HYBRID FUNDER

Privacy Policy & Legal Disclosures

Operated by Tinaz Enterprises LLC d/b/a Hybrid Funder Effective Date: April 2026 | Last Updated: April 2026 hybridfunder.com | deals@hybridfunder.com | (347) 201-2367

IMPORTANT NOTICE

Tinaz Enterprises LLC d/b/a Hybrid Funder ("Hybrid Funder," "we," "us," or "our") is a direct commercial funder. Our core product is a Merchant Cash Advance (MCA) — a purchase of future receivables, which is a commercial transaction and not a consumer loan.

Hybrid Funder funds transactions directly with its own capital and is the sole party to any funding agreement it offers. In addition to direct-to-merchant applications, Hybrid Funder also reviews and funds transactions submitted by independent sales organizations (ISOs) and commercial finance brokers. When a transaction is submitted on behalf of a merchant by an ISO or broker, Hybrid Funder evaluates and, if approved, funds the transaction; the ISO or broker is a separate party responsible for its own disclosures, compliance, and representations to the merchant.

Approval, terms, and funding are subject to Hybrid Funder's underwriting criteria and are not guaranteed. Submission of an application through our website or by any other means does not constitute an offer or guarantee of financing. All financing is for commercial/business purposes only and is not available for personal, family, or household use.

By accessing hybridfunder.com or submitting any information to Hybrid Funder, you agree to the terms of this Privacy Policy and all applicable disclosures set forth herein.

1. Information We Collect

1.1 Information You Provide Directly

When you apply for commercial financing with Hybrid Funder — directly, by phone or email, or through an authorized ISO or broker — we collect:

• Full legal name and business name

• Business address, email address, and phone number

• Employer Identification Number (EIN) and/or Social Security Number (SSN) for identity verification, credit evaluation, and underwriting

• Date of birth

• Business bank account information and business bank statements

• Credit report information obtained through credit inquiries

• Monthly and annual revenue figures, average daily balance, and other cash flow data

• Time in business, ownership structure, industry type, and existing financing positions

• Bank verification data obtained through Decision Logic or a one-time manual bank login

• Any other information you voluntarily submit through our application forms, contact forms, uploaded documents, or communications

1.2 Information Collected Automatically

When you visit hybridfunder.com, we automatically collect certain technical data, including IP address and approximate location, browser type and operating system, pages visited, device identifiers, and cookie/tracking data as described in Section 6.

1.3 Information Collected From Third Parties

In the course of evaluating and funding a transaction, we may obtain additional information from:

• Credit bureaus (consumer and business credit reports)

• Bank verification providers (e.g., Decision Logic)

• Fraud prevention, identity verification, and AML service providers

• Public records (UCC filings, business registrations, liens, judgments, bankruptcy records)

• ISOs and brokers submitting your application on your behalf

2. How We Use Your Information

We use the information we collect to:

• Evaluate, underwrite, and fund your commercial financing request

• Make credit and approval decisions as a direct funder

• Verify your identity, ownership, and business standing, and prevent fraud

• Communicate with you regarding your application, offers, and active funding

• Service and administer your Merchant Cash Advance, including ACH processing and account servicing

• Comply with applicable federal and state laws, regulatory requirements, and recordkeeping obligations (including anti-money laundering and know-your-customer requirements)

• Improve our website, platform, and services

• Send you service-related communications and — with your consent — promotional information

• Analyze portfolio performance and conduct internal reporting

We collect and use only the minimum information reasonably necessary to fulfill the purposes described above.

3. Sharing of Your Information

3.1 Service Providers and Business Partners

We share your information with trusted service providers that assist us in operating our business, including credit bureaus, bank verification providers (e.g., Decision Logic), identity and AML providers, payment processors and ACH originators, legal, accounting, collections, compliance, and technology providers, and CRM, email, communications, and analytics providers.

These providers are permitted to use your information only as necessary to perform services on our behalf and are contractually required to maintain appropriate data security measures.

3.2 ISOs and Brokers

Where your application was submitted by an ISO or commercial finance broker, we may communicate with that ISO or broker regarding the status and outcome of your application to the extent necessary to service the relationship. ISOs and brokers are independent third parties and are solely responsible for their own privacy practices, disclosures, and compliance with applicable law.

3.3 Legal and Regulatory Requirements

We may disclose your information when required by law, regulation, legal process, subpoena, court order, or governmental authority, or when we believe in good faith that disclosure is necessary to protect our rights, enforce our agreements, prevent fraud, or protect the safety of any person.

3.4 Business Transfers

In the event of a merger, acquisition, financing, sale of assets, or similar business transaction, your information may be transferred as part of that transaction. We will provide notice where required by law.

3.5 What We Do Not Do

• We do not sell your personal information to third-party advertisers or consumer marketing companies.

