Privacy Policy

1.About GKAI Capital

GKAI Capital provides financing brokerage, preliminary qualification, transaction evaluation, capital-alignment assistance, and related coordination services for real estate and business financing opportunities.

GKAI Capital is not a direct lender. We may evaluate financing requests, organize transaction information, and identify potential financing paths through independent capital providers and available capital lines.

All financing remains subject to the applicable capital provider's eligibility requirements, due diligence, underwriting, documentation, and final approval.

GKAI Capital also operates or develops professional partner resources, financing education, referral tools, and technology-assisted services designed to support the identification, organization, and evaluation of financing opportunities.

2.Information We Collect

The information we collect depends on how you interact with GKAI Capital and which services you request.

A. Personal and Contact Information

We may collect:

• First and last name
• Email address
• Telephone number
• Mailing or business address
• Company or organization name
• Professional title or occupation
• Preferred communication methods
• Information voluntarily provided through forms, telephone calls, email, text messages, or other communications

B. Financing and Transaction Information

When you inquire about financing or submit a financing opportunity, we may collect:

• Requested financing amount and intended use of funds
• Purchase, refinance, construction, renovation, or other transaction details
• Property addresses, property types, and collateral information
• Ownership and borrowing-entity information
• Business descriptions and operational information
• Income, revenue, expenses, assets, liabilities, and existing debt information
• Credit-related information when voluntarily supplied or lawfully obtained with appropriate authorization
• Financial statements, bank statements, tax records, and supporting documents
• Transaction timelines, financing objectives, and other relevant circumstances
• Prior financing outcomes and information about existing financing arrangements

We request information relevant to evaluating or coordinating a potential financing opportunity. Additional information may be required by an independent capital provider.

C. Partner Network and Professional Information

When you apply to become a GKAI Capital partner or participate in our professional referral network, we may collect:

• Professional and business contact information
• Company affiliation and professional category
• Business background and relevant experience
• Referral relationship information
• Partner application and approval status
• Partner Portal account information
• Educational resource and portal usage activity
• Referral submissions and related transaction records
• Communications with GKAI personnel and authorized systems

D. Website and Technical Information

When you visit our website or access our online services, we may automatically collect certain technical information, including:

• Internet Protocol (IP) address
• Browser type and version
• Device type and operating system
• Pages visited and website interactions
• Referral sources and approximate geographic information derived from technical data
• Session information, timestamps, and access logs
• Cookie identifiers and similar technical information

E. Communications and Messaging Records

We may maintain records of communications with GKAI Capital, including:

• Email correspondence
• Telephone and SMS communication records
• Appointment and inquiry history
• Customer service interactions
• Communication preferences
• SMS opt-in and opt-out records
• Consent timestamps, sources, and related compliance records

Telephone calls may be recorded where permitted by law and subject to any required notice or consent.

3.How We Use Information

GKAI Capital may use collected information to:

• Receive, review, and respond to financing inquiries
• Conduct preliminary qualification and transaction evaluation
• Assess financing objectives, collateral, transaction structures, and potential capital requirements
• Identify possible financing paths and available capital lines
• Communicate with prospective borrowers, applicants, business owners, and authorized representatives
• Coordinate financing requests with independent capital providers
• Request and organize supporting transaction documentation
• Facilitate communications among authorized transaction participants
• Process professional partner applications
• Establish and administer Partner Portal accounts
• Provide financing education, reference materials, and professional resources
• Manage referral relationships and related operational records
• Provide appointment reminders, transaction updates, and service-related notifications
• Deliver educational or promotional communications when permitted by law and supported by any required consent
• Improve our website, intake processes, technology systems, and service experience
• Maintain security, prevent fraud, investigate misuse, and protect our operations
• Fulfill applicable legal, regulatory, recordkeeping, and compliance obligations

We may also use aggregated or de-identified information for internal analysis and operational improvement, provided it is handled in accordance with applicable law.

4.Financing Evaluation and Information Sharing

GKAI Capital operates as a financing intermediary and capital-alignment service.

To evaluate or coordinate a financing opportunity, we may need to disclose relevant information to independent capital providers and other authorized transaction participants.

Depending on the transaction and applicable legal requirements, information may be shared with:

• Independent banks, private capital providers, financing companies, and other potential funding sources
• Underwriting, processing, servicing, and transaction-support professionals
• Appraisers, title companies, settlement professionals, and other transaction participants
• Attorneys, accountants, consultants, and professional advisors involved in an authorized transaction
• Technology and administrative service providers supporting our operations

Information sharing is limited to purposes reasonably related to the requested services, authorized transaction activities, and applicable legal requirements.

Where consent or authorization is legally required, GKAI Capital will seek that authorization before the relevant disclosure or activity.

Submitting a financing inquiry does not guarantee that financing will be available, that a particular capital provider will review the request, or that any financing transaction will be approved.

Independent capital providers may maintain their own privacy policies and information-handling practices.

5.Partner Network and Partner Portal

GKAI Capital may provide approved professional partners with access to a secure Partner Portal containing financing education, reference materials, referral resources, communication tools, and other authorized features.

