Privacy Policy FAQs

General Questions

What information does IncoXchange collect?

We collect various types of information including personal identifiers (name, email, phone number), financial information (bank account details, credit card information), business information (EIN, financial statements), and usage information (how you interact with our website and services). For a comprehensive list, please see our Online Privacy Policy.

Why does IncoXchange need my personal information?

We need your personal information to provide factoring, invoice financing, and other financial services. This includes verifying your identity, evaluating creditworthiness, processing transactions, preventing fraud, complying with legal requirements, and improving our services. We only collect information that is necessary for these purposes.

Does IncoXchange sell my personal information?

No, IncoXchange does not sell your personal information to third parties for monetary consideration. We may share information with service providers, financial institutions, and other parties as necessary to provide our services, but we do not sell your data.

How does IncoXchange protect my information?

We implement industry-standard security measures including encryption in transit and at rest, multi-factor authentication, regular security assessments, access controls, employee training, and incident response procedures. While we strive to protect your information, no method of transmission over the internet is 100% secure.

Account and Access

How can I access my personal information?

You can access much of your personal information by logging into your IncoXchange account. If you need access to additional information or cannot log in, please contact our Privacy Team at privacy@incoxchange.com or call us at +1 (888) 893-3263.

How do I update my personal information?

You can update most of your personal information through your account settings. For information you cannot update yourself, please contact our support team. Keeping your information up-to-date is important for providing you with the best service and ensuring security.

Can I delete my account?

Yes, you can request deletion of your account by contacting us. However, we may retain certain information as required by law, for legitimate business purposes (such as fraud prevention), or to fulfill contractual obligations. We will inform you of any information we must retain and the reason for retention.

How long does IncoXchange keep my information?

We retain your information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods vary based on the type of information and applicable legal requirements. Financial records are typically retained for 7 years in accordance with banking regulations.

Sharing and Third Parties

Who does IncoXchange share my information with?

We share your information with:

• • Service providers (payment processors, cloud storage, analytics)
• • Financial institutions and credit bureaus
• • Identity verification and fraud prevention services
• • Professional advisors (attorneys, accountants)
• • Government agencies when required by law
• • IncoXchange affiliates for business operations

Does IncoXchange share information with credit bureaus?

Yes, as a financial services provider, we may report account information to credit bureaus and obtain credit reports as part of our credit evaluation process. This is standard practice in the financial services industry and helps us make responsible lending decisions.

What happens if IncoXchange is acquired or merged with another company?

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the acquiring entity. We will notify you via email and/or a prominent notice on our website before your information becomes subject to a different privacy policy.

California Privacy Rights

What are my rights under the California Consumer Privacy Act (CCPA)?

As a California resident, you have the right to:

• • Know what personal information we collect, use, and share
• • Request deletion of your personal information
• • Correct inaccurate personal information
• • Opt out of the sale or sharing of personal information
• • Limit the use of sensitive personal information
• • Not receive discriminatory treatment for exercising your rights

How do I exercise my CCPA rights?

To exercise your CCPA rights, call us at +1 (888) 893-3263, email us at privacy@incoxchange.com, or submit a request through your account settings. We will verify your identity before processing your request.

How long does it take to process a CCPA request?

We will respond to your request within 45 days. If we need additional time (up to 90 days total), we will notify you of the extension and the reason. Complex requests may take longer to process.

Marketing and Communications

How do I opt out of marketing emails?

You can opt out of marketing emails by clicking the "unsubscribe" link at the bottom of any marketing email, updating your communication preferences in your account settings, or contacting us directly. Please note that you will continue to receive transactional and service-related emails even after opting out of marketing.

Will I still receive emails after opting out?

Yes, you will continue to receive important account notifications, transaction confirmations, security alerts, and other service-related communications. These are necessary to provide our services and are not considered marketing communications.

Does IncoXchange use cookies?

Yes, we use cookies and similar tracking technologies for purposes such as authentication, security, analytics, and personalization. You can control cookie settings through your browser preferences. For more information, please see our Cookie Policy.

Security and Fraud

What should I do if I suspect fraud on my account?

If you suspect fraudulent activity, immediately contact our security team at security@incoxchange.com or call us at +1 (888) 893-3263. Change your password right away and review your recent account activity for any unauthorized transactions.

How does IncoXchange verify my identity?

We use various methods to verify identity including knowledge-based authentication, document verification, database checks, and multi-factor authentication. Identity verification helps prevent fraud and ensures compliance with Know Your Customer (KYC) regulations.

What is multi-factor authentication and should I use it?

Multi-factor authentication (MFA) adds an extra layer of security by requiring two or more verification methods. We strongly recommend enabling MFA on your account. It significantly reduces the risk of unauthorized access even if your password is compromised.

International Users

Can I use IncoXchange services from outside the United States?

Our services are primarily designed for U.S.-based businesses. If you access our services from outside the United States, your information will be transferred to, stored, and processed in the United States. By using our services, you consent to this transfer and processing.

Does IncoXchange comply with GDPR?

While our services are primarily directed to U.S. users, we respect the privacy rights of all individuals. If you are in the European Union and believe GDPR applies to you, please contact our Privacy Team to discuss your rights.

Still Have Questions?

If you have additional questions about our privacy practices that are not answered here, please contact us: