Privacy Policy

We collect information you provide when you submit a financing inquiry, complete a form on our website, speak with us, or send us documents. Depending on the form and the type of financing, this may include:

• Contact details: your name, title, email address, and phone numbers (including mobile)
• Business details: legal name, any DBA name, entity type, date of incorporation, industry, physical address, Federal Tax ID (EIN), and time in business
• Franchise details, if applicable: your franchise brand, number of locations you operate, and years in operation
• Owner and guarantor details requested by lenders, which may include ownership percentage, date of birth, home address, and, where a lender requires it, Social Security Number
• Financing details: the amount requested, loan purpose, and approximate revenue
• Financial documents you choose to send us, such as business bank statements or tax returns
• Anything else you tell us in a message, form, call, or email

We also receive information from other sources, including credit reporting agencies (only with your permission), lenders who respond to your application, and public records. We do not pull a credit report without your authorization.

When you visit our website, our systems automatically record technical data such as your IP address, browser type, device, referring page, pages viewed, and date and time of visit. We use this to run and secure the site, spot fraud, and understand how visitors use it.

We use the information we collect to:

• Evaluate your financing needs and connect you with appropriate lending partners
• Prepare and submit loan, line of credit, or Merchant Cash Advance (MCA) applications on your behalf
• Communicate with you regarding the status of your application and available financing options
• Respond to your inquiries and provide customer support
• Comply with applicable laws, regulations, and lender requirements
• Improve our website and the quality of our services
• Send you updates, financing resources, or promotional messages by email, phone, or text (you may opt out at any time; see Section 7)

We do not sell your personal information to third parties for their own marketing purposes.

As an ISO (Independent Sales Organization), Walnut Hill Capital LLC acts as a broker between business owners and third-party lenders and funders. To facilitate your financing, we may share your information with:

• Lending partners and funders to whom we submit applications on your behalf
• Credit bureaus and background-check providers, where required for underwriting
• Service providers who assist us in operating our website or managing applications (subject to confidentiality obligations)
• Regulatory or legal authorities when required by law or court order
• A buyer or successor, if Walnut Hill Capital LLC is merged, sold, or restructured, or if its business assets are transferred (we would require the recipient to honor this Policy)

We do not share your personal or financial information with any third party except as necessary to facilitate your financing request or as required by law. Any lender or partner who receives your information is responsible for handling it in accordance with their own privacy policies.

You have the right to access, correct, or request deletion of the personal information we hold about you. To exercise these rights, or to opt out of marketing communications, please contact us at:

We will respond to verifiable requests within a reasonable timeframe. Please note that some information may be retained as required by law or for legitimate business purposes (such as maintaining records of completed transactions).

We use reasonable administrative, technical, and physical safeguards to protect your personal and financial information from unauthorized access, disclosure, alteration, or destruction. Access is limited to the people who need your information to work on your request, and sensitive items such as bank statements, tax IDs, or SSNs are transmitted only through secure channels.

However, no method of transmission over the Internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately.

Our website uses cookies and similar technologies to improve your browsing experience, analyze site traffic, and understand how visitors interact with our content. Cookies are small data files stored on your device.

We use the following types of cookies:

• Essential cookies — required for the website to function (e.g., form submissions, session management)
• Analytics cookies — to understand how visitors use the site (e.g., pages visited, time on site)
• Marketing cookies — to measure the effectiveness of our outreach and advertising, which may involve advertising or analytics service providers

You can control or disable cookies through your browser settings. If you block essential cookies, some parts of the website, including forms, may not work properly. We do not sell personal information collected through cookies. Our site does not currently respond to Do Not Track signals; if we later honor browser-based opt-out signals such as Global Privacy Control, we will say so here.

Email

We use your email address for two kinds of messages: service messages (for example, confirming your inquiry, updating you on an application, or sending documents) and promotional messages (for example, newsletters, financing resources, or announcements). Our emails may include a small tracking element that tells us whether a message was opened and which links were clicked. We follow the U.S. CAN-SPAM Act. Every promotional email includes our mailing address and an unsubscribe link, and we honor unsubscribe requests promptly. Service messages about an open request may still be sent after you unsubscribe from promotions.

