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:
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 firstname.lastname@example.org 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.
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.
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 email@example.com.
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.
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 firstname.lastname@example.org.
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 email@example.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.
CAN Capital, Inc.
1850 Parkway Place
Marietta, GA 30067
Effective Date: January 1, 2020
Last Revised: December 31, 2022
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:
|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 share your Personal Information with 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:
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. This means that for CCPA purposes, we may be considered to have “sold” personal information when 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, 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 in the last twelve (12) months the following categories of personal information:
This Personal Information may be sold to the following categories of third parties:
We do not sell 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 of personal information may opt-out of future sales 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 of your personal information. Once we receive and confirm a verifiable consumer request from you, we will stop selling 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, Inc.
1850 Parkway Place
Marietta, GA 30067