Privacy Policy

Privacy Policy

Effective date: October 17th, 2022

The Privacy Policy on businessfinancenews.com (hereinafter we, us, our, ours, Website, Site) is the formal document, which determines and explains how the information of the user (hereinafter User, Users, You, Your, Yours) is collected, stored, shared and used on the Website. This document was elaborated to make formal guarantee of the protection and security of the information provided on the Website.

This Privacy Policy determines the implication of the information, both personal and non-personal, used on the Website. If You have already shared Your information on the Website and want to eliminate Your details from any records associated with the Website under our regulation and control, You can contact us directly using the contact details we provide on the Website.

The services provided on the Website can be used only by the legal residents of the United States over 18 years old. The operation of the Website is aligned with federal, state and local laws of the USA. Thus, once You willingly register on the Website by submitting Your information via the online form and accepting this Privacy Policy and the Website Terms and Conditions of Use, You confirm that You understand that the use of the information You submit on the Site is governed by these documents. For this reason, You are encouraged to study these documents carefully prior to submitting Your information on the Website.

If You disagree with or misunderstand the clauses of the Terms and Conditions of Use and Privacy Policy of this Website and/or refuse to accept the provisions of the documents stated above, You should cease using the services of the Website and should not provide Your information and register on the Website via online form or in any other way submit and share Your information on the Website. If You have doubts regarding the use of the Website or its services, You can contact us via the details we provide on the Website. If You willingly refuse to use the Website, You should close this and other pages of this Website.

I. Personally and Non-Personally Identifiable Information

In order to register on the Website and use its services, You need to provide Your personally identifiable information (PII) via the online form on the Website. The way this information is collected, stored, shared, and used is determined by the provisions of this Privacy Policy. This information is essential to provide You with the service You request by using the Website. If You do not need to use the service of the Website or for some reason decide to cease the use of the Website, You should not submit Your PII information on the Website. PII includes but is not limited to the following information: Your first and last names, address, email address, telephone number, date of birth, employment information, Social Security number, other ID information, banking information.

NB: SS number and banking information are used only to provide You with the searching and matching service and never shared with any third party marketers and other third parties unless the opposite is determined by the law or required according to special orders from the authorized parties (including but not limited national security issues or alike).

Apart from PII, we collect Your non-personally identifiable information (NPII) available upon Your using the Website regardless of submitting any personal information on the Website. NPII includes but is not limited to the user’s behavioral data, such as Internet Protocol (IP) data, browser details, geo position, user’s operating system, the pages of referral and exiting, date and time details, Internet service provider details etc. The NPII we collect from You can be transmitted to the third parties we contract with unless You exploit the means to hide Your NPII or express Your request to stop using Your NPII directly.

i. The Use of Your PII

We collect, store, share and use Your PII information under the provisions of this Privacy Policy. All the information You provide is protected by our top security means and encryption methods. The information You submit by registering for the services is used to perform search and match with one or more lenders we contract with who can provide You with the loan products You expressed Your interest in. Your submission of the information is considered as an expressed will to be matched with a lender or financial service provider. Additionally, the information we collect can be used to contact You in order to provide with the marketing information on the products You expressed You interest in. Moreover, we can use this information to provide protection from potential malicious activity and fraud in the Internet. We will collect, store, share and use Your information only upon Your expressed consent You give while clicking the respective button or ticking the box of consent, which authorizes us to use Your information as set herein.

Some of Your PII (excluding SS number and other sensitive information such as banking information) can be shared with some third parties we contract with in case technical support is needed. These authorized third parties are liable for keeping Your information secure and in no way can use it for any other purpose but the purposes authorized according to the agreement we make, as well as are in no way authorized to share Your information with other third parties. All the activity performed with Your PII is bounded by the provisions of this Privacy Policy and respective formal documents on this Website, as well as the provisions of applicable international laws and the legislation of the USA. Additionally, PII can be shared for consumer reporting with credit bureaus upon Your prior authorization (consumer reporting authorization). However, this procedure is performed by the lenders in a prerogative way, thus, regulated by the legal documents concerning Your communication with Your lender and other financial providers and has nothing to do with this agreement and the use of this Site and its services.

Your PII can be shared with governmental entities, disclosed completely or partially upon request from any authority or authorized organization if such disclosure is lawful and considered necessary for these reasons:

  • it is ordered or required to comply with the legal processes;
  • it is obligatory to protect the property of the owner of the Website or its affiliates and in no way contradicts applicable laws;
  • it is necessary to prevent crime and/or protect national security;
  • it is necessary to protect personal or public safety.

