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Privacy Policy

Empower Lend provides 100% right to your privacy. We strive to educate you on the various business funding available, giving you the ability to make the right choice for your individual needs. The following Privacy Policy explains how your personal information will be collected, used, disclosed and protected by Empower Lend. Additionally, it will include a guide to how you can contact us should you have any questions or concerns about our terms, programs or practices. This document outlines information pertaining to our privacy practices, additional capitalized terms have been further defined in our Terms and Conditions, hereinafter referred to as the “Terms”.

CONSENT

Interaction and engagement with Empower Lend, in terms of communication and/or conducting business is consent to the information you provide. This includes but is not limited to completing and submitting your Application Information via the Empower Lend Site Portal to be collected, stored, used as outlined in this Privacy Policy.

INFORMATION COLLECTED

Applications cannot be processed without verification of your personal information – information that directly and uniquely identifies a specific individual. This type of information may include any or all of: gender, birth date, marital status, professional experience, education, or credit card information.

Empower Lend collects your Personal Information to provide our Services and help you secure funding. Our Application requires Personal Information specifically your full name, date of birth, current residence, business information, social security number and the Application Information.

After submission, we communicate directly with the Lending team regarding your Application and loan specifications. These Loan Specifications may include the approval status and as such also containing the loan amount, approval date and specifics regarding the loan.

In such case that additional options become available, a third party service may be needed to obtain Service. Documents such as Statements that are submitted to the Third Party Service may also be retained by Empower Lend.

Your Personal Information is also collected when you contact us for any reason. While you retain the voluntary decision to provide any of your Personal Information, refusal to do so will restrict our ability to verify identity and eligibility.

In the case that additional individuals are included in the Application Information or process, you certify that you obtained the consent of each individual mentioned other than yourself to collect, use, transfer and disclose such Personal Information – in accordance with this Privacy Policy. This consent on their behalf confirms that you retain the authority and permission to submit the Personal Information to us.

When you utilize our Website, certain information may automatically collected regarding your computer, browser, operating system and IP address from the device used to access our Website.

INFORMATION PROTECTION

Empower Lend strives to follow generally accepted industry standards when it comes to the protection of your Personal Information. This includes the time during transmission as well as after submission has been received and storage of your Personal Information and other records. While we ensure that we take extreme precaution, no method of digital transmission and/or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.
We will delete any Personal Information provided to us by a user upon the receipt of a written request by such user. We cannot restore the information that we have deleted.

HOW WE USE INFORMATION

Empower Lend is not a government agency or representative.

Please note that we are not a government agency, government organization, financial institution, loan provider or other funding provider. We are a company providing value added services meant to connect small businesses with small business loan providers.

Third party Lenders will receive your Application Information to provide the opportunity of business funding Services. If an approval offer is received, you retain the right to choose to proceed with the process of Services or decline the offer at your will. Additionally, you retain the right to choose which Lender(s) services you would like to proceed.

Empower Lend is not responsible for errors in the content you provide by you in the Application Information, submissions or supporting documents, including your Statements, to us or any Third Party Service on our website.

Unless otherwise outlined in these Terms, your Personal Information is not shared with third party services without your written, digital or verbal consent.

Your Personal Information may be used by Empower Lend for internal diagnostics such as Site and server optimization and updates to maintain an optimal, functional and user-friendly Site.
Empower Lend may share your Personal Information with members of our corporate family, third party vendors, service providers and Lenders. We may also authorize third party Lenders, vendors or service providers to collect information on our behalf.

Third party products or services made are available on our website. A third party can be recognized by their name or logo, either alone or with ours. By choosing to access these products or services, you give consent for us to share information about you, including your Personal Information, with those partners. This Privacy Policy does not extend to such Third Party Services and each may be associate with their own respective Terms. If you wish to no longer allow that third party to use your information, please contact that third party directly.

By landing on our Site by referral from another website via form, link or other digital transfer, you consent for Empower Lend to share your Personal Information from that website. In accordance with this Privacy Policy, which is exclusive to Empower Lend, and unassociated with that set by the website which referred you.

Additionally, when you link to one of our partners from our Site, we provide that partner with a unique identifier so they know that you were referred from our Site. This unique identifier will not contain any of your Personal Information.
Empower Lend analyzed all data information we receive, which may include information concerning users, hereinafter referred to as “Statistical Information”. This information helps understand trends and user needs for optimized product and service development. Statistical Information does not include or expose the identity of individuals and will not be linked to any Personal Information. We may share Statistical Information with our partners, without restriction, on commercial terms that we can determine in our sole discretion.

We also use a tool called “Google Analytics” to collect information about the use of the Site or Services. Google Analytics collects information such as how often users visit this Site, what pages they visit when they do so, and what other sites they used prior to coming to this Site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. We use the information we get from Google Analytics only to improve our Site and Services. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use located at http://www.google.com/analytics/terms/us.html and the Google Privacy Policy located at http://www.google.com/policies/privacy/.

