Privacy Policy

This Privacy Policy applies to this website (the "Site"), which is owned and operated by First National Financial Corporation d/b/a GetCapitalToday ("GetCapitalToday", "we" or "our").

At GetCapitalToday, we recognize and respect your privacy. This Privacy Policy explains how we collect, use and disclose personally identifiable information ("Personal Information") collected through our Site. This Privacy Policy applies only to information collected through our Site. It does not address our collection of Personal Information from other sources, such as sales representatives, including any independent sales or marketing representative who may submit it to you or your company ("ISO"). Please note that this is a business-to-business website, not a consumer website and that we also collect information about businesses. Again, this Privacy Policy applies to personal information about individuals and not information about companies.

The Privacy Policy is subject to and incorporated by reference into our Terms of Use, including its limitation of liability.

Types of personal information we collect through this site

You may browse our Site without applying. When you apply with us on the site, we may collect your name, email address, and contact information with or without you submitting the application form. In addition, to submit a question, comment, or request a free quote, you may be asked to submit your name and email address, and we may also ask you for other optional information, such as your company name and phone number.

We also collect information from you if you log in to our Site through an account created with a third-party website (for example, Facebook or LinkedIn). The choice to access our Site through these third-party websites may occur and will be entirely at your choice. The information we may migrate to our Site from these third-party websites will depend on the privacy settings you have in place with the third-party site from which you log in. If you choose to log in to the Site through a third-party website, you hereby consent to our access to and collection of such Personal Information about you. We also collect the following types of Personal Information through the Site:

Business owner contact information (such as name, address, email address, and phone number) and individual work information (such as job title)
Personal and financial information necessary to assess your eligibility to access working capital or invest through GetCapitalToday or one of its partners or ISOs
Optional personal information that you may want to share on the back of your funding request
Information about your visits to and use of this Site or third-party service websites to help us maintain appropriate features, functionality and user experience
Information to verify a person's identity (including social security number, username and password, and other data elements such as driver's license number and age or date of birth)
Financial or individual credit bureau information (such as a business owner's credit score, credit history, and bank account information)
Personal information contained in government filings or legal agreements (such as corporate training agreements, business licenses, leases or loan agreements, and business tax returns)
Information uploaded by users on our Site, such as their driver's license, images of their business and bank statements
Any other personal information you submit or upload through our Site or to one of our email addresses
Your geographic location or that of your company, through various GPS or other geolocation tools that use the IP address of your device or your ISOs to detect a user's location

We may also append to Personal Information collected through our Site new data or data or other data from an ISO that we receive from other sources, such as public records, demographic information, and other background information provided by information services or third parties.

In addition, we automatically collect through our Site information that is often not personally identifiable, such as the website from which you came to our Site and your IP address, browser type, and other information related to the device through which you access the Site. We may combine this information with the Personal Information we have collected from you.

We partner with third parties to display advertising on our website or to manage our advertising on other sites. Our third-party partners may use technologies such as cookies to collect information about your activities on this site and other sites to provide you with advertising based on your browsing activities and interests. If you do not want this information to be used to serve your interest-based ads, you may opt-out of http://preferences-mgr.truste.com/. Please note that this does not exclude you from receiving advertisements. You will continue to receive generic ads.

Information we collect from and about you

Certain information collected from you is required and others are optional; some will remain private and others will be shared with partners, affiliates, or third parties. Additional information may be collected during your subsequent use of the Site provided that you choose to provide it.

Certain personal information must be provided to determine eligibility for financial products and to verify and protect against potential fraud.

We will use this information to request a credit report from a credit bureau to process your application, as well as to help evaluate your financing application in the context of your overall financial situation. We will also use your required and optional information to facilitate the activities and transactions that must occur during the financing process.

Additional Uses of Personal Information

We use the Personal Information you provide to us and allow us access as described herein for the following purposes:

Respond to requests or inquiries, and for similar purposes related to customer service
Evaluate the eligibility of your company or customers for products provided by or through GetCapitalToday or its affiliates
Effect or enforce a transaction or agreement
Adjust the offers or services, provided by or through GetCapitalToday or its affiliates, to your business and to tailor the information we send or display to you
Provide you with information about our company or products, provided by or through GetCapitalToday or its affiliates, that we believe you may find of interest, including promotional and marketing emails
Authenticate visitors to our Site
Improve our Site, offers or services provided by or through GetCapitalToday or its affiliates
Better understand how users access and use our Site, and the offers provided by or through GetCapitalToday or its affiliates, in aggregate and individualized form