In case of merging, acquisition, consolidation or purchase of the owning company and its assets, it is possible that Your PII may be transferred and, thus, disclosed to the receiving party on the course of the stated actions. According to the court’s decision on insolvency proceeding, if it takes place, in case of liquidation of the owning company, the liquidating party or the authorized representatives of the company can transfer, sell, dispose or license Your PII within the provisions stated by this court’s decision. In this case, it is possible that the owners of the PII shared on the Website will be notified of the forthcoming procedures and modifications upfront or the notification will be published openly on the Website. It is possible that acquisition, merging and other stated modifications are associated with a non-US company.

ii. Third Party Marketing

It is possible that Your PII can partially (excluding such sensitive information as SS number and banking and financial data) be shared for the marketing purposes with some of third party marketers, lenders and advertisers, we contract with. In this case, the receiving parties, as third part marketers, may use this information and share it with other third party marketers who may initiate marketing activity towards You in the way of presenting You the products You have expressed Your interest previously while submitting Your information. In case You decide to opt out from receiving such marketing messages and/or offers, You can easily unsubscribe and eliminate Your information from the lists compiled by these third party marketers to send You messages simply by using an unsubscribe option (option button or link) in the respective message. The means for marketing activity include but are not limited to direct mail, short messages, online banner ads, telemarketing calls, emails etc.). Apart from that, Your information can be used to track Your online activity and collect Your online behavioral and searching information. This activity is usually performed to improve the quality of the services presented to You online and adjust marketing activity to Your requirements and needs.

Keep in mind that the way third party marketers use Your information is subject to the provisions of their legal documentation and regulations, including but not limited to the privacy policies and the terms of use of their websites and services. For this reason, since we take no obligations for the manner Your information can be used by these parties, we encourage You to acknowledge how Your information is to be used according to the provisions of the legal documentation of these third party marketers. If You wish to eliminate Your information from any of the lists or databases of these third party marketers, You should contact them directly.

By continuous use of the Website and attempt to use the services presented on the Website, You expressly agree that You have read and understand the provisions of the legal documents, which control the use of Your information on the Website, and the terms of collecting, storing, sharing and using of You PII and the way Your shared PII can be used by third party lenders and third party marketers.

In order to discontinue contacting with us and receiving more information from Us, You need to close this and all other Website pages. If You have already shared Your personal information with us and want to opt out from further communication and remove Your information from our lists and database, You can contact us directly with respective request using this email address contact@ businessfinancenews.com or other contact information indicated on this Website. Your request will be processed and the information removed from our database. As soon as Your information is removed from out database, You can be sure it will not be shared with any third party, used for any secondary purposes, or used for marketing activities. Still, since the information has already been shared with third party marketers, we cannot take any responsibility for the communication sent to You by these third parties. You should contact third party marketers directly to remove Your information from their databases.

iii. Credit Implication of the Use of PII

The information shared with our third party lenders can be used to verify Your identity (via SS number and/or driving license number, for example) and Your information against national databases. Additionally, the lenders we contract with may need to perform credit verification and use Your PII to request a credit report from one or more credit organizations, including but not limited to the major credit bureaus, to determine Your credibility and assess the risks associated with providing credit products to You. Credit report request may lower Your credit score. If You continue using the Website and submit Your information via the online form on the Website, You give Your express consent to have Your information verified and Your credibility checked according to the provisions of these third party lenders’ legal documents used to govern and regulate their practices and communication with You.

iv. Email and Telemarketing

By agreeing to the Terms and Conditions of Use and this Privacy Policy, You confirm that we and third party lenders and marketers with whom Your information is shared according to the provisions of this Privacy Policy can use Your PII for advertising purposes, including but not limited to email and telemarketing advertising.

Your PII can be used for direct and indirect communication, including but not limited to telemarketing calls, assistance calls and credit product and service offers via the telephone number You have provided in the online form. Either we or third party lenders and marketers can use this number even though it is listed in any corporate, state, or federal Do-Not-Contact registry, suppression lists or the like. Since Your submitting of the information via online form is determined as an attempt to make a purchase or receive a service, the processing and application of Your request is performed according to the provisions of Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the “ATSR”). According to ATSR, even if Your telephone number is listed in FTC Do-Not-Call List, we are authorized to contact You upon Your given consent using telemarketing. Since Your inquiry to third party marketers and request for the service on the Website are also considered as a an attempt to make a purchase, according to ATSR these third party marketers are also authorized to contact You using telemarketing.