Within lawful reason, Empower Lend may disclose your Personal Information for an additional purpose other than that for which it was collected, hereinafter referred to as “secondary purpose(s)”, and utilized in unique circumstances, as reasonable expected when regarding business funding. We can, as authorized by you, disclose any collected information about you as we reasonably believe, in our sole discretion and as applicable by law. This includes when disclosure is required or authorized by or under a competent court, tribunal or regulatory entity’s order; to lessen or prevent serious threat to your health and safety or to public health or safety; to take appropriate action where we have reason to suspect that unlawful activity, or misconduct of a series nature, that relates to our business functions or activities has been, is being, or may be engaged in; to assist another entity, body or person to locate a person who has been reported as missing; for the establishment, exercise or defense of a legal or equitable claim; for the purposes of a confidential alternative dispute resolution process or for one or more enforcement related activities conducted by, or on behalf of, an enforcement body.

COOKIES

By standard definition, as “cookie” is a small, unique piece of digital information that is sent to a visitor’s web browser. In turn, the browser provides text to the digital information, sending it to the device used when the visitor returns. Empower Lend utilizes such cookies to customize and cater user experience and site functionality. When logging into any application or portal we provide, cookies will also be used to recognize and verify your identity, eliminating the need to log in upon each use. You retain the right to change the cookies settings on your device at your will, however doing so may restrict your access to some applications or portals.

REFERRAL LINKS

There are Third Party links available to you throughout our Site. Personal Information that you provide to referral links and/or pages is provided directly to this third party and is subject to this third party’s provider’s privacy policy. Empower Lend does not have access to nor are we responsible for the information collected by those third party websites or by our partners. Except as described in this Privacy Policy, we are not responsible for the content or privacy practices of third party websites to which we or our partners link.

Empower Lend may connect with you through Facebook or another third party social media platform, hereinafter referred to as a “Third Party Platform”, regarding the Services. By agreeing to connect with us through a Third Party Platform you are authorizing us to collect, store, and use, in accordance with this Privacy Policy, any and all information that you agreed that the Platform could provide to us, in connection with the Services, based on your Third Party Platform settings. Your agreement takes place when you connect with us via your Third Party Platform account.

SITE ACCESS TO CHILDREN

Empower Lend provides business loan services to business owners. As such, you must be at least 18 years of age in order to use the Site and/or Services. We do not knowingly collect personally identifiable information from children under the age of 13. In the event you become aware that somebody under the age of 13 has enrolled without parental permission, please inform us immediately.

INFORMATION UPDATE AND CORRECTION

All information provided during and from your initial engagement with Empower Lend is accessible to you for edit, correct and update. To request such access or to reset such access please contact Empower Lend directly at:

Email address: support@empowerlend.com

Postal Address: 433 Broadway, New York, NY 10013

We will retain your information for as long as your account is active or as needed to provide you Services. If you wish to request that we no longer use your information to provide you Services, please contact us at the email address, postal address, or telephone number listed above. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

COMMUNICATIONS

You may receive communications from Empower Lend via channels such as email, SMS and social media messages, specifically but not limited to Facebook or LinkedIn. We may also contact you by the telephone number(s) you provide, as well as direct mail. By accepting the Empower Lend Terms and Conditions for both our Site and our Services – including this Privacy Policy – you give your full consent and permission for us to do so. At anytime after registration, you retain the right to remove your personal information from our communication list, seizing future communication. To do so, follow the unsubscribe list provided at the closure of every communication or sending an request via direct email to unsubscribe@empowerlend.com

Empower Lend reserves the right to send you service related communications, such as service announcements and admin messages, regarding your transactions on this Site or Services, without offering you the opportunity to opt out of receiving them unless you cancel your account. Please note that you may still receive information from third parties to whom Empower Lend may have disclosed your Personal Information prior to your opt-out. If you no longer wish to receive information from such third party, please contact them directly.

We may contact you via phone call (if you have provided us with it), voicemail, email or media messages regarding the Site or Services. We may contact you by the telephone number you provided us even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list. If you would rather not receive telephone calls from us, you may change or delete your number from your account preferences page(s), or ask to be removed from our contact list if you receive a call from us.

ADDITIONAL USES OR TRANSFERS

Empower Lend will cooperate in accordance with state and federal laws to enforce any court order that requests or directs us to disclose your Personal Information, behavior or submission if suspected to be involved or have been involved in illegal or infringement behavior.

We may transfer our databases containing your Personal Information if we sell our business or part of it.
CHANGES

This Privacy Policy may be altered, changed and/or updated at times for optimal user experience. At which time, we will notify you via publication on this Site, as such, we recommend that you review it consistently.

COMMENTS, QUESTIONS, OR COMPLAINTS

If you have any comments or questions about our privacy policy, please contact us at support@empower.com.
Last updated: 9/3/2019