Legal & Privacy

Privacy Policy, Commercial Financing Disclosures & Terms of Use

Effective Date: January 1, 2026
© 2026 HybridFunder. All rights reserved.

HybridFunder (“HybridFunder,” “we,” “our,” or “us”) is committed to protecting your privacy and operating in compliance with all applicable federal and state laws governing commercial financing, data privacy, and merchant cash advances.

This page governs your use of www.hybridfunder.com (the “Site”).

1. Privacy Policy

Information We Collect

We may collect the following information when you visit or submit information through our Site:

Personal & Business Information

  • Name, business name, email address, phone number

  • EIN and/or Social Security Number (where permitted by law)

  • Date of birth

  • Bank account information and financial statements

  • Any information voluntarily submitted through applications or forms

Automatically Collected Information

  • IP address

  • Browser and device type

  • Usage and traffic data

  • Cookies and tracking technologies

How We Use Your Information

We use collected information to:

  • Process and evaluate commercial financing requests

  • Connect merchants with funding providers

  • Communicate regarding applications and inquiries

  • Comply with legal and regulatory requirements

  • Improve website performance and user experience

Sharing of Information

We may share your information with:

  • Independent funding providers and financing partners

  • Service providers assisting with technology, analytics, or communications

  • Legal or regulatory authorities when required by law

We do not sell personal data for consumer marketing purposes.

Data Security

We use SSL encryption and industry-standard safeguards to protect information. However, no system is 100% secure, and transmission of data is at your own risk.

Cookies & Tracking

We use cookies to enhance functionality and analyze traffic. You may disable cookies in your browser settings.

Children’s Privacy

Our services are intended for business entities only. We do not knowingly collect information from individuals under 18.

2. Commercial Financing & Merchant Cash Advance Disclosure

HybridFunder is not a direct lender. We operate as a commercial finance broker, syndication partner, and referral source connecting businesses with independent funding providers.

Financing products facilitated through our platform may include Merchant Cash Advances (MCAs) or other commercial financing products.

Important MCA Disclosure

A Merchant Cash Advance is not a loan. It is a commercial transaction involving the purchase of a portion of a business’s future receivables at a discount. As such:

  • There is no interest rate or APR

  • Repayment amounts may fluctuate based on revenue or agreed remittance terms

  • There may be no fixed term

  • Products are for business purposes only, not personal use

HybridFunder does not make underwriting decisions or guarantee approvals.

3. State-Specific Commercial Financing Disclosures

HybridFunder complies with all applicable state commercial financing disclosure laws. Where required, merchants receive disclosures prior to consummation of any transaction.

New York

Pursuant to the New York Commercial Financing Disclosure Law (NY FIS §801–§812), applicable disclosures include:

  • Total funds provided

  • Total cost of financing

  • Payment method and frequency

  • Estimated term

California

Pursuant to California SB 1235, disclosures include:

  • Amount financed

  • Estimated total cost

  • Payment schedule and frequency

Other States

Where applicable, disclosures are provided in accordance with laws enacted in:

  • New Jersey

  • Utah

  • Virginia

  • Colorado

Additional states may adopt similar requirements. HybridFunder complies where legally required.

4. Texas Merchants Notice

Due to recent legislation and regulatory developments in the State of Texas, HybridFunder is currently unable to offer or facilitate commercial financing for Texas-based merchants. Applications from Texas merchants are not accepted.

5. Broker Compensation Disclosure

HybridFunder may receive compensation from funding providers in connection with successfully facilitated transactions. Compensation does not affect underwriting decisions unless expressly disclosed by the funding provider.

6. Terms & Conditions of Use

By accessing this Site, you agree to:

  • Use the Site for lawful commercial purposes only

  • Provide accurate and truthful information

  • Understand that funding is not guaranteed

Hybrid Funder is not liable for decisions made by third-party funding providers.

7. Governing Law

These terms are governed by the laws of the State of New York, without regard to conflict-of-law principles.

8. California Privacy Rights (CCPA/CPRA)

California residents may request access, correction, or deletion of personal information, or opt out of certain data uses, by emailing:

📧 deals@hybridfunder.com
Subject Line: California Privacy Request

9. Marketing Opt-Out

You may opt out of marketing emails or SMS messages at any time by:

  • Clicking “unsubscribe” in emails

  • Replying STOP to SMS messages

10. Contact Information

📧 deals@hybridfunder.com