This General Privacy Policy (the “Privacy Policy”) applies to www.cancapital.com (the “Site”), which is owned and operated by CAN Capital, Inc. (“CAN Capital,” “we” or “our”).
At CAN Capital, we recognize and respect your privacy. This Privacy Policy explains how we collect, use, and disclose personally identifiable information (“Personal Information”) gathered through our Site. This Privacy Policy applies to information collected through our Site as well as our collection of Personal Information from other sources, such as from sales representatives including any independent sales or marketing representative (each, an “ISO”) who may refer you or your business to us, through email communications, our online channels (including websites, ISOs, mobile applications and social media websites) and to Personal Information you provide us offline (e.g., at trade shows or sales exhibitions or directly to an ISO), when you submit a business funding application over the phone, or when you contact our customer service or collections departments. Note that this is a business-to-business, not a consumer, website and that we may also collect information regarding businesses. Again, this Privacy Policy applies to Personal Information about individuals and not to information about businesses.
The Privacy Policy is subject to and incorporates by reference our Terms of Use, including its limitation on liability.
You may browse our Site without creating an online account, but to use certain features you or your ISO may be required to create an account. When you create an account with us, we may collect your name, email address, contact information, a username and password that you will use to access your account and other information. In addition, to submit a question, comment, or post to a blog, you may be required to submit your name and email address, and we may also ask you for other optional information, such as your business’s website address.
We may also collect information from you if you log into our Site through an account created with a third-party website (e.g., QuickBooks, Facebook, or LinkedIn). The option to access our Site via these third-party websites may occur and will be entirely at your option. The information we are able to migrate to our Site from these third-party websites will depend on the privacy settings that you have in place with the third-party site from which you log in. If you choose to log into the Site via a third-party website, you hereby consent to our access to and collection of such Personal Information about you.
We also may collect the following types of Personal Information about you:
We may also append to the Personal Information collected new or other data that we receive from other sources, such as public records, demographic information, and other background information supplied by information services or third parties.
In addition, we automatically collect through our Site information that is often not personally identifying, such as the website from which you came to our Site and your IP address, browser type, and other information relating to the device through which you access the Site. We may combine this information with the Personal Information we have collected from you, which we store in log files. We do this to improve services we offer you.
Some information collected from you is required and some is optional; some will remain private and some will be shared with third parties. Additional information may be gathered during your subsequent use of the Site, whenever you choose to provide it.
Certain Personal Information must be supplied to determine eligibility for financial products and to verify and guard against potential fraud.
We will use this information to request a credit report from a credit bureau to process your business’ application as well as to help assess your business funding request in the context of your and your business’ overall financial situation. We will also use your required and optional information to facilitate activities and transactions that need to occur during the funding process.
We use the Personal Information you provide us and allow us access to as described herein for the following purposes:
We will share your Personal Information with third parties only in the ways that are described in this Privacy Policy. We do from time to time provide others with your information, for various products and services including working capital or equipment financing, as described below. We may disclose Personal Information to third parties for the following purposes:
Notwithstanding anything else in the Privacy Policy, we may share aggregate or personally identifying information about users with third parties for marketing, advertising, research, or other business purposes.
IMPORTANT: All business loans are currently made by WebBank, and if you request a loan through us, your Personal Information will be shared with WebBank. All equipment financing transactions through us are currently made both directly and by a select network of providers. If you request equipment financing through us, your Personal Information will be shared with this network of providers.
CAN Capital may, from time to time and in its sole discretion, elect to contract with one or more other bank(s) or financial service provider(s) to underwrite loans. In such case, you will be notified of such bank(s) or financial service provider(s) during the loan process.
In the preceding twelve (12) months, CAN Capital has not sold Personal Information.
If your Personal Information changes, or if you no longer want updates or to be contacted for new products, you may correct, update, amend, delete/remove or deactivate your contact information by emailing our Customer Support at compliance@cancapital.com or by contacting us by telephone or postal mail at the contact information listed below. We will update your file within 30 days.
We will retain your information for as long as your account is active or as needed to provide you services. In addition, we are required to retain your information as necessary to comply with our legal obligations, resolve disputes, and enforce agreements.
Technologies such as: cookies, beacons, tags and scripts are used by CAN Capital and our analytic partners or service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
We use cookies to remember users’ settings or for authentication. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.
