Privacy Policy.

PIRS Capital (“PIRS,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy describes how we collect, use, disclose, retain, and protect Personal Information we obtain when you visit our website, apply for a loan, become a borrower or guarantor, or otherwise interact with us. It also describes the rights and choices available to individuals whose Personal Information we process. The Privacy Policy supplements, and does not replace, any notices or disclosures provided in our loan agreements, disclosures required by applicable law, or additional terms governing specific products or services.

This Privacy Policy applies to Personal Information collected through pirscapital.com (“Site”), through our loan application and servicing processes, and through our communications with applicants, borrowers, guarantors, and authorized representatives. If you do not agree with this Privacy Policy, please do not use the Site or submit Personal Information to us.

Although our products are commercial loans made to business entities, we recognize that certain applicants and guarantors are sole proprietors, owners of pass-through entities (including S corporations), or other individuals whose information is protected by state privacy laws, including the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, the “CCPA”).

Please review this Privacy Policy carefully to understand what we do in regards to your Personal Information. If you are a California resident, please review the “Additional Disclosures for California Residents” section for additional disclosures, our notice at collection and a description of your rights under the CCPA.

Depending on how you interact with us, we may collect all or some of the categories of Personal Information from or about you:

• Identifiers — Information such as your name, mailing address, email address, IP address, telephone number Social Security number, driver's license or state ID number, date of birth, signature, and other identifiers including online identifiers.
• Customer Records Information — Information such account log-in information; financial account information, debit card, or credit card; any required security or access code, password, or credentials allowing access to an account; Geolocation data.
• Characteristics of Protected Classifications under State or Federal Law — Information such as gender, nationality and marital status.
• Commercial Information — Information such as records of loans, payment histories, transactions, products or services obtained, and related communications.
• Internet or Other Electronic Network Activity Information — Information about your interactions with the Site, browser and device information, pages viewed, referring URLs, and similar usage data collected through cookies and similar technologies.
• Geolocation — Approximate location derived from IP address or device information.
• Audio, Electronic or Similar Information — Recordings collected from customer service and collection calls, voicemail messages, and chart or email communications with us.
• Professional or Employment-Related Information — Information such as your business role, title and related professional information you provide.
• Inferences — Information from any of the above to create a profile reflecting preferences, characteristics, creditworthiness, or behavior.

Please note that some of this information may be considered sensitive personal information under applicable law.

We may collect Personal Information from or about you from the following sources:

• Directly From You — You may provide us with Personal Information through the Site, loan applications, loan documents, email and telephone, uploaded documents, and in-person interactions.
• Your Authorized Representatives — We may be provided Personal Information about you from brokers, independent sales organizations (ISOs), accountants, attorneys, and other parties you have authorized to act on your behalf.
• Third-party Financial Data Providers — We may receive Personal Information about you from bank-account data aggregators and similar platforms (such as Decision Logic, Plaid, or comparable providers) that you authorize to share your financial account data with us.
• Consumer Reporting Agencies and Business Credit Bureaus — Such information may include credit reports, public records, and related information.
• Service Providers — We may collect Personal Information from identity verification vendors, fraud prevention vendors, know your-customer/anti-money-laundering providers, and other vendors that assist with underwriting and servicing.
• Public and Commercial Sources — We may collect Personal Information from Secretary of State filings, UCC records, court records, and publicly available business information.
• Automatically — We may collect Personal Information automatically from your use of the Site or certain interactions with us through cookies, pixels, and similar technologies.

Depending on how you interact with us, we may disclose your Personal Information to the following categories of third parties:

