Privacy Policy

Our structure

Swoop Funding LLC, registered at 8 The Green, Dover, DE 19901, operates in the United States as a licensed broker and is a subsidiary and licensee of BizFly Limited (registered in Ireland, company number 601838; registered office: Kinnear Court, Mullingar, Co. Westmeath, N91 TY40). We adhere to the Gramm‑Leach‑Bliley Act, follow Federal Trade Commission guidance on consumer privacy, and comply with applicable state privacy laws such as the California Consumer Privacy Act. Where required, we will provide additional registration or licensing details upon request.

Who we are and how to contact us

We are Swoop Funding LLC, the owner and operator of https://swoopfunding.com/us/

https://swoopfunding.com/us/ (owned and operated by Swoop Funding LLC) is a business finance and cost savings matching platform for eligible American businesses.

https://swoopfunding.com/us/ reviews and compares finance matching options across loans, grants, and investments, as well as savings matching options for business banking, foreign exchange, utility costs and more.

Swoop Funding LLC (“we”, “us” and “our” in this privacy policy) is the data controller responsible for personal information processed by this website, and by the company.

Business refers to customers who use Swoop directly, or indirectly (“you” and “your” in this privacy policy). Where a business is registered by an ‘Introducer’, the business must have provided permission to the ‘Introducer’ to act on its behalf prior to registration with Swoop.

It is most important that you read this privacy policy carefully so that you are fully aware of how and why we use your personal information. We do not knowingly collect personal information from individuals under 18 years of age. If you believe we have collected personal information from a person under 18, please contact us at privacy@swoopfunding.com so we can promptly investigate and, where appropriate, delete the information.

Swoop’s Data Protection Officer (DPO) ensures we are compliant with data protection and privacy in the US, Canada, the UK, Ireland, Australia, and South Africa. If you have any questions about this privacy policy or if you wish to exercise your legal rights set out in this privacy policy, please contact the DPO at: privacy@swoopfunding.com

Your rights (CCPA & State Laws)

You have the right to know what personal data we collect; the right to request deletion; the right to opt out of sale or sharing of personal data; and the right to non‑discrimination for exercising privacy rights. If you are a parent or guardian and believe your child’s personal information has been collected, you may submit a request to privacy@swoopfunding.com; we will respond in accordance with applicable law.

Changes to this privacy policy

We reserve the right to amend or modify this privacy policy from time to time. All amended versions of this privacy policy will be posted on our website.

Types of personal information we collect

Depending on the requirements of your business, we may collect any of the following: identifiers (name, address, contact details); business financial information; technical and behavioural data (website usage); and sensitive data only where permitted by law.

Identifiers — personal information used to identify you (for example, name; date and place of birth).
Contact details — information we use to communicate with you (for example, home or business address; email address; telephone number).
Business financial information — financial and transactional information necessary to assess and provide services to your business.
Technical and behavioural data — information about how you use our website and services, and the devices and technologies you use to access them.
Sensitive data — highly sensitive categories (for example, health information or criminal conviction data); we will only collect such data where permitted by applicable law and with appropriate safeguards.

How we use personal information, the grounds in law upon which we rely to use it, and why we use it

How we might use your personal information	What legal grounds (‘lawful basis’) do we have to use your personal information?	Why do we use your personal information the way we do?
We may share your personal information with our approved finance/service providers so that they can return information to you via our website.	This processing of your personal information is necessary so that we can provide our services to you in accordance with our website terms and conditions.	Without processing your personal information in this way, we would be unable to provide our services to you/your business.
We may share your personal information with a limited number of approved third-party data providers in return for further information about you.	We have a legitimate interest in processing your personal information in this way.	It is in our legitimate interests to process your personal information in this way so that we can provide a more user-friendly experience.
If you opt-in to receive general marketing from us, we may process your personal information for the purposes of providing our general marketing to you. For example, if you opt in to receive our general marketing, we may send you newsletters and updates about our latest services.	We will only process your personal information for the purposes of providing direct marketing to you/your business with your consent.	Our marketing materials are diligently drafted, topical, relevant, and useful for our business customers.
If, during your application process, you opt-in to receive contact from our approved finance/service providers, we may provide your contact details to those partners so that they can contact you in order to progress the required support for your business.	We will only share your personal information with our approved finance/service providers so that they can contact you in this way with your consent.	We understand that some of our business customers will prefer to communicate exclusively with us. By opting-in to receive contact from our approved finance/service providers, you/your business may save valuable time and resources.
We may process your personal information in order to send you service communications.	This processing of your personal information is necessary so that we can deliver our support and services to your business in accordance with our website terms and conditions.	Without processing your personal information in this way, we would be unable to deliver our services and support to your business.
We may process your personal information in order to detect and prevent financial crime, including fraud.	We have a legitimate interest in processing your personal information for the purposes of detecting and preventing financial crime.	It is in our legitimate interests to process your personal information in this way because financial crime negatively impacts all of us.
We may process your personal information and share it with our approved finance partners and third-party providers in order to verify that a financing and/or servicing arrangement between you and one of our approved finance/service providers has taken place.	We have a legitimate interest in processing your personal information for transaction validation and audit purposes.	It is in our legitimate interests to process your personal information in this way so that we can continue to provide our services to you. This means it is imperative that we can audit our approved finance/service providers for transaction validation purposes and, where appropriate, receive commission or other payments for services rendered by us.
We may process your personal information in order to personalise or improve aspects of our service and for troubleshooting and other quality control and testing purposes, including for the purposes of responding to any queries or complaints raised by you or our approved finance/service providers.	We have a legitimate interest in processing your personal information in order to ensure that we are always able to provide an excellent service to our valued customers.	It is in our legitimate interests to process your personal information in this way so that we can provide a high quality of service. To do this, we regularly monitor and seek to improve our interactions with you and our approved finance/service providers. This helps us to understand how we can better satisfy the needs of your business and hence grow our business. Sometimes we may also need to access your personal information in order to resolve any queries or complaints which are made about our service. Our work in this area ensures that we can continue to provide the high level of service which your business deserves.
We may process your personal information in order to comply with our legal and/or regulatory obligations.	This processing of your personal information is necessary so that we can comply with the numerous legal and/or regulatory obligations to which we are subject.	We operate within a heavily regulated environment; we are subject to numerous laws, rules, regulations, and requirements. Sometimes it is necessary for us to process your personal information in order to comply with the laws, rules, regulations, and requirements to which we are subject.