By giving Your consent to use the Website and provide Your information to use our services, You confirm that You are at least 18 years old and legally authorized to own and use a mobile device. You also confirm that You realize and understand the liabilities and possible charges associated with Your participation in telemarketing campaigns. Your service provider may also collect Your information. These procedures and interaction with Your service provider are regulated by the policies and terms stated by these organizations and have nothing to do with this Privacy Policy and other regulating documents on this Website.

v. The Means to Collect Non-Personally Identifiable Information

If You opt to use the Website or the Websites of third party lenders and marketers, You may encounter the use of cookies, web beacons, pixel tags, browser analysis tools and web server logs. These are small files or parts of code, used to monitor and record the features of Your online activity, such as Your geographical position, IP address, language preferences, click history, browsing history, online behavior, You operating system and browser specifications set. All this data is considered as Your non-personally identifiable information (NPII) and collected and stored to provide the customization of Your online activity.

Cookies

These are small unique files assigned by a Website server to the users of this Website when these users make visit and perform activity on the Website (such as linking and clicking). Once installed on the user’s computer, these cookies collect the information about the user’s online behavior, browsing and user experience details, and send it to us or third parties authorized to collect this information from You. Cookies are used to enable user’s recognition, to analyze user’s preferences and adjust the services provided online according to the collected information. Additionally, these small files are able to detect fraudulent activity and prevent security breach.

Cookies are of different size and length (temporary or permanent ones). Session or temporary cookies are used for a single operation on the Website and erased shortly after the user exits browser or website. Permanent or persistent cookies are stored longer and survive the exit from webpage or browser. You can manually manage Your cookies preference in Your browser’s options and delete these small files if You consider it is necessary. More about cookies and cookies management on http://www.cookiecentral.com/ and http://www.aboutads.info.

Pixel tags and web beacons

These small images are placed on webpages and emails to monitor the activity of users. These features record the activity of the user during the session, thus, enabling further adjustment and improvement of marketing campaigns and promotions. More about beacons here: www.webopedia.com/TERM/W/Web_beacon.html.

Log files are collected files, which store the information on IP address, browser type, Internet service provider, platform type, date/time stamp, click records, referring and exiting pages etc. These files are also used to provide adjustment and improve user experience online and on websites in particular.

II. Privacy Management

In order to perform effective privacy management, we establish different practices on how we use Your information. Apart from the techniques to upgrade the level of Your online experience and the use of our service and the Website, we provide the options to limit the volume of information You share or eliminate Your information from our records upon Your request.

If You do not want Your NPII information to be collected, stored, shared or used, You should exit the Website immediately. Still, it is possible that cookies, beacons and other tracing files are automatically installed. In this case, You can use Your browser preferences to delete the existing cookies manually, to adjust the default settings and request notification for cookies, accept or reject cookies, remove cookies from Your computer.

Since the Do-Not-Track protocol has not been established yet, information security and privacy management is aligned with the provisions of this Privacy Policy and related documents governing the use of this Website despite any Do-Not-Track signals. If You wish to opt out from sharing with certain third parties, You can go to www.networkadvertising.org/consumer/opt_out.asp to adjust Your options individually.

Another way to opt out from tracking Your online behavior by third party marketers is to unsubscribe from their email lists via corresponding links.

III. PII Security

Your PII is collected, stored, shared and used under strict compliance with security and privacy protection regulations and practices. We shield Your PII and all the activity performed on the Website from any attempt of malicious activity, fraud, unauthorized use and other jeopardizing online practices. We exploit electronic, physical and managerial security measures to provide overall protection for the users of the Website and Website assets to avoid loss, misuse, unauthorized modification or deformation of any information.

We limit access to the information and share Your PII strictly to the limit set by Your consent on the provisions of this Privacy Policy and other regulative means of the Website, as well as applicable laws. Within the company, Your PII can be accessed only by the authorized users and is never used publically. All the employees and other parties who have access to Your PII are obliged and liable to provide its protection and security to the extent reasonably possible. Non-compliance is subject to the disciplinary actions.

