Privacy Policy

Effective Date: June 24, 2026 | Last Updated: June 24,2026

Clear Tides Capital LLC (“Clear Tides Capital,” “Company,” “we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information obtained through our website at cleartidescapital.com (the “Site”) and in connection with our credit repair, business funding, and financial consulting services (collectively, the “Services”).

By accessing or using our Site or Services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with its terms, please do not use our Site or Services.

1. INFORMATION WE COLLECT

1.1 Information You Provide Directly

We collect information you voluntarily provide when you:

Submit a contact form, request a consultation, or book an appointment
Apply for credit repair services or business funding
Communicate with us by phone, email, or chat
Create an account or client profile

This information may include your full name, mailing and email address, phone number, date of birth, Social Security Number (SSN), business name and EIN, credit report details, bank statements, business financial records, and any other information necessary to deliver our Services.

1.2 Information Collected Automatically

When you visit our Site, we and our service providers may automatically collect:

IP address, browser type, and operating system
Pages visited, time on site, and referring URLs
Device identifiers and cookie data
Geographic location (city/state level)

1.3 Information from Third Parties

With your authorization, we may receive information from:

Credit bureaus (Equifax, Experian, TransUnion) — to review and dispute inaccurate or unverifiable items on your credit report
Lenders and financial institutions — in connection with funding applications
Identity verification providers
Marketing and analytics partners

2. HOW WE USE YOUR INFORMATION

We use collected information for the following purposes:

Delivering credit repair, score optimization, business funding, and financial consulting services
Reviewing, disputing, and monitoring items on your credit report pursuant to your written authorization and the Fair Credit Reporting Act (FCRA)
Processing funding and loan applications on your behalf
Communicating with you about your account, service progress, and appointment scheduling
Sending promotional communications (you may opt out at any time)
Improving our Site, services, and internal operations
Complying with applicable federal and state laws, including the FCRA, Credit Repair Organizations Act (CROA), and applicable consumer protection statutes
Detecting and preventing fraud, unauthorized access, and other illegal activity
Enforcing our agreements and protecting our legal rights

3. LEGAL BASIS FOR PROCESSING

We process your personal information on the following legal bases:

Your explicit consent — including your written authorization required before we access or dispute items on your credit file
Performance of a contract — to deliver the Services you have engaged us to provide
Legal obligation — to comply with the FCRA, CROA, and other applicable law
Legitimate interests — to operate, improve, and protect our business, provided those interests do not override your rights

4. HOW WE SHARE YOUR INFORMATION

4.1 Service Providers

We share information with vetted third-party vendors who assist us in delivering our Services, including CRM platforms, scheduling software, document management, payment processors, and IT infrastructure providers. These parties are contractually obligated to use your data only for the purposes we specify and to maintain appropriate security.

4.2 Credit Bureaus and Furnishers

With your written authorization, we submit dispute letters and supporting documentation to Equifax, Experian, and TransUnion, as well as to original creditors, collection agencies, and other data furnishers, as permitted under the FCRA.

4.3 Lending Partners

For business funding services, we may share your application and supporting financial information with lenders, alternative financing companies, and SBA-approved lenders to evaluate your eligibility.

4.4 Legal and Regulatory Disclosures

We may disclose information when required by law, subpoena, court order, or government demand, or when we believe disclosure is necessary to protect the rights, property, or safety of Clear Tides Capital, our clients, or the public.

4.5 Business Transfers

In connection with a merger, acquisition, sale of assets, or reorganization, your information may be transferred to a successor entity, subject to the same protections described in this Privacy Policy.

5. FAIR CREDIT REPORTING ACT (FCRA) DISCLOSURES

Clear Tides Capital operates in compliance with the FCRA, 15 U.S.C. § 1681 et seq. Our in-house legal team oversees all dispute activity to ensure compliance with applicable requirements. Specifically:

We will not access your credit reports without your express written authorization.
We will provide you with a copy of your rights under the FCRA before you sign any service agreement.
We will not make any false or misleading representations to credit bureaus or furnishers.
All dispute communications are based on a good-faith review of your credit file.

