Effective Date:

March 18, 2026

At PA Capitol Lending, we respect and value your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or engage with us in other ways. Please read this policy carefully to understand our views and practices regarding your personal data and how we will treat it.

HOTGEAR LLC is the parent company of PA Capitol Lending. PA Capitol Lending operates as a subsidiary of HOTGEAR LLC and may also conduct business under the name PA Capital Lending.

1. Information We Collect

We collect several types of information, including:

Personal Identification Information: Name, email address, phone number, and other similar contact data.

Technical Information: IP address, browser type, operating system, and browsing habits through cookies and similar technologies.

Usage Data: Information about how you interact with our website, such as pages visited, time spent, and features used.

Transaction Information: If you make purchases or enter into financial transactions with us, we collect your payment details and related transaction information.

2. How We Use Your Information

We may use the information we collect for the following purposes:

To provide and maintain our services.

To improve user experience and website functionality.

To process transactions and fulfill orders.

To communicate with you regarding updates, promotions, or other information relevant to your engagement with us.

To comply with legal obligations.

3. Information Sharing and Disclosure

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Legal Obligations: We may disclose your information when required by law in response to subpoenas, court orders, or legal processes.

4. Data Security

We are committed to protecting your personal information. We use industry-standard security measures to safeguard your data from unauthorized access, alteration, or destruction. However, no data transmission over the internet can be guaranteed as 100% secure, and we cannot ensure or warrant the security of any information you transmit to us.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies help us remember your preferences, improve site performance, and analyze user behavior. You may choose to disable cookies in your browser settings, but doing so may affect certain functionalities of our site.

6. Your Rights

Depending on your location, you may have certain rights regarding your personal data, including:

The right to access, correct, or delete your personal information.

The right to object to or restrict the processing of your data.

The right to withdraw consent for data processing where consent is the legal basis.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

8. Contact Us

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

[email protected]