Nevertheless, no entity can unconditionally guarantee that Your online experience will be 100% secured and no violation and/or illegal intervention can take place. The owner of the Website cannot take responsibility for any illegal activity, security breach, stolen or modified information, which happen beyond the owner’s control. In order to guarantee protection from any malicious activity from the outside, You can request to erase Your data from any listing or database You consider insecure. At the same time, third party marketers who receive Your PII are contractually responsible for protecting Your information to the extent reasonably possible. We provide verification on the diligence of our partners via multiple means and regulatory contracts and check their information security policies. In case any violation takes place, applicable laws and regulations are applied to manage the situation and eliminate possible negative consequences.

IV. Information Collection from Children

The information from children under 18 years old is strictly banned and will not be performed on the Website. We provide filters, which enable anyone of illegal age to provide information on the Website. In case we detect any PII received from a user under 18 years old, we will immediately delete this information. According to the fact that we do not voluntarily collect, store, share or use any PII from the users under 18 years old, we follow and comply with the Children’s Privacy Protection Act (“COPPA”) and this Privacy Policy is built in consideration with the provisions of this Act.

V. E-consent

According to Federal Electronic Signatures in Global and national Commerce Act, the users who give their consent and e-sign electronic documents thus agree to receive documents, disclosures and notification in electronic format, provide the information via electronic means and allow sharing of this information according to the provisions of privacy policies, terms of use and other applicable laws and regulations and conduct business electronically. Once a user submits information through the Website, one gives consent to receive electronic notifications, documents and disclosures as well as the information provided directly on the Website and electronic communications with third party marketers and lenders we contract with. Any of such electronic communication received after providing Your e-consent should be considered “in writing” and have the same force and effect. The copy should be printed for records.

We and third party marketers we contract with reserve the right to discontinue the provisions of electronic documentation, notifications and other forms of e-communication. In this case, the concerning users may be provided with prior notification of the case of termination in accordance with the provisions state in the policies and terms, regulating business relationship between the parts, as well as other applicable laws and regulations. The hard copies of the documents and records originated in the electronic form are not necessary to be produced and/or stored for the purpose of facilitation and expense reduction. All electronic records, disclosures and documents are to be destroyed according to the routine schedule and procedural practices as it is determined by regulatory requirements. Any of such electronic records can be considered and recognized as a legitimate evidence to validate rights, agreements and obligations, related to the parties bounded by the provisions of these e-documents or pursuant to these records. The time for validation, legal force and providing of such e-communication may differ.

VI. Links to Third Party Websites

The Website contains the links to third part websites, may contain the links to the websites of third party marketers. Since it works as a matching service, it may connect the users of the Website to third party lenders via links. The privacy of the information provided by the users on external websites are subject to the regulations stated on these sites and has nothing to do with this Website. Additionally, these third parties have their own privacy policies and regulative documents on their websites, and it is highly recommended to review these legal documents and disclosures individually prior to sharing any PII on their websites.

VII. Notifications for the Residents of Different States

We strictly follow the regulations and codes, both federal and state. The way PII can be used is regulated in states differently. Some state regulations require the party, which collects personal information, to disclose the complete information on how and in what periods the collected information will be shared and what other parties it will be transmitted to (individually and exclusively). Additionally, it may be required to disclose what types of personal information will be shared and in what manner it is supposed to be used by these third parties. In case the user of the Website is the resident of the state, where specific regulations are in force, we recommend to contact us directly using the contacts we provide on the Website to get all the necessary information in details. In this case, each request will be processed individually. We reserve the right to deny the processing of such request if the enquiry was sent from the user who legally reside in the state where such specific regulations are not in force.

VIII. Modifications and Changes

The owner of the Website reserves the right to apply changes to this Privacy Policy at own discretion and without prior notice. In case changes or modifications take place, the renewed information will be posted on the Website and the effective date of the document will be changed to the date of the most recent update of the Privacy Policy. By default, all the information is to be used according to the version of the Privacy Policy enforced at the time this information was collected. The user has right to determine individually if this rule is acceptable or not. Nevertheless, we encourage all the users of the Website to revise the Privacy Policy information and follow the dates of modifications to keep up to date and react in case it is deemed reasonable.

IX. Inquiries and Complaints

The users of the Website are within their rights to modify, amend and withdraw their PII collected on the Website. In case it is necessary, the user who decides to make changes to their own information should contact us via email contact@ businessfinancenews.com or other contact details stated on the Website and provide inquiry regarding the modifications to be made. Similarly, if any user of the Website has any complaint regarding the operation on the Website and/or any of its service, this user should use the stated contact details and provide the details of complaint. We will review all requests and complaints in the shortest time possible and reply as soon as we can.

