Privacy

FinTap (the “Company”) is committed to protecting your privacy. We have prepared this privacy policy to describe to you our practices regarding the personal information we collect from users of our website located at https://www.fintap.com/ (the “Website”). The Company is a financial technology company that provides working capital to businesses of all sizes nationwide. This privacy policy describes the types of information we may collect from you or that you may provide when you visit the Website and any of our sub-domains, and our practices for collecting, using, maintaining, protecting and disclosing that information. Please remember that your use of the Website is also subject to our Terms of Use. This privacy policy describes:

information we collect or information that you may provide when you visit our Website;
information we collect via email, through our online forms and other electronic messages between you and the Website;
information we receive from other sources, including service providers who provide us with personal information about you in order to help us better understand and cater to your preferences, improve the quality of our services to you, prevent or detect fraud, and for other business purposes;
our practices for collecting, using, maintaining, protecting and disclosing that information.

This policy DOES NOT apply to employees or independent contractors of any third party service providers that we contract with in order to carry out our services. It also DOES NOT apply to information that:

We collect offline or on any other Company websites or applications, as applicable, including websites you may access through our Website;
You provide to or is collected by any third party;
Is collected by us offline or through any other means, including on any other website operated by The Company or any third party, including affiliates and subsidiaries.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, do not use our Website. By accessing our Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of the Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children Under the Age of 13

The Website is not intended for children under 13 years of age, and we do not knowingly collect personal information from children under 13. If a child under 13 submits personal information to The Company and we learn that the personal information is of a child under 13, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at info@fintap.com. California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information. Please see Your California Privacy Rights section of this Privacy Policy for more information.

Information We Collect About You and How We Collect It

We collect information from and about users of our Website, including information:

By which you may be personally identified, such as name, postal address, e-mail address, telephone number, credit card number, social security number, bank account or other financial account number or documents;
That is about you but individually does not identify you;
That we obtain from other sources, including service providers and other third party vendors.

We collect this information:

Directly from you when you provide it to us, including information you provide us in order for us to collect all information necessary to complete the requested transaction;
Automatically as you navigate through the Website. Information collected automatically may include usage details, IP addresses, financial information, location information, including the state or country from which you accessed the Website, number of links you click within the Website, date and number of times you visit the Website and pages you viewed on the Website;
Our website and any third party application or website that you access through our site, such as third party social media sites may utilize cookies. You should review the cookie policy and privacy policies of any third party websites. We reserve the right to add the use of cookies to our website in the future and will inform you of such change by updating this policy.
From external credit services, in order to obtain necessary credit information and contact details related to potential applicants in order to deliver our services.

Information You Provide to Us

The information we collect on or through our Website may include:

Information that you provide by filling in forms on our Website.
Records and copies of your correspondence (including email address), if you contact us;
Your search queries on the Website;
Other information voluntarily provided by you.

By providing your information to us, you agree to our collection and use of such information to deliver the services as described in our Terms of Use and this privacy policy. If you connect with us via social media, such as via Facebook, Instagram or Twitter, we may collect additional information about you and your connections if you authorize us to do so by providing the necessary consents.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use technology to automatically collect certain information about your equipment, browsing actions and patterns, including:

Details of your visits to our website, including traffic data, location data, log 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;
Device information about your mobile device and internet connection, including the device’s unique device identifier, operating system, mobile network information and device’s telephone number;

If you do not want us to collect this information, do not visit our Website.

The information we collect automatically may include personal information, but 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 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, and recognize when you return to our Website. The technologies we use for automatic information collection may include:

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 us, 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).
Log Files. As is true of most websites and mobile applications, we gather certain information automatically and store it in log files.

Third-Party Use of Cookies and Other Tracking Technologies

When you access our Website or its content, certain third parties may use automatic technologies to collect information about you or your device. These third parties may include:

Advertisers, ad networks and ad-servers;
Content providers and application providers;
Analytics companies;
Your mobile device manufacturer;
Your mobile device provider.

