top of page

Privacy Policy

Manuia Capital – Privacy Policy

Effective Date: October 23, 2025

 

1. Scope of This Policy

This Privacy Policy applies to Manuia Capital LLC (“Manuia Capital,” “we,” “us,” or “our”) and governs information collected through:

  • Manuia.capital, manuiacapital.com  and related subdomains.

  • Forms hosted on forms.zoho.com, e-signature portals on sign.zoho.com, and other Zoho-powered tools.

  • Services and applications associated with our Funding Machine SaaS and My Figures platforms.

Our Services are intended for U.S. users only. If you access them from outside the United States, you consent to your data being transferred and processed in the U.S.

 

2. Our Business Model

Manuia Capital:

  • Business funding consulting and processing

  • Software licensing (Funding Machine SaaS)

  • Affiliate and referral partnerships with CardRatings/QuinStreet, MoneyLion, Finmkt, NAC, CreditLand, IPRoyal, Oxylabs, and LeadBuilt.com

We do not directly lend, resell leads, or act as a broker of record.

3. Information We Collect

3.1 Personal Information

  • Name, email address, phone number, and mailing address

  • Date of birth, SSN/EIN, and government-issued identification

  • Bank statements, income data, tax documents, or credit reports

  • Business formation documents and ownership information

  • Application data, underwriting notes, and transaction records

  • Call recordings, chat transcripts, and email communications

  • Device and usage data (IP address, browser, OS, geolocation, cookies)

 

3.2 Non-Personal Information

We also collect non-identifiable information (browser type, referrer URLs, session duration) via cookies and analytics tools to improve our websites and ads.

 

4. Sources of Information

  • Directly from you via applications, forms, and calls

  • Automatically through cookies, pixels, and analytics tools

  • From authorized third parties, including:

    • Credit Bureau: Experian (FICO 8 soft inquiries only)

    • Data Aggregator: MX (read-only access to verify bank data)

    • Payment Processors: Stripe and NMI

    • Marketing & Analytics Providers: Google, Meta, Microsoft, LinkedIn

    • Communication & CRM Vendors: Zoho, Intercom, Mailchimp, LeadBuilt (Go High Level)

 

5. Linked Platforms and Account Creation

When you apply for funding through manuiacapital.com, we automatically create a free basic My Figures account for you.

  • Your basic account provides dashboards and tools to monitor business and personal credit health.

  • Your information (name, contact details, and relevant financial data) is securely transferred to My Figures for account setup.

  • Manuia Capital is operated by Manuia Consulting LLC under the same ownership and control, and your data remains subject to this Privacy Policy.

  • You can request deletion of your My Figures account anytime by emailing info@manuiacapital.com 

5A. Partner Portal and Affiliate Dashboard

Manuia Capital operates a secure Partner Portal, which enables approved affiliates and referral partners to track their referred clients and commissions.

When a partner signs up, they receive a personalized referral link and access to a dashboard displaying limited client data related to their referrals, including:

  • Client name, email, and phone number

  • Application and underwriting status based on 7 Figures Funding’s internal assessment

  • Estimated leverage and utilization percentage

  • Appointment scheduling information

  • Amounts paid by the client and total funding obtained

This information is shared solely to enable accurate referral tracking, commission calculation, and transparency for partners. All partners are required to maintain the confidentiality of any client information accessed through the portal, and may not copy, download, or reuse this information for any other purpose.

Access to the Partner Portal is protected by individual logins, OTP authentication, and activity logging consistent with our security standards. Data displayed within the portal is covered by this Privacy Policy and subject to the same data-protection measures described herein.

Partner payments are processed through Everee, a third-party payroll and payments provider. When partners onboard, Everee may collect payment and tax information (e.g., name, address, and W-9 data) directly to facilitate commission payments. Everee’s use of this information is governed by its own privacy policy. All partners agree, under the 7 Figures Partner Terms of Service, to maintain the confidentiality of any client or financial information viewed within the Partner Portal and to use such information solely for authorized referral tracking and commission purposes. Unauthorized disclosure or secondary use of client data is strictly prohibited.

 

6. How We Use Information

  • Deliver consulting, SaaS, and credit-education services

  • Process and evaluate funding applications

  • Communicate via email, SMS, or calls

  • Improve our systems, underwriting, and customer experience

  • Manage affiliate tracking and commissions

  • Meet legal, security, and fraud-prevention obligations

We do not sell personal information. Certain tracking used for advertising and affiliate attribution may qualify as a “sale” or “share” under state law (see Section 14).

