Last Updated: March 24, 2024

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Welcome to the Capflows, LLC (“Capflows”, “we”, “us,” or “our”) website. (“Site”) This Privacy Policy (“Policy”) describes the data, content, information, and Personal Information which Capflows and its vendors collect, use and share when you visit our Site. (collectively “Data”). If you have questions or concerns about this Policy, you may reach us using the “Contact” section above.

 

WE MAY MODIFY THIS POLICY AT ANY TIME. ALL CHANGES WILL BE EFFECTIVE IMMEDIATELY UPON POSTING TO THE SITE. MATERIAL CHANGES WILL BE CONSPICUOUSLY POSTED ON THE SITE OR OTHERWISE COMMUNICATED TO YOU. BY USING THE SITE AFTER CHANGES ARE POSTED, YOU ACKNOWLEDGE YOU UNDERSTAND THOSE CHANGES.

 

We Collect Data You Provide

 

Personal Information. If you elect to provide information that can be used to identify you on an individual basis (“Personal Information”) such as your name, email, mailing address, phone number, payment data, tax identification number (e.g., SSN or FEIN), information about your business or prospective business, or financial information (such as your income, assets, or debts), we will collect, use, and share that Personal Information pursuant to this Policy. We may also collect and store Personal Information that you provide to us about other people (e.g., co-applicants or co-owners). Please do not provide us with another person’s Personal Information unless you have their express consent to do so.

 

Capflows will not request or access any credit bureau reports or other credit information without your express prior permission in connection with a business loan.

 

You will need to provide your Personal Information in order to use certain features on our Site. For example, you will need to provide Personal Information if you create an online account, make purchases, contact us using our online form (where we may retain the content of your message and our response), submit job application materials, receive or request data from us, and respond to communications from us.

 

Capflows Accounts: To create an online Capflows account, you must submit your name, email address, and create a password. This data is used to populate a profile within your account.

 

Document Uploads & Storage. We use third-party service providers, Encryo (www.encyro.com) and Everplans (www.everplans.com) to assist you in uploading and storing electronic files with us, such as business and personal records. Use of Encryo’s and Everplans’s services is subject to its privacy policy and terms of use and not this Privacy Policy.

 

Order & Payment Data. To make purchases through the Site, you must submit your name, credit or debit card type, number, expiration date, security code, and billing address. All credit and debit card data is provided directly to our PCI-compliant third-party payment processor. We do not directly access, handle, or store your credit or debit card data. We may keep a record of your purchases.

 

Marketing Communications; Opt Out. We collect your Personal Information if you sign up for our services or otherwise ask to receive marketing communications from us. We use this Personal Information to send you marketing and other electronic communications. We may use third-party service providers to deliver marketing communications to you. You may opt out of such emails by using the unsubscribe link in the email or contacting us at contact@capflows.com with “Unsubscribe” in the subject line. To opt out of other communications, please contact us. Opting out of marketing communications does not opt you out of transactional communications.

 

Live Chat Conversations. If you use the Site chat feature, we will collect all Data you submit via that chat feature. If you use a chat feature while signed into your Capflows account, we may link the submitted Data to your account.

 

Data Automatically Collected

 

Account Activity. We will collect Data about how you use (i) your online account, and (ii) the Site when you are logged into your account.

 

IP Addresses, Cookies, & Similar Tracking Technologies. When you use the Site, we and our third party service provider that operates this Site use certain technologies such as cookies (i.e., small pieces of data stored on your device’s hard drive by your browser), web beacons, pixel tags, and similar technologies to automatically collect the IP address assigned to the computers and other devices you use to visit the Site, the identify of your internet service provider, device ID number, approximate geographic location, browser type, Site pages visited, websites you access before and after visiting the Site, and data related to how and when you use the Site (e.g., date and time stamps, clickstream data, and data about search terms and websites that direct you to the Site). We may combine this Data with other Data we collect from you (including Personal Information) and data obtained from third parties.

 

We may use session, persistent, and flash cookies (local stored objects) to collect and store Data about your preferences and navigation to, from, and on our Site. Session cookies are used to complete transactions and for other purposes such as counting visits to certain webpages. Session cookies are eliminated when you exit your browser. Persistent cookies may be stored on your computer by your browser. When you log in, persistent cookies tell us if you have visited the Site before or if you are a new visitor.

 

Flash cookies differ from browser cookies regarding the amount and types of Data collected and how the Data is stored. Cookie management tools provided by your browser will not remove and cannot manage Flash cookies. To learn about managing your Flash cookie settings, visit the Flash player settings page on Adobe’s website here.

 

Most browsers automatically accept cookies. You can disable this function, but disabling cookies may impact your use and enjoyment of the Site.