• We do not share your information for purposes unrelated to your financing application without your explicit consent.

• We do not use your information for automated profiling that produces legal effects without human oversight.

4. Sensitive Personal Information

We may collect sensitive personal information including Social Security numbers, dates of birth, and financial account information. This information is collected only as necessary for identity verification, credit evaluation, underwriting, funding, and servicing; shared only with service providers and business partners bound by contractual data protection obligations; accessible only to authorized Hybrid Funder personnel with a legitimate business need; retained only as long as necessary or as required by law; and protected using SSL/TLS encryption and industry-standard administrative, technical, and physical safeguards.

5. Data Security

We implement reasonable and appropriate administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include SSL/TLS encryption for data transmission, access controls limited to authorized personnel, secure storage practices, and ongoing security reviews.

No system of data transmission or storage can be guaranteed to be 100% secure. By using our website and submitting personal information, you acknowledge that electronic transmission and storage involve some inherent risk.

6. Cookies and Tracking Technologies

We use cookies, web beacons, pixel tags, and similar tracking technologies to enhance site functionality, analyze traffic, and improve your experience. Categories include Strictly Necessary, Analytics (e.g., Google Analytics), Functional, and Marketing cookies.

You may disable or delete cookies through your browser settings at any time. You may also opt out of Google Analytics at tools.google.com/dlpage/gaoptout. Disabling certain cookies may affect site functionality.

7. State-Specific Commercial Financing Disclosures

⚠️ ATTORNEY REVIEW REQUIRED ON THIS SECTION. Hybrid Funder is now a direct funder (provider) of sales-based financing and accepts ISO/broker-submitted deals. Provider obligations, registration requirements, and exact disclosure timing/formatting vary by state. Section 7.3 (Texas HB 700) requires registration with the Texas OCCC — confirm your registration status and deadline with counsel before publishing. The content below is a structural draft, not a final legal disclosure.

Hybrid Funder is a direct commercial funder and provider of sales-based financing (Merchant Cash Advances). The following disclosures apply based on the state in which a merchant's business is principally directed, managed, or located. These disclosures are provided in compliance with applicable state law and are not an offer or guarantee of financing.

Hybrid Funder does not currently fund merchants located in Puerto Rico, Virginia, or California. In Texas, Hybrid Funder funds first-position transactions only.

7.1 New York — Commercial Finance Disclosure Law (CFDL)

Effective August 1, 2023. At the time a specific offer is extended to a New York merchant, Hybrid Funder will provide in writing, prior to consummation: total amount of commercial financing, disbursement amount, finance charge, APR, total repayment amount, payment amounts and frequency, prepayment terms and any associated penalties, and a description of all fees and costs.

Violations of the New York CFDL may result in civil penalties up to $2,000 per violation or up to $10,000 for willful violations.

7.2 California

Hybrid Funder does not currently fund merchants located in California.

7.3 Texas — Commercial Financing Disclosure Law (HB 700)

Effective September 1, 2025. Applies to sales-based financing (MCA and revenue-based financing) for Texas businesses. Hybrid Funder funds first-position transactions only in Texas.

For covered transactions, Hybrid Funder will provide in writing, prior to consummation: total amount financed, finance charge, total repayment amount, all fees, repayment terms and structure, and estimated payment amounts.

Providers and brokers of sales-based financing in Texas are subject to registration with the Texas Office of Consumer Credit Commissioner (OCCC) with initial and annual renewal deadlines as specified by statute and implementing rules. Hybrid Funder will comply with all applicable registration, renewal, and reporting requirements.

7.4 Virginia

Hybrid Funder does not currently fund merchants located in Virginia.

7.5 Utah — Commercial Financing Registration and Disclosure Act

At the time of a specific offer to a Utah merchant, Hybrid Funder will provide: total amount of commercial financing, disbursement amount, finance charge, APR, total repayment amount, payment schedule, and prepayment terms and penalties.

7.6 Connecticut — Sales-Based Financing Disclosure Law (SB 1032)

Effective July 1, 2024. Applies to sales-based financing of $250,000 or less for Connecticut businesses. Providers and brokers of sales-based financing in Connecticut are subject to registration with the Connecticut Department of Banking.

Required disclosures at the time of offer: total amount of financing, disbursement amount, finance charge, APR, total repayment amount, payment terms, and prepayment terms.

7.7 Florida — Commercial Financing Disclosure Law

Effective January 1, 2024. Applies to certain commercial non-real-estate-secured financing over $500,000 for Florida businesses. Required disclosures include total amount financed, finance charge, total repayment amount, APR, payment schedule, and all fees.

7.8 Georgia — Commercial Financing Disclosure Requirements

Effective January 1, 2024. Required disclosures at the time of a specific offer to Georgia merchants include total amount financed, finance charge, APR, total repayment amount, and payment schedule.

