Children's Privacy Policy

Our Commitment to Children's Privacy

IncoXchange takes the privacy of children seriously. We comply with the Children's Online Privacy Protection Act (COPPA), a federal law designed to protect the privacy of children under 13 years of age.

Our services are designed for businesses and are not directed to children under 13. We do not knowingly collect personal information from children under 13 without verifiable parental consent.

Services Not Directed to Children

IncoXchange provides B2B financial services including invoice factoring, asset-based lending, and supply chain financing. These services are intended solely for use by businesses and adults who are at least 18 years of age or the age of majority in their jurisdiction.

Our website, mobile applications, and related services are not designed for, marketed to, or intended for use by children under the age of 13. We do not knowingly solicit or collect personal information from children under 13.

Information We Collect from Children

We do not knowingly collect personal information from children under 13 through our general services. If we become aware that we have inadvertently collected personal information from a child under 13, we will take steps to delete that information as soon as possible.

Parental Consent

If, in the future, we offer any services or features specifically designed for children under 13, we will:

• • Provide clear notice to parents about what information we collect from children
• • Obtain verifiable parental consent before collecting, using, or disclosing personal information from children
• • Provide parents the option to consent to the collection and use of their child's information without consenting to disclosure to third parties
• • Limit collection of personal information from children to what is reasonably necessary to participate in an online activity
• • Give parents access to their child's personal information and the opportunity to delete it
• • Give parents the option to stop further collection or use of their child's information
• • Maintain the confidentiality, security, and integrity of information collected from children

Methods of obtaining verifiable parental consent may include requiring a parent to provide a credit card or other form of payment, calling a toll-free number, or returning a signed consent form via mail or electronic scan.

What Parents Should Know

We encourage parents and guardians to take an active role in their children's online activities. Parents should:

• • Monitor their children's use of the internet and websites
• • Educate children about not providing personal information online without permission
• • Review privacy policies of websites and services their children use
• • Use parental control tools and internet filters
• • Teach children about internet safety and privacy

If a parent or guardian becomes aware that their child has provided us with personal information without parental consent, they should contact us immediately using the contact information below.

Third-Party Websites and Services

Our services may contain links to third-party websites and services that are not operated by IncoXchange. This Children's Privacy Policy does not apply to third-party websites or services. We encourage parents to review the privacy policies of any third-party websites or services that their children may visit or use.

Collection Through Cookies and Tracking Technologies

We may use cookies and similar tracking technologies on our websites and applications. These technologies may collect information about usage patterns and device information. Because we do not direct our services to children, we do not knowingly use cookies or tracking technologies to collect information from children under 13.

Parents can manage cookie settings through their browser preferences. For more information about cookies, please see our Cookie Policy.

Data Security

We implement reasonable security measures to protect against unauthorized access to or unauthorized alteration, disclosure, or destruction of personal information. While we strive to protect personal information, no method of transmission over the internet or electronic storage is 100% secure. If we collect information from children in the future, we will maintain the confidentiality, security, and integrity of that information consistent with COPPA requirements.

International Visitors

Our services are provided from the United States and are subject to U.S. laws, including COPPA. If you are accessing our services from outside the United States, please be aware that information may be transferred to, stored, and processed in the United States where our servers are located and our databases are operated.

If We Learn a Child Under 13 Has Provided Information

If we become aware that a child under 13 has provided us with personal information without verifiable parental consent, we will:

• • Delete the information as soon as possible
• • Not use the information for any purpose
• • Not disclose the information to third parties
• • Terminate any account associated with the child

If you are a parent or guardian and believe that your child under 13 has provided personal information to us, please contact us immediately.

Changes to This Children's Privacy Policy

We may update this Children's Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify parents of any material changes that affect how we collect, use, or disclose children's personal information, and will obtain parental consent for any material changes if required by law. The "Last Updated" date at the top of this policy indicates when it was most recently revised.

Contact Us

If you have questions about this Children's Privacy Policy, believe your child has provided personal information to us, or wish to review, modify, or delete information we may have about your child, please contact us:

Please include "Children's Privacy" in the subject line of your communication.

Additional Resources

For more information about protecting children's privacy online, we recommend the following resources:

• • Federal Trade Commission - COPPA: ftc.gov/coppa
• • OnGuard Online: consumer.ftc.gov/protecting-kids-online
• • ConnectSafely: connectsafely.org