Data and Privacy Policies

We collect Personally Identifiable Information from you through your use of the Site and Services. “Personally Identifiable Information” is individually identifiable information about an individual that we collect online when they seek our Services on behalf of their business and that we maintain in an accessible form. We collect the following types of Personally Identifiable Information 

 We may collect the following Personally Identifiable Information that you voluntarily provide to us in using our Site and Services: 

• Inquiry and Financing. When inquiring into financing we ask for your name, company,  email address, telephone number for communication purposes. Upon application we ask for additional information such as, Social Security number, business information including business name, size, and type, and financial information including bank statements, credit card statements, average bank balance, personal and business credit history, payment behavior, bank account information, and tax identification number. We may also require proof of business ownership information.

When collecting this information on business and their owners it is for purposes of verifying their identity only. The U.S. Government implemented the beneficial ownership regulation to help deter financial crimes. By complying, we are doing our part in upholding the regulation to protect the financial system. Pursuant to our privacy policies we maintain strict security and confidentiality of these records using the latest programs and protocols. 

 We automatically collect certain Personally Identifiable Information through your use of the Site and Services, such as the following:

• Usage Information. The pages on the Site you access, the frequency of access, and what you click on while on the Site.
• Device Information. For example, hardware model, operating system, application version number, and browser.
• Mobile Device Information. Aggregated information about whether the Site is accessed via a mobile device or tablet, the device type, and the carrier.
• Location Information. Location information from Site visitors on a city-regional basis.
• 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 declining their acceptance or by activating the appropriate setting on your browser. 

 We may receive certain Personally Identifiable Information from you about a third party. For example, as part of our application feature, we may provide the name and phone number of a to institutions interested in providing services to you. If you submit any Personally Identifiable Information about another individual to us, you are responsible for making sure you have the authority to do so and to allow us to use their Personally Identifiable Information in accordance with this Privacy Policy

 We may disclose aggregated information about our users, and information that does not identify any individual, without restriction. We may also disclose personal information that we collect or you provide as described in this privacy policy:

• To our subsidiaries and affiliates to fulfill the terms for which you provide it.
• To contractors, service providers, and other third parties we use to support our business and who are also bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
• To lenders and other financial service providers who may be able to assist you with your search for business financing.
• To parties who require it in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Funding In 48’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Site users is among the assets transferred.
• For any additional purpose disclosed by us when you provide the information.
• With your consent. We may also disclose your personal information:
  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Funding in 48, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

In compliance with applicable federal and state law, our Site is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Site. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Site. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us. Furthermore most if not all lenders will not enter into a loan or financing agreement with anyone under 18 years of age. Therefore, if you are under 18 years of age, please do not use or provide any information on this Site