Third Parties, with whom we partner to provide certain features on our site or to display advertising based upon your web browsing activity, use Local Storage (LS) also known as HTML5 to collect and store information. Various browsers may offer their own management tools for removing LS’s (HTML5). We partner with third parties to either display advertising on our Site or to manage our advertising on other sites. Our third party partners may use technologies such as cookies to gather information about your activities on this Site and other sites in order to provide you advertising based upon your browsing activities and interests.
Our Site includes or may include Social Media Features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our Site. These Features may collect your IP address, which page you are visiting on our Site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.
We may, from time to time, allow users or third parties to post information to our Site, such as comments or blogs or to offer you information on small business topics. Any information that you post to our Site becomes public information and may be viewable by other users, as well as visitors to our Site (this is not true of uploaded documents as part of the funding process). In addition, your name, as well as other optional information you choose to submit along with the information you post, will be publicly displayed along with your comment or blog. We are not responsible for the privacy of any information that you choose to post to our Site, or for the accuracy of any information contained in those postings. We cannot prevent such information from being used by others in a manner that may violate this Privacy Policy, the law, or your personal privacy. To request removal of your Personal Information from our blog or community forum, contact us at compliance@cancapital.com. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why. Your posting of any content to any of the Site is subject to our Terms of Use.
We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at compliance@cancapital.com.
At times, our Site may contain links to other, third-party websites. Any access to and use of such linked websites is not governed by this Privacy Policy but, instead, is governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites.
We may send you emails or text messages from time-to-time about information that we (or third parties) believe may be of interest to you. We may also send you news and offers from us or other third parties, which may include our newsletter or information about special offers, products or offerings, or other items. If, at any time, you would like to stop receiving these promotional e-mails or text messages, you may follow the opt-out instructions contained in any such e-mail or text message. Please note that it may take up to 10 business days for us to process opt-out requests. If you opt-out of receiving emails or promotions from us, we still may send you e-mails about your business’ account, your business’ application or any products or services you have requested or received from us, or for other customer service purposes.
The Site is hosted in the United States. If you are accessing the Site from outside the United States, by providing your information to the Site, you are consenting to and authorizing the transfer of your information to the United States for storage, use, processing, maintenance, and onward transfer of such information to other entities regardless of their location in accordance with this Privacy Policy and our Terms of Use. You are also consenting to the application of United States law in all matters concerning the Site.
CAN Capital takes reasonable steps to safeguard your personal and sensitive information through vigorous physical, electronic, and operational policies and practices. Data can only be read or written through defined service access points, the use of which is password-protected. The physical security of the data is achieved through a combination of network firewalls (there is no direct communication allowed between the database server and the Internet) and servers with operating systems, all housed in a secure facility. Access to the system is controlled.
Further, we also equip our servers with Secure Socket Layer (SSL) certificate technology to ensure that when you connect you are actually on our Site. SSL also ensures that all data entered into the Site is encrypted. To verify that SSL is being used, look for the key or padlock icon on your browser. For further encryption protection, we use a 128-bit secure browser for logins and transactions. Portions of our Site also make use of “CAPTCHA” technology, which is a test that we use to ensure certain sensitive transactions are being initiated by a human and not by another computer. The test involves viewing a distorted image of a word that a computer would not be able to interpret and then entering in the text shown in the image. Finally, we subject our systems to periodic security audits to ensure that your information is thoroughly protected and secure.
No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Site, you can contact us at compliance@cancapital.com.
We store all sensitive financial data such as social security numbers and bank accounts in a secure environment.
We also employ session time-outs to protect your account. You will be logged out of the Site automatically after a specified period of inactivity. This time-out feature reduces the risk of others being able to access your account if you leave your computer unattended.
When we contact you about your account or to confirm a funds transfer, we only reference the last four digits of your social security number; this is done for your protection.
Your password is not known to any employee or third party with whom we may partner, and we will never ask for your password as a means of identifying yourself. You should never share your password with anyone, and if you ever receive an email purporting to come from us that asks for your password, you should immediately report this development to us at compliance@cancapital.com.
In addition to our own substantial efforts, you can take several precautions to protect the security of your computer and Personal Information. For instance, you can start by using a complex/well-chosen password. You should avoid using any information that others can easily learn about you, such as a family member’s name or birthday; you can also use special characters in place of letters. We also recommend that you change your password frequently. You can also install and regularly update antivirus and firewall software to protect your computer or device from external attacks by malicious users. When you are finished with a session on our Site, be sure that you log out and close the browser window.
If you use a computer that is accessed by other people, such as in a public library or Internet cafe, we recommend that you take special precautions to protect the security of your account and personal data. When you are finished using our Site, you should log out completely, then close the browser window and clear the browser’s cache files.
