Effective Date: January 31, 2025

Bags Enterprise LLC d/b/a Liquida Capital (“Liquida Capital,” “Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information we collect from you. This Privacy Policy describes how we collect, use, share, and protect your information when you visit our website or use our financial services.

By accessing our website, using our services, or providing personal information to us, you consent to the collection, use, and sharing of your information as described in this Privacy Policy. If you do not agree to these terms, please refrain from using our website or services.

1. Information We Collect

In order to provide financial services, enhance our offerings, and comply with legal obligations, we collect the following types of information:

1.1 Transaction and Account Information

• If you use our financial products or services, we collect details related to your transactions, including payment and transaction history.
• Information provided when you create an account or apply for financial services, such as your name, email, phone number, Social Security number, income details, and other financial data.

1.2 Device and Browsing Information

• We automatically collect certain information when you visit our website, including your IP address, device type, operating system, browser type, referral source, and website interactions such as page views, session length, and navigation patterns.
• We may use cookies and tracking technologies to improve user experience, track website analytics, and detect fraud.

1.3 Mobile App Data (If Applicable)

• If we develop a mobile app, it may collect geolocation data for security features, fraud prevention, and alerts—but only with your explicit consent. You may adjust location permissions in your device settings at any time.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To process financial transactions and manage customer accounts.
• To verify your identity, evaluate your application, and determine eligibility for financial products.
• To communicate with you regarding your account, application, or services.
• To improve user experience, website functionality, and marketing effectiveness.
• To prevent fraud, ensure security, and comply with legal requirements.
• To send you marketing messages, promotions, and offers (you may opt out at any time).

3. Tracking Technologies & Cookies

Liquida Capital and our service providers use cookies, web beacons, and other tracking technologies to analyze trends, manage our website, and gather user activity data. These tools help us:

• Authenticate users and improve security.
• Understand user behavior and website engagement.
• Provide personalized content and targeted advertising.

You can control cookie settings in your web browser. However, disabling cookies may impact your experience on our website.

4. Social Media Plugins & Third-Party Technologies

Our website includes social media plugins (e.g., Facebook, LinkedIn, Twitter) that allow you to share content. These plugins do not automatically collect data, but if you actively engage with them, the respective social networks’ privacy policies apply.

We also partner with third-party advertising and analytics providers who may collect browsing data to display relevant advertisements. These companies use cookies or similar technologies to track activity across websites.

5. How We Share Your Information

Liquida Capital may share your information as follows:

5.1 Affiliates

• We may share information among affiliated companies for business operations, analytics, or marketing purposes.

5.2 Lending Partners

• If you apply for a loan, your information may be shared with our lending partners who process credit applications and financial transactions.

5.3 Service Providers

• We engage third-party vendors for data storage, payment processing, fraud detection, and customer support. These providers only access data as needed for their services.

5.4 Legal & Compliance Requirements

• We may share information if required by law, court order, or regulatory agencies.
• Information may also be shared to prevent fraud, investigate suspicious activity, or comply with financial regulations.

5.5 Referral Partners

• If you were referred to Liquida Capital by another business, we may share certain details with that entity for tracking referrals and marketing purposes.

5.6 Aggregated & Anonymized Data

• We may share anonymized data with partners for business analysis and research, ensuring no personally identifiable information is disclosed.

6. Data Security Measures

We implement industry-standard security measures to protect your personal data, including:

• Encryption: Secure transmission of sensitive data using SSL technology.
• Restricted Access: Limited personnel access to sensitive information based on job roles.
• Intrusion Prevention Systems: Protection against unauthorized access, malware, and cyber threats.
• Regular Security Audits: Periodic assessments of our security protocols to ensure data safety.

7. Your Privacy Choices & Rights

7.1 Opting Out of Marketing Communications

You may opt out of receiving marketing emails by clicking the unsubscribe link in emails or by contacting us at [email protected].

7.2 Do Not Track Signals

Liquida Capital does not respond to “Do Not Track” signals or similar browser requests that disable tracking across websites.

7.3 Data Access, Updates, and Deletion

You may request access to, correction of, or deletion of your personal information by contacting [email protected].

8. State-Specific Privacy Rights

8.1 California Residents (CCPA Notice)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), including:

• Right to Know: Request details about the personal data we collect and share.
• Right to Delete: Ask us to delete your personal data, subject to legal exceptions.
• Right to Opt-Out: Liquida Capital does not sell personal information, but you can opt out of certain data-sharing practices.
• Right to Non-Discrimination: You will not be denied services or charged different prices for exercising your rights.

To exercise these rights, email [email protected].

8.2 Vermont Residents

We do not disclose creditworthiness data to affiliates without consent.

8.3 Nevada Residents

You may request to be added to our Do Not Call List by emailing [email protected] or calling (855) 705-8055.

9. Governing Law & Dispute Resolution

This Privacy Policy is governed by the laws of the State of Florida.

Any disputes shall be resolved through binding arbitration in Miami, Florida, in accordance with the American Arbitration Association (AAA) rules. By using our services, you waive your right to a jury trial or participation in class-action lawsuits.

10. Changes to This Privacy Policy

Liquida Capital reserves the right to update this Privacy Policy at any time. If significant changes occur, we will notify you via email or through our website. Your continued use of our services after updates means you accept the revised policy.

11. Contact Information

If you have questions about this Privacy Policy, you can reach us at:

Bags Enterprise LLC d/b/a Liquida Capital
777 Brickell Ave, Suite 500 #1012
Miami, FL 33131
Email: [email protected]
Phone: (855) 705-8055
Website: https://liquidacapital.com