We may use partner information to:

• Review and administer partner applications
• Verify professional and business information
• Create and manage authorized portal access
• Deliver educational resources and related services
• Track partner-submitted financing opportunities
• Coordinate referrals and related communications
• Maintain partner relationship and operational records
• Protect the security and integrity of partner accounts

Partners are responsible for submitting information they are authorized to provide.

When referring a borrower, business owner, or financing opportunity, a partner should obtain any required permissions and provide applicable privacy notices before disclosing another person's confidential or financial information.

Partner access does not authorize unrestricted access to borrower records, other partners' information, or confidential transaction data.

GKAI Capital may restrict or terminate portal access to protect confidential information, comply with legal requirements, or enforce applicable agreements.

6.Technology-Assisted Services and Artificial Intelligence

GKAI Capital may use automation, analytical technologies, and artificial intelligence-assisted systems to support selected business processes.

These technologies may assist with:

• Organizing information submitted through financing inquiries
• Identifying missing or incomplete documentation
• Categorizing transaction characteristics
• Supporting preliminary financing analysis
• Providing educational explanations and reference information
• Assisting with internal workflows and communications
• Supporting authorized partner resources and informational tools

Technology-assisted outputs may be incomplete, inaccurate, or unsuitable for a particular transaction and may require independent verification.

GKAI Capital does not represent that automated systems independently guarantee financing eligibility, credit approval, or final underwriting decisions.

GKAI personnel may review information and exercise professional judgment in connection with preliminary qualification and financing coordination. Independent capital providers retain responsibility for their own underwriting and approval decisions.

Where third-party technology providers process information on our behalf, we seek to apply appropriate contractual, operational, and security safeguards consistent with the information involved and applicable law.

Users should not submit sensitive financial documents or confidential personal information into general educational chat tools unless the tool is expressly designated and authorized for that purpose.

If GKAI Capital introduces additional AI-assisted features or materially changes how personal information is processed, this policy may be updated accordingly.

7.SMS Messaging and Consent

GKAI Capital may offer SMS communications relating to financing inquiries, appointments, service updates, partner communications, and other authorized business activities.

Providing a telephone number does not, by itself, constitute consent to receive automated marketing text messages.

Where required, GKAI Capital obtains consent through an appropriate opt-in process, such as a designated website form, electronic consent mechanism, or other legally recognized method.

Depending on the consent provided, messages may include:

• Inquiry acknowledgments
• Appointment confirmations and reminders
• Requests for additional information
• Financing inquiry and transaction status updates
• Partner-related service communications
• Educational or promotional messages where separately authorized

Message frequency varies according to the services requested and the applicable messaging program.

Opt-Out: You may opt out of SMS communications by replying STOP to a message. We will honor applicable opt-out requirements and may send a confirmation of your request.

Help: Reply HELP to a message or contact GKAI Capital at (800) 577-8957 or [email protected].

Message and data rates may apply. Mobile carriers are not responsible for delayed or undelivered messages.

Consent to receive promotional SMS communications is not a condition of obtaining financing assistance, purchasing services, or participating in the Partner Network.

GKAI Capital does not sell or share SMS opt-in consent information or associated mobile telephone numbers with third parties or affiliates for their own marketing or promotional purposes.

We may share information with messaging service providers acting on our behalf to deliver authorized communications, maintain consent records, and support compliance.

We may retain opt-in, opt-out, and related messaging records as reasonably necessary for operational, legal, and compliance purposes.

8.Email Communications

GKAI Capital may send emails relating to inquiries, financing coordination, partner applications, account administration, educational resources, and service updates.

We may also send promotional or educational communications where permitted by applicable law.

Recipients of marketing emails may unsubscribe using the instructions included in those messages or by contacting GKAI Capital directly.

Unsubscribing from marketing communications does not necessarily prevent transactional, account-related, security, or other nonpromotional communications that are necessary to provide requested services or satisfy legal obligations.

9.Cookies, Analytics, and Website Technologies

GKAI Capital may use cookies, analytics tools, and similar technologies to operate and improve our website and online services.

These technologies may support:

• Essential website functionality
• Website security and fraud prevention
• Session management and portal authentication
• Website performance monitoring
• Visitor traffic and usage analysis
• Form functionality and workflow management
• User experience improvements
• Advertising measurement or other marketing functions, where implemented and permitted by law

Some cookies or tracking technologies may be operated by third-party service providers.

You may manage certain cookie preferences through your browser settings or any consent controls made available on our website.

Disabling cookies may affect website functionality, including access to certain portal or account features.

Where applicable law requires consent or an opportunity to opt out of particular tracking activities, GKAI Capital will provide the relevant controls.

10.Service Providers and Other Disclosures

GKAI Capital may engage third-party service providers to assist with business operations, including:

• Website hosting and infrastructure
• Customer relationship management systems
• Form processing and workflow automation
• Email and SMS communications
• Partner Portal administration
• Document management and electronic signatures
• Analytics and security services
• Technology-assisted processing
• Payment processing, where applicable
• Professional, legal, accounting, and administrative services

These providers may receive information reasonably necessary to perform services on our behalf, subject to applicable contractual protections and legal requirements.