• Affiliates — including PIRS Capital LLC and other affiliated entities, for underwriting, servicing, funding, syndication, and related operational purposes.
• Service Providers — including loan-servicing platforms, bank-account data aggregators, payment processors, identity-verification vendors, credit bureaus, document custodians, e-signature providers, hosting and IT providers, attorneys, accountants, and marketing vendors, each bound by contractual obligations to limit their use of Personal Information to providing services to us.
• Funding sources, Assignees, Syndicate Partners, and Potential Purchasers — in connection with funding, participation, syndication, securitization, or sale of loans, and related due-diligence processes.
• Referral Partners and Brokers — where they are involved in originating or servicing your loan and subject to appropriate confidentiality obligations.
• Professional Advisors — including our attorneys, auditors, and insurers.
• Legal/Regulatory Authorities — including to respond to a subpoena or court order, judicial process, or regulatory inquiry; to defend against fraud, lawsuits, claims or other liabilities; and to prevent physical harm or financial loss in connection with any suspected or actual illegal activity.
• Purchasers of Business or Assets — should we undergo any change in control, including by means of a merger, acquisition, or purchase of substantially all of our assets, your Personal Information may be shared with the parties involved in such transaction.
• Other Third Parties — to share Personal Information with other third parties at your direction, including with your consent, where applicable, and/or as otherwise permitted by law.

We may use Personal Information for the business and commercial purposes described below:

• To evaluate applications, underwrite and originate loans, verify identity, and detect and prevent fraud.
• To document, disburse, service, collect on, and otherwise administer loans, including communicating with borrowers, guarantors, and authorized representatives.
• To operate, maintain, and improve the Site and our products and services.
• To comply with applicable laws, regulations, legal process, and regulatory inquiries, including under federal and state banking, consumer-financial-protection, anti-money-laundering, and tax laws.
• To exercise, enforce, and defend our legal rights, including under loan agreements and guaranties.
• To send administrative, transactional, and servicing communications.
• To send marketing communications about PIRS products and services (subject to your opt-out rights described below).
• For internal research, analytics, risk management, and audit purposes.
• For purposes for which you otherwise provide your consent.

When you access our Site, read our communications or otherwise engage with us, we or our vendors may automatically gather information about you and your device through the use of cookies and other tracking technologies. Cookies and other tracking technologies such as pixels, Flash objects, web beacons, embedded scripts, mobile SDKs, location-identifying technologies, and similar technologies are small files or software that can be stored on your computer (or on other devices with internet access, such as a smartphone or tablet) when you use a website or mobile application.

Our Site may use the following types of cookies and online tracking technologies:

Cookies can be set by the site or service you are visiting (“first-party cookies”) or by a third party, such as analytics or advertising services (“third-party cookies”). Third parties may collect and use information as we have described in this Privacy Policy and pursuant to their own privacy policies.

We may also use analytics provides like Google Analytics to collect information about how visitors use our Site and services. For example, we may use this information for impression reporting and demographic and interest reporting. This information includes Personal Information disclosed in this Privacy Policy and can be combined with other data related to you collected through Google's advertising cookie or other third-party technology. For more information on how Google Analytics uses data, visit Google's Notice. To opt out of Google Analytics cookies, visit Google's My Ad Center and/or download the Google Analytics Opt-Out Browser Add-On.

Management of Online Tracking Technologies

You can manage the use of cookies in several ways:

• Our Cookie Management Tool: You can change your cookie preferences here: Manage Analytics / Manage Cookies / Cookie Preferences.
• Internet Browser: You can delete online tracking technologies, including cookies, from your device by clearing your browser history. This will delete all online tracking technologies from all websites and applications you have visited since you last cleared your browser history. You can also set your browser to prevent certain online tracking technologies from being placed on your device. To learn more, please see the links below:
  • Firefox
  • Google Chrome
  • Microsoft Edge
  • Safari / Safari Mobile
• Third Party Tools: Various third-party tools exist that can help you manage cookies. For additional information you can also visit http://www.allaboutcookies.org/ where you will find information on cookie management and blocking.

Please note, if you disable the use of online tracking technologies on our Site, this may affect your experience using it. For example, certain features of the Site may not work, or you may have to re-login. If you use different devices to visit our Site, (for example, your computer, smartphone, tablet etc.), you must ensure that each browser on each device is adapted to your preferences.

We retain the Personal Information we collect as long as it is necessary to fulfill the purpose for which it was collected as outlined in this Notice and to the extent permitted by applicable legal requirements. Where you request the deletion of your Personal Information, we may continue to retain and use your information as permitted or required under applicable laws for legal, tax, or regulatory reasons or legitimate and lawful business purposes.

