Privacy Policy

Overview

Your privacy is important to us. This Online Privacy Policy explains how we collect, share, use, and protect information when you visit or use this online service and any other online services offered by IncoXchange and its affiliates that link to or reference this policy (collectively, our "online services").

As you review this Online Privacy Policy, here are a few general principles to keep in mind:

• • Our online services are intended for a U.S. audience. If you visit or use one of these online services, your information may be transferred or processed in the United States.
• • Our online services are not intended for children under 13. We do not knowingly collect personal information from children under 13 without parental consent.
• • If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with this Privacy Policy.
• • If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA).

Information We Collect

Personal Information

When you visit or use our online services, we may collect personal information from or about you including:

• • Name, email address, mailing address, and telephone number(s)
• • Business name, EIN, and business information
• • Account numbers and financial information
• • Payment card information and bank account details
• • Tax identification numbers and driver's license numbers
• • User name, password, and security credentials
• • Limited location information

Usage and Other Information

In addition to the personal information described above, we may collect certain information about your use of our online services:

• • IP address of the device you use to connect to our services
• • Type of operating system and browser you use
• • Information about the site you came from and the site you visit next
• • Parts of our online service you access
• • Cookies, web beacons, and other tracking technologies

Mobile Services

When you interact with us through mobile applications, we may collect:

• • Unique device identifiers for your mobile device
• • Screen resolution and other device settings
• • Information about your location (with your permission)
• • Analytical information about how you use your mobile device

Additional Sources of Information

We may also collect information about you from additional online and offline sources including from co-branded partner sites or commercially available third-party sources, such as credit reporting agencies, identity verification services, and fraud prevention services. We may combine this information with the personal and other information we have collected about you under this Online Privacy Policy.

How We Use Your Information

We use the information discussed above in the following ways:

• • Processing applications, transactions, and payment processing
• • Verifying your identity and preventing fraud
• • Enhancing the security of your account and our online services
• • Providing factoring, invoice financing, and related financial services
• • Responding to your requests and communicating with you
• • Managing your preferences and account settings
• • Performing analytics concerning your use of our online services
• • Providing you tailored content and marketing messages
• • Operating, evaluating and improving our business
• • Performing credit checks and risk assessments
• • Complying with and enforcing applicable legal requirements and our policies

Disclosure of Information

We may share the information we collect from and about you with:

• • IncoXchange third-party service providers
• • Financial institutions and payment processors
• • Credit reporting agencies and fraud prevention services
• • Our affiliated websites and businesses to bring you improved service
• • Other companies to bring you co-branded services or programs
• • Third parties in connection with a corporate transaction
• • Other third parties to comply with legal requirements

We do not sell your personal information. Where appropriate, we will limit sharing of your information in accordance with applicable laws and regulations.

Cookies and Tracking Technologies

We, or our service providers, may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, including:

• • Fraud prevention and security
• • Monitoring our advertising and marketing campaign performance
• • Improving website functionality and user experience
• • Understanding usage patterns and preferences

For more information about how we use cookies, please review our Cookie Policy.

Data Security

We use reasonable physical, electronic, and procedural safeguards that comply with legal and regulatory standards to protect and limit access to personal information. This includes:

• • Encryption in transit and at rest
• • Device safeguards and secured files and buildings
• • Regular security assessments and audits
• • Access controls and multi-factor authentication
• • Employee training on data protection
• • Incident response procedures

Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us.

Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• • Access and review your personal data
• • Correct inaccurate information
• • Request deletion of your data
• • Export your data in a portable format
• • Opt out of marketing communications
• • Request restriction of processing
• • Object to certain processing activities

California residents may have additional rights under the California Consumer Privacy Act (CCPA). To exercise your rights, please contact us using the information below.

Third-Party Websites

IncoXchange may provide links to websites that are owned or operated by other companies. When you use a link to visit a third-party website, you will be subject to that website's privacy and security practices, which may differ from ours. We are not responsible for the privacy practices of third-party websites.

Updating Your Information

Keeping your account information up-to-date is very important. You may review or update certain account information by logging in and accessing your account settings. If you cannot change the incorrect information online, or you prefer to request changes offline, please contact us using the information below.

Changes to This Privacy Policy

We may change this Online Privacy Policy from time to time. When we do, we will let you know by posting the revised policy on this page with a new "Last Updated" date. Any changes to this Online Privacy Policy will become effective when posted unless indicated otherwise. We encourage you to review this policy periodically.

Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: