Privacy Policy

 Effective Date: April 20, 2025

General

This Privacy Policy applies when you access or use www.panamericanacapital.com, or any other website, online service, or mobile application owned or administered by Panamericana Capital LLC (collectively, the “Services”). Panamericana Capital LLC and its affiliates and related entities (“we,” “us,” or “our”) are committed to protecting the information we collect from you.

This Privacy Policy explains how we collect, store, use, and protect your information—whether directly through your use of the Services or indirectly through third parties—for the purpose of delivering real estate and construction financing products and services. It also outlines your choices concerning your information.

By using the Services, you accept the practices described in this Privacy Policy. We may revise this Privacy Policy at any time by posting an updated version with a new effective date.

USA PATRIOT Act Notice

To help the government combat terrorism financing and money laundering, federal law requires all financial institutions to verify the identity of anyone applying for financing.

When you apply, we will request your name, address, and other personal details. We may also ask to see your driver’s license or other government-issued identification.

Information We Collect

1. Business Information

We collect business-related data, including but not limited to:

Business name and type
Physical and mailing addresses
Email address and phone number
Years in business
Revenue and banking information
Vendor and accounting data
Social media information
Project-specific data
 

2. User Information

We collect personally identifiable information (PII) such as:

Owner’s or principal’s name
Date of birth and Social Security number
Contact details
Credit history or estimated FICO score
You may provide this information by registering, completing forms, applying for products, or communicating with us. We may also collect such data from trusted third-party sources (e.g., credit bureaus, referral partners, public records).

3. General Information

We collect non-personally identifiable data automatically from your device or browser:

IP address, browser type, operating system
Device and network details
Pages visited, time spent, referring/exit URLs
Cookies, pixels, web beacons, and analytics tools
We use cookies and similar technologies (including from partners) to monitor usage patterns and improve functionality across web and mobile platforms. Mobile analytics tools may also collect app usage and performance data.

Use of Information

We use collected information to:

Facilitate product and service delivery
Manage transactions, underwriting, servicing, and collections
Enhance user experience and personalize content
Prevent fraud and ensure compliance
Communicate with users and send notifications
Conduct research and data analysis
Market services and products tailored to user interests
Maintain security and system performance
 

Sharing of Information

We may share Business or User Information with:

Service providers (e.g., cloud storage, fraud prevention, analytics)
Business partners and affiliates under strict privacy agreements
Successors in case of mergers, acquisitions, or restructuring
Legal or regulatory authorities to comply with law or investigations
Parties you authorize through explicit consent
Third parties involved in jointly offered products or services
We may also use or distribute aggregated or anonymized data for business insights, analytics, or external reporting.

Access to Your Information

You can review or update your personal or business information through your Panamericana Capital account portal. To make other changes, please contact us at 

privacy@panamericanacapital.com or call 305.440.4411.

We retain information as long as necessary to maintain your account or fulfill legal and business obligations. Upon request, we will confirm whether we hold any of your personal data.

Your Choices

Email and Marketing Preferences: You can unsubscribe from marketing communications using the instructions in emails or by contacting us directly.
 

Cookies: Most browsers let you manage cookies and tracking preferences. Disabling cookies may limit some features.
 

Mobile Settings: Control location and privacy settings via your device's preferences.
 

To opt out of targeted advertising, visit [opt-out link or service provider reference.

Third-Party Services & Tracking

We may use third-party advertising or analytics partners who collect non-personal data through cookies or web beacons to deliver targeted advertising. We do not currently respond to “Do Not Track” signals. Please refer to your browser’s settings or a third-party opt-out tool for managing ad preferences.

Links to External Websites

Our Services may link to third-party websites or applications. We are not responsible for their privacy practices or content. Your interactions with those platforms are governed by their respective policies.

Security Practices

We protect your data with industry-standard physical, technical, and administrative safeguards, including:

TLS (Transport Layer Security) encryption
Firewalls and secure data centers
Access controls for employees and authorized personnel
Information is stored in U.S.-based secure data facilities. If you have any security concerns, contact us at the address listed below.

Testimonials & Endorsements

With your consent, we may display testimonials along with your name, photo, and business name. To update or remove your testimonial, contact us at privacy@panamericanacapital.com.

Children Under 13

Our Services are not intended for children under the age of 13. We do not knowingly collect data from children. If we become aware of such data, we will delete it immediately.

Social Media Widgets

Our Services may include features such as the Facebook “Like” button or embedded widgets. These may collect your IP address and set cookies. Interactions with these features are governed by the third party’s privacy policy.

Data Retention

We retain your information as long as necessary to provide Services or as required by law. Upon request, we may delete your information unless retention is required for regulatory, legal, or business purposes.

Contact & Requests

To access, correct, or delete your data—or if you have any concerns—please contact:

Panamericana Capital LLC
4300 Biscayne Blvd. Suite 203  Miami, FL 33137
Email: privacy@panamericanacapital.com
Phone: 305.440.4411

Policy Updates

We may update this Privacy Policy to reflect changes in our practices or applicable laws. Material changes will be communicated through our website or via email. We encourage you to periodically review this page for the latest version.