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Privacy Policy

Last updated: February 1, 2026

This policy explains what information Southern Ground Capital, LLC collects through sgcapital.io, why we collect it, who we share it with, and the choices you have. It applies to this website and to the loan inquiry, affiliate, and newsletter forms on it.

1. Who we are

Southern Ground Capital, LLC ("SGC", "we", "us") is a private lending firm based in Atlanta, Georgia that arranges and funds business-purpose loans secured by investment real estate. This policy is issued by Southern Ground Capital, LLC as the controller of the information described below.

You can reach us about anything in this policy at loans@sgcapital.io or (678) 842-8084, or by post at Southern Ground Capital, LLC, Atlanta, Georgia, United States.

2. Information we collect

Information you give us. When you submit a loan inquiry, apply, request a resource such as the Fix & Flip checklist, register as an affiliate, or contact us, we collect what you provide. Depending on the form, that may include:

  • Your name, email address, phone number, and business or entity name
  • Property information — address, purchase price, renovation budget, estimated after-repair value, current loan balance, rent, and occupancy
  • Deal information — loan amount sought, program of interest, timeline, and your investing experience
  • Entity documentation you choose to send us, such as articles of organization or an operating agreement
  • Any other information you include in a message to us

Information collected automatically. Like most websites, we and our service providers collect limited technical information when you visit: IP address, browser type and version, device type, operating system, referring page, the pages you view, and the dates and times of those visits. This is used for security, aggregate analytics, and to keep the site working.

Information we do not collect here. We do not collect Social Security numbers, dates of birth, bank account or card numbers, or credit report data through this website. Where information of that kind becomes necessary for a loan that is proceeding, it is collected through a secure channel outside this website and handled under the disclosures provided at that time.

3. Credit

Submitting an inquiry through this website does not authorize a credit pull, and we do not obtain a consumer credit report as part of quoting a deal. If a loan proceeds to underwriting and a credit report becomes necessary, we will tell you and obtain your authorization first.

4. How we use information

We use the information described above to:

  • Evaluate your deal, prepare a quote or term sheet, and respond to your inquiry
  • Underwrite, document, close, and service a loan if one proceeds
  • Send you the resource, checklist, or affiliate materials you requested
  • Send you follow-up communications and, where you have opted in, occasional marketing emails
  • Calculate and pay affiliate referral compensation where applicable
  • Operate, secure, and improve this website
  • Comply with legal, regulatory, anti-money-laundering, and recordkeeping obligations

5. We do not sell your personal information

Southern Ground Capital does not sell personal information, and does not share personal information with third parties for their own independent marketing purposes. We have not sold or shared personal information for cross-context behavioral advertising in the preceding twelve months.

6. Who we share information with

We share information only as needed to do the work you have asked us to do, or where the law requires it:

  • Capital and lending partners. We are a private lending firm that funds loans in partnership with institutional capital sources. Where your deal is placed with a funding partner, the deal and borrower information necessary to underwrite it is shared with that partner.
  • Service providers. Vendors that operate this site and our business on our behalf — website hosting, form processing, email delivery, customer records, document storage, and analytics — under contracts that limit their use of the information to providing those services.
  • Transaction participants. Where a loan proceeds, the appraiser, title or escrow company, insurance agent, and closing attorney involved in that transaction.
  • Legal and safety. Where required by law, subpoena, or regulator, or where necessary to protect our rights, our borrowers, or the public.
  • Business transfer. In connection with a merger, acquisition, financing, or sale of assets, subject to this policy continuing to apply to the information transferred.

7. Cookies and analytics

This site uses a small number of cookies and equivalent browser storage. Some are strictly necessary — for example, remembering that you dismissed the Spanish-language banner so it does not reappear on every page. Others support aggregate analytics that tell us which pages are read and where visitors arrive from.

Most browsers let you refuse or delete cookies through their settings. Blocking cookies will not prevent you from using this site, though minor conveniences such as the dismissed-banner state will not persist. This site does not respond to Do Not Track signals, because no common standard for doing so has been adopted.

8. Marketing emails

If you request a resource or submit an inquiry, we may send you related follow-up communications. Every marketing email includes an unsubscribe link, and you can opt out at any time by using it or by emailing loans@sgcapital.io. Opting out of marketing does not stop transactional messages about a loan you have in progress.

9. Text messages

Where you provide a mobile number and consent to be contacted by text, we may send you messages about your inquiry or loan. Message and data rates may apply. Reply STOP to any message to opt out of further texts. Consent to receive texts is not a condition of any loan.

10. How long we keep information

We keep inquiry information for as long as needed to respond to it and for a reasonable period afterwards in case you return. Where a loan is originated, we keep the loan file for the period required by applicable lending, tax, and recordkeeping law. You may ask us to delete information we are not required to retain.

11. Security

We use commercially reasonable administrative and technical safeguards to protect the information we hold, including encryption in transit across this website. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Please do not send sensitive documents by unencrypted email; ask us for a secure upload link instead.

12. Your choices and rights

You may ask us to access, correct, or delete the personal information we hold about you, or to stop sending you marketing, by emailing loans@sgcapital.io. Residents of states with comprehensive privacy statutes — including California, Colorado, Connecticut, Virginia, Texas, and others — may have additional statutory rights, including the right to know what information is collected and the right to appeal a refused request. We honor these requests regardless of where you live, and we will not discriminate against you for exercising them. We will verify your identity before acting on a request.

13. Children

This site is directed to real estate investors and is not intended for anyone under 18. We do not knowingly collect information from children. If you believe a child has provided us information, contact us and we will delete it.

14. Third-party links

This site links to third-party websites and tools. We are not responsible for their privacy practices, and this policy does not apply to them. Read their policies before providing information.

15. Changes to this policy

We may update this policy from time to time. The effective date at the top of this page reflects the most recent version. Material changes will be signaled by updating that date and, where appropriate, by direct notice.

16. Contact

Questions, requests, or complaints about this policy:
Southern Ground Capital, LLC
Atlanta, Georgia, United States
loans@sgcapital.io · (678) 842-8084