Privacy Policy

Encina Business Credit, LLC Website Privacy Policy

Last Updated: July 25, 2019

Encina Business Credit, LLC (“Encina”) takes the privacy and security of personal information very seriously. As such, we have prepared the following Privacy Policy to provide you with information about how your data is collected, used, shared, transferred, and protected as a result of your interaction with encinabc.com (the “Site”). By using the Site, you agree to the following Privacy Policy. If you disagree with any of the provisions described below, your remedy is to stop using the Site immediately.

Information Collection

As discussed in the Terms of Use, although the purpose of the site is for use by businesses, and the Site is not intended for use by individuals in their personal capacity, Encina may collect personal information incidentally during in the course of business. Visitors to the Site can browse without providing personal information. 

When you interact with the Site, including submitting an inquiry though the
“Contact Us” page on the Site, we may ask you to provide your name, company name, e-mail address, and phone number. It is your decision to use the Site, and, as such, any provision of this personal information is completely voluntary. 

In order to access information regarding a commercial line of credit, you may be required to provide your name, company name, e-mail address, phone number, financing objective, annual revenue, and information regarding your desired loan amount. Again, we note that it is your decision to use the Site and to access information regarding a commercial line of credit. 

We also collect certain non-personal information such as your browsing history on the Site, the length of time spent on certain pages, the website Uniform Resource Locator (“URL”) from the website you were visiting before coming to this Site, which URL you next visit, device type, what browser you are using, Internet service provider, date/time of visit information, operating system, and your Internet Protocol (“IP”) address.

Information Use

We will use the personal information to:

  • provide you with the Site;
  • provide you with an offer for commercial line of credit;
  • respond to your requests;
  • communicate with you; and 
  • provide you with offers and promotions that we feel may be of interest. 

We will use the non-personal information we collect to:

  • conduct statistical analysis of the Site;
  • troubleshoot service issues or interruptions;
  • update and improve the Site; 
  • understand the demographics of our users and their browsing habits; and 
  • serve you with promotional messages and advertisements, both while you are on the Site and after you leave our Site and continue to browse online. 

Cookies

Cookies are small files that are sent to and stored in your computer by the websites you visit. Cookies are stored in your browser’s file directory. Cookies may be stored only for the time you are in a given site or they may remain stored in your browser for a defined period of time beyond your current session. Cookies work in combination with content within the website itself, to capture and remember information. To learn more about these technologies and how they work, please see www.allaboutcookies.org.

We use cookies and other similar technologies (such as web beacons and pixels) to collect and process non-personal information.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You can review the options available to manage cookies in your browser. One option is to disable, or turn-off, all cookies. If you turn cookies off, you may not be able to browse the Sites. If you disable certain kinds of cookies, some aspects of our Sites may not function properly or as well.

Information Sharing

We may share personal information to the following entities and/or for the following reasons:

  • Affiliates/Partners. We do not share your personal information with unrelated third parties. We may share your personal information with affiliates or with partners for the purpose of providing you with offers for commercial lines of credit. In the event that we enter into such a partnership, we may share your personal information with those partners. If we share personal information, we will require that such partners use the personal information for the limited purpose for which we provide it, maintain reasonable security measures for the protection of such information, and comply with the provisions as outlined in this Privacy Policy. 
  • Law Enforcement. Occasionally we may be required by law enforcement or judicial authorities to provide personal information. We will disclose personal information upon receipt of a court order, subpoena, warrant, or other legal process to the extent necessary to meet legal, national security, public interest, or law enforcement obligations. We fully cooperate with law enforcement agencies in identifying those who use our Site for illegal activities. We reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful.
  • Merger. In the event that Encina enters into an agreement to be purchased by another company or to merge with another company, we may share personal information with that company. We will require that such purchasers continue to comply with the provisions as outlined in this Privacy Policy.

We utilize Google Analytics to capture and analyze visits and traffic to the Site. Google Analytics collects information about your visit to the Site, any referral website, the type of web browser and operating system you are currently using, and your network location and IP address. The information collected by Google Analytics is anonymous and aggregated. We reserve the right to use this information for any lawful business purpose, including selling or sharing the aggregated and anonymized data collected by Google Analytics. We may also use this aggregated and anonymized data to analyze trends or seek third party advertisers.  

We may also share non-personal information with select third parties, such as our advertisers, for purposes of serving you with customized promotions. If you would like to learn more about the sharing of non-personal information for purposes of providing customized advertisements or promotions, please visit http://www.aboutads.info/consumers/.

Your Choices

You may have choices when it comes to the collection, use, and sharing of your personal information. You may choose to “unsubscribe” from e-mail marketing communications, or you can contact us using the contact information below to be removed from our e-mail marketing lists. 

Links to Third Party Sites

Encina is not responsible for the collection, use, or sharing of your personal information once you leave our Site and follow a link to a third-party website. Please consult each linked website’s privacy policy for a description of how the website collects, uses, and shares your information.

Children’s Information

The Site is not intended for children under the age of 13 years old. We do not knowingly collect information from children under the age of 13. If we discover that we have information from a child under the age of 13, we will delete it immediately. If you believe that a child under the age of 13 may have provided his or her information to us, please contact us using the contact information below.]

Cross-Border Transfer of Data

We are located in the United States. If you are not a resident of the United States, your country’s laws governing data collection and use may differ from those in the United States; in particular, the United States may not provide the same level of protections as those in your own country. By using the Site or providing your personal information to Encina, you are transferring your information to the United States, and you consent to the transfer, retention, and processing of such data in the United States. If you do not agree with such transfer, retention and processing in the United States, please do not use the Site.

Security

We understand the importance of information security and will take reasonable measures to protect the security and confidentiality of your information. Please understand that no measures can guarantee 100% security.

You are responsible for the security of your log-on information. Please do not share you log-on password with anyone. If you believe your log-on password has been compromised, please contact us immediately.

Changes to this Privacy Policy

We reserve the right to make changes to this Privacy Policy. We will post changes directly to this Privacy Policy, so it is your responsibility to check back here from time to time to review this Privacy Policy. If we make a material change in the type of information we collect or its use, we will provide advance notice of such change, and obtain your consent for the new collection or use, as required by law.

Contact Information

If you have any questions or concerns about this Privacy Policy, please contact us using the information below:

Olivia Coolbrith
ocoolbrith@encinabc.com

Encina Business Credit, LLC
123 N. Wacker Drive
Suite 2400
Chicago, IL 60606