What Information is Collected?
When you visit our website or contact us to learn about or apply for our products and services we will collect business and personal information you disclose to us, including information collected while you browse our website, or that we collect from other sources about you.
Information We Collect About You
Our primary goal in collecting business and personal information from you is to provide you with efficient, accurate, and customized financial products and services. Your information also helps us personalize and improve your customer experience with us. We collect personal and business information we need to verify your identity, determine whether or not you qualify for one of our products or services and if so, to provide you with that product or service. We collect and use the following categories of information:
- Information we receive from you on applications or other forms, such as transaction documents, sales documents, online forms, e-mails, registration forms, or other documents or submissions related to the products and services we provide, including your name, your business name, address, telephone number, social security number, email address, employment information, bank account information and information about your income, driver’s license, voided checks, your transactions with us or others including your account history, transaction balances, payment history, overdraft history, parties to transactions, and your reasons for doing business with us.
- Information we receive from third parties, such as other lenders, credit reporting agencies and third party data providers regarding your and your business’s creditworthiness and credit history, and to verify the existence and good standing of your business.
- Information we obtain to verify representations made by you, such as your legal entity type and employee identification number and/or taxpayer identification number and social security number and phone number and email address.
- Information you provide when you contact us, including when you communicate with us via email and telephone (including voice recordings of your phone calls with us).
- Other information about your business such as legal entity type, industry, years in business, EIN/TIN, number of employees, annual gross revenue, bank account information, or that is otherwise publicly available.
- Website Information such as information obtained from Web page http headers (home server domain names, IP address, type of client computer, type of Web browser user specific or aggregate, we receive from our web pages recording visitor’s access); see below for more information on Website Information.
If you are approved for one of our products or services, this information will be used to service your account and to set up the automatic funds transfer processes. Once you are our 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 will retain the content of your e-mail messages, together with your e-mail address, and our responses.
If at any time, you need to make changes to the personal information you have provided us, you may do so by contacting us at 866.615.4747.
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 or services that may meet your needs. By providing us with the requested information as listed above and in your application, you are granting us and our service providers and trusted business partners to access to it.
We share your information with our service providers for the following purposes: performing services or offering products on our behalf such as processing credit applications, servicing credit and other financial products, collections, and/or marketing and advertising; counting ad impressions; auditing; detecting security incidents; preventing and detecting fraud/identity theft; debugging and repairing functionality; undertaking internal research for technological development; undertaking activities to verify or maintain the quality or safety of our products and services; and to perform professional services such as accounting, tax, legal, compliance underwriting, analytics, collections, customer support and other similar routine functions.
As a subsidiary of Enova International, Inc. (“Enova”), we may share your information with Enova or its affiliated entities for business purposes, such as financial reporting. Should you apply to Enova or its affiliated entities for a financial product or service, we may share your application status, borrowing history, and loan performance.
Should we be unable to provide you with financing, we may share your information with other trusted businesses.
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 information about visits to our website.
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, reporting on aggregate information, marketing analytics and other similar purposes.
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. You can manage cookies through settings on the browser on your device and in the case of analytics cookies by going to the opt-out pages specified below.
Managing Analytics Cookies and Similar Technologies
You can opt-out of having your browsing history and activity within our websites or applications recorded by analytics cookies. We use the following service providers and you can learn more about their privacy policies and how to opt-out of their analytics cookies by clicking on following links:
How We Secure Your Information
The privacy and protection of your personal information is very important to us. We value 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 us 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 with your bank in any way. Further, our employees cannot view your banking username and passwords.
What About Other Websites Linked To Our Website?
Your Right to Opt-Out
We and our trusted business partners 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 firstname.lastname@example.org 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
Blue Ash, OH 45242 USA
You must include your full name and business mailing, email addresses and telephone numbers. If you wish to opt-out of receiving only certain types of communications described above (e.g., email, telephone, other forms of contact) but wish to receive offers by way of other communications, please specify the methods by which you no longer wish to receive communications (e.g., email, phone, etc.). Once we locate your contact information based on the information you provide us, it will be removed from our lists based on the preferences you have specified.
In the context of business to business transactions, the California Consumer Privacy Act and its regulations (“CCPA”) give a natural person who is a California resident the right to opt-out of the sale of their personal information by businesses.
You can submit an opt-out request online, by going to our CCPA Opt-Out page. You may also "Opt-Out" by calling us at 866.615.4747.
Whichever method you choose, you will be required to provide:
- Your full name
- Your phone number
- Your address
- Your year of birth
- Last four digits of your social security number
- If applicable, the power of attorney signed by the individual authorizing you request an Opt-Out
In order to fulfill your request, will endeavor to verify your identity by matching the information you provide with the information we have in our systems. To designate an authorized agent to submit an opt-out request on your behalf, please send us via the CCPA Opt-Out page a written authorization signed by you authorizing the agent to make the request on your behalf and which contains the name and contact information of you and your authorized agent.
If we are able to verify your identity, we will cease the sharing of information with trusted businesses described above. We will notify all third parties to whom we have sold your within 90 days prior to our receipt of your request that you have exercised your right to opt-out and instruct them not to further sell your information. We will notify you once this has been completed.
Revision Date: 10/14/2020