Kraftworks Privacy Policy

Effective Date: September 21, 2026

Introduction

This Privacy Policy describes how Kraftworks App Inc., a Texas corporation (“Kraftworks,” “we,” “us,” or “our”), collects, uses, stores, and shares information when:

1. you access or use our websites or other digital properties that we own or operate, including https://www.kraftworks.ai (“Websites”);
2. you use or apply for our services, including business, digital, financing, and related services (“Services”);
3. you communicate with us by email, text message, telephone, direct message, online form, or in person (“Communications”); or
4. we interact with service providers, business partners, or other third parties in connection with our Websites, Services, or business operations.

The information we collect depends on how you interact with Kraftworks and which Services you use or request.

1. What Types of Information Do We Collect?

Depending on how you interact with our Websites and Services, the nature of our Communications, and the Services you request, we may collect the following categories of information from or about you:

• Identifying Information. Information such as your full name, username and password, telephone number, email address, postal address, and other identifying or contact information. Where relevant to financing, identity verification, compliance, or other Services, this may also include a Social Security number, driver’s license number, or other government-issued identification information.
• Business Information. Information about you or your business, including business name, ownership information, business address, industry, services offered, operating history, customers, employees, licenses, websites, social media accounts, and related business information.
• Financial and Credit Information. Where relevant to financing or other Services, information such as bank account information, bank statements, revenues, expenses, cash flow, payment history, credit history, credit reports, outstanding obligations, and other financial or credit-related information.
• Information From Public Sources. Information gathered from publicly available sources, including government records, business registrations, websites, social media accounts, online directories, and related publications.
• Subscriptions and Preferences. Information you provide when you subscribe to receive updates, newsletters, marketing communications, or other information from us.
• Events Data. Information concerning your attendance at or participation in events, programs, workshops, or other activities involving Kraftworks, including related feedback.
• Social Media Information. Information concerning public posts, comments, likes, messages, or other interactions with social media platforms or Kraftworks social media accounts.
• Device Identifiers and Other Unique Identifiers. Information such as your device identifier, Internet Protocol (“IP”) address, cookie identifiers, mobile advertising identifiers, and other unique or persistent identifiers.
• Internet or Other Network Activity. Information such as browsing or search activity on our Websites and information concerning your interactions with our Websites, emails, advertisements, and other Communications.
• Geolocation Data. Information that may allow us to determine your general location, such as city, state, or approximate location derived from your IP address, where relevant to providing or improving our Services.
• Commercial Information. Information concerning the Services you have considered, requested, purchased, applied for, or received from us, together with related information about your interactions and commercial activities with Kraftworks.
• Demographic Information. Information such as age, date of birth, or other demographic information where relevant to the Services you request or where otherwise provided to us.
• Audio and Visual Information. Information such as photographs, images, videos, audio recordings, and recordings of Communications where applicable.
• Inferences. Information or conclusions we may derive from the information described above for purposes such as understanding your needs, evaluating requests, improving our Services, preventing fraud, or providing relevant recommendations.

We do not necessarily collect every category of information listed above from every person. The information collected will depend on your relationship and interactions with Kraftworks.

2. How Do We Collect Your Information?

We generally collect information in three ways: directly from you, automatically through our Websites and Communications, and from third parties.

Directly From You

We collect information directly from you when you:

• submit information through our Websites or online forms;
• create or use an account;
• request or engage us for Services;
• complete an application or financing-related form;
• provide financial or business documentation;
• make a payment;
• communicate with us;
• provide photographs, videos, documents, or other content;
• participate in a Kraftworks program or event; or
• sign up to receive emails, text messages, newsletters, or other Communications.

Automatically Through Online Technologies

When you visit our Websites, interact with emails or other Communications, or interact with online advertisements, we and certain service providers may automatically collect information using technologies such as cookies, pixels, web beacons, software development kits, and similar technologies.

For more information, see Section 3 – Cookies and Related Online Tracking Technologies.

From Third Parties

We may receive information from third parties where appropriate in connection with our Services or business operations. These may include data analytics providers, credit bureaus, identity or background verification providers, fraud-prevention providers, payment providers, marketing or advertising providers, public databases, business partners, and other service providers.

