Privacy Policy

The information provided on this website is for general informational purposes only and does not constitute an offer, commitment, or guarantee of financing by Waypoint Capital LLC (“Waypoint Capital”). All loan applications are subject to credit approval, underwriting guidelines, and availability through our lending partners. Waypoint Capital does not guarantee loan approval, interest rates, or terms until a formal agreement is executed and signed.

Waypoint Capital operates as a loan facilitator and works in partnership with third-party lenders, including but not limited to Bank OZK, Aqua Finance, and Priority One Financial Services. All financing is subject to the terms, conditions, and credit requirements of the respective lenders.

The interest rates, loan terms, and product details displayed or referenced on this website are for illustrative purposes only and may vary based on individual creditworthiness, loan amount, term, and other factors. Waypoint Capital does not warrant the accuracy or completeness of any information provided by third-party partners or linked sites.

While we strive to keep all information up to date and accurate, Waypoint Capital makes no representations or warranties of any kind, express or implied, regarding the reliability, availability, or suitability of any information, products, services, or related graphics contained on this website for any purpose.

By using this website, including submitting any credit or financing application, you acknowledge and agree to the terms outlined in this disclaimer and consent to the sharing of your information with our lending partners for the purposes of loan evaluation and processing.

If you have questions regarding the application process, loan options, or eligibility, please contact us directly before submitting any personal information.

Effective Date: July 28, 2025

Waypoint Capital LLC (“Waypoint Capital,” “we,” “our,” or “us”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or apply for financing through our services.

By using our website or submitting personal information, you consent to the practices described in this policy.

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1. Information We Collect
A. Information You Provide Directly
When you fill out a loan application, contact form, or communicate with us, we may collect:

Full name

Email address

Phone number

Mailing address

Social Security Number (via secure credit application)

Date of birth

Employment and income details

Loan preferences (amount requested, type of vehicle, etc.)

B. Automatically Collected Information
When you visit our website, we may automatically collect:

IP address

Browser type

Device type

Pages viewed and time spent on the site

Referring website or search terms

We use cookies and similar technologies to improve user experience and monitor site performance. You can disable cookies through your browser settings.

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2. How We Use Your Information
We may use the information we collect for the following purposes:

To process and evaluate credit applications

To connect you with our trusted lending partners

To respond to your inquiries and customer service requests

To improve our website functionality and services

To communicate updates, offers, or relevant information (with your consent)

To comply with legal or regulatory requirements

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3. How We Share Your Information
We may share your personal information with:

Trusted Lending Partners (e.g., Bank OZK, Aqua Finance, Priority One) for the purpose of evaluating and securing loan approvals

Service Providers who perform functions on our behalf (e.g., secure data processors)

Legal and Regulatory Authorities when required by law, subpoena, or legal process

We do not sell your personal information to third parties.

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4. Data Security
We implement appropriate administrative, technical, and physical safeguards to protect your information. Sensitive data, including your Social Security Number and income details, are transmitted through secure, encrypted channels.

While we strive to protect your personal information, no system can be guaranteed 100% secure. You are responsible for maintaining the security of your own devices and passwords.

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5. Your Rights and Choices
Depending on your location, you may have the right to:

Request access to or correction of your personal information

Request deletion of your data

Opt-out of certain communications (e.g., marketing emails)

To make such a request, contact us using the information below.

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6. Third-Party Websites
Our website may contain links to third-party sites. We are not responsible for the privacy practices or content of those external websites. We encourage you to review their privacy policies before providing any personal information.

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7. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect or solicit personal information from minors.

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8. Changes to This Privacy Policy
Waypoint Capital reserves the right to update this Privacy Policy at any time. Updates will be posted on this page with a revised effective date. Continued use of the site after changes indicates your acceptance of the updated policy.

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9. Contact Us
If you have any questions or concerns about this Privacy Policy or your personal information, please contact us:

Waypoint Capital LLC

mike@waypointcapitalfinance.com 

545 Howard Blvd, Lake Hopatcong, NJ 07849

973-219-0841

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