Privacy Policy | Anytime Capital

Last Updated: October 19, 2026

This Privacy Policy describes how Anytime Capital LLC ("Anytime Capital," "we," "our," or "us") collects, uses, shares, and protects personal information about you ("you" or "customer"). It applies to our website at www.anytime-capital.com (the "Site"), the Anytime Capital mobile and wallet applications (the "Apps"), our branch locations, and the products and services we offer through them (together, the "Services").

If you obtain a financial product or service from us for personal, family, or household purposes, our Consumer Privacy Notice also applies to you and is available at https://anytime-capital.com/privacy-notice.

Our Partners

Global Accounts and Anytime Capital Visa® Debit Cards are provided through our partners. Lead Bank is the account and card issuer, and Lightspark Payments LLC is the licensed money transmitter. Each partner collects and uses personal information under its own privacy policy, available at lead.bank/legal/privacy and lightspark.com/legal/privacy-policy.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting a notice on www.anytime-capital.com/privacy or by other means as required by law.

Personal Information We Collect

Personal information is information that identifies you or relates to an identifiable individual. It includes information you provide to us, information collected automatically, and information we obtain from third parties. We may collect:

Identification information: name, Social Security number or taxpayer identification number, date of birth, address, phone number, and email address.
Government identification: passport, driver's license, or state identification card, and photos or video of your face captured during identity verification to match you to your identification.
Financial and transaction information: account balances, transaction history, linked external bank account details, card information, digital asset wallet addresses, and the source and purpose of funds for certain transactions.
Business information: for business customers, information about the business and its owners, officers, and authorized users.
Correspondence: information you provide when you contact us by phone, email, online form, or in person at a branch.
Device and internet activity: IP address, geolocation, device type, operating system, browser, and similar data.
Information from third parties: information from identity verification services, credit bureaus, fraud prevention services, and our account, card, and payment partners.
Usage data: how often you use the Services, the events that occur during use, and aggregated usage and performance data.

We may collect additional information as needed to comply with applicable law. Questions about the information we collect can be sent to members@anytime-capital.com.

Children's Personal Information

The Services are not designed for anyone under 18. We do not knowingly collect personal information from or provide Services to anyone under 18. If we learn that a user is under 18, we will close the account and take steps to delete the information as soon as possible.

How We Use Personal Information

We use personal information to:

Maintain legal and regulatory compliance, including verifying your identity under anti-money laundering laws and managing risk as required by law.
Enforce our Terms of Service and other agreements, and investigate and prevent prohibited activity.
Detect and prevent fraud and protect you from account compromise and loss of funds.
Provide the Services, including the accounts and cards we provide through our partners, and process transactions.
Send service communications, such as account notices, security alerts, and transaction receipts. If you opt out of texts or calls, we will continue to send required account and security notices by email or in the app.
Provide customer support and resolve questions and disputes.
Maintain quality through quality control and staff training.
Protect network and information security.
Research and improve the Services, including the content and layout of the Site and Apps.
Personalize your experience and apply the preferences you choose.
Send marketing, based on your communication preferences and as permitted by law.
Carry out any other purpose you consent to.

How We Share Personal Information

We share personal information only as described below:

Account, card, and payment partners: Lead Bank, which issues accounts and cards; Lightspark Payments LLC, the licensed money transmitter; and the card networks and payment processors that help us provide your accounts and cards and process your transactions.
Identity verification and fraud prevention providers, including Sumsub, which verifies your identity and processes the images and the facial geometry scan described in Biometric Information.
Service providers under contract that support our operations, such as hosting, communications, analytics, and customer support.
Law enforcement and government authorities, in response to a subpoena, court order, or other legal requirement, or to report suspected illegal activity as required by law.
Business transfers, in connection with a merger, acquisition, or sale of assets.
Anyone else with your consent.

We require the companies we share with to protect personal information appropriately.

Summary of Categories

Category	Examples	Sources	Why we use it	Who receives it
Identifiers	Name, address, email, phone, Social Security number, account numbers, IP address	You, verification providers, your device	Verify identity, provide the Services, comply with law, security	Partners, verification providers, service providers, authorities
Government ID and biometric data	ID images, facial images, facial geometry scan	You, our verification provider	Verify identity, prevent fraud	Verification provider, and Partners as needed
Financial and transaction data	Balances, transactions, linked accounts, card data, wallet addresses	You, Partners, payment and card networks, blockchains	Provide the Services, comply with law, prevent fraud	Partners, processors, authorities
Personal characteristics	Date of birth, age, citizenship	You	Eligibility and verification	Verification providers, Partners
Commercial information	Products used, purchase and trade history	You, the Services	Provide and improve the Services, marketing	Service providers
Internet and device activity	Pages viewed, device ID, browser, cookies	Your device, cookies	Security, analytics, advertising	Analytics and advertising providers
Geolocation	Approximate location from IP; precise location with your permission	Your device	Fraud prevention, Restricted Locations	Fraud prevention providers
Audio and electronic records	Call recordings, chat logs	You	Support, quality, compliance	Service providers
Professional and business information	Occupation, employer, business ownership and activity	You	Customer and business due diligence	Partners
Inferences	Fraud and risk scores	Our analysis and providers	Fraud prevention, compliance	Partners, fraud prevention providers

Selling and Sharing Personal Information

We do not sell your personal information for money, and we do not share it with nonaffiliated companies for their own marketing. The advertising tags on our public pages, before you sign in, may count as "sharing" for targeted advertising under some state laws, such as California's. You can opt out through the "Do Not Sell or Share My Personal Information" link at the bottom of our website, or by turning on Global Privacy Control in your browser.

