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California Collection Notice

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Effective Date: November 12, 2025
Company Name: ZhyDen
Address: 5555 Glenridge Connector, Suite 200, Atlanta, GA 30342
Phone: (470) 924-2422
Email: privacy@zhyden.com
Website: www.ZhyDen.com

1. Introduction

This California Collection Notice explains how ZhyDen collects, uses, and discloses personal information about California residents as required by the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

This notice applies to personal information collected through our website, funding applications, communications, and business services. It supplements our main Privacy Policy and the Do Not Sell or Share My Personal Information notice.

2. Categories of Personal Information We Collect

Depending on how you interact with ZhyDen, we may collect the following categories of information:

Category Examples Business Purpose for Collection

A. Identifiers Name, address, email, phone number, SSN, EIN To identify and contact you, verify eligibility, and process applications

B. Customer Records Business ownership documents, bank statements, credit history To evaluate funding applications and verify financial standing

C. Commercial Information Funding history, loan balance, merchant transactions To provide and service financial products

D. Internet Activity IP address, browser type, usage data To improve site performance and prevent fraud

E. Geolocation Data Approximate location from IP address For security and analytics purposes

F. Professional or Employment Information Job title, business role To verify business ownership and lending eligibility

G. Inferences Profile data inferred from financial or behavioral information To offer relevant products or services

ZhyDen does not collect biometric data or sensitive health information.

3. Why We Collect This Information

We collect personal information for the following business purposes:

  • To process funding and credit applications
  • To verify your identity and prevent fraud
  • To comply with legal and regulatory requirements
  • To communicate with you about your account or services
  • To improve website performance, analytics, and user experience
  • To market financial products or services (with your consent)

4. How We Use and Disclose Information

ZhyDen may share your information with:

  • Lenders and funding partners to process your application
  • Service providers who assist with underwriting, verification, communications, or analytics
  • Credit bureaus and financial institutions for reporting or verification purposes
  • Regulatory or law enforcement agencies when required by law

We do not sell your personal information for monetary gain. However, under California law, certain data-sharing activities may be considered “sharing” or “selling” for targeted advertising purposes. You may opt out by visiting our Do Not Sell or Share My Personal Information page.

5. Retention of Personal Information

ZhyDen retains personal information only as long as necessary to:

  • Complete the purposes outlined above,
  • Fulfill contractual obligations,
  • Comply with legal and regulatory requirements (generally up to 7 years for financial records).

6. Your Privacy Rights (California Residents)

As a California resident, you have the right to:

  • Know what personal information we collect and how we use it.
  • Access and obtain a copy of your personal information.
  • Delete personal information we’ve collected (with certain legal exceptions).
  • Correct inaccurate information.
  • Opt out of the sale or sharing of your personal information.

Limit the use of sensitive information.To exercise these rights, contact us at privacy@zhyden.com or call (470) 924-2422. We may verify your identity before processing requests.

7. Updates to This Notice

We may update this notice periodically. The “Effective Date” above reflects the most recent version. Continued use of our services after updates indicates acceptance of the new terms.

7. Questions or Concerns

If you have any questions about this notice or your privacy rights, please contact our Privacy Compliance Team:

📧 privacy@zhyden.com
📞 (470) 924-2422
📍 5555 Glenridge Connector, Suite 200, Atlanta, GA 30342

Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the ZhyDen partnerships. Your loan agreement will identify the lender prior to your signing. Loans subject to lender approval.
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ZhyDen® is a Registered Trademark. All rights reserved.

* Same Day Funding is only available in certain states, for term loans up to $100K. Eligibility window is Monday-Friday before 10:30am EST. If checkout is done before 10:30am EST, funds will be available by 5pm local time the same day. If checkout is done after 10:30am EST, or on a weekend or bank holiday, it will not qualify for Same Day Funding and funds will be deposited within 2-3 business days. Eligibility rules around creditworthiness and length of term loan apply.

Eligibility for the lowest rates is very limited, available only to businesses with the strongest creditworthiness and cash flows, and typically businesses that have shown an excellent payment history on prior loan products with ZhyDen. The average rate for term loans is 60.9% APR and the average rate for lines of credit is 52.6% APR. Averages are based on loans originated in the half-year ending March 31, 2023.