Types of Disclosures of Personal Information

We will share your personal information with partners, affiliates, or third parties only in the ways described in this privacy policy. From time to time we provide others with your information, for various products and services, including working capital, as described below. We may disclose personal information to partners, affiliates, or third parties for the following purposes:

To provide you with information related to products or services that we believe you may find of interest; to provide you with access to working capital, from partners, affiliates, or third parties, if we are unable to provide you with access
In response to a subpoena or other legal process by a government entity or third party, or if required by law
To protect or enforce our rights or property
In the event of the sale or dissolution (bankruptcy) of all of our assets, in which case, you will be notified, there after by a prominent notice on our website of any change in ownership or uses of your personal information, as well as any options you may have regarding your personal information
To third parties involved in the process of providing services to us or you or performing functions on our behalf, such as contractors, customer service providers (e.g., consultants or information technology or human resources service providers), credit bureaus, and collection agencies. These companies are authorized to use your personal information only as necessary to provide these services to us.
To our affiliates and subsidiaries for marketing purposes, or for the delivery of products or services
To the ISO which referred you to us, for example, concerning reporting on your progress in the application process or concerning the calculation or reporting on the commission due to the reference source or otherwise
To our lenders, investors, partners, or auditors in the course of their review or audit of us
To provide the requested products or services
To our suppliers, who may use the information to further improve their services for us

Notwithstanding anything else in the Privacy Policy, we may share aggregated or personally identifiable information about users with third parties for marketing, advertising, research or other business purposes.

GetCapitalToday may, from time to time and in its sole discretion, choose to contract with one or more lenders or partners to service and subscribe to your request.

User Access

If your personal information changes, or if you no longer wish to update or be contacted for new products, you may correct, update, modify, delete/delete or deactivate your contact information by sending an email to our Customer Service at info@getcapitaltoday.com or by contacting us by phone or postal mail at the contact information listed below. We will update your file within 30 days.

Data Retention

We will retain your information for as long as your account is active or as necessary to provide you with services. In addition, we are required to retain, retain your information as necessary to comply with our legal obligations, resolve disputes and enforce agreements.

Cookies and Analytics

When you interact with our Site, we strive to make your experience easy and meaningful. We or our third-party service providers use cookies, web beacons (web bugs) and similar technologies to track user activity and collect data from the Site. We may combine this data with the personal information we have collected from you.

Cookies

We (or our third-party service providers) use cookies to track visitor activity on the Site. A cookie is a text file that a website transfers to your computer's hard drive for record-keeping purposes. Our cookies assign a random and unique number to your computer. They do not contain information that personally identifies you, although we may associate a cookie with any identifying information provided to us or provided to us while visiting our Site. We or our third-party service providers use cookies that remain on your computer for a specific period of time or until they are deleted (persistent cookies). These cookies record clickstream information (data that informs the URLs, or names of the pages, on our Site that have been visited). We may also use cookies that exist only temporarily during an online session (session cookies). These cookies allow us to temporarily identify you as you move through the Site. Most browsers allow users to refuse cookies, but doing so may impede the functionality of some parts of our Site. We also use cookies on the restricted portions of limited customer and sales representative access of our Site.

Web Beacons

Web beacons are small graphics with a unique identifier, similar in function to cookies, which are used to track the online movements of web users. Unlike cookies, which are stored on your computer's hard drive, web beacons are embedded invisibly on web pages and cannot be disabled or controlled through your browser.

Third-Party User Tracking

As noted, we may also engage third parties, including, but not done so, Google Analytics and WebTrends, to track and analyze Site activity on our behalf. To do this, these third parties may place cookies or web beacons to track user activity on our Site. We use the data collected by such third parties to help us administer and improve the quality of the Site, analyze site usage, and provide a more enhanced user experience on the Site, such as personalizing and delivering relevant offers and content based on user activity on the Site. The use of cookies by our third-party partners is not covered by our privacy policy. We have no access to or control over these cookies. We and some of our third-party providers and partners use technologies such as cookies, beacons, tags, and scripts to analyze trends, administer our site, track users' movements around the site, and gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies, both individually and aggregated. If you don't want to be tracked, disable JavaScript in your browser. Note, however, that without JavaScript enabled, our financing apps may not work as designed. You can call GetCapitalToday at 855-404-2274 to request our financial products.