You should also be aware of fraudulent attempts to gain access to your account information known as “phishing.” Phishing is a tactic used by scammers in which unsuspecting people are brought to a website by a genuine-looking email purporting to be from a legitimate company. The phony or “spoof” email takes the person to a website that looks legitimate but in fact is not. Either in the email itself or on this fake site, scammers will ask for login information to gain access to people’s accounts and withdraw their money. CAN Capital will never ask you for your Site login information in the context of any email. In general, you can protect yourself against phishing by never providing personal or login information via an email, instead, go to the website directly. You might also make it a habit to check the URL of a website to be sure that it begins with the correct domain. You should always ensure the URL begins with http://www.cancapital.com or https://www.cancapital.com.
We may update this Privacy Policy to reflect changes to our information practices at our discretion and at any time. When we make changes to this Privacy Policy, we will post the updated Privacy Policy on the Site and update the Privacy Policy’s revision date. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.
Questions? You may contact us with any questions or concerns about this Privacy Policy at:
CAN Capital, Inc.
1850 Parkway Place
Suite 1150
Marietta, GA 30067
Telephone: 877-500-8282
compliance@cancapital.com
Effective Date: January 1, 2020
Last Revised: June 30, 2023
This Privacy Policy for California Consumers (this “California Privacy Policy”) supplements the information contained in the above General Privacy Policy of CAN Capital, Inc. (“CAN Capital”, “we”, “us”) and applies to any consumers residing in the State of California (“consumers” or “you”) who visit our website located at www.cancapital.com (the “Site”). This California Privacy Policy also applies to personal information we obtain from California consumers, if any, through email communications, our online channels (including other websites, independent sales organizations (“ISOs”), mobile applications, and social media websites that reference this California Privacy Policy, here “CAN Capital Channels”) and to personal information you provide us offline (e.g. at trade shows or sales exhibitions or directly to an ISO), when you submit a business funding application, in connection with an employment relationship with us, or when you contact our customer service or collections departments.
We adopt this California Privacy Policy to comply with the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act of 2020 (collectively, the “CCPA”) and any terms defined in the CCPA have the same meaning when used in this California Privacy Policy. Where applicable, this California Privacy Policy controls in the event of a conflict with the Privacy Policy of CAN Capital or our other policies unless expressly stated otherwise therein. For example, we may provide alternative policies that control with respect to our employees.
While we have provided this California Privacy Policy as part of our effort to fully and transparently comply with our understanding of the specific requirements of the State of California under the CCPA, our actions in doing so do not change the primary purpose of this Site. As stated in the Privacy Policy, this Site and, the other CAN Capital Channels, are intended for business visitors. This Site is not intended for general public consumers.
You acknowledge and agree that in visiting this Site or using another CAN Capital Channel, you are acting either in the capacity of (i) a job applicant to, an employee of, owner of, director of, officer of, or contractor of CAN Capital; or (ii) an employee, owner, director, officer, or contractor of a company, partnership, sole proprietorship, non-profit, or government agency, in which case your communications or transaction with CAN Capital via the Site or other CAN Capital Channel will occur solely within the context of conducting due diligence regarding, or providing or receiving a product or service for or on behalf of such company, partnership, sole proprietorship, non-profit, or government agency, and on whose behalf you also accept and agree to the terms of this California Privacy Policy, the Privacy Policy, and the Terms of Use, as they may be modified by CAN Capital from time-to-time and posted on this Site.
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“Personal Information”). In particular, CAN Capital has collected one or more kinds of data within the following categories of Personal Information within the last twelve (12) months:
| Category | Examples |
| A. Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, Social Security Number/tax ID number, driver’s license number, passport number, or other similar identifiers. |
| B. Personal information categories. | Name, signature, Social Security Number, address, telephone number, passport number, driver’s license or state identification card number, employment, employment history, bank account number, or other financial information. |
| C. Protected classification characteristics under California or federal law. | Age (date of birth) and citizenship via passport country of issuance. |
| D. Commercial information. | Records of personal property and personal credit information |
| E. Internet or other similar network activity. | Browsing history (CAN Capital pages visited), device ID, device type and information regarding a consumer’s interaction with the Site, application, or advertisement. |
| F. Audio data. | Interactions with CAN Capital staff are recorded for quality and monitoring purposes |
| G. Professional or employment-related information. | Current or past job history or performance evaluations. |
| H. Inferences drawn from other personal information. | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. |
Personal Information is used to identify you, process your business’s application, access the personal guarantor’s credit bureau report, verify that the personal guarantor is old enough to enter into a legally binding contract, analyze the use of the CAN Capital website, fraud analysis, marketing, customer service, collections and to determine future product offerings. Personal Information about employees is used for human resources purposes, such as to administer benefits and make personnel decisions.
