1. Introduction

Franklin Funding ("we," "us," or "our") operates workingcapitalelpaso.com (the "Site"), a digital lead generation and lending referral platform serving El Paso, TX and the Borderplex region. This Privacy Policy explains how we collect, use, disclose, and protect information when you use our Site. By using this Site, you agree to the practices described here.

This policy is designed to comply with applicable U.S. federal privacy law including the Gramm-Leach-Bliley Act (GLBA), the Federal Trade Commission Act (FTC Act, 15 U.S.C. §45), and where applicable, the California Consumer Privacy Act (CCPA). For information on how the FTC approaches data privacy in the financial sector, see the FTC's GLBA Guidance page (ftc.gov).

2. Information We Collect

2.1 Information You Provide Directly

  • Contact Information: Name, email address, phone number, business address
  • Business Information: Business name, industry, years in operation, annual revenue, funding goals
  • Application Data: General financial profile submitted in loan inquiries (we do not collect or store bank account numbers, credit card numbers, or Social Security numbers)

2.2 Information Collected Automatically

  • Analytics: We use Rybbit Analytics, a cookieless, privacy-focused analytics tool that collects aggregated, non-personally-identifiable data (page views, referral sources, device types). Rybbit does not use advertising cookies or fingerprinting. See Rybbit's privacy page for details.
  • Server Logs: Standard server logs may record IP addresses, browser types, and page paths for security and performance. This data is not linked to personal identifiers.
  • Cookies: We use minimal functional cookies only. We do not use advertising or tracking cookies. Third-party embedded content may set their own cookies under their own policies.

3. How We Use Your Information

  • Connect you with third-party lenders and financial providers in our referral network
  • Respond to your inquiries and application submissions
  • Send relevant financing information (with your consent)
  • Improve our Site content and user experience
  • Comply with legal obligations and protect our legal rights
  • Detect and prevent fraud, spam, and abuse

4. Information Sharing and Disclosure

Franklin Funding is a referral platform. When you submit an inquiry, we share your information with third-party lenders and financial providers who may contact you regarding financing. We do not sell your information to data brokers or unrelated third parties.

We may disclose information to:

  • Affiliate lending partners (ROK Financial, QuickBooks Capital / Intuit) for processing your financing inquiry
  • Service providers who operate this Site under data processing agreements
  • Law enforcement or government authorities when required by law
  • Protect the rights, property, or safety of Franklin Funding, our users, or the public

5. Affiliate Tracking

This Site contains affiliate links. When you click an affiliate link (e.g., to ROK Financial or QuickBooks Capital), the destination site may use cookies or pixel tracking to attribute your visit for commission purposes. These technologies are governed by the destination site's privacy policy.

6. Data Retention

We retain inquiry and application data for up to 24 months. Analytics data is retained in aggregated, non-identifiable form. You may request deletion of personal data by contacting us.

7. Your Rights and Choices

  • Opt-Out of Marketing: Unsubscribe using the link in any marketing email.
  • Access and Correction: Request access to or correction of personal information we hold.
  • Deletion: Request deletion of personal information, subject to legal retention obligations.
  • California Residents (CCPA): Right to know, right to delete, right to opt out of sale of personal information. We do not sell personal information. Contact us to exercise CCPA rights.

8. Security

We implement HTTPS encryption, access controls, and privacy-focused analytics to protect your information. No internet transmission is completely secure; we cannot guarantee absolute security.

9. Children's Privacy

This Site is for business owners aged 18 and older. We do not knowingly collect personal information from children under 13.

10. Third-Party Links

This Site links to third-party sites including government agencies (SBA.gov, FTC.gov), educational institutions, and lender partners. We are not responsible for the privacy practices of external sites.

For information on federal small business lending resources, see the U.S. Small Business Administration (SBA.gov) lending programs page.

11. Changes to This Policy

We may update this Privacy Policy periodically. The "Effective Date" reflects the most recent revision. Continued use of the Site after changes constitutes acceptance.

12. Contact Us

Franklin Funding
Email: info@workingcapitalelpaso.com
Phone: (888) 653-0124
Hours: Monday–Friday, 8:00am–6:00pm MST

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