PRIVACY POLICY

Who We Are

The Business Backer, LLC is a Midwest company founded in 2007 on the principals of integrity, honesty and transparency. We are dedicated to helping the small business owner. We respect the privacy and security of our customers, potential customers and visitors to our website. Here, you will learn what personal information of yours is collected, how and when we might use your information, whom has access to your information, and how we protect your information.

What Information is Collected?

When you visit our website you may provide us with two types of information: (1) personal information you knowingly choose to disclose that is collected on an individual basis; and (2) website use information collected on an aggregate basis as you and others browse our website.

1. Information You Choose to Provide

When you request information about our financing products, we may ask you for certain information. Only the information needed to verify your identity and to determine whether or not you qualify for one of our financing products is collected. We review information from your bank statements, credit card statements, your average bank balance, personal and business credit history, tax ID number, social security number, bank account information and payment behavior. If necessary we will arrange a visit to your business to collect information. After you are approved, this information will be used to process your account and to set up the automatic funds transfer processes. Once you are a Business Backer customer, we will update your information as needed should you choose to renew your financing. In addition, if you choose to correspond further with us through e-mail, we may retain the content of your e-mail messages, together with your e-mail address, and our responses. We provide similar protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.

2. Website Use Information

Similar to other commercial websites, our website utilizes a standard technology called “cookies” (see explanation below, “What Are Cookies?”) and web server logs to collect information about how our website is used. When you visit an Internet website, you disclose information about yourself, such as your Internet protocol (IP) address, the time of your visit, and the referring location (e.g., the site or page that offered a link to us). Other information gathered through cookies and web server logs may include the pages viewed, the time spent at our website, and the websites visited just before and just after our website. We, like many other sites, record this basic information about visits to our website. This information is collected on an aggregate basis.

How and When Your Information is Used

1.Personal Information

We use personal information for purposes of administering our business activities and to evaluate and/or provide financing products that may meet your needs. By providing us with the requested information as listed above and in your application, you are granting The Business Backer and our trusted business partners and service providers access to it. Be assured your information is held securely for review by The Business Backer and our trusted business partners and service providers. Should we be unable to provide you with financing, we may share your basic information (Name, Company Name, Phone, Email Address and Requested Amount) with our trusted business partners and service providers.

2.Website Use Information

We use website browser software tools, such as cookies and web server logs, to gather information about the browsing activities of visitors to our website in order to improve our website and better serve our visitors. This information assists us to design and arrange our web pages in the most user-friendly manner and to continually improve our website to better meet the needs of our visitors. We also use this information for purposes of system administration and to report aggregate information.

Cookies help us collect important business and technical statistics. The information in the cookies lets us trace the paths followed by visitors to our website as they move from one page to another. Web server logs allow us to count how many people visit our website and evaluate our site’s visitor capacity.

What Are Cookies?

Cookies are a feature of web browser software that allows web servers to recognize the computer used to access a website. They are small pieces of data that are stored by a user’s web browser on the user’s hard drive. Cookies can remember what information a user accesses on one web page to simplify subsequent interactions with that website by the same user or to use the information to streamline the user’s transactions on related web pages. This makes it easier for a user to move from web page to web page and to complete commercial transactions over the Internet. Cookies are used to make your on-line experience easier and more personalized.

How We Secure Your Information

The privacy and protection of your personal information is vitally important to us. Unfortunately, no data transmission over the Internet can be guaranteed to be completely secure. While we cannot guarantee or warrant the security of any information you transmit to us, The Business Backer values your trust and we utilize bank-level data security: 256 bit-encryption and a Secure Sockets Layer (SSL) protocol to guard your information. This creates an encrypted connection between your browser and our servers. All of the information gathered remains encrypted at all times.

If you allow The Business Backer to see your banking information online rather than in paper form, it is on a read-only basis. We do not have access to change, edit, or modify bank account information in any way. The Business Backer employees cannot view your banking username and passwords, and we securely store them in separate encrypted areas with our financial services providers.

What About Other Websites Linked To Our Website?

We are not responsible for the practices employed by websites linked to or from our website nor the information or content contained therein. Often, links to other websites are provided solely as pointers to information on topics that may be useful to the visitors of our website. Please remember that when you use a link to go from our website to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including websites which have a link to our website, is subject to that website’s own rules and policies. Please read over those rules and policies before proceeding. You should remember that whenever you voluntarily disclose personal information on-line, your information can be collected and used by others.

Your Right to Opt-Out

The Business Backer and our trusted business partners and service providers may contact you to offer you products and services that may be of benefit to you. If you would prefer to opt-out of receiving emails, telephone solicitations or other forms of contact regarding these products and services; please send an email to marketing@businessbacker.com with “Opt-Out” in the Subject line, or a letter by postal mail to:

The Business Backer, LLC
ATTN: Marketing, Opt-Out
10856 Reed Hartman Highway Suite 100
Cincinnati, OH 45242 USA

You must include your full name and business mailing, email addresses and telephone numbers. Once we locate your contact information based on the information you provide us, it will be removed from our mailings lists.