Privacy Policy

Effective Date: September 9, 2026
Last Updated: September 9, 2026

Outside the Box Capital LLC DBA American Business Funders (“American Business Funders,” “ABF,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the information you provide to us.

This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, submit an application or inquiry, communicate with us, or otherwise use our funding and financing-related services.

This Privacy Policy applies to information collected through the American Business Funders website and through our related communications and services.

Information We Collect

Depending on how you interact with American Business Funders, we may collect the following categories of information:

Contact Information

We may collect information such as:

• Name
• Business name
• Mailing or business address
• Email address
• Telephone or mobile telephone number

Business and Application Information

We may collect information necessary to evaluate or process a request for business funding or other financing services, including:

• Business type and industry
• Time in business
• Business revenue
• Requested financing amount
• Existing financing obligations
• Ownership information
• Business financial information
• Funding needs and intended use of proceeds

Financial and Identification Information

When necessary to provide our services, we may collect financial or identification information such as:

• Bank statements
• Bank account information
• Credit information
• Credit history
• Tax identification numbers
• Social Security numbers
• Other information reasonably necessary to verify identity, evaluate an application, prevent fraud, or process a financing request

Website and Technical Information

When you use our website, we may automatically collect certain technical information, including:

• IP address
• Browser type
• Device information
• Operating system
• Referring and exit pages
• Pages viewed
• Date and time of visits
• Website interaction and usage information

We may collect this information through cookies and similar technologies.

How We Use Information

American Business Funders may use information we collect to:

• Respond to inquiries and requests
• Process and evaluate funding or financing applications
• Match applicants with appropriate financing products or financing providers
• Verify identity and application information
• Conduct fraud prevention and risk-management activities
• Communicate regarding an application, inquiry, account, or requested service
• Request documents or additional application information
• Provide customer service and support
• Operate, maintain, secure, and improve our website and services
• Maintain business and transaction records
• Comply with legal, regulatory, contractual, and compliance obligations
• Protect the rights, property, security, and integrity of American Business Funders, our customers, and others
• Send marketing communications from American Business Funders where permitted by law and in accordance with your communication preferences

How We Disclose Information

American Business Funders may disclose Personal Information only for legitimate business purposes related to providing our services, operating our business, or complying with applicable law.

The disclosures described below are subject to the special restrictions concerning mobile information, SMS opt-in data, and text messaging consent stated in the SMS/Text Messaging Privacy section of this Privacy Policy.

Financing Providers

We may disclose information necessary to evaluate, process, fulfill, or service a financing request to lenders, funders, financial institutions, or other financing providers that may be able to provide the product or service requested by an applicant.

These disclosures are made for purposes related to the applicant’s financing request and not for unrelated third-party marketing.

SMS opt-in data and text messaging consent are excluded from these disclosures.

Service Providers

We may disclose information to service providers that perform functions on our behalf, such as:

• Website hosting
• Data storage
• Information security
• Document processing
• Application processing
• Identity verification
• Credit-related services
• Analytics
• Customer support
• Communications infrastructure
• Legal, accounting, or compliance services

Service providers are permitted to process information only as reasonably necessary to perform services for American Business Funders.

SMS opt-in data and text messaging consent are excluded from these disclosures except for service providers used solely to operate and deliver American Business Funders’ SMS/text messaging program as described below.

Legal and Compliance Disclosures

We may disclose information when reasonably necessary to:

• Comply with applicable law, regulation, subpoena, court order, or other legal process
• Respond to lawful requests from governmental or regulatory authorities
• Investigate or prevent fraud, misuse, security incidents, or unlawful activity
• Protect the legal rights, property, or safety of American Business Funders or others
• Establish, exercise, or defend legal claims

Business Transactions

If American Business Funders is involved in a merger, acquisition, restructuring, financing, sale of assets, or similar business transaction, information may be transferred as part of that transaction where permitted by law and subject to applicable privacy obligations.

SMS opt-in data and text messaging consent do not constitute transferable marketing consent and may not be used by another entity to send SMS marketing messages based on consent provided to American Business Funders.

SMS/Text Messaging Privacy

This section applies specifically to mobile telephone information and SMS/text messaging communications from American Business Funders.

SMS Information We Collect

If you choose to opt in to SMS/text messaging, American Business Funders may collect and maintain information such as:

• Your mobile telephone number
• The date and method of your SMS opt-in
• Records demonstrating your SMS consent
• SMS message history
• Opt-out requests
• HELP or customer-support requests
• Information necessary to administer our SMS messaging program

How We Use SMS Information

If you expressly opt in to receive SMS/text messages from American Business Funders, we may use your mobile number to send recurring messages concerning your business funding inquiry or application.

Messages may include:

• Application updates
• Application status information
• Requests for documents or additional information
• Financing options
• Follow-up communications
• Customer-service communications
• Related American Business Funders offers

Message frequency varies. Message and data rates may apply.

Your consent to receive SMS/text messages is voluntary and is not a condition of applying for, purchasing, obtaining, or using any product or service.