We maintain administrative, technical, and physical safeguards designed to protect Personal Information from unauthorized access, use, disclosure, alteration, and destruction. While we take reasonable steps to protect your Personal Information, no method of transmission over the Internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

Depending upon where you reside, certain choices and rights may be available to you under applicable data protection laws, including:

• Request access to your Personal Information by submitting a request to us.
• Request to have your Personal Information deleted.
• Request to have your Personal Information corrected if it is wrong.
• Request that the processing of your Personal Information restricted in certain circumstances.
• Object to further processing of your Personal Information, including to object to marketing from us.
• Right to opt out of any marketing communications.
• Request that we provide your Personal Data in a portable format.
• Withdraw any consent you have provided to us.
• Restrict any automated processing of your Personal Information.

You may exercise these rights by contacting by contacting us at 888-494-4881 or info@pirscapital.com. For a description of your rights under the CCPA, please see the “Your Rights” section under the “Additional Disclosures for California Residents.”

We are based in the U.S. When you provide personal data to us from outside of the U.S., please be aware that we will receive and process it in the U.S. and may transfer and maintain your personal information across borders to any of the places where we and our vendors and partners do business, which may be outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ than those of your country of residence. By accessing or using our Site and services, you agree that all information processed by us may be transferred, processed, and stored anywhere in the world, including but not limited to, the United States, which may have data protection laws that are different from (and, in some cases, less protective) than the laws where you reside.

The Site and our products are not directed to individuals under the age of 16, and we do not knowingly collect Personal Information from children under 16. If you become aware that a child has provided Personal Information to us, please contact us and we will take steps to delete such information.

The Site may contain links to third-party websites and services that are not operated by PIRS. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

We may update this Privacy Policy from time to time. When we do, we will post the updated Privacy Policy on the Site and update the “Effective Date” above. Your continued use of the Site or our products after the Effective Date constitutes your acceptance of the updated Privacy Policy.

If you have questions about this Privacy Policy or our privacy practices, contact us at:

• PIRS Capital
• 1688 Meridian Ave Ste 700, Miami Beach, FL 33139
• Email: info@pirscapital.com
• Phone: 888-494-4881

Last Updated: July 2026

This section supplements our Privacy Policy on our websites, mobile applications, social media pages, and other technologies we own and/or operate, including in connection with our Site and to our services. Terms used in this section have the meaning ascribed to them in the CCPA.

Information We Collect, Our Purpose for Collecting It and How Long We Keep It. Depending on how you interact with us, we may collect the categories of Personal Information described in “Personal Information We Collect” above and use such Personal Information for the business purposes described in the “How We Use Personal Information.” We retain your Personal Information as described in the “How Long We Retain Personal Information” above.

Sale of Sharing of Personal Information.We do not “sell” or “share” your Personal Information as defined under the CCPA, if applicable. Please review the “Personal Information We Collect” section above for further details about the categories of parties with whom we disclose information.

For more information, please review our Privacy Policy.

What Information We Have Collected, the Sources from Which We Collected It, and Our Purpose for Collecting the Information

The “Personal Information We Collect and Process” section above explains how in the preceding 12 months, depending on how you interact with us, the different categories of Personal Information and Sensitive Information we may have collected. The “How We Use Personal Information” Section discusses how we have disclosed such categories for business or commercial purposes. The “Sources of Personal Information” section discusses the sources we have collected such Personal Information from, and how that Personal Information is shared.

Our Disclosure of Personal Information

Please note, we do not “sell” or “share” (as those terms are defined under the CCPA) your Personal Information. We may disclose certain Personal Information with our other clients and users of our services, service providers, advertising and marketing companies, our business partners, and other third-party vendors as directed by you. We do not knowingly sell or share the Personal Information of California residents under 16 years old.

In the preceding 12 months, we may have disclosed for a business purpose the following categories of personal information to the following categories of third parties, as described in the chart below:

In addition, we may have disclosed all of the categories of Personal Information identified above, to the following categories of third parties:

• Legal/Regulatory Authorities — including to respond to a subpoena or court order, judicial process, or regulatory inquiry; to defend against fraud, lawsuits, claims or other liabilities; and to prevent physical harm or financial loss in connection with any suspected or actual illegal activity.
• Purchasers of Business or Assets — should we undergo any change in control, including by means of a merger, acquisition, or purchase of substantially all of our assets, your Personal Information may be shared with the parties involved in such transaction.
• Other Third Parties — to share Personal Information with other third parties at your direction, including with your consent, where applicable, and/or as otherwise permitted by law.