Privacy Policy Old Version

Who we are

Our website address is: https://businessfinancenews.com.

What personal data we collect and why we collect it

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year. If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser. When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed. If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue. For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service. This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally identifiable information’ (PII) is being used online. PII, as used in United States privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website. What personal information do we collect from the people that visit our blog, website or app? When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address or other details to help you with your experience. When do we collect information? We collect information from you when you subscribe to a newsletter or enter information on our site. How do we use your information? We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

  • To personalize user’s experience and to allow us to deliver the type of content and product offerings in which you are most interested.
  • To improve our website in order to better serve you.
  • To allow us to better service you in responding to your customer service requests.

How do we protect visitor information?

  • We do not use vulnerability scanning and/or scanning to PCI standards.
  • We use regular Malware Scanning.
  • We do use an SSL certificate

We only provide articles and information, we never ask for personal or private information like email addresses, or credit card numbers. Do we use ‘cookies’? Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We use cookies to:

  • Understand and save user’s preferences for future visits.
  • Keep track of advertisements.
  • Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies. If you disable cookies off, some features will be disabled It won’t affect the users experience that make your site experience more efficient and some of our services will not function properly. Third Party Disclosure We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses. Third party links Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites. Google Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en Google, as a third party vendor, uses cookies to serve ads on our site. Google’s use of the DART cookie enables it to serve ads to our users based on their visit to our site and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy. We have implemented the following:

  • Remarketing with Google AdSense

We along with third-party vendors, such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions, and other ad service functions as they relate to our website. Opting out: Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising initiative opt out page or permanently using the Google Analytics Opt Out Browser add on. California Online Privacy Protection Act CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf According to CalOPPA we agree to the following: Users can visit our site anonymously Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website. Our Privacy Policy link includes the word ‘Privacy’, and can be easily be found on the page specified above. Users will be notified of any privacy policy changes:

  • On our Privacy Policy Page

Users are able to change their personal information:

  • By emailing us at info@businessfinancenews.com.com

How does our site handle do not track signals? We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place. Does our site allow third party behavioral tracking? It’s also important to note that we allow third party behavioral tracking COPPA (Children Online Privacy Protection Act) When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online. We do not specifically market to children under 13. Fair Information Practices The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information. In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur: We will notify the users via email

  • Within 7 business days

We will notify the users via in site notification

  • Within 1 business day

We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors. CAN SPAM Act The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations. We collect your email address in order to:

  • Send information, respond to inquiries, and/or other requests or questions.

To be in accordance with CANSPAM we agree to the following:

  • NOT use false, or misleading subjects or email addresses
  • Identify the message as an advertisement in some reasonable way
  • Include the physical address of our business or site headquarters
  • Monitor third party email marketing services for compliance, if one is used.
  • Honor opt-out/unsubscribe requests quickly
  • Allow users to unsubscribe by using the link at the bottom of each email

If at any time you would like to unsubscribe from receiving future emails, and we will promptly remove you from ALL correspondence.

Business Finance

About Us

Business Finance News is a brand oriented to business owners and dedicated to analyzing and comparing the cost and conditions of B2B procurement of goods and services through free quotes delivered by business partners.

Contact

Address 5050 Quorum Drive, (75254) Dallas TX

telephone 844-368-6072

DISCLAIMER

A personal loan is a medium term loan with a fixed interest rate that is repaid in equal monthly payments and it's usually limited to 24 months. Loan offers and eligibility depend on your individual credit profile. Our lenders can help you obtain as much as $3,000 depending on the lender, your state and your financial situation.

The owner and operator of businessfinancenews.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning personal loan products and the industry is presented on the website for information purposes only.

Businessfinancenews.com does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. Businessfinancenews.com does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Online personal loans are not available in all the states. Not all the lenders in the network can provide the loans up to $3,000. Businessfinancenews.com cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a personal loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually. 

APR REPRESENTATIVE

APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since businessfinancenews.com is not a lender and has no information regarding the terms and other details of personal loan products offered by lenders individually, businessfinancenews.com cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with businessfinancenews.com, and businessfinancenews.com has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a personal loan product. 

Late Payment Implications

It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document. 

Non-payment Implications

Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied. 

Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means. 

Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.