7.9 Kansas — Commercial Financing Disclosure Act

Required disclosures for Kansas merchants include total amount of financing, finance charge, total repayment amount, payment amount and frequency, and prepayment policies.

7.10 Missouri

Hybrid Funder will provide applicable Missouri commercial financing disclosures at the time of a specific financing offer consistent with Missouri law.

7.11 Louisiana — Revenue-Based Financing Disclosure Law

Effective August 1, 2025. Required disclosures at or before consummation: amount of funds provided, total dollar cost of financing, total repayment amount, payment terms and structure, all applicable fees, and estimated term. Amounts charged in a revenue-based financing transaction in Louisiana do not constitute "interest" under state usury law.

7.12 New Jersey — Pending Legislation (SB 1760)

Hybrid Funder monitors New Jersey SB 1760 and will implement required disclosures upon enactment.

7.13 All Other States

Hybrid Funder monitors commercial financing disclosure legislation across all 50 states. Where state law requires disclosures not specifically addressed above, Hybrid Funder will provide applicable disclosures at the time of a specific financing offer. Funding may not be available in all states. Contact deals@hybridfunder.com with questions about availability in your state.

8. Federal Compliance Notices

8.1 Not a Consumer Transaction

Financing provided by Hybrid Funder is commercial, intended solely for business purposes. It is not a consumer loan and is not subject to the federal Truth in Lending Act (TILA) or Regulation Z.

8.2 Equal Credit Opportunity

Hybrid Funder does not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant has exercised any right under the Consumer Credit Protection Act.

8.3 Gramm-Leach-Bliley Act (GLBA)

To the extent applicable, Hybrid Funder complies with the financial privacy requirements of the Gramm-Leach-Bliley Act.

8.4 FTC Act

Hybrid Funder complies with Section 5 of the Federal Trade Commission Act, which prohibits unfair or deceptive acts or practices.

8.5 Fair Credit Reporting Act (FCRA)

Hybrid Funder obtains and uses consumer and business credit reports in connection with underwriting. Where required, Hybrid Funder complies with applicable FCRA requirements, including providing adverse action notices.

8.6 TCPA / Contact Consent

By submitting an application or providing your contact information, you consent to be contacted by Hybrid Funder and its representatives by phone call, text message (including SMS), or email regarding your application and account, including via automated or prerecorded means where permitted. Message and data rates may apply. You may opt out of marketing communications at any time by replying STOP to texts or unsubscribing from emails; transactional communications related to your application or funding may continue as permitted by law.

9. State Privacy Rights

9.1 California — CCPA / CPRA

California residents have rights to Know, Delete, Correct, Opt-Out of sale/sharing, Limit Use of Sensitive Personal Information, and Non-Discrimination. To exercise: email deals@hybridfunder.com (Subject: California Privacy Request) or call (347) 201-2367. We respond to verified requests within 45 days with the possibility of a 45-day extension where reasonably necessary.

9.2 Other State Privacy Rights

Residents of Virginia (CDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Texas (TDPSA), and other states with enacted privacy laws may have similar rights. Contact us using the information in Section 14.

10. Data Retention

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, enforce agreements, and support underwriting, funding, servicing, and collections. Certain financial and identity information may be retained up to seven (7) years (or longer where required) to comply with AML, financial recordkeeping, and regulatory requirements.

11. Marketing and Communications Opt-Out

Opt out of promotional emails via the "Unsubscribe" link or by contacting deals@hybridfunder.com. Opt out of promotional SMS by replying STOP. Opting out of marketing does not affect transactional or service-related communications related to your application or active funding.

12. Children's Privacy

Our services are intended solely for business owners and are not directed at individuals under 18. If you believe we have inadvertently collected information from a minor, contact us at deals@hybridfunder.com and we will take prompt steps to delete it.

13. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.

14. Contact Us

For privacy questions, requests, complaints, or to exercise your rights under applicable law:

Business Name: Tinaz Enterprises LLC d/b/a Hybrid Funder Email: deals@hybridfunder.com Phone: (347) 201-2367 Website: https://www.hybridfunder.com

15. Changes to This Policy

We may update this Privacy Policy and these disclosures from time to time to reflect changes in our practices, applicable law, or regulatory requirements. The updated version will be posted on our website with a new Effective Date. For material changes, we will provide notice by email or prominent notice on our website at least 30 days prior to the change taking effect where required by law.

DISCLAIMER

This document has been prepared by Tinaz Enterprises LLC d/b/a Hybrid Funder for informational and operational purposes. Commercial financing disclosure laws are evolving rapidly. Hybrid Funder strongly recommends periodic review of this policy by a licensed attorney specializing in commercial finance, fintech regulatory compliance, or financial services law. This document does not constitute legal advice.

© 2026 Tinaz Enterprises LLC d/b/a Hybrid Funder. All rights reserved.