Privacy Policy

1. Who We Are

DayOne Private Capital LLC ("DayOne," "we," "us," or "our") is a private real estate lender based in Ohio. We provide short-term bridge loans, fix-and-flip financing, cash-out refinance, and DSCR loans to real estate investors statewide.

We are a private lender, not a bank or depository institution. All of our lending services are for business and investment purposes only.

This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit dayonepc.com or interact with our services. If you have questions about this policy, contact us at loans@dayonepc.com.

2. Information We Collect

Information you provide directly

When you submit a deal, sign up for Investor Insights, or contact us directly, we may collect:

• Contact information: first name, last name, email address, phone number
• Property information: property address, property type
• Financial details: purchase price or current value, loan amount requested, estimated after-repair value (ARV), estimated rehab budget, and a self-reported estimated credit score range
• Deal details: loan purpose, target close date, whether the property is under contract
• Background: number of deals closed in the last two years, how you heard about us
• Free-text notes: any additional information you choose to share
• File uploads: property photos, appraisals, inspection reports, or other documents you attach to your submission
• Email address only: when signing up for our Investor Insights newsletter

Information collected automatically

When you visit our website, we and our third-party analytics and advertising partners automatically collect certain technical and usage information through cookies and similar technologies, including:

• Pages visited, referral sources, and on-site activity
• Approximate location (country and region, not precise location)
• Device type, operating system, and browser
• A randomly generated identifier stored in cookies by some of these tools

We use this information to understand how visitors find and use the site, improve our content, and measure and target our advertising. The specific tools we use, and how to opt out, are described in Section 5 (Cookies and Tracking).

Information we do not collect

We do not collect Social Security numbers, credit card or bank account numbers, or login credentials through this website. The deal form does ask for a self-reported estimated credit score range, but we do not run a hard credit check through this site. DayOne uses a soft credit inquiry only, which does not impact your credit score.

3. How We Use Your Information

We use the information we collect to:

• Review and respond to your deal submission
• Contact you by phone or email about your deal or potential loan
• Send you Investor Insights newsletters (only if you signed up)
• Improve our website based on aggregate traffic patterns
• Prevent fraud and protect the security of our systems
• Comply with legal obligations

We do not use your personal information for automated decision-making or credit scoring through this website.

4. How We Share Your Information

Service providers

We work with a small number of trusted service providers who help us operate this website. Each provider only receives the data necessary to perform their function:

• Supabase (database and file storage): stores your deal submission data, uploaded files, and email subscriber records. Data is encrypted at rest and in transit. Supabase maintains SOC 2 Type 2 compliance. Supabase Privacy Policy
• Resend (email delivery): sends deal notification emails to our team and confirmation emails to newsletter subscribers. Receives email addresses and email content only. Resend Privacy Policy
• Vercel (website hosting and analytics): hosts this website and provides anonymous, cookie-free traffic analytics. Analytics data is aggregated and cannot identify individuals. Vercel Privacy Policy
• Google (analytics and advertising): we use Google Analytics 4 to measure site usage and Google Ads to measure and target our advertising. Google may set cookies and receive usage data such as the pages you view and actions you take. Google Privacy Policy
• Meta (advertising): we use the Meta Pixel to measure the performance of, and to target, ads on Facebook and Instagram. Meta may set cookies and receive usage data about your visit. Meta Privacy Policy
• Microsoft (product analytics): we use Microsoft Clarity for aggregated, anonymized session analytics and heatmaps that show how visitors interact with our pages. Clarity masks form inputs and text by default. Microsoft Privacy Statement
• HubSpot (CRM and marketing): helps us manage and follow up on inquiries. Receives the contact details you submit and may set cookies to recognize returning visitors. HubSpot Privacy Policy

Fonts: this website uses Google Fonts (Playfair Display and Inter), which are downloaded and self-hosted at build time through Next.js. No visitor data is transmitted to Google when you load a page.

Legal and safety disclosures

We may disclose your information if required to do so by law, court order, or legal process, or if we believe disclosure is necessary to protect the rights, safety, or property of DayOne, our borrowers, or the public.

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify affected individuals before their information becomes subject to a different privacy policy.