No Sharing of SMS Opt-In Data or Consent

American Business Funders does not share, sell, rent, transfer, or provide SMS opt-in data or text messaging consent to third parties or affiliates for marketing or promotional purposes.

All categories of information disclosure described in this Privacy Policy exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties for their marketing or promotional purposes.

SMS opt-in data and text messaging consent are specific to American Business Funders and are not transferable or assignable to another business, affiliate, marketing partner, lead generator, lender, funder, or other third party.

Authorization relating to other Personal Information does not authorize the disclosure, transfer, or use of SMS opt-in data or text messaging consent by another party for marketing or promotional purposes.

No third party may rely upon a customer’s SMS consent to American Business Funders as consent to send its own SMS/text messages.

Mobile information will not be shared with third parties or affiliates for their own marketing or promotional purposes.

SMS Service Providers

American Business Funders may use telecommunications carriers, messaging platforms, and other technical service providers solely to transmit, route, deliver, maintain, or support American Business Funders’ SMS/text messaging service.

These providers may process mobile information only as necessary to perform messaging services on behalf of American Business Funders and may not use the information for their own marketing or promotional purposes.

This limited processing by messaging infrastructure providers does not constitute authorization for any other business to use American Business Funders’ SMS opt-in data or consent.

SMS Opt-Out

You may stop receiving SMS/text messages from American Business Funders at any time by replying STOP to any message.

After submitting a STOP request, you may receive a final confirmation message confirming that you have been unsubscribed.

SMS Help

For assistance with SMS/text messaging, reply HELP to any message or contact American Business Funders at:

1-855-33-GO-ABF (1-855-334-6223)
info@abfunders.com

For additional information about our messaging program, please review our SMS Terms & Conditions.

Marketing Communications

American Business Funders may communicate with you regarding our own products and services where permitted by law.

You may unsubscribe from marketing email communications by using the unsubscribe instructions contained in the applicable email.

SMS/text messaging is governed separately by the SMS provisions above. SMS consent is optional, is specific to American Business Funders, and may be withdrawn at any time by replying STOP.

We do not provide SMS opt-in data or text messaging consent to other businesses so that they may market their products or services by text message.

Cookies and Similar Technologies

American Business Funders may use cookies and similar technologies to operate and improve our website, remember preferences, understand website usage, maintain security, and measure website performance.

Cookies are small files stored on your device by your web browser. Depending on your browser, you may be able to limit or disable cookies through your browser settings.

Disabling certain cookies may affect the operation of some website features.

Analytics and Advertising Technologies

We may use analytics and advertising technologies to understand how visitors use our website, evaluate website performance, and measure the effectiveness of our advertising.

These technologies may collect information concerning browser activity, device information, IP address, pages viewed, and interactions with our website.

SMS opt-in data and text messaging consent are not provided to advertising or analytics providers for their own marketing or promotional purposes.

Third-Party Websites and Services

Our website may contain links to websites or services operated by third parties.

American Business Funders does not control the privacy practices of independently operated third-party websites. Information you provide directly to another website or business is governed by that party’s privacy policy and practices.

We encourage you to review the privacy policies of third-party websites before providing Personal Information to them.

Information Security

American Business Funders uses reasonable administrative, technical, and organizational safeguards designed to protect Personal Information from unauthorized access, loss, misuse, alteration, or disclosure.

However, no method of transmitting information over the Internet or storing electronic information is completely secure. We therefore cannot guarantee absolute security.

Data Retention

We retain Personal Information for as long as reasonably necessary to:

• Provide requested services
• Process and maintain applications and transactions
• Maintain appropriate business records
• Fulfill contractual obligations
• Meet legal, regulatory, accounting, fraud-prevention, and compliance requirements
• Resolve disputes
• Enforce agreements
• Protect our legal rights

Retention periods may vary depending upon the type of information and the purpose for which it was collected.

SMS opt-in and opt-out records may be retained as necessary to document messaging preferences and comply with applicable law and messaging requirements.

Your Choices and Privacy Requests

You may contact American Business Funders to request correction or updating of Personal Information we maintain about you.

Where applicable law provides additional rights concerning access, correction, deletion, or other treatment of Personal Information, you may submit such a request using the contact information below.

Certain information may need to be retained where required or permitted by law, including records necessary for fraud prevention, regulatory compliance, contractual obligations, dispute resolution, and documentation of communication preferences.

SMS opt-out requests should be made by replying STOP to an American Business Funders text message.

Children’s Privacy

Our website and services are intended for adults and businesses and are not directed to children under 18 years of age.

We do not knowingly solicit Personal Information from children under 18 through our funding application process.

Changes to This Privacy Policy

American Business Funders may update this Privacy Policy periodically to reflect changes in our practices, services, technology, or legal requirements.

When we update this Privacy Policy, we will revise the “Last Updated” date at the top of this page.

We encourage you to review this Privacy Policy periodically.

Contact Us

If you have questions about this Privacy Policy, our privacy practices, or your information, contact:

Outside the Box Capital LLC DBA American Business Funders
312 W 2nd St, #5361
Casper, WY 82601

Email: info@abfunders.com
Telephone: 1-855-33-GO-ABF (1-855-334-6223)