We may disclose Personal Information to all of the third parties listed above to comply with our legal obligations or for the business or commercial purposes identified above in “How We Use Personal Information.”

Under the CCPA, certain Personal Information we collect and process may be considered “Sensitive Personal Information” (e.g., passport number, driver's license, state identification card, and citizenship and immigration status). The CCPA requires that we provide you with a right to limit our use or disclosure of such Sensitive Personal Information in certain circumstances. Currently, we are not using your Sensitive Personal Information for purposes that would require that we provide you with a right to limit.

If your Personal Information is subject to the CCPA, you may have certain rights, subject to applicable exemptions and limitations, with regard to such Personal Information, including the right to:

• Be informed, at or before the point of collection, of the categories of Personal Information to be collected and the purposes for which the categories of Personal Information shall be used.
• Request that we delete any Personal Information about you that we collected, subject to certain exceptions (“Request to Delete”).
• Correct inaccurate Personal Information (“Request to Correct”).
• Request that we, as a business that collects Personal Information about you and that discloses your Personal Information for a business purpose, disclose to you (“Request to Know”) the: (i) categories of Personal Information we have collected about you; (ii) categories of sources from which we collected the Personal Information; (ii)business or commercial purpose for collecting or selling the Personal Information; (iii) categories of third parties with which we disclose Personal Information; and (iv) specific pieces of Personal Information we have collected about you.
• Not be discriminated against because you exercised any of your rights under the CCPA.
• Opt-out of the “sale” or “sharing” (as defined in the CCPA) of your Personal Information if a business sells or shares your Personal Information (please note that we do not sell or share your personal information).
• Limit the use and disclosure of Sensitive Personal Information where required by the CCPA (“Right to Limit”) (please note that we are not using your Sensitive Personal Information for purposes that would require that we provide you with a right to limit).

The CCPA does not restrict our ability to do certain things like comply with other laws or comply with regulatory investigations. We also reserve the right to retain, and not to delete, certain Personal Information after receipt of a Request to Delete from you, where permitted by the CCPA or another law or regulation.

If your Personal Information is subject to the CCPA, you may submit Requests to Know, Requests to Correct and Requests to Delete (“Consumer Rights Request”), you may exercise these rights by contacting us at 888-494-4881, info@pirscapital.com, or visiting our Contact page.

We are only required to respond to verifiable Consumer Rights Requests made by you or your authorized agent. When you submit a Consumer Rights Request, we may ask that you provide clarifying or identifying information to verify your request. Such information may include, at a minimum, depending on the sensitivity of the information you are requesting and the type of request you are making, your name and email address. Any information gathered as part of the verification process will be used for verification purposes only. You are permitted to designate an authorized agent to submit a Consumer Rights Request on your behalf and have that authorized agent submit the request through the provided methods. We may deny requests from authorized agents who do not submit proof that they have been authorized by you to act on your behalf. We may also require that you directly verify your own identity with us and directly confirm with us that you provided the authorized agent permission to submit the request.

Under California's Shine the Light Law Residents of the State of California may request a list of all third parties to which we have disclosed certain information during the preceding year for those third parties' direct marketing purposes.

Some web browsers (including Safari, Internet Explorer, Firefox, and Chrome) incorporate a “Do Not Track” (DNT) or similar feature that signals to web services that a visitor does not want to have their online activity and behavior tracked. If a web service operator elects to respond to a particular DNT signal, the web service operator may refrain from collecting certain Personal Information about the browser's user. Not all browsers offer a DNT option, and there is currently no industry consensus as to what constitutes a DNT signal. For these reasons, many website operators do not proactively respond to DNT signals. For more information about DNT signals, visit http://allaboutdnt.com.

For additional information, including details regarding your privacy rights, requesting an alternative version of this Privacy Policy or if you have any questions or concerns about, please contact us as explained in the “Contact Us” section above.