Terms, Disclaimer & Privacy Policy

BANCAVERSE™
DISCLAIMER & PRIVACY POLICY

Effective Date: October 4, 2026

1. Company Structure

Bancaverse™ is a brand owned and operated by WealthVerse LLC, a Wyoming limited liability company.
All business operations, communications, and agreements are conducted under WealthVerse LLC.

WealthVerse LLC is not a bank, credit union, or depository institution.
All references to “Bancaverse,” “we,” “our,” or “the platform” refer to WealthVerse LLC and its affiliates.

2. Nature of Business

Bancaverse™ provides technology-driven solutions for private and commercial lending.
All loans, offers, and connections facilitated through this site are for business or investment purposes only.
We do not arrange, broker, or fund loans for consumer or personal use, nor any loans secured by owner-occupied residences.

Borrowers using this site must confirm that loan proceeds will be used exclusively for business or investment purposes.

3. Licensing and Availability

Bancaverse™ provides business-purpose loan brokerage and referral services in more than 30 U.S. states where no license is required for business-purpose transactions. Availability depends on the property’s state and is confirmed when you submit your deal.

We do not currently serve states that require a lender or mortgage broker license for business-purpose loans.

4. AI and Platform Use

The Bancaverse™ platform utilizes proprietary artificial intelligence and automated systems to assist in:

• Lender matching and eligibility analysis
• Loan packaging and underwriting workflow
• Market analytics and data aggregation

All system outputs are for informational purposes only and do not constitute formal credit decisions or commitments to lend.

5. Data Privacy Policy

5.1. Information We Collect

When you visit our website or submit information through our intake forms, we may collect:

• Personal identifiers (name, email, phone number)
• Business information (company name, project details, property information)
• Financial data relevant to loan evaluation
• Technical data (browser type, IP address, analytics cookies)

We only collect data that is voluntarily provided or necessary to process your loan inquiry.

5.2. How We Use Your Information

We use collected data to:

• Evaluate potential loan scenarios and match borrowers with lenders
• Respond to your inquiries and provide requested information
• Improve our website, analytics, and customer experience
• Maintain compliance with legal and regulatory obligations

We may share necessary data with verified private lenders, institutional investors, or third-party service providers solely for the purpose of evaluating and processing business-purpose loans.

5.3. How We Protect Your Data

We implement commercially reasonable administrative, physical, and technical safeguards to protect your information against unauthorized access or misuse.
We do not sell, lease, or trade user information to unrelated third parties.

Access to your data is limited to authorized employees, contractors, or partners who require it to perform legitimate business functions.

5.4. Cookies and Analytics

Our site may use cookies and third-party analytics tools (such as Google Analytics) to monitor website traffic and improve functionality.
You can disable cookies in your browser settings without limiting access to core site content.

5.5. Communications

By submitting your contact information, you consent to receive business communications via email, SMS, or phone regarding your loan inquiry, application status, or related financial services.
You may opt out of promotional messages at any time.

5.6. Data Retention

We retain business and user data only for as long as necessary to fulfill legitimate business purposes, comply with legal obligations, or resolve disputes. Contact and loan-inquiry data is kept for up to 24 months after our last contact with you, unless you ask us to delete it sooner or a longer period is required by law.

5.7. Your Rights

Depending on your jurisdiction, you may have rights to access, update, or delete your personal data.
Requests can be sent to privacy@bancaverse.com for review and processing.

5.8. Bancaverse™ Private Money App in ChatGPT

What we collect: Calculators, deal snapshots and glossary answers run without storing your inputs. We collect personal data only if you ask our team to contact you and confirm. In that case we collect your name and email, your phone number and preferred contact method if you give them, and the deal details you choose to share (loan type and purpose, loan amount, property value, state, FICO range, timeline and a short summary).

What we never collect: Social Security numbers, government IDs, bank or card numbers, passwords or full credit reports. If entered anyway, our server removes them before anything is stored.

Why: To respond to your request and evaluate your business-purpose loan inquiry.

Who receives it: The Bancaverse team and the service providers we use to run our business (database/CRM, email delivery and workflow automation). Private lenders receive your deal details only when you move forward with your deal. We do not sell your data.

Logs: Our hosting provider keeps standard server logs (IP address, timestamp) for security. The app does not track you across websites.

Retention: Contact-request data is kept for up to 24 months after our last contact with you, unless you ask us to delete it sooner or a longer period is required by law.

Your choices: Using the calculators never sends us your information. To access or delete your data, email privacy@bancaverse.com. Your ChatGPT conversations are governed by OpenAI’s privacy policy.

6. Third-Party Links

This website may include links to external resources or partner websites.
We are not responsible for the privacy practices or content of external sites. Users should review their respective privacy policies before submitting any information.

7. No Warranties

Information on this site is provided for general informational purposes and should not be interpreted as a loan offer, financial advice, or guarantee of approval.
All lending decisions are made by third-party funding partners.

8. Intellectual Property

Bancaverse™ is a pending trademark of WealthVerse LLC.
All other marks, logos, or brand names are the property of their respective owners.
© 2026 WealthVerse LLC. All rights reserved.

9. Terms of Use

These Terms govern your use of bancaverse.com, the Bancaverse AI application and the Bancaverse™ Private Money app in ChatGPT (the “Services”). By using the Services you agree to these Terms and to the Privacy Policy above.

• Business purpose only. The Services are for financing investment or commercial real estate. They are not for consumer loans or loans on a home you live in or plan to live in.
• Educational and preliminary. Calculators, deal snapshots, glossary answers and AI outputs are informational only. They are not a loan offer, approval, pre-approval, commitment or rate quote, and not legal, tax or investment advice. Final terms are set only by a lender after its own review.
• Your information. When you submit a deal or ask us to contact you, you confirm the information is yours and accurate. Do not submit Social Security numbers, bank or card numbers or passwords through our AI tools. Never submit another person’s information without their permission.
• Fees. Bancaverse earns a brokerage fee only if your loan closes, as disclosed in your engagement documents. A lender on some larger commercial or multifamily loans may require a deposit paid directly to that lender.
• Lender confidentiality. Bancaverse keeps its lender network confidential and does not name, recommend or rank lenders through its public tools.
• Acceptable use. Do not misuse the Services, attempt to access non-public systems or data, or use the Services for unlawful purposes.
• Third-party platforms. If you use Bancaverse through a third-party platform such as ChatGPT, that platform’s own terms and privacy policy also apply.
• Limitation of liability. The Services are provided “as is.” To the fullest extent permitted by law, Bancaverse is not liable for indirect, incidental or consequential damages, or for decisions made based on information from the Services.
• Changes. We may update these Terms. Continued use after an update means you accept the revised Terms.

10. Contact

WealthVerse LLC (d/b/a Bancaverse)
Email: privacy@bancaverse.com