Financing Solutions LLC (“FS” or “Us” or “We”) is concerned about protecting the privacy of your information. We have put strict policies into place to ensure that the privacy of your personal information is protected while still enabling you to make use of our website (the “Site”) or other products or services provided by FS (collectively with the Site, the “Services”). We use information collected about you through the use of the Services or on the Site solely for the purposes set out in this policy.
What information do we collect?
We collect information from you when you register for our service. “Information” generally means information that may be used, alone or in combination with other information, to personally identify a business or individual.
This information includes, but is not limited to, your name, e-mail address, mailing address, phone number, social security number and bank account information, and your photograph and related information (for identity verification purposes as further detailed below). Personal information does not include publicly available information or information that has been de-identified, aggregated, or in a form that is not capable of being associated with or linked to you.
We also collect information regarding our transactions and experiences with you, including your payment history. We may also collect information from third parties’ websites or applications as specified in this policy. We may also collect information automatically through the use of cookies and other technologies, as outlined below.
If you provide any personal information about any business personnel, administrators, employees, owners, and other authorized persons you must first obtain their consent to disclose such information to us. You must inform all such other persons how we process personal information and all other terms of this Privacy and Security Policy.
What do we do with the information we collect?
Any of the information we collect from you may be used in one of the following manners:
- To compile, save, use, and analyze your information in both a personally identifiable form and an aggregated, non-personally identifiable form;
- To operate, maintain, improve, and provide our Services to you, conduct our business, and process transactions;
- To verify your identity;
- To register you as a user and identify you when you sign-in to your account;
- To conduct background checks and determine your eligibility for our products;
- If you are approved for an account, or other product, to process, service, and otherwise manage your banking or financing arrangement;
- To personalize your experience and improve customer service (your information helps us to better respond to your individual needs, your service requests, to send marketing communications and send account update notifications);
- To provide you with information about our products, services, third party offers, and other opportunities that may be of interest to you, including on other platforms and with our third party lending and banking partners, and to personalize, measure, and improve such offers;
- To develop and improve the Site.
- To detect and guard against potential fraud, identity theft, security incidents, or other illegal activity; and
- To comply with our legal obligations; respond to subpoenas, court orders, or legal process; and to establish or exercise our legal rights or defense against legal claims.
Security or how do we protect your information?
We take security very seriously and have developed a comprehensive set of practices, technologies, and policies to help ensure your data is secure. We take your security and privacy seriously and make it a priority. Accordingly, we use advanced security technology and implement a variety of security measures to maintain the safety of your personal information.
More specifically:
- All of our communications and processing occur through Secure Socket Layers (SSL) technology, which ensures such information is encrypted and secure. Such information is stored in our secure database which is only accessible to FS employees and representatives with access rights. These individuals are required to keep the information confidential.
- To help prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
- We also use the services of leading companies to process all financial transactions.
While we strive to protect your personal information and use commercially acceptable means to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. Therefore, FS cannot ensure the absolute security of any data or content you transmit to us.
In the event of a suspected breach of the security of your personally identifiable information, we will, to the extent required by law, notify you so you can take appropriate protective steps and to inform you of the steps that FS is taking with respect to any such suspected breach.
Do we use cookies?
As is true of most platforms, we use tracking technology (i.e., cookies and similar technologies) which help us make the Site and our services more user-friendly, efficient, and secure. We may use such technology for advertising purposes, including to serve ads on other platforms based on your browsing history and other online behavior. Cookies will not harm your computer or mobile device and do not contain viruses.
If you prefer not to accept cookies, you can opt out of certain cookies in one of the following ways:
- By browser. Most browsers allow you to (1) require that the browser notifies you and lets you choose whether to accept or reject a cookie, (2) disable existing cookies, and/or (3) set your browser to automatically reject cookies. If you wish to reject cookies across all browsers you use, you will need to do this on each browser on each device you use.
- DAA. The Digital Advertising Alliance (DAA) offers tools to opt out of receiving interest-based online advertisements on your browser from parties that participate in the DAA program. You can follow the instructions at www.aboutads.info/choices, Blocking cookies may negatively impact your experience on the Site. Additionally, you may still receive ads, though they should not be based on your interests. We are not responsible for the effectiveness of, or compliance with, any third parties’ opt-out options or programs.
Do we disclose any information to outside parties?
We may provide your information to our trusted business partners who assist us in operating the Site, conducting our business, or servicing your account, so long as those parties agree to keep this information confidential. In addition, we may disclose our transactions and experiences with you to credit bureaus.
