PayPoint Funding | Terms & Conditions - PayPoint Funding

Terms & Conditions/

Privacy Policy

Terms of Use

Terms of Use between User and PayPoint Funding

These Terms of Use govern the use of the paypointfunding.com website (the “Site”). They should be read carefully before accessing or using the Site. PayPoint Funding, Inc. and its affiliates (“PayPoint Funding”) provide the information and services located on the Site. Please read these Terms of Use carefully. By accessing this Site, you agree to be bound by these Terms of Use.

 

Guidelines for Using PayPoint Funding Copyrights

 

All of the pages and screens on the Site are owned and controlled by PayPoint Funding, except as otherwise expressly stated, and are protected by U.S. copyright laws and international treaties. The copyright protected materials on the Site include, but are not limited to, the text, design, software, images, graphics, source code, “look and feel” and other content on the Site.

 

You are authorized to view the information available on the Site for your informational purposes only. You may download copyright-protected materials for your personal, non-commercial, and non-public use purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyright protected material. You may not copy, display, distribute, modify, transfer, link to, reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Site for any commercial or public use without PayPoint Funding’s prior written consent.

Privacy Policy

Overview

 

This Privacy Policy applies to www.paypointfunding.com (the “Site”), which is owned and operated by PayPoint Funding, Inc. (“PayPoint Funding”, “We”, “Our” or “Us”). The Site facilitates our business loan products and related services (collectively “Services”). This Privacy Policy describes how PayPoint Funding collects and uses the personal information you provide (directly or through third parties), or which is automatically generated when you interact with our Site.

 

This Privacy Policy also describes the choices available to you regarding our use of your personal information and how you can access and update such information. For purposes of this Privacy Policy, “Personal Information” means the information you provide that personally identifies you, including your contact information, IP address, and loan application information. A portion of the Personal Information we collect, use, share, and a store is sensitive in nature, including your social security number and financial account information.

 

We respect your privacy and are committed to protecting it and want you to be informed about the ways we protect, use and share the information that we collect. This Privacy Policy serves to inform you of our policies and procedures regarding the collection, use and disclosure of the information we receive when you visit the Site and when you access any part of our services, software, applications, content, programs and products available through the Site or other related toolbars, widgets, applications or distribution channels operated by us. This Privacy Policy applies to the Site and the Services.

Information We May Collect

 

We may collect the following information from you:

 

Contact information such as name, business name, email address, mailing address, and phone number; financial information such as bank statements, credit card statements, your average bank balance, personal and business credit history, payment history, bank account information, and federal tax ID number; your Social Security number; business information including company size, business type, etc.; and Beneficial Ownership information.

 

Once you are a PayPoint Funding customer, we may reach out to you for, or otherwise obtain, information if you decide to renew or as otherwise needed to provide Services.

Log Data and Non-Personal Identification Information (Non-PII)

 

As is true of most websites, we also collect information, characteristics and activities of users of the Site and of the Services, from which any Personal Information has been removed (“Non-Personal Identifiable Information” or “Non-PII”). When you access the Site or use the Services we may collect Non-PII, including without limitation:

 

Information regarding your use of the Site or the Services, including without limitation, activity and visit behavior on the Site and information that your browser sends whenever you visit a website or online service (“Log Data”). This Log Data may include, but is not limited to, your computer's Internet Protocol (IP) address, internet service provider (ISP), device type, browser type, operating system and version, the web page you were visiting before you came to the Site, information you search for on the Site, local preferences, identification numbers associated with your devices, your mobile carrier, date and time stamps associated with transactions, system configuration information, metadata concerning your files, clickstream data, and other interactions with the Site and the Services;

 

We may combine Log Data information with other information we collect about you. We do this to improve the services we offer you and to improve marketing, analytics, and Site functionality.