 

Do Not Track Requests. We will prompt a“do not track” request upon your first visit to our website and is prompted by your IP address. 

 

Analytics. We may use various analytics tools, such as Google Analytics, to collect and process Data.  This is used to collect certain telematics about your use of the Site. Google sets and reads cookies to collect such Data and your web browser will automatically send such Data to Google. Google uses this Data to provide us with reports that we use to improve the Site’s structure and content.

 

We may occasionally enable and implement additional add-on services to Google Analytics, such as Demographics and Interest Reporting. Demographics and Interest Reporting uses cookies to collect Data about our Site traffic by tracking users across websites and across time to provide us with analytics on our user base.

 

To learn more about how Google uses Data, visit Google’s Privacy Policy and Google’s page on “How Google uses data when you use our partners’ sites or apps.” You may download and install the Google Analytics Opt-out Browser Add-on for each web browser you use. Using the Google Analytics Opt-out Browser Add-on does not prevent the use of other analytics tools. To learn more about Google Analytics cookies, visit Google Analytics Cookie Usage on Websites.

 

Online Behavioral Advertising. We may occasionally use advertising networks and services provided by third-party vendors. These services collect data about your interactions with the Site and other websites across the internet and use such data to target personal content and advertisements for goods and services. The data collected may be associated with your Personal Information. The targeted content and advertisements may appear on the Site and on other websites and may be sent to you via email. Advertising networks often gather data about consumers who view advertisements to make inferences about a consumer’s interests and preferences, which enables the delivery of advertisements directly targeted to the consumer’s specific interests. This practice is often referred to as “online behavioral advertising.”

 

For example, we may use Google Ads to serve ads on our behalf across the internet and on the Site. Google uses cookies and similar technologies to collect data about your visits to the Site and your interaction with our products and services to generate targeted advertisements to you on other websites that you visit across the internet. To opt out of remarketing advertising provided through Google, to customize your ad preferences, or to limit Google’s collection or use of such data, visit Google’s Safety Center and Google’s Ad Settings and follow Google’s personalized ad opt-out instructions. Opting out will not affect your use of the Site.

 

To change your preferences with respect to certain online ads and to obtain more information about third-party ad networks and online behavioral advertising, visit the National Advertising Initiative Consumer opt-out page or the Digital Advertising Alliance Self-Regulatory Program. Changing your settings with individual browsers or ad networks will not necessarily carry over to other browsers or ad networks. As a result, depending on the opt-outs you request, you may occasionally still see our ads.

 

Social Media. We may be active on social media, including Facebook, Twitter, YouTube, Pinterest, Vimeo, Instagram and LinkedIn (“Social Media”). You may comment on Social Media regarding Capflows and our products and services.

 

The Site allows you to connect and share data with Social Media. These features may require us to use cookies, plug-ins, and APIs provided by such Social Media sites to facilitate those communications and features.

 

Anything you post on Social Media is public information and will not be treated confidentially. We may post (or re-post) on the Site and our Social Media pages any comments or content that you post on our Social Media pages

 

Your use of Social Media is governed by the privacy policies and terms of the third parties that own and operate those websites and not by this Policy. We encourage you to review those policies and terms.

 

The Site may use advertising networks and services offered by Social Media to deliver advertising content. Use of these services requires Social Media to implement cookies or pixel tags to deliver ads to you while you access the Site.

 

Embedded Content. The Site may contain embedded content provided by CapFlows or third parties, including visible content and/or feeds scripts embedded in the Site’s code. CapFlows and such third parties may collect Data about how you interact with such content. By watching or interacting with such content, you agree to the collection and use of such Data.

 

Data from Other Sources. We may obtain data from various third-party companies and public sources and we may combine that data with other Data we collect when you visit and use the Site. This enhances our existing data about our users and customers and improves our marketing efforts.

 

How We Use & Share Data

 

Beyond the uses and sharing described above, Capflows and its third-party service providers may use and share Data as described below. We do not sell or rent Personal Information, except as stated in this Policy.

 

Purpose Collected & Communication with You. We use and share Data we collect when you access and use the Site for the purpose for which it was collected. For example, if you order our services through the Site, we use the Data we collect to communicate with you regarding your order and to provide the services to you. We may use financial information to match you with lenders, verify your identity, protect against or identify possible fraudulent transactions, and otherwise as needed to manage our business and to provide you with services. If you contact us for support or assistance, we may use Data we collect to contact you and assist you with your request. We may use Data to notify you of Site changes (e.g., changes to our Terms of Service or this Policy), and if you opt in, to send you marketing communications. If you submit job application materials, we may use the contents to evaluate your qualifications and respond to you. Submission of job application materials does not require us to review them or consider you for employment.

