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.
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.
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.
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.
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.
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.
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: firstname.lastname@example.org
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.
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.
COMMENTS, QUESTIONS, OR COMPLAINTS
Last updated: 9/3/2019