Legal Document
Privacy Policy
Last updated: 1 January 2026
CRHD Fund is the trading name of CRHD FUND SLP LLC, a small business credit fund that reads the cash flow of its borrowers with the care of a hydrologist reading a gauging station. This Privacy Policy explains what information the company collects, why the company collects it, how the company safeguards it, and the choices available to every person who visits our website or speaks with our team. The company is registered at 10919 S Secret View Dr, Sandy - 84092-4949, United States (US), and the company treats the privacy of applicants, borrowers and visitors as a matter of professional discipline rather than a legal afterthought. The policy below is written in plain language and applies to the website at https://www.crhdfund.mom, to any credit application, and to every conversation conducted with our underwriting and advisory desks. Please read it carefully before submitting information to the company.
1. Scope of This Policy
This policy covers all personal information handled by CRHD FUND SLP LLC in the course of operating a small business credit fund and the related website. It applies to prospective borrowers who inquire about working capital lines, equipment notes, revenue based advances, seasonal bridge facilities, refinance arrangements and advisory services. It also applies to visitors who browse the website without making an inquiry, to professional contacts who correspond with our team, and to any person whose information is provided to the company in connection with a credit application. The policy does not apply to third party websites that may be reached through links from our pages, since those services operate under their own privacy terms and the company has no control over their practices. The company encourages every visitor to review the privacy statement of any external site before providing information to it.
2. Information the Company Collects
The company collects information that is necessary to evaluate a credit request, to operate the website, and to maintain a professional relationship with borrowers and partners. This information falls into several broad categories. Identity and contact information includes a name, business name, postal address, email address, telephone number and job title. Business information includes the trade of the applicant, the age of the business, the number of employees, the structure of ownership and the industries in which the applicant operates. Financial information includes bank statements, receivables records, revenue figures, existing debt obligations and the cash flow records that form the basis of a gauging review. Website information includes technical data such as browser type, device category, approximate location derived from an internet address, and the pages visited during a session. Communication information includes the content of messages sent through the contact form, by email, or during a telephone call with our desk. The company collects only the information it genuinely needs and does not seek data that is irrelevant to the purpose at hand.
3. Where Information Comes From
Most information reaches the company directly from the person who provides it, whether through the website contact form, an email to contact@crhdfund.mom, a telephone call to +14479100116, or documents supplied during an application. Some information is generated automatically as a visitor navigates the website, such as the technical details described above. In limited circumstances the company may receive information from a credit reference agency, from a bank or payment processor with the consent of the applicant, or from a business partner who refers an applicant to the fund. Where information arrives from a third party, the company expects that party to have a lawful basis for sharing it, and the company records the source so that the origin of every data point remains clear. The company never purchases personal information from data brokers and never harvests contact details from unrelated sources.
4. Why the Company Uses Information
The company uses personal information for clearly defined purposes. The first purpose is to assess a credit request, which requires a careful reading of the cash flow record that underlies a working capital line, an equipment note or a revenue based advance. The second purpose is to open, administer and monitor a facility once it has been agreed, including the scheduling of reviews and the handling of draw requests. The third purpose is to communicate with applicants, borrowers and partners about an inquiry, an application, a facility or a service. The fourth purpose is to operate, secure and improve the website so that it remains reliable and useful. The fifth purpose is to meet legal, regulatory and accounting obligations, including record keeping and the prevention of fraud and financial crime. The sixth purpose is to send occasional service updates to existing borrowers where the company believes the information is relevant to a facility they hold. The company does not use personal information for unrelated marketing and does not sell that information to any party.
5. Legal Grounds for Processing
The company processes personal information on the basis of several recognised legal grounds. Where an applicant asks the company to evaluate a credit request, processing rests on the steps needed to enter into a contract and on the legitimate interest of the company in conducting its business. Where the company handles information to meet a legal or regulatory duty, processing rests on that obligation. Where the company relies on consent, such as for an optional update message, that consent may be withdrawn at any time. Where the company pursues a legitimate interest, the interest is balanced against the rights of the individual, and the company limits the processing to what is proportionate and necessary. The company documents the ground it relies on for each category of processing so that its decisions can be explained and reviewed.