Social Media Widgets

Our website 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 running on our site. These Features may collect your IP address, which page you are visiting on our site and may set a cookie to allow the Feature to function properly. Social media features and widgets are 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 them.

User Content

We may, from time to time, allow users or third parties to post information on our Site, such as comments or blogs, or to provide you with information about small business topics. Any information you post on our Site becomes public information and may be visible to other users as well as visitors to our Site (this is not true for documents uploaded as part of the funding process). In addition, your name, as well as other optional information that 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 you choose to post on our Site, nor for the accuracy of any information contained in those postings. We cannot prevent such information from being used by others in a way that may violate this Privacy Policy, the law or your personal privacy. To request the removal of your personal information from our blog or community forum, please contact us at webmaster@getcapitaltoday.com. In some cases, we may not be able to delete 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 on any of the Sites is subject to our Terms of Use.

Third-Party Links

Sometimes 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 is instead governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites.

Marketing Communications

We may send you emails 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 offers, or other items. If at any time you wish to stop receiving these promotional emails, you may follow the opt-out instructions contained in such email. Please note that it may take up to 15 business days for us to process opt-out requests. If you choose not to receive emails or promotions from us, we may still send you emails about your account, your request, or any products or services you have requested or received from us, or for other customer service purposes.

International Users

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 subsequent transfer of such information to other entities, regardless of your location under this Privacy Policy and our Terms of Use. You are also consenting to the application of United States law in all matters relating to the Site.

Safety

GetCapitalToday takes reasonable steps to safeguard your personal and confidential 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. Physical data security is achieved through a combination of network firewalls and servers with operating systems, all hosted in a secure facility. Access to the system is controlled.

In addition, we also equip our servers with Secure Socket Layer (SSL) certificate technology to ensure that when you connect they are actually on our Site. SSL also ensures that all data entered on the website is encrypted. To verify that SSL is being used, look for the key or padlock icon in your browser. For greater encryption protection, we use a secure 128-bit browser for logins and transactions. Portions of our site also make use of "CAPTCHA" technology, which is evidence we use to ensure that certain confidential 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 the text that is displayed in the image. Finally, we subject our systems to periodic security audits to ensure that your information is fully protected and secure.

However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee their absolute security. If you have any questions about security on our website, you can contact us at webmaster@getcapitaltoday.com.

Secure Off-Site Hosting

We store all sensitive personal and financial data in a secure environment with access control.

Session Timeouts

We also use session timeouts to protect your account. You will be removed from the Site automatically after a specified period of inactivity. This downtime feature reduces the risk that other people will be able to access your account if you leave the computer unattended.

Account Number Protection

When we contact you about your account or to confirm a funds transfer, we only refer to the last four digits of your social security number; this is done for your protection.

Passwords

Your password is not known to any employee or third party with whom we may associate, 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 that you intend to come from us asking for your password, you should immediately inform us of this development in webmaster@getcapitaltoday.com.

What You Can Do

In addition to our own substantial efforts, you can take various precautions to protect the security of your computer and personal information. For example, you can start by using a complex or chosen password. You should avoid using any information that others can easily learn about you, such as the name or birthday of a family member; you can also use special characters instead of letters. We also recommend that you change your password frequently. You can also regularly install and update your anti-virus 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 to log out and close the browser window.

If you use a computer that is accessed by others, such as a public library or an Internet café, we recommend that you take special precautions to protect the security of your account and personal data. When you have finished using our Site, you must log out completely, then close the browser window and clear the browser 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 taken to a website by a genuine-looking email pretending to be from a legitimate company. Fake or "fake" email takes the person to a website that looks legitimate, but in reality, isn't. Whether 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. GetCapitalToday will never ask for your login information in the context of any email. In general, you can protect yourself against phishing by never providing personal or login information via email, instead, go to the website directly. You can also make it a habit to check the URL of a website to make sure it starts with the right domain. You should always make sure that the URL starts with http://www.getcapitaltoday.com or https://www.getcapitaltoday.com.

Changes to this Policy

We may update this privacy policy to reflect changes in our information practices with or without notice at any time. We encourage you to periodically review this page for the latest information about our privacy practices.

Contact Us

You can contact us if you have any questions or concerns about this Privacy Policy at:
Get Capital Today
2207 Concord Pike, Suite 551
Wilmington, DE 19803
Telephone: 800-821-6460
Fax: (800) 821-6460 webmaster@getcapitaltoday.com.