Personal Information We Collect: CGBF and its agents and representatives collect personal information about you from various sources (including, without limitation, from credit reporting agencies, creditors, and businesses and financial institutions with which you have had a financial relationship). Personal information we collect includes, without limitation:
your name, address, e-mail address, Internet Protocol address, telephone number, date of birth, and other contact information;
your business name, address, tax id number, business inception date, business bank statements (and data about your banking transactions), telephone number and address; financial information, such as your bank name and your bank account number, personal and business credit bureau reports, payment behavior, and other reports concerning your credit history and experience;
other financial or personal information about you, such as your percent ownership in the business, your liabilities, and your financial condition;
your social security number;
your identity through an acceptable form of government issued identification;
we may collect data through a third party site inspection vendor, or social media sites or services.
information about any previous loan applications you may have previously applied for (directly or on your behalf), and any previous CGBF loan payment history;
such other information we may collect with your consent or as permitted or required by applicable law; and
personal information about you given to us by others and personal information about others provided by you.
Use of Personal Information - We generally use personal information for the following purposes:
to verify your identity in connection with our user registration process;
to manage and administer your account with CGBF;
to facilitate the transactional process between financial institutions
to compile and analyze information to better understand our customers
to determine your CGBF Risk-Logic Score and risk grade, loan guaranty fee interest rate, term and maximum loan amount;
to set up auto payment deductions as may be required by our loan agreements
to produce data analytics and reports containing summaries of data and general information that we may share with business partners.
to prevent fraud, identity theft or illegal activities;
to maintain our business records for reasonable periods and to generally manage and administer our business;
to resolve disputes and to enforce our loan agreements;
to compare information for accuracy and verify it with third parties; and
to meet legal, regulatory, insurance, audit, processing and security requirements imposed on us, which may include establishing and verifying your identity and checking your identity against money laundering, terrorist financing or similar watch lists established by regulatory agencies or similar bodies in the United States and/or Canada.
We may also use your personal information in other manners with your consent or as permitted or required by applicable law.
In certain situations, CGBF may be required to disclose personal data in response to lawful requests by public authorities. We reserve the right to disclose your personal information as required by law, such as to comply with a judicial proceeding, court order, or legal process served on our Web site when we believe that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
Legal, Regulatory, Etc.: We may disclose your personal information as necessary to meet applicable legal, regulatory, industry self-regulatory, insurance, audit and security requirements and obligations, including as required by our outside agents, representatives and service providers.
or as permitted or required by applicable law.
The Internet and Our Website: We operate and control our website at HYPERLINK CGBF.
Tracking Technologies: We and our partners, affiliates, or analytics or service providers, use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer the website, tracking users’ movements around the website, 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 and aggregated basis. We may use “cookie” files to enhance the use of our website and the loan marketplace for our registered users and other users. A “cookie” is a small text file placed on a computer’s hard drive by our web page server in order to recognize that a user has previously visited our website and to apply the configuration preferences that the user has chosen. Other than the information provided by a user, cookie files do not contain information that can be used to identify an individual user. You can disable cookies using your Internet browser’s settings and you should consult your browser’s help function for information on how to disable cookies. Please note that if you disable cookies, certain features of our website may not function properly. We do not require anyone to accept cookies in order to use our website or the loan marketplace.
Third parties with whom we partner to provide certain features on our website or to display advertising based upon your web browsing activity use HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5.
We partner with a third party to either display advertising on our website or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this website and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by sending us an email. Please note this does not opt you out of being served ads. You will continue to receive generic ads.
As is true of most websites, we gather certain information automatically and store it in log files. This information may include Internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.
We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you, analytics, and site functionality.
E-mail Policy: Once you complete our user registration and your CGBF account is created, we will use your e-mail address as one method to contact you regarding your CGBF account. We may also contact you at any telephone number, or physical or electronic address to collect and may include SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system.
No Third-Party Marketers: We do not sell, rent or trade your personal information to third parties or marketing firms for their promotional purposes. We do send communications periodically to inform you of the status of transactions or events related to your CGBF account and your use of our website. Some of these communications are required in connection with transactions you are considering or have concluded through the CGBF website. Receiving emails from our website is part of our service. If you no longer wish to receive these emails, you may opt out of them by unsubscribing or by contacting Customer Service.
Your Consent: Your consent to the collection, use and disclosure of personal information may be given in various ways. Your consent can be express (e.g., orally, electronically or on a form you may sign describing the intended uses and disclosures of personal information) or implied (e.g., when you provide information necessary for a service or transaction you have requested). In certain circumstances, you may provide your consent where notice has been provided to you regarding our intended use of your personal information and you have not withdrawn your consent for the intended use (e.g., when you do not elect an “opt-out” option). Your consent may also be given by your authorized representative, such as your legal guardian or a person having a power of attorney.
We collect, use and disclose your personal information with your consent, except as permitted or required by applicable law. We may be required or permitted under certain statutes or regulations to collect, use or disclose personal information without your consent, including, without limitation, to comply with a court order, local or federal regulations or a legally permitted inquiry by a government or law enforcement agency, or to collect a debt owed to us, our agents, representatives and service providers, or another registered user.
Security: We take reasonable steps to protect your personal information using physical, electronic or procedural security measures appropriate to the sensitivity of the information in our custody or control, which may include secure web pages, encryption, password intrusion detection systems and firewalls as described below. If you have any questions about the security of your personal information, you can contact us at https://www.coralgatebusinessfunding.com
Secure Web Pages: All of the pages on our website that ask for your personal information are transferred to your browser through HTTPS, a secure server communications protocol. You can verify this encryption by checking for the key (Netscape) or lock (Internet Explorer) icon on your browser. If your browser’s security feature has been turned on, a pop up box will notify you when you enter a secure page.
Encryption: When you send your personal information to us, it is protected by SSL (Secure Sockets Layer) Technology. SSL does not allow anyone to read your personal information. When you transmit your information to us, SSL encrypts it (translates the data into a string of gibberish characters) and only we can decode the encryption.
Firewall Protection: Your financial information is encrypted and backed up every day. In the unlikely event that our website is “hacked” your data will remain secure.
Data Retention: We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements
Note Regarding Children Under 18: Users of our website and loan marketplace must be U.S. residents that are 18 years of age or older. Additional requirements apply to registered users.
Identity Theft: If you think your identity has been stolen, contact all three credit-reporting agencies listed below to put a fraud alert on your credit report:
Mail: TransUnion P.O. Box 6790 Fullerton, CA 92834
Mail: Equifax Credit Information Services, Inc P.O. Box 740241 Atlanta, GA 30374
After you contact all three credit-reporting agencies, you should check your credit report again in 30 to 60 days for any new signs of identity theft or records that still need to be removed. You should also file a police report with your local enforcement agency. A police report is helpful when dealing with creditors as you challenge inquiries to your credit report or accounts opened fraudulently in your name. You should also keep records of all actions you have taken and letters you have written regarding your identity theft.
For Your Unique Financial Needs!