 

7. AI and Machine Learning

Manuia Capital uses AI tools, including Anthropic’s Claude, to analyze underwriting data and identify patterns that improve internal decision rules. Data used in these models is limited and de-identified where feasible. Vendors are not permitted to reuse or train their general models on our data.

 

8. Communications and Recordings

  • Calls: We use Dialpad to record calls for compliance and training. Recordings are retained for up to three (3) years and may be deleted sooner upon request.

  • Chat: Our website chat is powered by Intercom, with transcripts stored for up to 24 months for service quality.

  • Email/SMS: Communications are sent via Zoho Campaigns, Mailchimp, Dialpad, and LeadBuilt. Messages may include transactional updates and limited marketing. Reply STOP to opt out of texts or use unsubscribe links in emails.

 

9. Security and Safeguards

  • Encryption at rest and in transit

  • SMS-based one-time-passcode (OTP) login for all users

  • 90-day forced password resets

  • Role-based access and audit logs within Zoho CRM

  • Disaster-recovery backups and vendor SOC 2 / ISO 27001 compliance

Data is primarily stored in Zoho and LeadBuilt (Go High Level) environments, both of which maintain certified security frameworks.

 

10. Data Retention

  • Tax / contract / ledger records – 7 years

  • SMS consent logs (TCPA) – 4 years

  • Affiliate click IDs – ≤ 24 months

  • Analytics logs – 12–24 months

  • Call recordings (Dialpad) – ≤ 3 years

  • Support tickets / emails – 24 months

Data is deleted or de-identified when no longer needed.

 

11. Third-Party Service Providers

We may share limited data with service providers who perform tasks on our behalf (hosting, analytics, payments, support). These vendors are contractually bound to confidentiality and may not sell or reuse your data.

Our public website is hosted by Wix.com Ltd., which provides site infrastructure and analytics. See the Wix Privacy Policy for details on its practices.

 

12. Affiliate Marketing and Tracking

We partner with affiliate networks (CardRatings/QuinStreet, MoneyLion, Finmkt, NAC, CreditLand, IPRoyal, Oxylabs, LeadBuilt.com). When you click an affiliate link, cookies or click IDs may store metadata for commission tracking. We do not receive your lender application details. You can manage these settings in our Cookie Preferences banner or by enabling Global Privacy Control (GPC) in your browser.

 

13. Advertising and Cookies

  • Site functionality and analytics (Google Analytics, Zoho)

  • Advertising and retargeting (Google, Meta, LinkedIn, Microsoft)

  • Affiliate link attribution

Some advertising cookies may be considered a “sale” or “share” under California law. You can:

 

14. Your Privacy Rights (U.S.)

  • Access your personal data

  • Correct or delete inaccurate data

  • Limit the use of Sensitive Personal Information

  • Opt out of sale / sharing of data

  • No discrimination for exercising these rights

Submit requests via email to info@manuiacapital.com. We may verify identity by matching your email d limited details.

State-Specific Notices

  • California: California residents have full rights under the California Privacy Rights Act (CPRA), including the ability to access, delete, or limit their personal information. We also honor Global Privacy Control (GPC) signals sent from browsers that indicate a user’s choice to opt out of data sharing.

  • Nevada: Residents may email to opt out of sale.

  • Vermont: We restrict sharing with non-affiliates except as permitted by law or with consent.

 

15. GLBA and Financial Data

Certain data collected in connection with our consulting services is subject to the Gramm-Leach-Bliley Act (GLBA) and associated safeguards. Marketing, analytics, and affiliate data remain subject to state privacy laws.

 

16. Data Breach Notification

If a breach involving your personal information occurs, we will notify affected individuals in accordance with applicable U.S. state notification laws and outline steps taken to mitigate risk.

 

17. Children and Minors

Our Services are not directed to individuals under 18 years of age. We do not knowingly collect data from minors; if discovered, such information will be deleted promptly.

 

18. Changes to This Policy

We may update or revise this Privacy Policy from time to time to reflect changes in our business practices, legal requirements, or technology. Any updated version will be posted on this page with a new effective date at the top.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect and use your information. Your continued use of our Services after any changes become effective constitutes your acceptance of the revised Privacy Policy.

 

19. Licensing and Regulatory Information

Manuia Consulting LLC operates as a business-funding consulting company registered in the State of California and maintains all applicable licenses and bonds required to perform its services.

Our physical business address is 4255 EXECUTIVE SQ STE 600LA JOLLA, CA 92037 - 1466

 

20. Contact Us

Manuia Consulting DBA Manuia Capital
Email: info@manuiacapital.com

  • Facebook
  • Twitter
  • LinkedIn
  • Instagram
bottom of page