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Privacy Policy

 

Effective Date: January 1, 2026

PeerFi.io (“PeerFi,” “Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal and business information. This Privacy Policy describes how we collect, use, store, and disclose information when you access our website, submit an application, or use our funding marketplace platform (collectively, the “Platform”).

By using the Platform, you agree to the terms of this Privacy Policy.
 

1. Marketplace Disclosure

PeerFi operates as a funding marketplace. We are not a bank, lender, or credit provider. PeerFi does not make credit decisions, issue funding, or determine loan terms. Funding approvals and terms are determined solely by participating funding providers.

2. Information We Collect

A. Personal Identification Information

  • Full name

  • Residential address

  • Email address

  • Phone number

  • Date of birth

  • Social Security Number

B. Business Information

  • Business name

  • EIN

  • Business address

  • Time in business

  • Ownership structure

  • Industry classification

C. Financial Information

  • Revenue information

  • Bank statements

  • Account balances

  • Cash flow information

  • Uploaded financial documentation

D. Technical Information (Security & Functionality Only)

  • IP address

  • Browser type

  • Device type

  • Session identifiers

PeerFi does not use advertising pixels, behavioral tracking tools, or cross-site tracking technologies.

3. How We Use Information

We use collected information solely for legitimate business purposes, including:

  • Processing and packaging funding applications

  • Matching applicants with participating funding providers

  • Transmitting application data to funding providers

  • Facilitating funding offers

  • Verifying identity

  • Preventing fraud and unauthorized activity

  • Complying with legal and regulatory obligations

  • Maintaining internal business records

PeerFi does not sell, rent, trade, or monetize personal information.

4. Information Sharing and Disclosure

We may share information only in the following circumstances:

A. Participating Funding Providers

To evaluate and present funding offers.

B. Service Providers

With trusted third-party service providers who assist with:

  • Secure hosting

  • Encrypted data storage

  • Infrastructure management

  • Security services

These providers are contractually obligated to safeguard information.

C. Legal Compliance

If required by law, subpoena, court order, or regulatory request.

D. Business Transfers

In connection with a merger, acquisition, or sale of assets.

PeerFi does not share personal information for advertising purposes.

5. Data Retention

We retain application and account information only as long as necessary to:

  • Facilitate funding processes

  • Comply with legal and regulatory obligations

  • Prevent fraud

  • Resolve disputes

  • Enforce agreements

Retention periods may vary depending on regulatory requirements and legitimate business needs.

6. Data Security

PeerFi implements industry-standard administrative, technical, and physical safeguards designed to protect sensitive information, including:

  • Encryption in transit (SSL/TLS)

  • Encrypted third-party storage solutions

  • Access controls and role-based permissions

  • Secure infrastructure providers

  • Vendor due diligence

While we take reasonable measures to protect information, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Communications

We may communicate with users regarding:

  • Application status

  • Funding offers

  • Required documentation

  • Account notifications

Users may opt out of non-essential communications. Transactional communications related to active applications may still be sent as necessary.

PeerFi does not sell or distribute contact information for third-party marketing.

8. Cookies and Website Functionality

PeerFi uses limited cookies strictly for:

  • Website functionality

  • Session management

  • Security

We do not use advertising cookies, retargeting tools, or behavioral tracking technologies.

9. Your Privacy Rights

Subject to applicable law, users may request:

  • Access to personal information

  • Correction of inaccurate information

  • Deletion of information (subject to regulatory retention requirements)

Requests may be submitted using the contact information below.

10. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA/CPRA), including:

  • The right to know what personal information is collected

  • The right to request deletion

  • The right to correct inaccurate information

  • The right to opt out of the sale or sharing of personal information

PeerFi does not sell or share personal information as defined under California law.

11. Children’s Privacy

The Platform is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

12. Third-Party Links

The Platform may contain links to third-party websites operated by funding providers or other parties. PeerFi is not responsible for the privacy practices of those third parties.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date. Continued use of the Platform constitutes acceptance of any updates.

14. Contact Information

If you have questions regarding this Privacy Policy or wish to exercise your rights, please contact:
hello@peerfi.io

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