Privacy Policy

Effective Date: November 1st, 2025

 

Shift Capital (“Shift,” “Shift Capital,” “we,” “us,” or “our”) is committed to protecting your privacy and providing a secure online experience. This Privacy Policy applies to the Shift Capital website and any services offered through it (collectively, the “Site”). By using the Site, you consent to the data practices described in this statement.

​

 

 

1. Collection of Your Personal Information

 

Shift Capital collects certain personally identifiable information (“Personal Information”), including but not limited to:

 

• Your name

• Email address

• Phone number

• Billing, home, or work address

• Information related to your Vehicle Service Contract (VSC) financing application

• Payment-related information necessary to process financing

• Any information you voluntarily submit through forms, applications, or support requests

 

Shift Capital may also collect non-personal demographic information such as ZIP code, age range, or general usage characteristics.

 

Automatically Collected Information

We automatically collect information about your device and browsing activity, including:

 

• IP address

• Browser type

• Access times

• Pages visited

• Referring website addresses

 

This information helps us operate the Site, maintain service quality, detect security issues, and analyze usage trends.

 

Please note: if you disclose personal information on public areas of the Site or on third-party platforms linked from the Site, that information may be collected and used by others. Shift Capital does not monitor or access your private online communications.

 

We encourage you to review the privacy policies of any external websites you visit. Shift Capital is not responsible for the privacy practices or content of websites outside the Shift Capital domain.

​

 

 

2. Use of Your Personal Information

 

Shift Capital uses your Personal Information to:

 

• Operate the Site and deliver the financing services you request

• Process applications, payments, and customer support inquiries

• Communicate with you regarding your finance agreement, account status, or required documentation

• Notify you of product updates, service offerings, or relevant financing programs

• Conduct research through surveys to improve our services

• Comply with legal and regulatory requirements applicable to financial institutions

 

Shift Capital does not sell, rent, or lease customer information to third parties.

 

We may contact you on behalf of our business partners when an offering may be relevant to your financing relationship; however, your Personal Information is not disclosed to such partners unless necessary for contracted services.

 

Trusted Service Providers

We may share information with verified third-party partners who assist us with:

 

• Statistical analysis

• Email or mail communications

• Customer support

• Payment processing

• Data storage or secure hosting services

 

These partners are contractually restricted from using your Personal Information for any purpose other than to provide services to Shift Capital and must maintain strict confidentiality.

 

Shift Capital does not collect or use sensitive Personal Information (such as race, religion, or political affiliation) without your explicit consent.

 

We may also monitor aggregated user behavior on the Site to improve functionality, personalize experiences, and offer relevant content.

 

Legal Disclosures

Shift Capital may disclose your information without notice if required to:

 

1. Comply with legal process or applicable law

2. Protect the rights, property, or safety of Shift Capital

3. Act in urgent circumstances to safeguard other users or the public
   
    

​

3. Use of Cookies

 

The Shift Capital website uses cookies to enhance your online experience. Cookies are small text files placed on your device.

 

Cookies help us:

 

• Recognize returning users

• Save your preferences

• Improve login, application, and account experiences

• Personalize content

• Analyze website performance

 

Most web browsers automatically accept cookies, but you can modify your browser settings to decline them. If you disable cookies, certain Site features may not function properly.

 

Cookies cannot be used to run programs or deliver viruses to your device.​​

 

 

4. Security of Your Personal Information

 

Shift Capital employs advanced administrative, technical, and physical safeguards to protect your Personal Information from unauthorized access, use, or disclosure.

 

All Personal Information is stored on secure servers in controlled environments. Sensitive data (such as payment information) is encrypted during transmission using industry-standard protocols such as SSL/TLS.

 

Despite our efforts, no method of data transmission or storage can be guaranteed completely secure. You acknowledge and accept this inherent risk when using our services.

​​​

 

 

5. Changes to This Privacy Policy

 

Shift Capital may periodically update this Privacy Policy to reflect company changes, legal requirements, or customer feedback. We encourage you to review this Policy regularly to stay informed about how we are protecting your information.

 

Material changes will be posted on this page with updated effective dates.

​

​

​​​

6. Contact Information

 

Shift Capital welcomes your questions or comments regarding this Privacy Policy.

 

You may contact us at:

Shift Capital

Email: info@shift-capital.ai

Website: https://www.shift-capital.ai

 

We will make commercially reasonable efforts to respond promptly and resolve any concerns.

​​​​

​

 

7. SMS/Text Messaging Disclosure

 

Any text messaging opt-in data and consent you provide will not be sold, shared, or disclosed to third parties for marketing or promotional purposes.