PRIVACY POLICY

OUR COMMITMENT TO YOUR PRIVACY

Cetan Funds, LLC is committed to protecting your privacy and ensuring that your personal information and visits to our website are completely secure.

If you have any questions or problems with any aspect of our privacy policy or its implementation, please contact our privacy officer, Mary Merriman at mary@cetanfunds.com.

SECURITY OF YOUR PERSONAL INFORMATION

To maintain the security of your information, we use the Transport Layer Security (TLS) protocol with 128-bit or higher encryption strength to transmit sensitive information. This is the same technology used in transmitting sensitive information by banks, governments, and online businesses such as Amazon.com and eBay.  Once the information is in our system, it is accessible to authorized Cetan Funds, LLC personnel and third party vendors only.  We strictly enforce our privacy policies with our employees and any breach of this policy will result in termination and the pressing of criminal charges where there are grounds.

HOW WE USE YOUR PERSONAL INFORMATION

Your personal information will be used to provide you with the requested products and services.  This includes the use of information for completing transactions or communicating back to you.  Credit card and bank account numbers are used only for payment processing and are not used for any other purpose.

We may also use personal information in a manner that does not identify you specifically nor allow you to be contacted but does identify certain property information such as loan amount, photographs of the project property and loan purpose.

WHO WE SHARE YOUR PERSONAL INFORMATION WITH

We will not sell or rent your name or personal information to anyone else. We do not sell, rent or provide outside access to our mailing list at all.

Cetan Funds, LLC will not release your personal information to authorities unless required by law, search warrant, court order, subpoena, or fraud investigation.

Cetan Funds, LLC will share your information with third parties only to the extent necessary to provide the services and products requested by you.  All such third parties are prohibited from using your personal information except to provide these services and they are required to maintain the confidentiality of your information.

Cetan Funds, LLC will share your information with Cetan Income Fund and its manager or with the underlying lender for your loan.

COLLECTION OF YOUR PERSONAL INFORMATION

Cetan Funds, LLC only saves such personal information that is necessary for you to access and use our services. This personal information includes, but is not limited to, first and last name, email address, social security number, residence address, phone number, financial transaction processing information, and various data in loan application and investment documentation.

PRIVACY OF INFORMATION

The information you provided when you applied for a loan either on the phone, in person or on our website is held strictly confidential.  Cetan Funds, LLC and its affiliates may provide a borrower’s personal information to firms that assist in our operation and that have a need for such information, such as lawyers, accountants, third party administrators and software companies, or other service providers and as permitted by law.  Cetan Funds, LLC maintains physical, electronic and procedural safeguards designed to protect the non-public personal information it obtains about its borrowers.

For your protection provide a valid email address that will not block email from Cetan Funds, LLC.  You may be granted access to loan information and new applications through a hosted link on our website.  We will not ask you for your password over the phone or in an email.  You are responsible for the security and maintenance of your password through the website provider.

USA PATRIOT ACT COMPLIANCE

Prohibited Transactions

Cetan Funds, LLC prohibits granting loan funds or conducting any financial transaction with or to any persons or entities that are acting, whether directly or indirectly, (a) in contravention of any United States, international or other money laundering laws, regulations or conventions, or (b) on behalf of terrorists or terrorist organizations, including those persons or entities that are included on any relevant lists, including the list of Specially Designated Nationals and Blocked persons maintained by the United States Office of Foreign Assets Control, all as may be amended from time to time (“Prohibited Transactions”).

Authority

Cetan Funds, LLC shall be authorized, without the consent of any person or entity, to take such action as it determines to be necessary or advisable to comply, or to cause Cetan Funds, LLC to comply, with any anti-money-laundering or anti-terrorist laws, rules, regulations, directives or special measures.  Notwithstanding anything to the contrary contained in any loan agreement or other document, if, at any time following any borrower’s acquisition or maintenance of its loan, it is discovered that such borrower’s loan is a Prohibited Transaction, such borrower shall have no claim arising for any fees, costs, expenses, losses or damages, including legal fees and expenses, against the Cetan Funds, LLC, and its affiliates, or any of their respective shareholders, partners, members, other equity holders, officers, directors, employees, managers, agents and other representatives, other than, if permitted by law.

Release of Confidential Information

Cetan Funds, LLC may release Confidential Information about any borrower and, if applicable, any beneficial owner(s) of such borrower to proper authorities if, in its sole discretion, it determines that it is in the best interest(s) of Cetan Funds, LLC or Cetan Income Fund, LLC considering relevant rules, laws and regulations concerning Prohibited Transactions.

Last Updated: May 12, 2021