Privacy Policy

Last Updated: February 11, 2026

Baj Capital LLC ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website baj-capital.com, use our services, or communicate with us.

1. Information We Collect

We may collect the following types of personal information:

Contact Information: Name, email address, phone number (if voluntarily provided), mailing address
Business Information: Company name, industry, business revenue, funding needs
Communications: Records of correspondence, inquiries, and messages you send us
Technical Data: IP address, browser type, device information, pages visited, referring URLs
Cookies and Tracking: We use cookies and similar technologies to improve your experience on our website

Important: Providing your phone number is entirely voluntary and is not a condition of purchase of any goods, services, or financial products from Baj Capital LLC. You may access and use all of our lending services without providing a phone number.

2. How We Use Your Information

We use the information we collect for the following purposes:

To respond to your inquiries and provide information about our financial services
To evaluate and process lending applications
To communicate with you about your account or our services
To send SMS/text messages if you have expressly opted in (see Section 4)
To comply with legal and regulatory obligations
To improve our website, services, and customer experience
To protect against fraud, unauthorized transactions, and other liabilities

3. SMS/Text Message Communications

Baj Capital LLC may offer the option to receive SMS/text messages regarding your inquiry, application status, or related communications. Your consent to receive SMS/text messages is entirely optional and is not a condition of purchase of any lending services, financial products, or any other goods or services from Baj Capital LLC.

3.1 Consent and Automatic Telephone Dialing System (ATDS)

By checking the SMS consent checkbox on our contact form, you expressly consent to receive text messages from Baj Capital LLC. These messages may be sent using an automatic telephone dialing system (ATDS) or other automated technology. Your consent to receive messages sent via an ATDS is not required as a condition to receive any services from Baj Capital LLC.

3.2 Message Frequency and Costs

Message frequency varies based on your inquiry and account activity. Standard message and data rates may apply as determined by your mobile carrier. Baj Capital LLC is not responsible for any charges applied by your mobile carrier.

3.3 Opting Out of SMS

You may opt out of receiving SMS/text messages at any time by replying STOP to any message you receive from us. After opting out, you will receive one final confirmation message. You may also contact us at albert@baj-capital.com to request removal from our SMS communications list.

3.4 Help

For help with our SMS program, reply HELP to any message or contact us at albert@baj-capital.com.

ATDS Disclosure: Baj Capital LLC may use an automatic telephone dialing system (ATDS) to send text messages to the phone number you provide. By opting in, you acknowledge and consent to receiving messages via ATDS. This consent is not a condition of purchase of any services. You may revoke consent at any time by texting STOP.

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information in the following limited circumstances:

Service Providers: Trusted third parties who assist us in operating our business (e.g., CRM platforms, SMS delivery providers, web hosting). These providers are contractually obligated to protect your information.
Legal Requirements: When required by law, regulation, subpoena, or court order
Business Transfers: In connection with a merger, acquisition, or sale of assets
Consent: With your express permission for any other purpose

We do not share your phone number or SMS consent data with third parties for their own marketing purposes. SMS opt-in data and consent information will not be shared with any third parties except as necessary to deliver our SMS communications through our authorized messaging provider.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, or as required by applicable law. When information is no longer needed, we securely delete or anonymize it.

7. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

Right to access the personal information we hold about you
Right to request correction of inaccurate information
Right to request deletion of your personal information
Right to opt out of certain communications, including SMS messages
Right to withdraw consent at any time

To exercise any of these rights, contact us at albert@baj-capital.com.

8. Third-Party Links

Our website may contain links to third-party websites. 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 sites you visit.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a minor, we will promptly delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.

11. Contact Us

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

Baj Capital LLC
Brooklyn, New York
Email: albert@baj-capital.com
Website: baj-capital.com

Summary of Key SMS/ATDS Disclosures:

• SMS consent is not a condition of purchase of any goods or services from Baj Capital LLC.

• Messages may be sent using an automatic telephone dialing system (ATDS).

• You may opt out at any time by replying STOP.

• Message and data rates may apply.

• Message frequency varies.

• Your phone number and opt-in consent will not be shared with third parties for marketing.