What we do not do

• We do not sell the personal information you submit through this website
• We do not share the contact, property, or deal information you submit with third parties for their own marketing purposes
• Other than the analytics and advertising cookies described in Section 5 (which collect website-usage data, not the deal information you submit), we do not provide your personal information to data brokers

5. Cookies and Tracking

This website uses cookies and similar technologies, including some set by third-party analytics and advertising providers. We use them to keep the site working, understand how visitors use it, and measure and target our advertising. The tools we currently use are:

• Vercel Web Analytics: privacy-focused traffic analytics. Does not use cookies and does not track you across websites.
• Google Analytics 4: measures how visitors find and use the site. Sets cookies and collects usage data.
• Meta Pixel: measures and targets our Facebook and Instagram advertising. Sets cookies and shares usage data with Meta.
• Microsoft Clarity: aggregated session analytics and heatmaps. Masks form inputs and text by default.
• HubSpot: recognizes returning visitors and helps us follow up on inquiries. May set cookies.

You can control or disable cookies through your browser settings, and you can opt out of interest-based advertising through the tools below. Blocking these cookies will not prevent you from submitting a deal or using the site.

• Google Analytics opt-out: tools.google.com/dlpage/gaoptout
• Google Ads personalization: adssettings.google.com
• Meta ad preferences: facebook.com/adpreferences
• Industry opt-out tools: optout.aboutads.info and optout.networkadvertising.org

6. Data Retention

• Deal submissions and uploaded files: retained for the duration of any resulting business relationship, plus a reasonable period afterward for legal and record-keeping purposes
• Email subscribers:retained until you unsubscribe. Upon unsubscribe, your email is marked inactive but may be kept on a suppression list to ensure we don't contact you again
• Analytics and advertising data:collected by the third-party tools listed in Section 5 and retained according to each provider's own policy. Vercel Analytics data is aggregated and cannot be tied to an individual

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. These include:

• All data transmitted between your browser and our servers is encrypted via HTTPS/TLS
• Data stored in our database and file storage is encrypted at rest
• Access to personal data is restricted to authorized DayOne personnel on a need-to-know basis
• We regularly review our security practices

No method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Your Rights and Choices

You have the right to:

• Access: request a copy of the personal information we hold about you
• Correction: request that we correct inaccurate information
• Deletion: request that we delete your personal information, subject to any legal retention obligations
• Opt out of emails: unsubscribe from Investor Insights at any time using the link in any newsletter email. We will process your request within 10 business days
• Opt out of phone contact: if you provided a phone number via the deal form, you may request to be removed from phone contact at any time

To exercise any of these rights, email us at loans@dayonepc.com. We will respond within 30 days.

9. Phone Communications

By providing your phone number on our deal submission form, you consent to receiving phone calls and/or text messages from DayOne Private Capital regarding your submission. These communications are transactional in nature and relate directly to your deal inquiry.

We will not use your phone number for unrelated marketing purposes. You may opt out of phone contact at any time by contacting us at loans@dayonepc.com.

10. File Uploads and Documents

Files you upload with your deal submission (property photos, appraisals, documents) are stored securely in encrypted cloud storage. These files are accessible only to authorized DayOne personnel and are used solely for evaluating your submitted deal.

We recommend that you do not upload documents containing Social Security numbers, bank account numbers, or other highly sensitive information unless specifically requested by our team.

11. Third-Party Links

This website may contain links to third-party websites or services. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policy of any site you visit.

12. Children's Privacy

This website is not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If we learn that we have collected information from a person under 18, we will delete it promptly. If you believe we may have collected information from a minor, please contact us at loans@dayonepc.com.

13. Data Breach Notification

In the event of a data breach involving your personal information, we will notify affected individuals in accordance with Ohio law (ORC 1349.19), which requires notification within 45 days of discovery. If the breach affects 1,000 or more Ohio residents, we will also notify nationwide consumer reporting agencies as required by law.

14. Changes to This Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of the website after changes are posted constitutes your acceptance of the updated policy.

15. Contact Us

If you have questions about this Privacy Policy or how we handle your data, contact us:

16. Legal Disclaimer

DayOne Private Capital LLC is a private lender, not a bank or depository institution. All loans are for business and investment purposes only and are subject to approval. This Privacy Policy applies to the dayonepc.com website only.