Nothing in our Services or this Privacy Policy should be construed as legal advice. The FCRA entitles consumers to dispute inaccurate, incomplete, or unverifiable information in their credit files directly with the credit reporting agencies at no charge.

6. CREDIT REPAIR ORGANIZATIONS ACT (CROA) NOTICE

Clear Tides Capital complies with the Credit Repair Organizations Act, 15 U.S.C. §§ 1679-1679j. Under the CROA:

You have the right to cancel any contract with a credit repair organization within three (3) business days of signing without penalty or obligation.
We may not charge or receive payment for services until those services have been fully performed.
We may not make any untrue or misleading representations about our services or your creditworthiness.
You have the right to sue a credit repair organization that violates the CROA.

7. DATA SECURITY

We implement administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These include:

Encryption of data in transit (TLS/SSL) and at rest
Access controls limiting data access to authorized personnel with a need to know
Regular security assessments and vulnerability monitoring
Employee training on data privacy and security

No method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security. You provide information at your own risk.

8. DATA RETENTION

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to provide our Services, to comply with applicable legal and regulatory obligations (including the FCRA’s record-keeping requirements), to resolve disputes, and to enforce our agreements. When information is no longer required, we securely delete or anonymize it.

9. YOUR RIGHTS AND CHOICES

Depending on your state of residence, you may have the following rights with respect to your personal information:

Access: Request a copy of the personal information we hold about you.
Correction: Request correction of inaccurate or incomplete information.
Deletion: Request deletion of your personal information, subject to our legal retention obligations.
Opt-Out of Marketing: Unsubscribe from promotional emails at any time by clicking “unsubscribe” in any marketing message or contacting us directly.
Withdraw Consent: Withdraw any consent previously given, including authorization to access your credit file, without affecting the lawfulness of processing prior to withdrawal.

To exercise any of these rights, please contact us using the information in Section 13. We will respond to verified requests within the timeframe required by applicable law. We will not discriminate against you for exercising your rights.

10. YOUR RIGHTS AND CHOICES

If you are a California resident, the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA) provides you with additional rights, including the right to know, the right to delete, the right to correct, the right to opt-out of sale or sharing, and the right to limit use of sensitive personal information.

We do not sell or share (as defined by the CCPA/CPRA) your personal information for cross-context behavioral advertising. To submit a CCPA/CPRA request, please contact us at the information listed in Section 13.

11. COOKIES AND TRACKING TECHNOLOGIES

Our Site uses cookies and similar tracking technologies to improve user experience, analyze traffic, and support marketing. You can control cookie settings through your browser. Note that disabling certain cookies may affect Site functionality. We may use:

Strictly necessary cookies — required for the Site to function
Analytics cookies — to understand how visitors use our Site (e.g., Google Analytics)
Marketing cookies — to deliver relevant content and track campaign effectiveness

We do not knowingly use tracking technologies in a manner that would violate applicable privacy law.

12. COOKIES AND TRACKING TECHNOLOGIES

Our Site and Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a child, please contact us immediately so we can delete it.

13. CONTACT US

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

Email: ian@cleartidescapital.com

Website: cleartidescapital.com

14. 0% BUSINESS CREDIT & BUSINESS FUNDING DISCLOSURES

Clear Tides Capital offers business funding solutions including 0% introductory business credit programs, Merchant Cash Advances (MCAs), working capital loans, revolving lines of credit, and SBA loans. The following disclosures apply to all business funding services.