How we collect personal information

We collect personal information from you when you interact or engage with our website, including when you register an account with us via our website. We may also collect personal information from you when you talk to us on the phone, by post or online including via email, social media, and mobile device apps. We may also engage with you and hence collect personal information from you if you choose to provide feedback or take part in any of our other market research initiatives, customer surveys or promotions.

Occasionally, we may also collect personal information about you from our approved finance/service providers, third parties or publicly available sources.

Third parties with whom we may exchange personal information

We may share personal information with or receive personal information from:

other members of our corporate group, including our and their professional advisers,
our approved finance/service providers,
other third-party providers,
our regulators and other regulatory bodies,
law enforcement and fraud prevention agencies,
third parties to whom we may sell, transfer or merge parts of our business or assets or third parties whose business or assets we may acquire, and
our third-party suppliers (for example, IT software and service providers, IT maintenance and hosting, marketing/PR agencies).

We work closely with our partners to ensure that we only share information with them, and they only share information with us that is either required to provide you with the services or is required by law.

To provide you with a full range of services we also work with a number of carefully selected partners who offer some, or all, of their services by allowing you to directly ‘click-through’ from the Swoop site to the partners site. In circumstances where you ‘click-through’ to a partner’s site:

we will always make it clear when you are leaving our site and going to one of our partners
any information that you subsequently provide to a partner following a ‘click-through’ will be governed by their Privacy Policy and we recommend reading their privacy policy before continuing to use their services.

Our selected ‘click through’ partners are listed below:

How third parties with whom we exchange personal information may use that personal information

We impose strict restrictions on the things that third parties may do with personal information that we give to them. For example, such third parties may process personal information that we give to them in order to:

assess the eligibility of your business for products, support, or services to meet the requirements of your business,
determine/verify your identity and hence carry out necessary checks:
- with fraud prevention agencies in order to detect and prevent financial crime, including fraud,
- with credit reference agencies, with the exception of a small number of products where we are obliged to perform comprehensive ID checks (i.e. commercial mortgages) this will appear as soft searches on your credit report and hence should not adversely affect your credit profile,
- against information our finance/service providers already hold about you (for example, if you are already known to their corporate group), and
- with any other agencies in order that we comply with our legal and regulatory obligations.
share personal information with their third-party providers and relevant/ appropriate industry and/or government research activities and/or databases and,
conduct internal research, reports, and management information (‘MI’) reporting (such as by analysing the nature, scope, and volume of transactions) in order to develop the products and services which they offer.
If you/your business intends to or proceeds to transact with any one or more of our approved finance/service providers, you are strongly encouraged to read the terms of that provider’s privacy policy in order to satisfy yourself as to the purposes for which that provider will use your personal information.

Other disclosures to third parties

Aside from the disclosures set out above, we may also make disclosures as required by law. You acknowledge and agree that we may disclose information you provide if required to do so by law, or if we, in our sole discretion, believe that disclosure is reasonable to.

comply with the US law
accord with requests or orders from law enforcement
comply with a legal process
protect or defend Swoop’s rights or property, or a third party’s rights or property

What communications you may receive from us

The communications we send to our customers can be categorised broadly as “direct marketing communications” and “service communications”.

Direct marketing communications

Our direct marketing communications includes our newsletters and information about the latest services and support we can offer to your business.