We may also disclose information when reasonably necessary to:

• Comply with applicable laws, regulations, subpoenas, or lawful requests
• Respond to legal proceedings
• Detect, prevent, or investigate fraud or security incidents
• Protect the rights, property, or safety of GKAI Capital and others
• Enforce applicable agreements
• Facilitate a merger, acquisition, restructuring, financing, or transfer of business assets, subject to applicable law

GKAI Capital does not sell personal information to independent third parties for their own marketing purposes.

We do not disclose SMS consent records or mobile opt-in information for third-party marketing.

Certain privacy laws define “sale” or “sharing” more broadly than ordinary commercial usage, including some advertising-related disclosures. Where applicable, we will provide any legally required notices, choices, or opt-out mechanisms.

11.Information Security

GKAI Capital uses commercially reasonable administrative, technical, and organizational safeguards designed to protect personal and business information against unauthorized access, disclosure, alteration, misuse, or destruction.

Depending on the systems and information involved, safeguards may include access restrictions, authentication controls, service-provider security measures, and internal information-handling procedures.

Access to confidential information is intended to be limited to authorized individuals and service providers with a legitimate business need.

However, no website, electronic communication system, or method of data storage is completely secure.

GKAI Capital cannot guarantee absolute security and encourages users to exercise caution when transmitting sensitive information electronically.

Users should avoid sending highly sensitive financial information through unsecured email or general-purpose messaging channels when a designated secure submission method is available.

12.Data Retention

GKAI Capital retains information for periods reasonably necessary to fulfill the purposes described in this policy and satisfy applicable legal, regulatory, contractual, operational, accounting, and security requirements.

Retention periods may vary depending on:

• The type and sensitivity of information
• The nature of the financing inquiry or transaction
• Whether an application or referral remains active
• Partner account status and relationship history
• Applicable recordkeeping obligations
• Consent and communication compliance requirements
• Dispute resolution, fraud prevention, and security considerations

When information is no longer required, we may delete, anonymize, or otherwise securely dispose of it in accordance with applicable requirements and our operational procedures.

Certain records may be retained after a financing inquiry is closed, a partner relationship ends, or a deletion request is submitted where continued retention is legally required or otherwise permitted.

13.Privacy Rights and Choices

Depending on your state of residence and applicable law, you may have rights concerning personal information maintained by GKAI Capital.

These rights may include the ability to:

• Request information about personal data we collect and process
• Request access to certain personal information
• Request correction of inaccurate information
• Request deletion of eligible personal information
• Withdraw consent where processing is based on consent
• Opt out of certain marketing communications
• Exercise applicable rights relating to the sale, sharing, or use of personal information
• Appeal certain privacy request decisions where applicable law provides that right

These rights are subject to applicable exceptions, identity verification, and legal requirements.

To submit a privacy request, contact [email protected] with the subject line “Privacy Request.”

We may request reasonable information to verify your identity or authority before fulfilling a request.

GKAI Capital will not unlawfully discriminate against individuals for exercising applicable privacy rights.

14.Financial and Sensitive Information

Financing inquiries may involve confidential business records, personal financial information, credit-related information, and other sensitive documentation.

GKAI Capital uses this information for legitimate financing-related purposes, including preliminary qualification, transaction evaluation, documentation, and authorized coordination with potential capital providers.

We do not request that users provide unnecessary sensitive information through general website contact forms.

Where additional financial documentation is required, users may be directed to an appropriate submission process.

Credit reports, consumer reports, or other regulated financial information will be requested or obtained only where GKAI Capital has a permissible purpose and any required authorization.

Certain financial information may be subject to additional protections under applicable federal or state laws. Where those requirements apply, they govern in addition to this Privacy Policy.

15.Third-Party Websites and Independent Services

Our website, communications, and Partner Portal may contain links to external websites or services, including independent capital providers, technology platforms, educational resources, and transaction-support services.

GKAI Capital does not control the privacy or security practices of independently operated third-party websites.

When you leave a GKAI-controlled environment or interact directly with an independent provider, that provider's terms and privacy practices may apply.

We encourage users to review the relevant policies before submitting personal or financial information to external services.

16.Children's Privacy

GKAI Capital's website and services are intended for adults and business professionals.

Our services are not directed to children under 13, and we do not knowingly collect personal information directly from children under 13.

If we learn that such information has been collected without appropriate authorization, we will take reasonable steps to address it in accordance with applicable law.

17.Changes to This Privacy Policy

GKAI Capital may revise this Privacy Policy to reflect changes in our services, business operations, technology, legal obligations, or information-handling practices.

When changes are made, we will update the “Last Updated” date at the beginning of this policy.

If a change requires additional notice or consent under applicable law, we will provide that notice or obtain that consent as required.

The current version of this Privacy Policy will be available through our website.

18.Contact GKAI Capital

For questions about this Privacy Policy, requests involving personal information, or concerns regarding our information-handling practices, contact: