Privacy Policy
Green Capital Funding LLC (the “Company,” “we,” “us,” or “our”) takes steps intended to follow privacy principles and the requirements of applicable privacy legislation when handling personal information. Personal information means information about an identifiable individual, as that term is further defined by applicable privacy legislation. This Privacy Policy explains how we collect and use personal information you provide, information provided on your behalf, and information that may be created or collected when you interact with our website, www.GreenCapitalFunding.com. It also explains the choices available to you concerning the use of your personal information, as well as how to access, update, or correct it. This policy does not cover information about our employees or information that is not personal information.
Personal and Business Information We Collect
We, together with our agents and representatives, may collect personal information about you from different sources. Those sources may include credit reporting agencies, creditors, and businesses or financial institutions with which you have maintained a financial relationship. Depending on your interaction with us, the information may include:
- your name, address, e-mail address, Internet Protocol address, telephone number, date of birth, and other contact details;
- your business name and address, tax identification number, business inception date, business bank statements and related transaction data, telephone number, and address;
- financial details such as your bank name and account number, personal and business credit reports, payment behavior, and other reports about your credit history and experience;
- other personal or financial information, including your ownership percentage in a business, liabilities, and financial condition;
- your Social Security number and identity information from an acceptable government-issued identification document;
- information about funding applications you have made, directly or through another person, and your payment history with us;
- personal information about you provided by others, and personal information about other people that you provide to us;
- background information about personal guarantors of a business and/or the business itself; and
- other information collected with your consent or as permitted or required by applicable law.
Use of Personal Information
We generally use personal information to process funding transactions, verify identity during user registration, manage and administer your account, and support the transactional process between financial institutions. We may also use it to understand our customers, determine a risk grade, interest expense rate, term, and maximum funding amount, and establish automatic payment deductions where our agreements require them.
We may use personal information to prepare analytics and reports containing summaries or general information that may be shared with business partners; prevent fraud, identity theft, and illegal activity; maintain records and manage our business; resolve disputes and enforce our agreements; compare information for accuracy and verify it with other parties; and meet legal, regulatory, insurance, audit, processing, and security obligations. These obligations may include establishing and verifying identity and checking identity against money-laundering, terrorist-financing, or similar watch lists maintained by regulatory agencies or comparable bodies.
We may use your information in other ways with your consent or as permitted or required by applicable law. We may also disclose personal or business information in response to lawful requests from public authorities. We reserve the right to disclose information when necessary to comply with a judicial proceeding, court order, or legal process; protect our rights or your safety; protect the safety of others; investigate fraud; or respond to a government request.
Disclosure of Your Personal Information
We may disclose personal information to our affiliates for internal audit, management, billing, or administrative purposes. We may also disclose it in the following circumstances.
Service providers. We may share personal information with outside agents, representatives, and service providers that perform work for us, including website systems operators, credit reporting agencies, banks, live chat providers, law firms, and collection agencies, for the purposes described in this Privacy Policy. We take reasonable steps to require that information shared with these parties is protected and is not used or further disclosed except at our direction or as permitted or required by applicable law.
Legal, regulatory, and related requirements. We may disclose personal information as needed to satisfy applicable legal, regulatory, industry self-regulatory, insurance, audit, and security obligations.
Business transactions. We may use or disclose personal information in connection with a proposed or completed financing of the Company, or a sale, assignment, or other disposition of all or part of our business or assets. Information may be shared to evaluate or complete the transaction, or to meet reporting, due diligence, inspection, or audit obligations. Any assignee or successor of the Company or of part of our business or assets may use and disclose personal information for purposes similar to those described in this Privacy Policy. We will post a notice on our website about changes in ownership, uses of personal information, and choices that may be available to you.
General disclosures. We may disclose personal information in the ways described in this Privacy Policy, with your consent, or as permitted or required by applicable law.
The Internet and Our Website
We operate and control our website at www.GreenCapitalFunding.com. Information sent over the internet may be subject to risks outside our control, so you should take care when deciding what information to share online.
Tracking Technologies
We and our analytics or service providers may use cookies, beacons, tags, scripts, and similar technologies to understand trends, administer the website, observe how users move through it, and collect demographic information about our user base as a whole. We may receive reports from these technologies for individual users or in aggregated form.
We may use cookie files to make our website easier to use for registered and other users. A cookie is a small text file placed on a computer's hard drive by a web page server so that a prior visit can be recognized and selected configuration preferences can be applied. Other than information a user provides, cookie files do not contain information intended to identify an individual user. You can disable cookies through your internet browser settings; consult your browser's help function for instructions. Some website features may not work properly if cookies are disabled.
