Old North Capital Fund (“ONCF”, “we,” or “us”) is committed to protecting and respecting your privacy.
Scope of Policy
This policy, together with our General Terms of Service, applies to your use of our website at
https://oncfund.com/ (the “Site”), including, without limitation, all services accessible through the Site.
This policy sets out the basis on which any personal or business data we collect from you, or that you provide to us, will be processed and disclosed by ONCF. Please read the following carefully to understand our collection, use, and disclosure of your information.
Important Disclaimer — Business Purpose Loans Only
ONCF provides financing strictly for business or investment purposes. We do not make consumer-purpose loans for personal, family, or household use. All borrowers must confirm that loan proceeds are intended solely for commercial, investment, or business purposes.
Our Services
ONCF provides private lending and related services for business-purpose loans, including commercial real estate loans, construction financing, and other credit products designed for investment or business use.
We reserve the right, in our sole discretion, to change how we operate and provide our services, including adding new services, modifying existing services, or suspending, discontinuing, or terminating access to any or all portions of our services.
Information We Collect From You
We collect and process the following types of information:
- Communications Disclosure: We may communicate with approved partners, borrowers, brokers, and investors about their business relationship with ONCF (product updates, notices, funding information, etc.) via website messages, phone, email, or SMS. By providing contact information you consent to receive such communications.
- Information You Provide (Submitted Information):
- Business entity details, ownership, and organizational documents
- Financial statements, income, and debt information
- Loan application details
- Identification documents of principals, guarantors, or signatories
- Contact information (address, phone, email)
- Information From Other Sources (Third-Party Information): We may receive information from business partners, contractors, verification providers, analytics services, credit bureaus, fraud prevention agencies, and others. We may perform business credit checks, background checks, and identity verifications — by agreeing to this policy you consent to those verifications. For details on agencies we use, contact us at compliance@oncfund.com.
Technologies We Use for Automatic Data Collection
- Cookies: Browser cookies to enhance functionality and user experience.
- Web Beacons: Small electronic files used to track website usage and email engagement.
Most browsers allow you to control cookie settings; some Site features may not function properly if cookies are disabled.
Uses of Information
We use the collected information to:
- Evaluate loan applications and financial eligibility
- Fulfill transactions and provide requested services
- Maintain compliance with legal and regulatory requirements
- Communicate regarding services, products, or updates
- Protect against fraud, risk, or unauthorized access
- Improve and develop services through analysis and troubleshooting
- Market ONCF’s business-purpose lending services
Third-Party Tracking and Online Advertising
ONCF may use interest-based advertising and third-party providers to deliver targeted ads and measure effectiveness. We may share browsing behavior with these partners via cookies and tracking technologies. Social media integrations (e.g., LinkedIn or Facebook widgets) may collect information subject to their own policies.
Your Choices
- Cookies: Adjust browser settings to block or disable cookies.
- Interest-Based Ads: Opt-out via the Network Advertising Initiative (NAI) or the Digital Advertising Alliance (DAA).
- Marketing Emails: Unsubscribe via the link in any ONCF marketing email.
Disclosure of Your Information
We may disclose your information to:
- Vendors, contractors, and service providers supporting our operations
- Credit agencies and verification services
- Fraud prevention and risk management partners
- Potential investors, buyers, or sellers in connection with a business transaction
- Regulatory authorities or law enforcement, where legally required
- Our affiliates and subsidiaries
- Other parties with your consent
Data Security
We take appropriate safeguards to protect your information. While no online transmission is completely secure, once we receive your data we apply security measures to protect it and dispose of records securely when no longer required.
Control Over Your Information
You may opt out of marketing communications; however, essential notices (e.g., compliance, transaction, or security-related messages) cannot be opted out of.
Your California Privacy Rights
California users may request details on data sharing by emailing compliance@oncfund.com.
Links to Third-Party Websites and Services
Our Site may link to third-party sites not governed by this policy. We are not responsible for their privacy practices.
Transfer of Information
ONCF is based in the U.S., and your information may be processed and stored in the U.S. or other jurisdictions. No mobile information will be sold or shared with third parties for promotional or marketing purposes.
Changes to Privacy Policy
We may update this policy from time to time. Changes will be posted on this page and, where appropriate, notified via email or other communication methods.
Contact
Questions or requests should be sent to our compliance department at
compliance@oncfund.com.