14.1 0% Business Credit Program

Our 0% business credit program is designed to help qualifying businesses access unsecured revolving credit at 0% introductory Annual Percentage Rates (APR). Important disclosures:

0% APR offers are introductory and subject to the terms and conditions of each issuing lender or card network. Rates will increase upon expiration of the promotional period as disclosed in your cardholder agreement.
Approval, credit limits, and promotional terms are determined solely by the issuing lender based on your business credit profile, personal guarantor credit, time in business, and other underwriting factors. Clear Tides Capital does not guarantee approval or any specific credit limit.
Clear Tides Capital serves as a consultant and facilitator. We do not issue credit, set interest rates, or make final lending decisions.
You are responsible for reviewing all cardholder agreements, terms, and disclosures provided by each issuing lender before accepting any credit offer.
Misuse of business credit accounts — including using business credit for personal expenses — may have legal, tax, and credit consequences. Consult a qualified financial or legal advisor regarding proper use.
The information you provide during the application process must be accurate and complete. Providing false or misleading information on a credit application is a federal offense.

14.2 Business Funding — General Disclosures

For all business funding products, including MCAs, working capital loans, and revolving lines of credit:

All funding products are subject to lender underwriting, approval, and execution of applicable loan or financing agreements. Consultation with Clear Tides Capital does not constitute a loan commitment or guarantee of funding.
Business funding products may require a personal guarantee. By providing personal financial information during the application process, you authorize Clear Tides Capital and its lending partners to access and evaluate your personal and business credit profiles.
Merchant Cash Advances (MCAs) are not loans. They represent the purchase of a portion of your future business receivables and are generally not subject to state usury laws. Factor rates, holdback percentages, and total costs should be carefully reviewed before executing any MCA agreement.
Annual Percentage Rates (APRs), factor rates, fees, repayment terms, and total cost of capital vary by product, lender, and applicant profile. Clear Tides Capital will provide you with written disclosure of key terms prior to your execution of any funding agreement.
SBA loan programs are subject to U.S. Small Business Administration eligibility requirements, lender approval, and applicable federal regulations. Clear Tides Capital does not represent or act on behalf of the SBA.
Clear Tides Capital may receive compensation from lending partners in connection with funding placements. This compensation does not affect the integrity of our recommendations, and we will disclose any material conflicts of interest upon request.

14.3 Credit Repair as a Prerequisite to Funding

Where a prospective client’s credit profile does not meet the minimum thresholds required for business funding programs — including 0% business credit — Clear Tides Capital may recommend credit repair services as a preparatory step. The following disclosures apply:

Credit repair services and business funding services are separate offerings with separate service agreements and fee structures.
Engagement in credit repair does not guarantee subsequent qualification for any business funding product. Creditworthiness is determined by lenders at the time of application based on then-current credit profiles and underwriting criteria.
We will not represent that credit repair will result in a specific credit score increase, a guaranteed approval for funding, or any other specific outcome. Results vary based on the information in your credit file and the responses of creditors and credit bureaus.
Under the CROA, you have the right to perform credit repair activities yourself at no cost by contacting the credit reporting agencies and data furnishers directly.

14.4 No Guarantee of Results

CLEAR TIDES CAPITAL MAKES NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, THAT ANY SPECIFIC CREDIT SCORE IMPROVEMENT, LOAN APPROVAL, FUNDING AMOUNT, OR BUSINESS OUTCOME WILL RESULT FROM USE OF OUR SERVICES. ALL PROJECTIONS AND ESTIMATES ARE FOR ILLUSTRATIVE PURPOSES ONLY AND ARE NOT GUARANTEES OF PERFORMANCE.

14.5 State Licensing

Credit repair and business lending laws vary by state. Clear Tides Capital operates in compliance with applicable federal law, including the CROA and FCRA, and applicable state credit services organization and lending statutes. To the extent any state-specific disclosure or registration is required in your state of residence, we will provide such disclosures in connection with your service agreement.

15. CHANGES TO THIS PRIVACY POLICY

We reserve the right to update this Privacy Policy at any time. Material changes will be posted on this page with a revised Effective Date. Your continued use of the Site or Services after any changes constitutes your acceptance of the updated Policy. We encourage you to review this Policy periodically.