Privacy Policy

Effective Date: September 30, 2026

LendKoi, Inc., doing business as Capitella ("Capitella," "we," "us," or "our"), values your privacy. This Privacy Policy explains what information we receive, and how we use, disclose, and protect it, when you visit our website located at https://capitella.com (the "Site").

PLEASE REVIEW THIS PRIVACY POLICY CAREFULLY. When you access or use the Site or contact us through it, you consent to our collection, use, disclosure and retention of your information as described in this Privacy Policy.

1. Information We Collect

The Site does not ask you to create an account or submit forms, and we do not use cookies, browser storage, analytics tools, advertising pixels, or other tracking technologies on the Site. We receive only the following limited information:

• Information You Send Us: If you contact us by email, including through the Site's "Learn more" link, we receive your email address and any information you choose to include in your message.
• Technical Information: Like any website, the Site cannot be delivered without processing your IP address and basic details of your browser's request. Our hosting provider, Amazon Web Services, processes this information to deliver the Site and to block known malicious traffic. We do not keep access logs of visits. For security purposes, a limited sample of recent requests may be briefly retained for review by authorized personnel before it is automatically discarded.

2. How We Use Your Information

We use the information we receive for the following purposes:

• To respond to your inquiries and communicate with you about Capitella.
• To provide, maintain, and secure our Site.
• As we believe to be necessary or appropriate: (i) under applicable law; (ii) to comply with legal and regulatory processes; (iii) to respond to requests from public and government authorities; (iv) to enforce this Privacy Policy; (v) to protect our operations; (vi) to protect our rights, privacy, safety or property, and/or that of you or others; and (vii) to allow us to pursue available remedies or limit the damages that we may sustain.
• To enhance security, prevent and detect fraud or illegal activities, and maintain service integrity.
• For record-keeping, audit, and backup purposes in connection with our communications.

We keep emails you send us for as long as needed to respond to you and for our business records.

3. Sharing of Information

We may share your information in the following situations:

• Service Providers: We disclose information to service providers that perform functions for us, such as Amazon Web Services, which hosts and secures the Site, and Google Workspace, which provides our email.
• Legal Obligations: We may disclose information if required by law, regulation, or legal process, such as to respond to a subpoena, binding order of a data protection agency, or governmental request. We may also share information as needed to enforce our rights, protect our property, or protect the rights, property, or safety of others, or as needed to support external auditing, compliance and corporate governance functions. We may further share information as required to pursue available remedies or limit damages we may sustain.
• Business Transfers: In the event of a corporate transaction, such as a merger, acquisition, divestiture, consolidation, sale of assets or in the unlikely event of bankruptcy, your information may be transferred as part of that transaction.

We do not sell your personal information, and we do not share it with third parties for those third parties' direct marketing purposes.

4. Your Choices and Rights

• Access, Correction, and Deletion: You may ask us to review, correct, or delete the information you have sent us by contacting us at mobin@capitella.com.
• Communications: You may ask us to stop contacting you at any time by replying to our email or contacting us at mobin@capitella.com.
• Cookies: Because the Site does not use cookies, there are no cookie settings to manage.

5. Do Not Track and Global Privacy Control

Do Not Track and Global Privacy Control are privacy preferences that you can set in your web browser to indicate that you do not want your information tracked, sold, or shared. The Site does not track visitors over time or across third-party websites, and we do not sell or share personal information, so the Site does not change its behavior in response to these signals. We do not permit third parties to track visitors on the Site. For details, including how to turn on Do Not Track, visit www.donottrack.us.

6. Children

Our Site is not directed to or designed to attract children under the age of 13. We do not knowingly collect or maintain personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information. If you believe we may have collected information from a child under 13, please contact us at mobin@capitella.com.

7. Data Security

We implement reasonable security measures to protect your information from unauthorized access, use, or disclosure. However, no method of data transmission over the internet is completely secure.

8. Third-Party Links and LendKoi

Our Site may contain links to third-party websites and online services. Any access to and use of such third-party websites or online services is not governed by this Privacy Policy, but is instead governed by the privacy policies of those third-party websites or online services. We are not responsible for the privacy practices of such third-party websites or online services.

The Site also links to LendKoi, our live personal loan product at https://www.lendkoi.com. If you apply for credit or use LendKoi's services, your information is handled under the LendKoi Privacy Policy, available at https://www.lendkoi.com/privacy-policy, and any other notices provided there, not this Privacy Policy.

9. Nevada Residents

Under Nevada law, we do not sell your personal information. However, if you are a Nevada resident, you may submit a request that we not sell any personal information we have collected about you by contacting us at mobin@capitella.com.

10. Changes to This Policy

The effective date of this Privacy Policy is set forth at the top of this page. We may update this Privacy Policy from time to time. Any changes will be posted to this page on our Site with a revised effective date. If we begin using cookies, browser storage, analytics, or other tracking technologies on the Site, we will update this Privacy Policy before doing so. Accordingly, please refer back to this page frequently as it may change.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

By using our Site, you acknowledge that you have read and understood this Privacy Policy.