3. Cookies and Related Online Tracking Technologies

We and our service providers may use cookies, pixels, web beacons, software development kits, and similar online technologies when you use our Websites or interact with certain Services and Communications.

These technologies may be used to:

• operate and maintain our Websites;
• remember preferences;
• manage sessions and account functions;
• improve security;
• prevent fraud or abuse;
• identify and repair technical problems;
• understand Website traffic and usage;
• measure the effectiveness of Communications or marketing activities; and
• improve Website functionality and user experience.

Our Websites may use Google Analytics and similar analytics services to help us understand how visitors use our Websites. These providers may collect information through cookies and related technologies in accordance with their own privacy policies and terms.

Your browser or device may allow you to manage or disable certain cookies. Disabling cookies may affect the functionality of certain portions of our Websites.

4. How Do We Use Your Information?

We may use your information for the following purposes:

• Provide Our Websites and Services. We use information to operate our Websites and provide requested Services, including creating and managing accounts, processing applications or requests, providing business or digital services, evaluating financing-related requests where applicable, processing transactions, communicating about Services, and performing related business functions.
• Communicate With You. We use information to respond to inquiries, requests, feedback, and support questions and to provide operational, scheduling, onboarding, account, and service-related Communications.
• Provide and Improve Customer Service. We use information to understand customer needs, resolve issues, improve our processes, and provide relevant support.
• Market and Advertise. We may use information to communicate with you about Kraftworks Services, programs, promotions, events, or other offerings that we believe may be relevant to you, subject to applicable law and your communication preferences.
• Conduct Analytics and Improve Our Services. We use information to understand how people interact with our Websites, Services, advertisements, and Communications; evaluate the effectiveness of our operations; improve our products and Services; and develop new offerings and features.
• Personalize Your Experience. We may use information to better understand your business needs and tailor content, recommendations, Communications, or Services accordingly.
• Evaluate Applications and Requests. Where applicable, we may use business, financial, credit, identity, and related information to evaluate applications, requests for financing, eligibility for Services, fraud risk, and related matters.
• Security and Fraud Prevention. We use information to detect, investigate, prevent, and respond to potentially fraudulent, deceptive, malicious, unauthorized, or illegal activity; maintain the security of our Websites and systems; and protect Kraftworks, our customers, and others.
• Legal and Regulatory Obligations. We use information where necessary to comply with applicable laws, regulations, legal processes, contractual requirements, recordkeeping requirements, and governmental requests and to establish, exercise, or defend legal rights.
• Business Operations. We use information to support our internal operations, including accounting, auditing, recordkeeping, business administration, payment collection, vendor management, loss prevention, troubleshooting, and identifying and repairing errors or problems affecting our Websites or Services.

5. How Do We Disclose Your Information?

We may disclose or share information where reasonably necessary to provide our Services, operate our business, comply with legal obligations, or as otherwise described below.

With Your Consent or At Your Direction

We may disclose information when you direct or authorize us to do so. Consent may be provided through an online form or agreement, electronically, in writing, orally, or through another appropriate method.

With Service Providers

We may disclose information to service providers that perform functions on our behalf or assist us in operating our business.

These providers may include companies providing:

• website hosting and information technology services;
• cloud storage and data processing;
• customer relationship management systems;
• communications, email, telephone, or text messaging services;
• payment processing;
• analytics;
• identity verification;
• fraud prevention;
• accounting, auditing, or professional services;
• marketing and advertising services;
• document management;
• customer support; and
• other services necessary to operate our business or provide our Services.

We expect service providers to use information only for appropriate business purposes and in accordance with applicable contractual and legal obligations.

With Business Partners in Connection With Services You Request

Where necessary to provide, evaluate, arrange, or facilitate a Service that you request, we may disclose relevant information to business partners or other third parties involved in that Service.

Depending on the Service, these parties may include lenders, financial institutions, insurance providers, professional service providers, or other businesses involved in fulfilling your request.

We disclose information only as reasonably necessary for the relevant purpose or as otherwise authorized by you.

Business Transfers

We may disclose or transfer information in connection with an actual or proposed corporate transaction, including a merger, acquisition, investment, financing, reorganization, sale of assets, change of control, bankruptcy, insolvency, or similar business transaction.