Like most websites, we automatically collect and store certain information in log files. This may include IP address, browser type, internet service provider, referring and exit pages, operating system, date and time stamps, and clickstream data. We may combine this log information with other information we collect to improve our services, analytics, and website functionality.
E-mail Policy
After you complete user registration and your account is created, we may use your e-mail address to contact you about your account. We may also contact you at a telephone number or physical or electronic address to collect amounts due. This may include SMS messages, calls using prerecorded messages or an artificial voice, and calls or messages delivered using an automatic telephone dialing or texting system. An automated message may play when a call is answered by you or by someone else. An agent or representative may leave a message on an answering machine or voice mail, or send a text message.
To provide consistent, high-quality service and support, we may keep correspondence with you in a file associated with you. We may also use your e-mail address to send updates about changes and periodic communications about transaction status, account-related events, and your use of our website.
No Third-Party Marketers
We do not sell, rent, or trade personal information to third parties or marketing firms for their promotional purposes. Some communications are necessary for transactions you are considering or have completed through our website. Receiving e-mails from our website is part of our service. If you no longer wish to receive them, you may unsubscribe or contact Customer Service.
Security
We take reasonable steps to protect personal information in our custody or control through physical, electronic, and procedural safeguards appropriate to its sensitivity. These measures may include secure web pages, encryption, password intrusion detection systems, and firewalls. If you have questions about the security of your information, contact us through our Contact page.
Secure web pages. Pages on our website that request personal information are transferred to your browser through HTTPS, a secure server communications protocol.
Encryption. When you send personal information to us, SSL (Secure Sockets Layer) technology helps prevent others from reading it in transit.
Firewall protection. Financial information is encrypted and backed up every day.
Password protection. To retrieve information about your registered-user status and transactions, you must enter both a username and password. Choose a unique password made from upper- and lower-case letters, numbers, and symbols; avoid predictable combinations; and change it periodically, such as every 90 days. These safeguards help protect against loss, theft, and unauthorized access, disclosure, copying, use, or modification. Protect your password and do not share it with anyone. Authorized employees, agents, and parties working under a contract with us may access personal information when it is needed for their job or contractual responsibilities.
Data Retention
We retain information for as long as your account is active or as needed to provide services. We may retain and use it as necessary to meet legal obligations, resolve disputes, and enforce our agreements.
Note Regarding Children Under 18
Users of our website must be U.S. residents who are 18 years of age or older, and registered users may have additional requirements. Our website is not intended for children under 13. No one under 13 may provide information to or through our website, and we do not knowingly collect personal information from children under 13.
Helpful Tips on Protecting Your Personal Information
Password protection. Use a strong, unique password and change it periodically.
Identity theft. If you believe your identity has been stolen, contact the three major credit-reporting agencies to place a fraud alert on your credit report. After contacting all three, review your credit report again in 30 to 60 days for new signs of identity theft or records that still need correction or removal. You should also file a police report with your local law enforcement agency. A police report can help when working with creditors to challenge unauthorized inquiries or accounts opened in your name. Keep records of the steps you take and the letters you send in response to the identity theft.
Customer Testimonials/Comments/Reviews
We may publish customer testimonials, comments, or reviews on our website that contain personal information. We obtain the customer's consent before publishing a testimonial with the customer's name. To ask that your personal information be removed from a testimonial or comment, contact us through our Contact page.
Blogs/Discussion Forums
If you use a bulletin board, chat room, blog, or forum on this website, remember that information you submit may be read, collected, or used by other participants and could be used to send unsolicited messages. We are not responsible for information you choose to post in these forums. To request removal of your personal information from our blog or community forum, contact us through our Contact page. In some cases, we may be unable to remove it; if so, we will explain that limitation and the reason for it.
Links to Third Party Websites
Our website may link to other websites whose privacy practices differ from ours. If you submit personal information to one of those websites, its privacy policy will govern that information. We encourage you to read the privacy policy of every website you visit.
Social Media Widgets
Our website may include social media features or widgets. These features may collect your IP address, record which page you visit, and set a cookie so that the feature operates properly. Features and widgets may be hosted by another service or directly on our website. Your interactions with them are governed by the privacy policy of the service providing the feature.
Changes in this Privacy Policy
We may update this Privacy Policy to reflect changes in our information practices. When we do, we will post the revised policy on our website.
Contact
If you have questions or complaints about this Privacy Policy or our practices, contact us through our Contact page or by phone at 888.397.9131. Our offices are in Greenwich, Connecticut.
For California Customers
We will not disclose your non-public personal information to non-affiliated parties unless we have your authorized consent or California law permits it. We limit sharing of your personal information with our affiliates as required by applicable California law.