6. Financial and Credit Information
Because the company is a credit fund, financial information forms the core of much of what the company handles. Bank statements, revenue records, receivables aging and debt schedules are reviewed by trained analysts who are bound by confidentiality obligations. This information is used to measure the base flow of a business, to chart the seasonality of its receipts, and to size a facility that the business can repay without strain. Credit information is never used for an unrelated purpose and is never disclosed to a party that has no role in the credit relationship. Where the company obtains a reference from a bank or a credit agency, that reference is used solely to verify the record supplied by the applicant. Records of a declined application are retained for a limited period so that the company can demonstrate that its decisions were consistent and fair.
7. How Information Is Shared
The company shares personal information only in the limited circumstances that are necessary to run a credit fund and to serve its borrowers. Information may be shared with professional advisers such as accountants, auditors and legal counsel who are bound by duties of confidentiality. It may be shared with a bank or payment provider where this is needed to settle a facility. It may be shared with a credit reference agency where an applicant has consented or where the company has a legitimate interest in verifying a record. It may be shared with a regulator or a law enforcement body where the company is legally required to do so. In the event that the company is reorganised, merged or sold, information may transfer to a successor that agrees to honour this policy. The company does not sell personal information, does not rent contact lists, and does not disclose information to advertising networks for their own purposes.
8. Service Providers and Processors
The company engages a small number of service providers who process information on its behalf. These may include a hosting provider that keeps the website available, an email provider that carries correspondence, an information technology support firm that maintains our systems, and a secure storage service that holds application records. Each provider is selected with care and is bound by a written agreement that limits the use of information to the service the provider performs for the company. Providers are required to apply appropriate security measures, to restrict access to authorised personnel, and to return or delete information when the engagement ends. The company reviews the performance of its providers on a regular basis and does not permit any provider to use information for its own independent purposes.
9. Cookies and Similar Technologies
The website uses a minimal set of cookies and similar technologies. Strictly necessary cookies allow the site to function, to remember a navigation choice and to protect the security of a session. These cookies do not track a visitor across unrelated websites and are not used to build an advertising profile. Preference cookies may record a small setting so that a returning visitor has a consistent experience. The company does not operate a network of cross-site tracking cookies and does not permit third party advertising cookies on its pages. A visitor may control or delete cookies through the settings of the browser, and the website continues to work for its essential function when optional cookies are refused. Where a cookie requires consent, the company asks for it clearly and honours a refusal.
10. Analytics and Website Measurement
The company may use a privacy respecting analytics tool to understand how visitors reach the website and which pages are the most useful. Such measurement is used to improve the clarity of the content, to fix broken journeys and to confirm that the site loads reliably. Where analytics is used, the data is aggregated or pseudonymised wherever possible, and the company avoids the collection of unnecessary identifying detail. The company does not combine analytics data with credit records to profile an individual, and it does not share analytics output with advertising networks. A visitor who prefers not to be measured may use the browser controls that block analytics scripts, and such a choice has no effect on the ability to contact the company.
11. How Long Information Is Kept
The company keeps personal information only for as long as it is needed for the purpose it was collected, or for as long as a legal or regulatory duty requires. An inquiry that does not proceed to an application is generally held for a short period and then deleted. An application that is declined is retained for a limited period so that the company can evidence the consistency of its decisions. A facility that is opened generates a credit file that is kept for the life of the facility and for a further period required by accounting and record keeping rules. Website analytics is kept in aggregate form and is refreshed on a rolling basis. When information is no longer needed, it is securely deleted or irreversibly anonymised so that it can no longer be linked to an individual.