Authorization to Communicate Electronically 

By entering into this agreement, you also consent to do business electronically with us. By doing business with us electronically, you understand that electronic transactions, not limited to emails, are inherently unsecured and that our company and you will take all reasonable steps to maintain the privacy of the information shared between us. You also consent to receive information and documents relating to this agreement and our services via email, text message, facsimile, voicemail, and any other common electronic means. You also understand that all costs associated with the receipt, review, and use of such electronic communications shall be yours, such as maintaining access to the internet or paying for text messages. Also, by entering into this agreement you consent to receive updates and documents relating to this agreement and the services offered by our company via prerecorded voice messages, text/SMS
messages, and/or through the use of an automated dialing system to any cellular or other telephone numbers provided by you, whether or not such telephone numbers appear on any do-not-call list. This consent does not require a purchase. We do want you to know that you may contact our company at any time to opt-out of receiving updates, new programs or offers through prerecorded or autodialed messages.

 

Use of Information

 

We use the information we collect to:

  • Compile, save, use and analyze your personal information;

  • Operate, maintain, improve, and provide to you the Services and to conduct our business;

  • Verify your identity and conduct appropriate due diligence;

  • Process your application and determine whether or not your business qualifies for our Services;

  • Process your business loan account, including deducting automatic payments;

  • Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications;

  • Post and review your comments on our Site;

  • Conduct research and analyses to understand our customers better; and

  • Produce data analytics and reports containing anonymized summaries of personal information and other information that is not Personal Information that we share with business partners.

 

We may collect Personal Information from users in a variety of ways, including, but not limited to, when users visit our Site, subscribe to the newsletter, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. We will collect Personal Information from users only if such information is voluntarily submitted to us. Users can always choose to refuse to supply Personal Information, which may prevent, in some instances, engaging in certain Site related activities.

 

How We May Also Use Collected Information

 

PayPoint Funding may collect and use your information for the following purposes:

To improve customer service - Information you provide helps us respond to your customer service requests and support needs more efficiently.

• To personalize user experience - We may use information in the aggregate to understand how our users as a group use the Services and resources provided on our Site.

• To improve our Site - We may use feedback you provide to improve our Site and/or Services.

• To process payments - We do not share this information with outside parties except to the extent necessary to provide this service.

• To run a promotion, contest, survey or other Site feature - To send Users information they agreed to receive about topics we think will be of interest to them.

• To send periodic emails - We may use the email address to send you information and updates. It may also be used to respond to inquiries, questions, and/or other requests.

Web Browser Cookies

 

Cookies are small bits of information that this Site places on your computer. We and our third-party service providers use cookies and pixel tags to identify your IP address, browser type, domain name, and specific web pages through which you click. This data is collected automatically and utilized to help us look for trends to improve our Site and your interactive experience. The cookies allow us to recognize you when you return to the Site and to provide you with a customized experience that we feel will be of value to you. The cookies that are configured by this Site do not contain any personally identifying information, such as your name, or sensitive information, such as your bank account number. You can instruct your browser, by changing its options, to stop accepting cookies or to prompt you before accepting a cookie from the website you visit. If you do not accept cookies, however, you may not be able to use all portions of the Site or all functionality of the Site or the Services.

Social Media and Widgets

 

The Site and Services provide users the opportunity to interact and post content through various social media sites including, but not limited to, Facebook and Twitter (“Social Media”). Your interactions with the Social Media sites and any information you provide to us in connection with such interactions are not Personal Information. Our Site may also include social media features, such as the Facebook “Like” button, and widgets, such as the “Share” this button, or interactive mini-programs that run on our Site (“Features”). These Features may collect your IP address, which page you are visiting on our Site, and may set a cookie to enable the features to function properly. The Features are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Tracking Technologies and Analytics Information

 

We use third-party analytics tools (such as Google Analytics) to help us measure traffic and usage trends for the Site and the Services. These tools collect information sent by your browser as part of a web page request, including the web pages you visit, your browser add-ons, and other information that assists us in improving the Site and the Services. We may collect and use this analytics information together with your Personal Information and stitch together session data from unauthenticated user visits with authenticated user visits to build a broader profile of our individual users so that we can serve you better. These technologies are used in analyzing trends, administering the Site, tracking users’ movements around the Site and to gather demographic information about our user base as a whole. You can find out more information about how Google Analytics works and collects and processes the data here: www.google.com/policies/privacy/partners/

Site-Specific Services

 

We may post additional ancillary privacy notices with respect to specific services.

