the collection, reporting, or dissemination of such information.
• Any decisions made by Intrepid or third parties based on the provided or obtained information.

24.2. Indemnification for Third-Party Actions

Applicant further agrees to indemnify and hold harmless Intrepid and its Recipients from any claims, losses, or damages asserted by third parties arising out of the use, reliance, or dissemination of Applicant's information, except in cases of gross negligence or willful misconduct by Intrepid.

24.3. No Obligation to Verify Data

Intrepid and its Recipients are not obligated to independently verify the accuracy of the information received or provided by the Applicant. Applicant bears sole responsibility for ensuring the truthfulness and completeness of all disclosed information.

General Confidentiality Obligations. During the Term and for all time thereafter, neither party shall disclose Confidential Information of the other party or use such Confidential Information for any purpose other than in furtherance of this Agreement. Without limiting the preceding sentence, each party shall use at least the same degree of care in safeguarding the other party's Confidential Information as it uses to safeguard its own Confidential Information. Notwithstanding the foregoing a party may disclose Confidential Information (i) if required to do by legal process (i.e., by a subpoena), provided that such party shall notify the other party prior to such disclosure so that such other party may attempt to prevent such disclosure or seek a protective order; or (ii) to any applicable governmental authority as required in the operation of such party's business.

25. Contact Information

If you have any concerns about how your personal data is handled or wish to submit feedback regarding our privacy practices, please contact us at getcapital@intrepidfinance.io. We take user concerns seriously and aim to resolve any issues promptly. You also have the right to lodge a complaint with the relevant authority in your jurisdiction.

For questions about this Policy or to exercise your rights, please contact Intrepid at:

Email: getcapital@intrepidfinance.io

Phone: 833.366.6396

Web: www.intrepidfinance.io

Mail: Intrepid Finance, LLC
9783 E. 116th Street. Suite 122
Fishers, Indiana 46037