12. How Information Is Protected
The company applies technical and organisational measures designed to protect personal information against unauthorised access, loss, alteration and disclosure. These measures include encryption of data in transit, access controls that limit information to staff who need it for a defined role, strong authentication for internal systems, and regular review of the permissions held by each team member. Physical records are stored in a controlled environment, and electronic records are held in systems that are backed up and monitored. Staff receive training on confidentiality and on the handling of financial data, and they are bound by written duties that survive the end of their engagement. Although no method of transmission or storage is entirely free of risk, the company works to keep its safeguards current and to respond quickly to any incident that could affect personal information.
13. International Data Transfers
The company is based in the United States and generally processes information within that country. Where a service provider operates from another country, information may be transferred across a border so that the provider can perform its service. When this occurs, the company takes steps to ensure that the information remains protected to a standard consistent with this policy, using contractual safeguards and by selecting providers that maintain recognised security practices. The company records where its data is held and reviews those locations when a provider changes. A person who wishes to know whether personal information is held outside the United States may contact the company using the details at the end of this policy.
14. Your Privacy Rights
Subject to applicable law, a person may hold a number of rights over the personal information the company keeps. These include the right to be informed about how information is used, the right to request access to the information held, the right to ask for correction of information that is inaccurate or incomplete, and the right to request deletion where there is no continuing lawful reason to keep it. A person may also have the right to restrict certain processing, to object to processing based on a legitimate interest, and to receive information in a portable format. Where processing rests on consent, the consent may be withdrawn at any time without affecting the lawfulness of processing that took place before the withdrawal. These rights are not absolute, and the company may need to retain certain records to meet a legal duty or to establish a legal claim.
15. Exercising Your Rights
A person who wishes to exercise a privacy right may contact the company by email at contact@crhdfund.mom or by post at CRHD FUND SLP LLC, 10919 S Secret View Dr, Sandy - 84092-4949, United States (US). The request should describe the right being exercised and the information to which it relates, so that the company can respond accurately. The company may ask for reasonable proof of identity before acting, in order to prevent the disclosure of information to the wrong person. A request is handled within the period required by applicable law, and the company will explain any reason why a request cannot be fully met. Where a request is manifestly unfounded or excessive, the company may charge a reasonable fee or decline to act, and it will state its reasoning in that case. A person who is not satisfied with the response may have the right to complain to a supervisory authority.
16. Privacy for Children
The services of the company are designed for businesses and for the adults who run them. The website is not directed at children, and the company does not knowingly collect personal information from a person under the age of eighteen. Where the company becomes aware that information has been collected from a child without appropriate consent, the company will delete that information promptly. A parent or guardian who believes that a child has provided information to the company may contact the desk at contact@crhdfund.mom so that the record can be reviewed and removed. The company does not use information from a child for any purpose and does not market credit services to minors.
17. Changes to This Policy
The company may update this policy from time to time to reflect a change in its practices, in the services it offers, or in the law that applies to it. When a material change is made, the company will update the date at the top of this page and, where the change is significant, will provide a clearer notice on the website or by direct communication to existing borrowers. The company encourages every visitor to review this policy periodically so that they remain aware of how their information is handled. Continued use of the website or of the services of the company after a change takes effect indicates acceptance of the revised policy, to the extent that such acceptance is permitted by law.
18. How to Reach the Company
Questions about this Privacy Policy, about the handling of personal information, or about any privacy right may be directed to the privacy desk of CRHD FUND SLP LLC. The company may be reached by email at contact@crhdfund.mom, by telephone at +14479100116, or by post at 10919 S Secret View Dr, Sandy - 84092-4949, United States (US). The desk aims to answer every privacy inquiry promptly and to explain the position of the company in clear language. Where a concern cannot be resolved directly, the company will explain the further steps that are available. This policy forms part of the public commitment of CRHD Fund to handle information with the same measured care that it brings to every credit gauging.