 

Prospective Lenders and other Financial Institutions. We will share your Personal Information with lenders and other financial institutions with which you are or may be matched. These lenders or other financial institutions may retain or use your Personal Information whether or not you qualify for, or obtain, a loan from them. No credit check will be performed by Capflows.

 

Business Partners. When you register or express interest in promotions offered on the Site, we may share your Data with businesses with which we partner to offer you those products, services, and/or promotions. When you elect to engage in a particular offer or program, you authorize us to provide your email address and other information to that business. You may opt out of third-party communications pursuant to such third party’s policies. We do not control third parties or their policies.

 

Affiliates, Vendors, & Other Partners. We may share Data with our affiliates, third-party vendors and service providers (including Site management and hosting, and payment processing services) that provide data processing services to us (e.g., to support the delivery of, provide functionality on, or help to enhance the security of the Site or our products and services) or otherwise process Data for purposes described in this Policy or communicated to you when we collect such Data. We do not share Data with advertising companies, ad networks, consultants, agents, and other partners (including advertising, marketing, public relations, and email marketing services). The parties described in this paragraph are authorized and may use and disclose Data as needed to provide the applicable services to us and as provided by their own privacy policies.

 

Aggregated Data. We may use the Data to create anonymous aggregate data. (“Aggregate Data”)  We may use and share such Aggregate Data with our affiliates, vendors, third party service providers and other third parties to: (1) analyze, develop, and improve the content, products, and services that we make available, (2) inform business strategies, (3) understand the Site’s demographics and user preferences, (4) customize promotional emails and users’ Site experience, and (5) for other lawful purposes.

 

Security & Protection of Rights. We may use and share Data with third parties if we believe it is needed to operate the Site or to protect our rights or the rights of others, including sharing Data needed to identify, contact, or bring legal action if our contracts, terms, or policies are violated or if required by law.

 

Business Transactions. All Data is exclusively our property. If we undergo a change or contemplated change in control, acquisition, merger, reorganization, or asset sale, all Data may be transferred, sold, shared, or otherwise shared with potential and actual successors, which will be bound by this Policy as it applies to Data.

 

With Your Consent. We will collect, use and disclose your personal information only with your knowledge and consent, except where permitted or as required by law or defined in this Privacy Policy. We will not rent, sell, or otherwise distribute your personal information without your permission, unless otherwise defined in this Privacy Policy. Capflows will seek consent when the information is likely to be considered sensitive. With your consent, we may also use or share Data in ways not specifically described in this Policy.

 

Data We Do Not Intend to Collect.  We do not intend to collect the following categories of Data when you visit and use our Site:

 

1.         Special Categories of Personal Information. “Special Data” is any data that reveals your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, or that involves genetic or biometric data or data concerning health or sexual orientation. We do not intend to collect any Special Data from you. Please do not provide Special Data to us.

 

2.         Children. We are committed to protecting children’s privacy. The Site is not directed at children under 18 years of age. We do not knowingly collect, use, or share data from children under 18. If a parent or legal guardian learns their child provided us with Personal Information without his or her consent, please contact us.

 

Data Security

 

We use commercially reasonable technical and organizational measures to help secure all Data against loss, misuse, and alteration. While we cannot guarantee it, we use industry-standard protections to help safeguard against such occurrences. If a breach of our systems occurs, we will notify you of the breach only if and as required under applicable law.

 

You understand that no data transmission over the internet or a mobile device can be guaranteed to be 100% secure. While we strive to protect your Personal Information, we do not guarantee the security of Personal Information and you provide Personal Information at your own risk.

 

California Residents 

 

Pursuant to California Civil Code Section 1798.83, if you are a California resident, you have the right to obtain: (a) a list of all third parties to whom we may have disclosed your Personal Information within the past year for direct marketing purposes, and (b) a description of the categories of Personal Information disclosed, by emailing contact@capflows.com.

 

Access from Outside the United States

 

This Site is intended solely for a United States audience. If you access the Site from outside the United States, please be aware that Data will be transferred to, stored in, and processed in the United States. U.S. data protection and related laws may not be as comprehensive as those from where you access the Site.

 

Third-Party Websites

 

The Site may link to, or be linked to, websites not controlled by us. We are not responsible for third-parties’ privacy policies or practices. This Policy does not apply to any third-party websites or to any data that you provide to third parties. You should read the privacy policy for each website that you visit.

 

Update Your Personal Information

 

To update your Personal Information as it exists in our records, please visit any accounts you have created (if applicable) or contact us using the information below.

 

Contact Us

 

If you have questions or concerns regarding this Policy, use the "Contact" section above.

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