Applies to this browser immediately. No account or form needed.

Marketing Communications

Based on your preferences, we may send you marketing emails, texts, or app notifications about our products, events, and offers. You can opt out of marketing at any time by using the unsubscribe link in an email, turning off marketing texts and calls in Account Settings, emailing members@anytime-capital.com, calling (470) 748-2530, or any other reasonable method. Opting out of marketing does not stop service communications. Replying STOP to a text stops all calls and texts to that number, as described in Calls and Text Messages, and we will continue to send required account and security notices by email or in the app.

Advertising and Analytics

We use analytics tools and advertising technologies, such as pixels and tags from advertising platforms, on our public pages before you sign in, to understand how the Site is used and to show you Anytime Capital ads on other websites and apps. These tools do not run on pages you see after signing in, including your account, card, and transfer pages. They may collect device and activity information. You can limit interest-based advertising through your browser and device settings, the settings of the advertising platforms you use, and industry opt-out tools such as those offered by the Network Advertising Initiative and the Digital Advertising Alliance. We treat a Global Privacy Control signal from your browser as a request to opt out of the sale or sharing of personal information and targeted advertising. We do not respond to other "Do Not Track" signals.

Biometric Information

During identity verification, our identity verification provider, Sumsub, captures images of your face and your identification and creates a facial geometry scan to confirm that you are the person shown on your identification. The facial geometry scan is "Biometric Information." We ask for your consent before any capture. We and our provider use Biometric Information only to verify your identity and prevent fraud. We do not sell, lease, trade, or otherwise profit from Biometric Information. We permanently destroy Biometric Information when the purpose for collecting it has been satisfied or within three years after your last interaction with us, whichever comes first, unless a longer period is required by law or legal process. The images of your face and your identification are identity verification records, and we keep them as described in Data Retention. We protect Biometric Information with a standard of care at least as protective as the one we use for other sensitive information.

Automated Decisions

We use automated tools, including fraud and risk scoring, to help decide whether to approve applications and transactions. These tools may result in an application being declined or a transaction being held for review. If you believe an automated decision about you was wrong, contact us and we will review it.

Cookies

When you use the Site, we and the companies we work with may place cookies or use similar browser storage on your device. These help us keep you signed in during a session, remember your email address on the login page when you choose "Remember my email," measure how the Site is used, and support fraud prevention. You can set your browser to notify you of cookies, block them, or delete them. Blocking our cookies may limit some features of the Site. Third-party websites or applications you access through the Services may place their own cookies.

How We Protect Information

We use industry-standard safeguards, including firewalls, data encryption, physical access controls, and access limited to employees who need information to do their jobs. No method of transmission or storage is completely secure, but we work to protect your information.

Data Retention

We keep personal information as long as needed for the purpose it was collected and to meet our legal and contractual obligations. As a FinCEN-registered Money Services Business, we retain information collected to identify and verify customers for at least five years after an account is closed or becomes dormant. Records we must keep under the Bank Secrecy Act and anti-money laundering laws cannot be deleted on request. Our partners may keep records longer under their own policies.

Calls and Text Messages

Anytime Capital Alerts is our text and call program. We ask for two separate consents when you give us your mobile number.

Account and security messages. By entering your mobile number and tapping Continue at signup, or by turning these messages on in Account Settings, you agree that Anytime Capital LLC and service providers acting on our behalf may call and text you about your account, transactions, security and fraud, including using automated technology and prerecorded or artificial voice messages.

Marketing messages. We send marketing calls and texts only if you check the separate marketing box at signup or in Account Settings. Consent to marketing is not a condition of opening an account, obtaining a card, or buying any product or service.

Message frequency varies. Message and data rates may apply. Reply HELP for help.

Opting out. You can opt out at any time by replying STOP, QUIT, END, CANCEL, UNSUBSCRIBE, REVOKE or OPT OUT to any text, emailing members@anytime-capital.com, calling (470) 748-2530, or any other reasonable method. We honor every opt-out within 10 business days. An opt-out stops all calls and texts to that number, and we will continue to send required account and security notices by email or in the app. You can turn texts back on in Account Settings.

Your number. You confirm you are the subscriber or customary user of the number you give us and will tell us if it changes. A wrong-number report stops messages to that number immediately.

Records. We keep a record of each consent and opt-out for at least four years.

We do not share mobile phone numbers, SMS opt-in data or consent with third parties or affiliates for marketing or promotional purposes.