Phone Calls

By giving us your phone number, you agree that we may call you about your financing inquiry and our services. You can ask us to stop calling at any time.

Text Messages

By giving us your mobile number, you agree to receive text messages from Walnut Hill Capital LLC about your inquiry, application status, and follow-up. Message frequency varies. Message and data rates may apply. Consent to receive texts is not a condition of receiving our services. To stop texts, reply STOP to any message. For help, reply HELP. Opting out of texts will not affect your ability to work with us.

We do not share or sell your mobile number or text-messaging consent to third parties or affiliates for their marketing or promotional purposes.

Changing Your Preferences

You can withdraw your consent to marketing or any of the communications above by using the unsubscribe or STOP options, or by writing to us at the contact details in Section 16.

In connection with evaluating your financing request, Walnut Hill Capital LLC and/or its lending partners may obtain consumer or business credit reports about you or your business from one or more credit reporting agencies. We do not obtain a credit report without your permission. Where an initial review is a soft inquiry, it does not affect your credit score. A lender may perform a hard inquiry later in the process, and we will tell you in advance if that is the case. When you authorize a credit review, you permit Walnut Hill Capital LLC and the lenders reviewing your file to obtain the reports needed.

Under the Fair Credit Reporting Act (FCRA), you have the right to:

• Know when a credit report has been obtained in connection with your application
• Receive a copy of any consumer credit report used to take adverse action against you
• Dispute inaccurate or incomplete information with the applicable credit reporting agency
• Be notified of the credit reporting agency used if adverse action is taken based on your credit report

Adverse action notices (if applicable) will be issued by the lender or funder making the credit decision, not by Walnut Hill Capital LLC. We encourage you to review your credit reports regularly at annualcreditreport.com.

We retain personal and financial information collected in connection with financing inquiries and applications for a minimum of five (5) years from the date of collection, or longer if required by applicable law or lender agreements. This includes records of submitted applications, supporting documents, and communications related to your financing request.

Upon expiration of the applicable retention period, information is securely deleted or anonymized. To request early deletion of your data (where not prohibited by law), please contact us at [email protected].

If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) may provide you with additional rights regarding your personal information. These rights may apply to sole proprietors, personal guarantors, and individual contacts associated with a business financing inquiry.

California residents may have the right to:

• Know what personal information we collect, use, share, or sell
• Request deletion of personal information we hold about you (subject to certain exceptions)
• Correct inaccurate personal information
• Opt out of the sale or sharing of personal information (we do not sell personal information)
• Non-discrimination for exercising your CCPA/CPRA rights

To submit a California privacy request, contact us at [email protected] with the subject line "California Privacy Request." We will respond within 45 days as required by law.

Many states, including California, New York, Virginia, Utah, Georgia, Florida, and Connecticut, have laws that require commercial financing brokers to provide specific disclosures to business borrowers at the time of a financing offer. These disclosures — which include information such as the total amount financed, total repayment amount, and estimated APR — are separate from this Privacy Policy and will be provided to you as required by the laws of your state prior to your acceptance of any financing offer.

Walnut Hill Capital LLC is committed to complying with all applicable commercial financing disclosure requirements. If you have questions about the disclosures applicable to your transaction, please contact us at [email protected].

Submission of a financing inquiry or application through Walnut Hill Capital LLC does not guarantee approval, the availability of any particular financing product, or any specific financing terms. Approval decisions are made solely by the lenders and funders to whom your application is submitted. Walnut Hill Capital LLC makes no representations or warranties regarding the likelihood of approval or the terms of any financing offer.

Our website may contain links to third-party websites, including lender portals, franchise resources, or industry publications. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party websites you visit.

Our website and services are intended for business owners and are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us and we will promptly delete it.

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. When we make material changes, we will update the Effective Date at the top of this page. We encourage you to review this Policy periodically.

Your continued use of walnuthill.co after any changes constitutes your acceptance of the updated Policy.

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: