Privacy Policy
Last Updated: December 24, 2023
I. INTRODUCTION
Biz2Loan.com ("Biz2Loan," "we," "our," or "us") operates an online platform that provides access to information about various financial services and products. We value your privacy and are committed to safeguarding it through our compliance with this privacy policy, along with the Privacy Notice for USResidents (the "Policy").
This Policy describes the types of information we may collect from you or that you may provide when you use the website at www.biz2loan.com, including subdomains (our “Website”) and our related services (the “Services”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.
This Policy applies to information we collect:
- On this Website.
- In email, text, and other electronic messages between you and this Website and between you and the Company.
- When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this Policy.
- When you interact directly with us offline or through other means.
It does not apply to information collected by any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website or through any communication that you may have with one of our partners, such as a financial service provider.
Please read this Policy carefully to understand our policies and practices regarding your information and how we will treat it. IF YOU DO NOT WANT TO AGREE TO OUR POLICIES AND PRACTICES, DO NOT USE OUR WEBSITE OR ANY OF OUR SERVICES. By accessing or using this Website or any of our Services, you agree to this Policy. This Policy may change from time to time (see CHANGES TO OUR PRIVACY POLICY below). Your continued use of this Website or any of our Services after we make changes is deemed to be acceptance of those changes, so please check the Policy frequently for updates. Any capitalized terms not defined in this Policy have the definitions assigned to them in our Terms of Use [biz2loan.com/terms-conditions].
Please note: Our Website and Services are intended to be accessed and used only by adults and are not offered or directed to minors. We do not knowingly collect personally identifiable information by anyone under the age of 18, and you should not provide us with any information regarding an individual under the age of 18.
INFORMATION WE COLLECT ABOUT YOU AND HOW WE COLLECT IT
Personal Information Collected. We may collect personally identifiable information (“Personal Information”) to use as part of our Service. This Personal Information may include, but is not limited to:
- name, postal address, e-mail address, telephone number; and/or
- any other identifier by which you may be contacted online or offline.
Other Information Collected. We may also collect the following information (together with Personal Information, “User Information”):
- information about you but individually does not identify you, such as your income and your credit score;
- information that you choose to provide about a third party that is not seeking financial information; and/or
- information about your internet connection, the equipment you use to access our Website and usage details.
You may still access and use our Website and Services if you choose not to provide us with any of the above User Information, but some of our Website features and Services may not be available to you and may not be as accurate or complete.
You may provide information about other people, such as their name and email address. This information is used for whatever reason it may have been provided. The third party may contact us at support@biz2loan.com to request that we remove this information from our database.
We collect this information:
- Directly from you when you provide it to us.
- Automatically as you navigate through the Website. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
- From third parties, for example, financial service providers that we partner with to provide you with information about certain financial products and services. The information that we receive from these third parties will depend on the policies of that third party service.
Information You Provide to Us. The User Information we collect on or through our Website or Services may include:
- Information that you provide by filling in forms on our Website. This includes information provided at the time of requesting a match to specific financial service providers, or posting material. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Website or Services.
- Records and copies of your correspondence (including email addresses), if you contact us.
- Your responses to surveys that we might ask you to complete for research purposes.
- Details of transactions you carry out through our Website or any of our Services.
- Your search queries on the Website.
The information you will need to submit in order to receive specific quotes and rates about financial services and products will be submitted on a third party service provider website, and will not be collected by the Company, unless such third party chooses to provide the information to the Company, as specified above. The collection and use of the information will be governed by the privacy policies of the financial services providers, and not this Policy. If you submit such request to a financial service provider, you may be contacted directly via mail, telephone, text message, fax, email and other means of communication by such service provider. You may receive telemarketing calls, even if you are on the national do not call registry.
You also may provide information to be published or displayed (hereinafter, “posted”) on public areas of the Website or transmitted to other users of the Website or third parties, such as reviews of the Website (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk. Although we may limit access to certain pages, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.
INFORMATION WE COLLECT THROUGH AUTOMATIC DATA COLLECTION TECHNOLOGIES
As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
- Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
- Information about your computer and internet connection, including your IP address, operating system, and browser type.
Analytics. We may enter contracts with third-party service providers, such as FullStory, to collect non-personally identifiable data on behalf of Biz2Loan and provide us with information, reports, and analysis about the usage, general location information, and browsing patterns of users of the Website and Services. All of the data collected by these providers on our behalf is owned by us.
We do not have control over these service providers’ use of cookies or other tracking technologies or how they may be used. You can learn more information about some of these service providers, including their privacy policies and opt-out choices, by visiting Segment’s Privacy Policy, Intercom’s Privacy Policy, QuantCast Measure’s Privacy Policy, Facebook’s Data Policy, Microsoft’s Privacy Statement, FullStory’s Privacy Policy and Google Analytics Privacy Policy.
Use of Automatically Collected Information. The information we collect automatically is statistical data and may include Personal Information, or we may maintain it or associate it with Personal Information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:
- Estimate our audience size and usage patterns.
- Store information about your preferences, allowing us to customize our Website according to your individual interests.
- Speed up your searches.
- Recognize you when you return to our Website.
Technology. The technologies we may use for automatic data collection may include:
- Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
- Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies.
- Web Beacons. Pages of our Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
How We Use and Disclose Personal Information
We have disclosed and may disclose each category of Personal Information listed above to one or more third parties for business or commercial purposes. These purposes may include the following:
- communicating with consumers
- providing customer service and improving the customer experience
- marketing products and services offered by us or others
- analytics, research, design, and development
- counting ad impressions, assessing quality of ad impressions, and auditing compliance
- monitoring social media and other online references to us
- preventing, detecting, and prosecuting malicious, deceptive, fraudulent or illegal activity
- maintaining or protecting our data and systems and ourselves
- providing information to regulators, law enforcement, other governmental entities and our attorneys, accountants and auditors
- making disclosures required by and otherwise complying with legal requirements or legal, regulatory or other governmental investigations or process
- any other purposes disclosed to or authorized or approved by a consumer
- sharing information with affiliated companies
Your Rights Under the CCPA
If you are a USconsumer, you have the right to request that Biz2Loan.com disclose to you:
- the categories of personal information that we collected about you and the categories of sources from which we collected such information;
- the specific pieces of personal information we collected about you;
- the business or commercial purpose for collecting personal information about you; and
- the categories of personal information about you that we shared or disclosed and the categories of third parties with whom we shared or to whom we disclosed such information in the preceding 12 months.
USconsumers also have the right to request that we delete personal information we collected from you, subject to certain exceptions.
To make such a request, contact us at info@Biz2Loan.com and indicate in the subject line of your message that you are making a CCPA request. You may be required to submit proof of your identity for these requests to be processed as a verifiable consumer request. We may not be able to comply with your request if we are unable to confirm your identity or to connect the information you submit in your request with personal information in our possession. You may designate an authorized agent to make a request on your behalf, subject to proof of identity and authorization.
We will respond to your request consistent with the CCPA, which does not apply to certain information, such as information made available from government records, certain data subject to the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA) and certain other laws. Please note that we are only required to respond to two such requests per consumer each year.
You also have the right to not be discriminated against in pricing and services because you exercise any of your rights under the CCPA. Biz2Loan.com does not offer financial incentives or price or service differences to consumers in exchange for the retention or sale of a consumer’s personal information.
Changes to this USPrivacy Notice
Biz2Loan.com may update its CCPA policies and practices from time to time. Any changes will be posted on this website at Biz2Loan.com/privacy with an updated revision date.