These third parties may use cookies to collect information about you when you use our Website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

How We Use Your Information

We may use information that we collect about you or that you provide us, including any personal information, to:

Present our Website and all related contents to you, and any other information, products or services that you request from us;
To fulfill any other purpose for which you provide it;
Give you notices about your account/subscription, including expiration and renewal notices; to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection;
To notify you about changes to our Website or any products or services we offer or provide through it;
To notify you about changes to services we offer on our Website;
To create log files of information including IP addresses, browser type, ISPs, operating system and clickstream data in order to analyze trends, administer the Website, track user movements around the Website, gather demographic information about our user base and better tailor our services to user needs;
To design and target marketing campaigns that introduce new products, services and related offers to users;
To recommend services to users based on preferences;

The usage information we may collect helps us to improve our Website and to deliver a better and more personalized experience by enabling us to:

Estimate our audience size and usage patterns;
Identify issues to de-bug our Website;
Store information about your preferences, allowing us to customize our Website according to your individual interests;
Speed up your searches;
Recognize you when you use the Website;

We may also use your information to contact you about our own and third parties’ goods and services that may be of interest to you. We may use information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Bank Account Verification

From time to time, we may ask you to verify your bank account information on pages hosted by our Website in order to effectively carry out some of our services. Such bank account verifications are processed by a third-party integrator, DecisionLogic. All information provided in connection with the bank account verification process is governed by DecisionLogic’s Privacy Policy and Terms and Conditions of Use, which can be accessed from DecisionLogic’s website. The Company does not use or store your banking information for any purpose.

Aggregate/Anonymous data.

We may aggregate, de-identify and/or anonymize any information collected through the Website so that such information is no longer linked to your personally identifiable information (such as your name, address, phone number or email address). We may use and share aggregated and anonymized information for any purpose, including without limitation, for research and marketing purposes, and may also share such data with any third parties, including advertisers, promotional partners and others.

Disclosure of Your Information

To maintain the Website, we may need to share your personal information with third parties and service providers who perform services on our behalf. This section explains when and why we share your information.

We may disclose aggregated information about our users and information that does not identify any individual, without restriction. In addition, we may disclose personal information that we collect or you provide:

To our subsidiaries and affiliates;
To third-party service providers. For example, we may share your personal information with credit reporting services when we request a credit report regarding you, and to other potential sources of funding you identify to us. We may share your personal information with third parties who assist us with customer support services, who provide IT services, and who otherwise help us provide, maintain and improve our services;
To collection agencies, in order to collect on delinquent accounts;
To respond to claims that any posting or other content violates the rights of third parties;
To investigate, prevent, defend against, or take other action regarding violations of our Terms of Use, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our Website and services offered by our Website.
In connection with a transaction or proposed transaction involving the transfer of substantially all of the assets of The Company or one or more of its businesses to another entity, whether an affiliate or a third party, in connection with a bankruptcy or liquidation;
For any other purposes disclosed by us when you provide the information;
To comply with any court order, law or legal process, including to respond to any government or regulatory request;
To enforce our rights arising from any contracts entered into between you and us and for billing and collection;
If we believe disclosure is necessary or appropriate to protect the rights, property or safety of The Company, our customers or others.

Your Choices About Our Collection, Use and Disclosure of Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by logging into the Website and adjusting your preferences in your account profile by checking or unchecking the relevant boxes or by sending us an email stating your request to info@fintap.com.

Promotional Offers from the Company. If you do not wish to have your contact information used by The Company to promote our own or third parties’ products or services, you can opt-out by logging into the Website and adjusting your user preferences in your account profile by checking or unchecking the relevant boxes or by sending us an email stating your request to info@fintap.com. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. This opt out does not apply to information provided to the Company as a result of a product service experience or other transactions.

Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, you can opt-out by adjusting your user advertising preferences in your account profile by checking or unchecking the relevant boxes or by sending us an email stating your request to info@fintap.com. For this opt-out to function, you must have your browser set to accept all browser cookies.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.

We do not “sell” your Personal Information, as defined under the California Consumer Privacy Act (“CCPA”), and we have not sold your Personal Information in the past twelve (12) months. California residents may have additional personal information rights and choices. Please see Your California Privacy Rights for more information.

Nevada residents who wish to exercise their sale opt-out rights under Nevada Revised Statutes Chapter 603A may submit a request to this designated request address: info@fintap.com. However, please know we do not currently sell data triggering that statute’s opt-out requirements.

Accessing and Correcting Your Personal Information

You can review and change your personal information by logging into the Website and visiting your account profile page.

You may also send us an email at info@fintap.com to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Your California Privacy Rights

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to info@fintap.com or write to us at: 777 Passaic Ave. Suite 375, Clifton, NJ 07012.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. The information you share in public areas of our website may be viewed by any user of the Website.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Cookies and Similar Technologies

A cookie is a small file, often including a unique identifier, which is sent to your browser from a website and placed on the hard drive of your computer.

Changes to Our Privacy Policy

We may update our privacy policy from time to time. If we make material changes to how we treat our users’ personal information, we will post the new privacy policy on this page with a notice that the policy has been updated on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comments about this privacy policy and our privacy practices or to register a complaint or concern, please contact us at:

Email: info@fintap.com
Postal Address: 777 Passaic Ave. Suite 375, Clifton, NJ 07012