Below are the following categories of third parties with whom we may share your information:
- Affiliates, subsidiaries, advisors, and agents;
- Our service providers, which may include advertising and marketing companies, social media companies, technology companies, background check and screening companies, fraud prevention agencies, and credit bureaus;
- Entities with which we have a business relationship, which may include our partners and collection agencies;
- Third party lending and banking partners;
- Third party advertising platforms that enable us to serve targeted digital ads to you about our products and services (“Third Party Advertising Platforms”);
- Regulators, government entities, and law enforcement;
- Any other third party with your prior consent to do so.
In addition, we may also disclose your information:
- As required by law, such as to comply with a subpoena, judicial or administrative order or warrant, and/or any similar legal process;
- When we believe in good faith that disclosure is necessary to (i) protect our rights or the rights of third parties, (ii) protect our property and safety or the property and safety of others, or (iii) investigate fraud or respond to a request from a governmental entity;
- In connection with the sale of delinquent debt for collections purposes; or
- With third parties in de-identified or aggregated form for marketing, advertising, research, or other business purposes.
Text messaging originator opt-in data and consent will not be shared with any third parties.
Using Third Party Services and Data Retention
You allow us to receive information when you use the Services to log in to a third party website or application (e.g., Facebook, Twitter, or LinkedIn) (the “Third Party Platform”). Please note that we retain the information we receive from your personal profile on the Third Party Platform while you are logged-in to the Services and even after you have logged-out from the Services if such retention is reasonably necessary to enforce this policy and our Terms of Use, in our sole discretion.
FS retains personal information for only as long as is needed to deliver the products and services for which it was collected, as consistent with your expressed preferences, or as otherwise needed to achieve the purposes described in this Privacy and Security Policy or required by law. Users may request to delete data consistent with the rights described throughout this Privacy and Security Policy.
DMV INFORMATION
We may collect information about you from state departments of motor vehicles (“DMVs”) for use in the normal course of business to verify the accuracy of information you may submit to us. We may redisclose such DMV information only for a permitted use, including for collection purposes.
Partner Policies
From time to time, FS may help you obtain products or services from other banks or lending partners. Any information you provide other banks or lending partners will be subject to their privacy practices and terms and conditions.
Use by Minors
We do not knowingly collect personal information from anyone under the age of 13. If we learn of such information, we will delete it as quickly as possible. If you believe we may have such information, please contact us.
Biometric Information and Retention Policy
This section applies to any individuals about whom we have collected biometric data, including through your use of our Site or by using our Services (collectively, “you”). As used in this Privacy and Security Policy, biometric information includes “biometric identifiers” and “biometric information” as defined under applicable federal, state, and local laws, including the Illinois Biometric Information Privacy Act (“BIPA”), 740 ILCS § 14/10, the Texas Statute on the Capture or Use of Biometric Identifiers, Tex. Bus. Code § 503.001, and the Washington Biometric Privacy Law, RCW 19.375.010 et seq.
FS and its vendors will not sell, lease, trade, or otherwise profit from your Biometric Data; provided, however, that our vendors may be paid for products or services used by us that utilize such Biometric Data. FS will not otherwise disclose, re-disclose, or disseminate Biometric Data unless the disclosure:
- Is consented to by the individual or the individual’s legally authorized representative;
- Is required by applicable law; or
- Is required pursuant to a valid warrant or subpoena issued by a court of competent jurisdiction.
Except as described in this Privacy and Security Policy, FS and its vendors will retain such Biometric Data only until, and will request that our vendors permanently destroy such biometric information when, the first of the following occurs:
- The initial purpose for collecting or obtaining such biometric information has been satisfied;
- Within three (3) years of your last interaction with us.
FS will store, transmit, and protect from disclosure any Biometric Data collected in a manner that is the same as or more protective than the manner in which FS stores, transmits, and protects from disclosure other confidential and sensitive information.
Links to Other Websites
The Site may offer links to websites of other companies and associations. We are not responsible for the privacy practices or consent of such third party websites. These external websites are not subject to this Privacy and Security Policy, and we have no control over their content. Please carefully review the policies of these websites before providing any personal information.
Governing Law
You agree that this policy is governed by and will be enforced in accordance with the laws of the State of Nevada without regard to conflict of laws hereof.
Changes to our Privacy and Security Policy
We may make changes to this Privacy and Security Policy, and we encourage you to regularly check this page to review any changes we may make. You understand that you will be deemed to have accepted an update if you continue to use the Site and Services after any update takes effect. If any material changes are made to this Privacy and Security Policy, advance notice may be posted on the Site.
Contact Us
If you have any questions about this Privacy and Security Policy or wish to exercise one of your privacy rights, please contact us using the following information:
Email [email protected]
P: 862 207 4118