 

Links to Third Party Websites

 

Our Site includes links to other websites whose privacy practices may differ from those of PayPoint Funding. We may present links in a format that enables us to keep track of whether these links have been followed. If you submit Personal Information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

 

This Privacy Policy applies only to the Site and the Services. We do not exercise control over third-party services or other websites that provide information, or over banners, other advertisements or links from within the Site. These other sites may place their own cookies or other files on your computer’s browser, collect data or solicit personal information from you. Other websites follow different rules regarding the use or disclosure of the personal information that you submit, and the collection and use of such information and access of any third-party websites are subject to such third parties’ privacy policies. We encourage you to read the privacy policies and other terms of such third parties' websites before using their services.

How We Protect Your Information

 

PayPoint Funding is concerned about safeguarding the confidentiality of your Personal Information. We employ administrative, physical and electronic measures designed to protect your Personal Information. We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your Personal Information, username, password, transaction information and data stored on our Site. However, we cannot guarantee unauthorized personnel will not gain access to your Personal Information despite our efforts. You should note that in using the Site, your information would travel through third party infrastructures, which are not under our control. PLEASE DO NOT PROVIDE ANY PRIVILEGED INFORMATION ON THE SITE OR WHEN USING THE SERVICE.

 

Sharing Your Personal Information

 

We do not sell, trade, or rent your Personal Information to others. We may share generic aggregated demographic information not linked to any Personal Information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may use third-party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes if you have given us your permission.

User Access and Choice

 

If your Personal Information changes, or if you no longer desire our Services, you may correct, update, amend, delete/remove, ask to have it removed from a public forum or testimonial on our Site or deactivate it by emailing our Customer Support at info@paypointfunding.com or by contacting us by postal mail at the contact information listed below. We will respond to your request within 30 days.

 

We will retain your information for as long as your account is active or as long as reasonably useful for commercial purposes. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

 

We May also Disclose Your Personal Information

  • As required by law, such as to comply with a subpoena, or similar legal process, including in a bankruptcy proceeding;

  • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a request from a governmental entity;

  • If PayPoint Funding is involved in a merger, acquisition, or sale of all or substantially all of its assets or equity, in which case, you will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information; and

  • To any other third party with your prior consent to do so.

 

Testimonials

 

We display personal testimonials of satisfied customers and other endorsements on our Site. With your permission, we may post your testimonial, including your name. If you wish to update or delete your testimonial, please contact us by email at info@paypointfunding.com or by postal mail at the contact information listed below.

 

Opt-Out Policy

 

PayPoint Funding and our business partners may contact you to offer you products and services that may be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations or other forms of contact from PayPoint Funding and our trusted business partners by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings or contacting us by email at info@paypointfunding.com or by postal mail at the contact information listed below.

Changes to this Privacy Policy

 

PayPoint Funding has the discretion to update this Privacy Policy at any time. When we do, we will revise the “last updated” date below. We encourage you to frequently check for any changes to our privacy practices to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree it is your responsibility to review this Privacy Policy periodically and become aware of modifications.

 

Your Acceptance of these Terms

 

By using this Site, you signify your acceptance of these terms. If you do not agree to these terms, please do not use our Site. Your continued use of the Site following the posting of changes to this Privacy Policy will be deemed your acceptance of those changes.

 

Contacting Us

 

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:


PayPoint Funding
21700 Oxnard Street

Woodland Hills, California 91367

 

or

866.292.6701
or

info@paypointfunding.com

 

 

This document was last updated on May 1, 2019.

21700 Oxnard Street, Suite 460

Woodland Hills, CA 91367

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