Privacy Policy

Privacy Policy

Introduction

Welcome to https://working-capital-vs-business-loans.laneexplorer.com (hereafter referred to as “Working Capital vs Business Loans,” “we,” or “our”). We are committed to protecting your privacy and ensuring the security of your personal data. This comprehensive Privacy Policy outlines our practices regarding the collection, storage, access, and handling of personal information in adherence to various international privacy laws and regulations, including:

  • Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA)
  • Quebec Law 25 on the protection of personal information
  • The General Data Protection Regulation (GDPR) of the European Union
  • Brazil’s Lei Geral de Proteção de Dados (LGPD)
  • California’s Consumer Privacy Act (CPPA/CRPA) and its related regulations in Colorado (CPA), Utah (UCPA), Connecticut (CTDPA), Virginia (VCDPA), South Africa (POPIA), and other applicable jurisdictions.

Scope

This Privacy Policy applies to all aspects of our online presence, including but not limited to:

Please note that this policy does not cover third-party platforms, apps, products, or services accessible through links on our site. These entities have their own privacy policies governing data collection and use.

Processing Activities

This document outlines the practices we employ when:

  • You utilize our applications and services as an authorized user.
  • You visit our websites linked to this Privacy Policy.
  • You engage with us through communications, including newsletters, emails, phone calls, or texts (SMS).

Personal Data Collection

We collect several types of personal data, which can be categorized as:

  • Account Information: Details associated with your user account, such as usernames, passwords, and profile settings.
  • Payment Information: Data related to transactions, including payment method details, billing addresses, and transaction history.
  • Financial Information: Personal financial records used for loan applications or business operations, such as bank statements, income statements, and balance sheets.
  • Purchase Information: Records of purchases made through our platform, including order numbers, purchase dates, and product details.
  • Mobile Device Identifiers: Unique identifiers from your mobile device, such as IP addresses, device IDs, and location data.
  • Location Data: Geographic tracking information provided by your browser or device when interacting with our services.
  • Feedback: Opinions, suggestions, or comments you share with us through surveys, reviews, or direct communications.
  • Social Media Information: Data from social media platforms when you interact with our content or participate in contests/promotions on these platforms.
  • Product Information: Details about products you view, compare, or purchase on our site.

We gather this data through various methods: user input forms, interaction with our applications and services, automated tracking technologies (e.g., cookies), and information provided by third parties who assist us in delivering our services.

Cookies

Cookies are small text files stored on your browser when you visit our website. They play a crucial role in enhancing your user experience and enabling essential functions:

  • Strictly Necessary Cookies: These ensure basic functionalities like remembering login details, maintaining session continuity, and allowing secure connections.
  • Preference Cookies: Customizing your preferences, such as language settings or display options.
  • Analytics Cookies: Tracking website usage to analyze trends, administer sites, and save user preferences, thereby improving our services.

Users can exercise control over non-essential cookies through our Cookie Manager, allowing them to customize their cookie preferences.

Retention and Deletion

We retain personal data for the duration required by law or for legitimate business purposes. Once this period expires, we implement secure procedures to delete or anonymize the data, ensuring it is no longer linked to your identity.

Security Measures

Working Capital vs Business Loans employs robust security measures to protect personal data from unauthorized access, disclosure, alteration, or destruction:

  • Encryption technologies to safeguard sensitive information during transmission and storage.
  • Access controls and secure protocols to restrict data access only to authorized personnel.
  • Regular security assessments and updates to identify and mitigate potential risks.

Your Rights (Subject to Local Regulations)

Depending on your location, you may have certain rights regarding your personal data:

  • Access: The right to request access to the personal data we hold about you.
  • Rectification: Correcting inaccurate or incomplete personal information.
  • Erasure (Right to be Forgotten): Deleting your personal data upon request, subject to legal exceptions.
  • Restriction: Limiting the use or processing of your data in specific circumstances.
  • Data Portability: Receiving your personal data in a structured, commonly used format and transferring it to another controller.
  • Objection: Objecting to the processing of your data for specific purposes.
  • Non-Discrimination: Ensuring that exercising your rights does not negatively impact your existing relationships with us.

To exercise these rights or seek clarification, please contact our Data Privacy Team at [email protected].

Changes to Policy

We reserve the right to update this Privacy Policy at any time. Any modifications will be posted on this page, and we encourage users to review these changes periodically.

Contact Information

For any inquiries, unsubscribe requests, or questions related to data privacy, please reach out to us via:

  • Email: [email protected]
  • Mail: Working Capital vs Business Loans, Privacy Team, [Street Address], [City, State, Zip Code]