If you do not want to receive marketing information from us, we will not send any direct marketing communications to you.

Service communications

Service communications broadly comprise of communications which:

we have a legal or regulatory obligation to send to you (such as communications which we are obliged by a regulator to send to you from time to time).
we send in connection with the provision of our services to you (such as an email which we send to you in order to confirm the best match for your business’s finance requirements); and
we send so that we can provide services at your request (such as password reset emails, which you may ask us to send if you do not remember your login credentials but want to access our services).

Text communications

If you provide your mobile phone number and opt in, Swoop Funding LLC may send you SMS text messages for service, customer engagement, and marketing purposes. These messages may include application-related alerts, updates, reminders, and information about our products and services. Message frequency may vary. Message and data rates may apply.

You can opt out of receiving SMS messages at any time by replying STOP. For help, reply HELP.

We may share your mobile phone number with service providers, including messaging platforms and mobile carriers, solely for the purpose of delivering SMS communications. We do not sell or share your personal information, including mobile phone numbers, with third parties for their own marketing purposes.

Sending personal information outside the USA

We may transfer personal information within the United States and to service providers located outside the United States when necessary to provide our services. Where personal information is transferred internationally, we take steps to ensure it is afforded an appropriate level of protection, which may include one or more of the following safeguards:

Adequacy decisions — transfers to countries that the U.S. government or other competent authority has recognised as providing adequate protection for personal information;
Contractual safeguards — data protection clauses or contractual terms that require recipients to protect personal information to standards consistent with applicable U.S. privacy laws;
Organisational safeguards — binding corporate rules, internal policies, and technical and organisational measures (for example, encryption and access controls); and
Consent — where required by law or where you have expressly agreed, we will transfer personal information with your consent.

We require our service providers and partners to implement appropriate technical, contractual, and organisational safeguards to protect personal information.

How long we retain personal information

We may keep your personal information for up to six (6) years following the date on which you last use our website or only for as long as is reasonably necessary thereafter in order to:

respond fully to any questions or complaints;
evidence that we have treated customers fairly or satisfy some other legal, accounting, tax or reporting requirement; and
establish, exercise, or defend legal claims in accordance with statutory limitation periods.

Data security

The security of personal information is extremely important to us and hence we have put in place appropriate security measures to protect personal information from being accidentally lost, used, or accessed in an unauthorised way.

Your legal rights Right of access (compliant with EU GDPR)

You have a right to know whether we are processing your personal information. If we are processing your personal information, you also have a right to request copies of your personal information that we are processing and certain further information, including the purposes of our processing and the recipients or categories of recipients to whom we have disclosed (or will disclose) your personal information.

Right to rectification

You have the right to require us to rectify or complete any inaccurate or incomplete personal information that we are holding about you.

Right to erasure

You have a right to ask us to erase your personal information. This is also known as the “right to be forgotten”. We must erase your personal information following your request except in limited circumstances prescribed by law, such as where we need to retain your personal information in order to comply with a legal obligation or in order to establish, exercise or defend legal claims. In these circumstances, we will restrict our processing of your personal information by putting it “beyond use”.

Right to restriction of processing

You have a right to require us to restrict processing of your personal information where:-

you believe that the personal information we hold about you is inaccurate, and we require reasonable time to verify the accuracy of that personal information,
your personal information has been unlawfully processed by us, but you do not want us to erase that personal information,
it is no longer necessary for us to keep your personal information for the purposes for which they were collected by us, but they are required by you for the establishment, exercise, or defence of legal claims, or
you exercise your right to object to processing and we require reasonable time to verify whether there are any overriding grounds upon which we may rely in order to continue that processing.

Right to data portability

If we process your personal information with your consent or because it is necessary for us to do so in order to provide our service to you/your business, you may require us to move, copy or transfer that personal information to you or another third party in a structured, commonly used and machine-readable format.

Right to object

You have a right to object to our processing of your personal information where we are processing that personal information on legitimate interest grounds. We will stop processing this personal information if you exercise your right to object unless there are overriding grounds upon which we may rely in order to continue that processing or unless that processing is necessary in order to establish, exercise or defend legal claims.

You also have a right to object to our processing of your personal information for direct marketing purposes. You can use the unsubscribe hyperlink in any direct marketing messages which we may send to you. We will stop processing your personal information for direct marketing purposes if you request us to do so.

Right to withdraw consent

If we process your personal information with your consent, you have a right to withdraw your consent at any time. If you withdraw your consent, we may be unable to continue to provide certain services to you/your business, but we will inform you if that is the case.

Cookies

For information on the cookies we use, please refer to our Cookie Policy.

Complaints

If you have a concern, we’d love the chance to put it right. Please email us at complaints.us@swoopfunding.com and we’ll get back to you promptly. If we can’t resolve your complaint, you may also contact the Federal Trade Commission or your state attorney general.

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