Personal Information does not include:
CAN Capital obtains the categories of personal information listed above from the following categories of sources:
We may use or disclose the Personal Information we collect for one or more of the following purposes:
CAN Capital will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
CAN Capital may disclose your Personal Information to a third party for a business purpose. When we disclose Personal Information for a business purpose, we enter into a contract that describes the purpose and requires the recipient to both keep that Personal Information confidential and not use it for any purpose except performing the contract.
We disclose your Personal Information to the following categories of third parties:
In the preceding twelve (12) months, CAN Capital has disclosed the following categories of personal information for a business purpose:
We will retain your information for as long as your account is active or as needed to provide you services. In addition, we are required to retain your information as necessary to comply with our legal obligations, resolve disputes, and enforce agreements.
As defined in the CCPA, “sell” and “sale” mean selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a consumer’s personal information by the business to a third party for valuable consideration. In addition, the CCPA defines “sharing” as the disclosure of personal information to a third party for cross-context behavioral advertising, whether or not for monetary or other valuable consideration. This means that for CCPA purposes, we may be considered to have “sold” or “shared” personal information when we have received some kind of benefit in return for sharing that personal information, even when that benefit is not necessarily a monetary benefit.
Please note that the categories listed below are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact sold or shared, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been shared for value in return.
We may sell and may have sold or shared in the last twelve (12) months the following categories of personal information:
This Personal Information may be sold or shared with the following categories of third parties:
We do not knowingly collect personal information from minors under the age of 16, although certain third party websites that we link to may do so. These third-party websites have their own terms of use and privacy policies and we encourage parents and legal guardians to monitor their children’s Internet usage and instruct their children to never provide information on other websites without their permission.
We do not sell or share the personal information of individuals we actually know to be less than 16 years of age, unless we receive affirmative authorization (the “right to opt-in”) from either that individual (if the individual is between 13 and 16 years of age), or the parent or guardian of that individual (if the individual is less than 13 years of age). Consumers who opt-in to the sale or sharing of personal information may opt-out of future sales or sharing at any time. To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by contacting us as described below.
If you have reason to believe that a child under the age of 16 has provided us with personal information, please contact us with sufficient detail to enable us to delete that information.
We will not discriminate against you for exercising any of your CCPA rights. We will not do any of the following merely because you have exercised CCPA rights:
The CCPA provides California residents with specific rights regarding their personal information. If you are a resident of California, you have the following rights:
In order to exercise any of your CCPA rights, you can contact us:
Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable request related to your personal information.
Your request to us must:
We cannot respond to your request or provide you with the required information if we cannot:
We will disclose and deliver the required information free of charge within 45 days of receiving your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonably necessary and with prior notice.
Any disclosures we provide will only cover the 12-month period preceding the verifiable request’s receipt.
You have the right to opt-out of the sale or sharing of your personal information. Once we receive and confirm a verifiable consumer request from you, we will stop selling or sharing your personal information. To exercise your right to opt-out, please:
Further the service providers we partner with (for example, our analytics or advertising partners) may use technology on our Site that sells personal information as defined by the CCPA. If you wish to opt out of the use of your personal information for interest-based advertising purposes, you may do so by following the instructions below. Please note that any opt out is specific to the browser you use. You may need to opt out on every browser that you use, and if you delete your cookies, you will need to opt out again.
You can opt out of receiving certain personalized advertisements by following the instructions presented by these platforms:
Your mobile device also may give you the ability to opt out of the use of information about the apps you use in order to serve you ads that are targeted to your interests. For example, you may select:
You also can stop the collection of location information from your mobile device by changing the preferences on your mobile device.
CAN Capital reserves the right to amend this California Privacy Policy at our discretion and at any time. When we make changes to this California Privacy Policy, we will post the updated California Privacy Policy on the Site and update the California Privacy Policy’s effective date. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of our Site following the posting of changes constitutes your acceptance of such changes.
If you have any questions or comments about this California Privacy Policy, please do not hesitate to contact us at:
CAN Capital, Inc.
1850 Parkway Place
Suite 1150
Marietta, GA 30067
Telephone: 877-500-8282
compliance@cancapital.com