Your Privacy Rights

Depending on where you live, you may have the right to access, correct, delete, or obtain a copy of your personal information, and to opt out of targeted advertising, the sale of personal information, or profiling that produces legal or similarly significant effects. Many state privacy laws do not apply to information covered by the Gramm-Leach-Bliley Act, and some do not apply to Anytime Capital; where they apply, we honor these rights.

How to make a request. Email members@anytime-capital.com or call (470) 748-2530 with your name, the email address on your account, and your request. We will verify your identity before responding, which may require you to confirm information we already have. You may use an authorized agent, and we may require proof of the agent's authority. We will respond within the time required by law, generally 45 days.

Appeals. If we decline your request, you may appeal by replying to our decision within 60 days. We will respond to your appeal within the time required by law. If we deny your appeal, you may contact your state attorney general.

We will not discriminate against you for exercising your privacy rights.

California Privacy Rights

If you are a California resident, this section supplements the rest of this Privacy Policy.

Notice at collection. The Summary of Categories above describes the categories of personal information we collect, their sources, why we use them, and who receives them. We keep each category for as long as described in Data Retention.

Your rights. You have the right to know what personal information we collect, use, and disclose; to delete personal information; to correct inaccurate personal information; to opt out of the sale or sharing of personal information; and to limit our use of sensitive personal information. We use sensitive personal information only for purposes permitted by law, such as verifying your identity, preventing fraud, and providing the Services.

Sale and sharing. We do not sell personal information for money. The advertising tags on our public pages before sign-in may count as sharing; you can opt out through the "Do Not Sell or Share My Personal Information" link or a Global Privacy Control signal. To request deletion, email members@anytime-capital.com or call (470) 748-2530, and we will respond within 45 days. We do not knowingly sell or share the personal information of consumers under 16.

Financial information. Personal information we collect under the Gramm-Leach-Bliley Act and the California Financial Information Privacy Act is covered by our Consumer Privacy Notice and is not subject to these California rights.

Shine the Light. We do not share personal information with third parties for their own direct marketing.

Making a request. Email members@anytime-capital.com or call (470) 748-2530. You, or an agent registered with the California Secretary of State, may make a request, including on behalf of your minor child. You may make a request for access or portability twice in a 12-month period.

Vermont Privacy Rights

If you are a Vermont resident, we will not share your personal information with a nonaffiliated third party except as necessary to effect, administer, or enforce a transaction you requested or authorized, or as otherwise permitted by the Vermont Privacy of Consumer Financial and Health Information Regulation. Neither Anytime Capital nor its affiliates will obtain information about your creditworthiness without your consent.

Third-Party Links

The Services may link to websites and services we do not control. This Privacy Policy does not apply to them, and we encourage you to review their privacy policies.

Security Incidents

If a security incident affects your personal information, we will notify you and the appropriate authorities as required by law.

Accessibility

If you need this Privacy Policy in an alternative format, contact us at members@anytime-capital.com.

Contact Us

Questions about this Privacy Policy can be sent to members@anytime-capital.com, by phone at (470) 748-2530, or by mail to Anytime Capital LLC, 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324.

Consumer Privacy Notice

Rev. October 19, 2026

FACTS	WHAT DOES ANYTIME CAPITAL LLC DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and date of birth Account balances and transaction history Government identification and contact information When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Anytime Capital chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Anytime Capital share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account, respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes — information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes — information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?	Email members@anytime-capital.com or call (470) 748-2530. For questions or opt-out requests about your Global Account or Anytime Capital Visa® Debit Card, you can also call Lightspark at (855) 516-0103.

Who We Are

Who is providing this notice?	Anytime Capital LLC. Global Accounts and Anytime Capital Visa® Debit Cards are provided through our partners: Lead Bank, the account and card issuer, and Lightspark Payments LLC, the licensed money transmitter. Their privacy policies are at lead.bank/legal/privacy and lightspark.com/legal/privacy-policy.

What We Do

How does Anytime Capital protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Anytime Capital collect my personal information?	We collect your personal information, for example, when you: open an account or give us your contact information add money to or send money from your account, or use your card buy or sell digital assets We also collect your personal information from others, such as identity verification services such as Sumsub, credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes — information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

How does Anytime Capital protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Anytime Capital collect my personal information?

We collect your personal information, for example, when you:

open an account or give us your contact information
add money to or send money from your account, or use your card
buy or sell digital assets

We also collect your personal information from others, such as identity verification services such as Sumsub, credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only:

sharing for affiliates' everyday business purposes — information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Anytime Capital does not share with affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Anytime Capital does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Anytime Capital does not jointly market.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Anytime Capital does not share with affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Anytime Capital does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Anytime Capital does not jointly market.

Other Important Information

Vermont residents: We will not share information about you with nonaffiliated third parties, except as permitted by Vermont law, without your consent.

California residents: We will not share information about you with nonaffiliated third parties, except as permitted by California law, without your consent.

Calls and texts: You can opt out of our calls and texts at any time by replying STOP to any text, emailing members@anytime-capital.com, calling (470) 748-2530, or any other reasonable method. See "Calls and Text Messages" in our Privacy Policy.