Privacy Notice

 

Privacy Notice

OnCo Inc. | www.oncocapital.org

Effective: April 2026

OnCo Inc. values your trust. We respect the privacy of your personal information and take our responsibility to protect it seriously. This Privacy Notice is provided on behalf of OnCo Inc. and applies to our current and former customers, loan applicants, and website visitors.

This notice describes how we collect, use, and share your personal information, and explains your rights and choices including the right to opt out of certain sharing.

Protecting Your Personal Information

OnCo Inc. maintains physical, electronic, and procedural safeguards to protect your personal information consistent with applicable federal and state law, including requirements applicable to Community Development Financial Institutions (CDFIs) and nonprofit lenders. Only authorized personnel who need access to your information to perform their job functions are permitted to access it, and we require them to keep that information secure and confidential.

Personal Information We Collect

We collect personal information when you fill out applications and forms, when you enter information on our website at www.oncocapital.org, when you respond to our communications, and when you provide us information by phone, email, or in person. We also collect information that others provide about you. This may include:

  • Name, address, email address, telephone number, and other contact information
  • Income, employment, and financial information
  • Social Security number or Individual Taxpayer Identification Number (ITIN)
  • Transaction and account history
  • Tax transcripts and IRS forms
  • Consumer reports from credit reporting agencies
  • Business ownership and organizational information
  • Government-issued identification
  • Demographic information collected for CDFI reporting and compliance purposes, including race, ethnicity, and gender, where voluntarily provided

How We Use Your Information

OnCo Inc. uses your personal information for the following purposes:

  • Evaluating and processing loan applications and providing lending services
  • Administering your account and managing transactions
  • Complying with legal and regulatory requirements, including CDFI Fund reporting obligations, Community Reinvestment Act (CRA) compliance, and fair lending laws such as the Equal Credit Opportunity Act (ECOA) and the Home Mortgage Disclosure Act (HMDA)
  • Conducting business research, analysis, and impact measurement
  • Communicating with you about your account, services, and educational resources
  • Preventing fraud and protecting the security of our systems
  • As otherwise required or permitted by law
  • OnCo Inc. does not sell your personal information to third parties for their marketing purposes. All personal data is governed by the strongest NIST and/or SOC 2 compliance protocols.

Sharing Your Information

OnCo Inc. may share your personal information in the following circumstances:

Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as loan processing, technology, data analysis, and compliance support. These providers are contractually required to protect your information and may not use it for their own purposes.

Affiliated Entities

OnCo Inc. is affiliated with Loan Mantra, a technology-enabled lending platform. We may share information with Loan Mantra in connection with the origination, underwriting, or servicing of loans, and to facilitate the capital continuum — the pathway from OnCo financing to broader lending programs. Any such sharing is subject to applicable privacy protections.

Regulatory and Government Reporting

As a CDFI and nonprofit lender, OnCo Inc. is required to report certain transaction and demographic data to the U.S. Department of the Treasury’s CDFI Fund, the Consumer Financial Protection Bureau (CFPB), and other regulatory bodies. This reporting may include loan-level data and borrower demographic information, which is used for community development impact measurement and fair lending oversight. Personal identifying information is protected in accordance with applicable law.

Legal Requirements

We may disclose your personal information as required by law, including in response to subpoenas, court orders, regulatory inquiries, or to prevent fraud or protect the safety of individuals.

Business Transfers

In the event of a merger, acquisition, or transfer of OnCo Inc.’s assets, your information may be transferred as part of that transaction, subject to applicable privacy protections.

We do not share your personal information with unaffiliated companies for their own marketing purposes without your consent.

Your Rights and Choices

Depending on your state of residence, you may have certain rights with respect to your personal information, including:

  • The right to know what personal information we collect and how it is used
  • The right to request access to or a copy of your personal information
  • The right to request correction of inaccurate information
  • The right to opt out of certain sharing of your information for marketing purposes
  • The right to request deletion of your personal information, subject to applicable legal and regulatory retention requirements

To exercise any of these rights, or to opt out of sharing for marketing purposes, please contact us at:

Email: hello@oncocapital.org (subject line: “Privacy Request”)

Website: www.oncocapital.org

Please note that we may ask you to verify your identity before responding to your request. Certain information may be retained as required by law or for legitimate business purposes.

Data Retention

OnCo Inc. retains personal information for as long as necessary to fulfill the purposes described in this notice, comply with applicable legal and regulatory requirements, resolve disputes, and enforce our agreements. Loan records and related documentation are retained in accordance with applicable federal and state recordkeeping requirements.

Cookies and Online Tracking

Our website at www.oncocapital.org may use cookies and similar technologies to improve your browsing experience, analyze site traffic, and support our services. You may configure your browser to refuse cookies, though some features of our website may not function properly if you do so. We do not use cookies to collect sensitive personal or financial information.

Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us promptly.

Changes to This Notice

We reserve the right to modify this Privacy Notice at any time. When we make material changes, we will update the effective date at the top of this notice and post the revised notice at www.oncocapital.org. We encourage you to review this notice periodically.

Contact Us

If you have questions about this Privacy Notice or our privacy practices, please contact us:

OnCo Inc.
Email: info@oncocapital.org
Website: www.oncocapital.org
Charleston, SC

This Privacy Notice is available at all times at www.oncocapital.org