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PRIVACY POLICY
1. Information We Collect
Depending upon your interaction with us, we may collect business contact and ownership information; business financial information such as bank statements, account information, merchant processing statements, financial statements, tax documents, receivables, revenue, cash-flow information, and existing financing obligations; information concerning owners, principals, guarantors, or authorized representatives; identification and credit-related information where authorized; and technical website information such as IP address, browser type, device information, pages viewed, referral information, cookies, and similar data.
2. How We Use Information
We may use information to process commercial financing inquiries and applications; evaluate financing options; identify and submit applications to Funding Providers; verify information; communicate with applicants; provide customer support; maintain business records; prevent fraud; satisfy legal and regulatory requirements; improve services; conduct quality assurance and training; protect systems and information; and enforce agreements or legal rights.
3. Information Sharing
Information may be shared with Funding Providers, banks, lenders, commercial finance companies, merchant cash advance providers, processors, verification providers, technology vendors, professional advisers, and other service providers when reasonably necessary to process or evaluate a commercial financing request or operate our business. Information may also be disclosed when required by law or reasonably necessary to prevent fraud, protect rights, or address security threats.
4. Secure Data Transfer
Company maintains procedures designed to protect sensitive information while it is transmitted. Sensitive financial documents should be transmitted using Company-approved secure methods whenever reasonably available. Measures may include encrypted web connections, secure application portals, encrypted document-transfer systems, secure cloud-based file sharing, encrypted email or protected attachments where appropriate, and other commercially reasonable encrypted transmission methods. Employees and representatives are instructed not to transmit sensitive applicant information through unauthorized personal email accounts, personal file-sharing accounts, or other unapproved systems.
5. Secure Data Storage
Sensitive information is stored using systems designed to restrict unauthorized access. Safeguards may include encryption at rest, access-controlled cloud storage, role-based permissions, multi-factor authentication, password-protected systems, activity and access logging, endpoint security, system backups, restricted administrative privileges, and periodic review of user access. Access is limited to personnel and service providers who reasonably require it for legitimate business functions. Sensitive information should not be stored on personal devices or unauthorized storage media.
6. Clean Desk and Physical Document Security Policy
Company maintains a Clean Desk Policy intended to reduce unauthorized access to confidential information. Employees and representatives are expected to keep confidential documents out of public view; avoid leaving applications, bank statements, identification documents, credit information, or other sensitive records unattended; secure documents when away from their workspace; retrieve printed confidential documents promptly; avoid leaving passwords or credentials visible; lock computers when leaving a workstation; maintain appropriate screen privacy; and securely shred or otherwise destroy sensitive physical documents when disposal is authorized. At the end of the workday, sensitive documents must be secured or appropriately disposed of rather than left exposed.
7. Recorded Telephone Calls
Telephone calls with Company representatives may be monitored and/or recorded for quality assurance, employee training, compliance, customer service, verification, fraud prevention, documentation, and dispute resolution. Company will provide notice and/or obtain consent where required by applicable law. Recordings are treated as Company records, with access limited to authorized personnel and service providers with a legitimate business purpose, and are retained only as reasonably necessary subject to applicable requirements.
8. Employee Access and Confidentiality
Access to confidential applicant information is provided according to job responsibilities and legitimate business need. Employees and authorized representatives are expected to maintain confidentiality and follow Company information-security procedures. Access may be modified or terminated when responsibilities change or employment or engagement ends.
9. Passwords and Authentication
Company maintains authentication controls appropriate to the systems being accessed. Where appropriate, sensitive systems are protected using strong passwords, multi-factor authentication, access restrictions, and other authentication controls. Employees must not share passwords or authentication credentials.
10. Third-Party Service Providers
Company may use third-party technology and service providers for CRM systems, application processing, document storage, electronic signatures, communications, hosting, analytics, underwriting support, and other business functions. We seek to use providers maintaining safeguards appropriate to the sensitivity of the information processed and may use contractual or other measures to require protection of confidential information.
11. Data Retention and Secure Disposal
Company retains information only for as long as reasonably necessary for the purposes for which it was collected, including legitimate business, legal, contractual, regulatory, compliance, fraud-prevention, and recordkeeping purposes. When sensitive records are no longer required, reasonable secure-disposal methods may include secure electronic deletion, destruction of storage media, secure shredding, or authorized document-destruction services. Records may be retained longer when required by law, litigation hold, contractual obligation, regulatory requirement, or legitimate business need.
12. Security Incident Response
Company maintains procedures designed to identify, investigate, contain, and respond to suspected unauthorized access to sensitive information. Appropriate actions may include restricting compromised access, preserving relevant records, investigating the incident, engaging cybersecurity or legal professionals, resetting credentials, notifying affected service providers or persons, and notifying governmental authorities where required by law.
13. No Absolute Security Guarantee
Although Company maintains safeguards designed to protect information, no method of electronic transmission or storage can be guaranteed to be completely secure. Company therefore cannot guarantee absolute security against every possible threat or unauthorized act.
14. Cookies and Website Technologies
Our website may use cookies and similar technologies to maintain functionality, understand website traffic, improve user experience, and support security. Users may be able to control certain cookies through browser settings.
15. Communication Preferences
Subject to applicable law and consent requirements, we may communicate concerning financing inquiries, applications, account matters, business services, and related opportunities. Recipients may opt out of certain marketing communications using applicable instructions. Operational, transactional, compliance, or application-related communications may not be subject to the same opt-out mechanisms.
16. Children’s Privacy
Our services are intended for businesses and persons authorized to act on behalf of businesses. They are not intended for children under 18, and we do not knowingly solicit financing applications from minors.
17. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our business, technology, security practices, legal requirements, or services. The current version will be posted on our website with the applicable “Last Updated” date.
18. Contact Us
Questions concerning this Privacy Policy or our privacy practices may be directed to:
Lend Mark Capital Group Inc. 137A West End Ave 2nd Floor Brooklyn, NY 11235 877-939-4455 info@lendmarkcapitalgroup.com