1. Information We Collect
1.1 Personal Information
We collect personal information that you provide to us when applying for a business loan or using our services, including:
- Full name, address, phone number, and email address
- Social Security Number and date of birth
- Driver's license or other government-issued identification
- Employment history and income information
- Credit history and financial information
1.2 Business Information
We collect information about your business operations, including:
- Business name, address, and contact information
- Federal Tax ID (EIN) and business registration details
- Business bank account information
- Financial statements, tax returns, and business records
- Revenue, expenses, and cash flow information
- Industry type and business operations details
1.3 Technical Information
When you visit our website or use our services, we automatically collect:
- IP address, browser type, and operating system
- Pages visited and time spent on our website
- Referring website and search terms used
- Device information and mobile identifiers
- Cookies and similar tracking technologies data
2. How We Use Your Information
2.1 Primary Uses
We use your information for the following primary purposes:
- Processing and evaluating your loan application
- Verifying your identity and business information
- Conducting credit checks and risk assessments
- Communicating with you about your application and loans
- Funding approved loans and managing repayments
- Providing customer support and service
2.2 Secondary Uses
We may also use your information to:
- Improve our services and website functionality
- Develop new products and services
- Conduct market research and analysis
- Send you marketing communications (with consent)
- Comply with legal and regulatory requirements
- Protect against fraud and unauthorized access
3. Information Sharing and Disclosure
Important Note
We do not sell, rent, or trade your personal information to third parties for their marketing purposes without your explicit consent.
3.1 Third-Party Service Providers
We may share your information with trusted third-party service providers who assist us in:
- Credit reporting and background checks
- Identity verification and fraud prevention
- Payment processing and banking services
- Technology infrastructure and data storage
- Marketing and customer communication services
- Legal and professional advisory services
3.2 Legal Requirements
We may disclose your information when required by law or to:
- Comply with court orders, subpoenas, or legal processes
- Respond to government investigations or regulatory requests
- Protect our rights, property, or safety
- Prevent fraud or illegal activities
- Enforce our Terms and Conditions
4. Data Security and Protection
4.1 Security Measures
We implement comprehensive security measures to protect your information, including:
- 256-bit SSL encryption for data transmission
- Secure, encrypted data storage systems
- Multi-factor authentication for system access
- Regular security audits and vulnerability assessments
- Employee training on data protection protocols
- Restricted access to sensitive information
4.2 Data Retention
We retain your information for as long as necessary to:
- Provide services and manage your loan
- Comply with legal and regulatory requirements
- Resolve disputes and enforce agreements
- Maintain business records as required by law
5. Your Privacy Rights
5.1 Access and Correction
You have the right to:
- Access your personal information we maintain
- Request corrections to inaccurate information
- Update your contact preferences
- Request deletion of certain information (subject to legal requirements)
5.2 Marketing Communications
You can control marketing communications by:
- Opting out of email marketing using unsubscribe links
- Contacting us to update your communication preferences
- Choosing not to receive promotional materials
6. Cookies and Tracking Technologies
6.1 Types of Cookies
We use several types of cookies and tracking technologies:
- Essential Cookies: Required for website functionality
- Analytics Cookies: Help us understand website usage
- Preference Cookies: Remember your settings and preferences
- Marketing Cookies: Support targeted advertising (with consent)
6.2 Cookie Management
You can manage cookies through your browser settings, though disabling certain cookies may affect website functionality. Most browsers allow you to refuse cookies or alert you when cookies are being sent.
7. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will take steps to delete such information promptly.
8. California Privacy Rights
California residents have additional rights under the California Consumer Privacy Act (CCPA), including:
- Right to know what personal information is collected
- Right to delete personal information
- Right to opt-out of sale of personal information
- Right to non-discrimination for exercising privacy rights
9. International Users
Our services are primarily intended for users in the United States. If you are accessing our services from outside the U.S., please note that your information may be transferred to and processed in the United States, which may have different privacy laws than your jurisdiction.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.
11. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Material changes will be communicated via email or prominently posted on our website. Your continued use of our services after changes constitutes acceptance of the updated policy.
12. Contact Information
If you have questions about this Privacy Policy or how we handle your information, please contact us:
- Address: 9850 Von Allmen Court, Louisville KY 40241
- Phone: +1 (502) 520-7687
- Email: [email protected]
- Business Hours: Monday - Friday: 9:00 AM - 6:00 PM EST