SMS Consent and Mobile Information

Notwithstanding anything else in this Privacy Policy, mobile phone numbers, SMS opt-in consent, and related text-messaging data will not be sold, rented, or shared with third parties for their own marketing or promotional purposes.

We may use mobile information for purposes such as conversational Communications, customer support, scheduling, onboarding, operational updates, account-related Services, and other Communications you have requested or authorized.

You may opt out of SMS Communications at any time by replying STOP to a message. You may reply HELP for assistance.

Legal Process, Compliance, and Protection

We may disclose information where we reasonably believe disclosure is necessary or appropriate to:

1. comply with applicable law, regulation, legal process, court order, subpoena, or governmental request;
2. enforce or apply our agreements, policies, or rights;
3. prevent, investigate, or respond to suspected fraud, security incidents, illegal activity, or misuse of our Websites or Services;
4. protect the rights, property, safety, or security of Kraftworks, our customers, our business partners, or others; or
5. establish, exercise, or defend legal claims.

6. How Do We Protect Your Information?

We use commercially reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, acquisition, use, disclosure, alteration, loss, or destruction.

The measures we use depend on the nature and sensitivity of the information involved and the Services we provide.

No method of electronic transmission, storage, or information-security system can guarantee absolute security. Accordingly, while we take reasonable steps to protect information, we cannot guarantee that information will always remain completely secure.

7. How Long Do We Keep Your Information?

We retain information for as long as reasonably necessary for the purposes for which it was collected, including providing Services, maintaining business and transaction records, complying with legal and regulatory obligations, resolving disputes, preventing fraud, and enforcing our agreements.

Retention periods may vary depending on the nature of the information, the Services involved, and applicable legal requirements.

When information is no longer reasonably necessary and we dispose of it, we take reasonable steps appropriate to the nature and sensitivity of the information.

8. Links to Third-Party Sites and Services

Our Websites and Services may contain links to websites, applications, or services operated by third parties.

Those third parties operate independently from Kraftworks and may have their own privacy policies, terms, and practices. We are not responsible for the privacy or security practices of third-party websites or services.

We encourage you to review the applicable privacy policies before providing information directly to a third party.

9. Do Not Track

Some web browsers offer a “Do Not Track” setting intended to communicate that a user does not wish to be tracked across websites.

There is currently no universally accepted standard for how websites should respond to Do Not Track signals. Our Websites therefore do not currently change their practices solely in response to a browser’s Do Not Track signal.

You may use available browser, device, or cookie settings to manage certain tracking technologies.

10. Your Choices and Privacy Requests

You may choose not to provide certain information to us. However, some information may be necessary for us to provide particular Services, process an application, communicate with you, or fulfill a request.

Email Communications

You may unsubscribe from marketing emails by using the unsubscribe link included in the message.

You may continue to receive non-marketing Communications where reasonably necessary to provide requested Services, administer an account or transaction, respond to you, or comply with legal obligations.

Text Messages

You may opt out of SMS Communications by replying STOP to a message. You may reply HELP for assistance.

Privacy Requests

Depending on where you reside and applicable law, you may have certain rights concerning your personal information.

Where applicable, you may contact us to request access to, correction of, or deletion of personal information we maintain about you or to make another privacy-related request.

Requests may be submitted to:

info@kraftworks.app

We may need to verify your identity before processing certain requests. Privacy rights may be subject to exceptions or limitations under applicable law.

11. Children

Our Websites and Services are intended for business users and adults and are not directed to children under the age of 13.

We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13 without appropriate authorization, we will take reasonable steps to delete it.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our Services, business practices, technologies, or legal requirements.

When we make changes, we will update the effective date displayed at the top of this Privacy Policy. Where required or appropriate, we may also provide additional notice of material changes.

We encourage you to review this Privacy Policy periodically.

13. Accessibility

If you would like a printable copy of this Privacy Policy or require it in an alternative format, please contact us at:

info@kraftworks.app

Any downloadable version of this Privacy Policy made available through our Website should reflect the current version published on this page.

14. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or information we maintain about you, please contact:

Kraftworks App Inc.
Email: info@kraftworks.app