• This Privacy Policy (“Policy”) applies to data collected by Vandenberg Capital, Inc. or a subsidiary thereof (collectively, “Vandenberg Capital,” “Us,” Our” or We”), a provider of business loan products and related services (collectively “Services”). This Policy describes how Vandenberg Capital collects and uses the personal information you provide (directly or through third parties), or which is automatically generated, when you interact with our Website, and our mobile application.

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• This Privacy Policy describes the choices available to you regarding our use of your personal information.  For purposes of this Privacy Policy, “Personal Information” means information that personally identifies you, including your contact information, IP address, and loan application (docusign) information. The information we collect, use, share, and store is sensitive in nature, including your social security number and financial account information.

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       Information We Collect regarding this policy

• Contact information such as name, business name, email address, mailing address, and phone number;

• Financial information such as bank statements, credit card statements, your average bank balance, personal and business credit history, payment behavior, bank account information, and tax ID number;

• Social security number;

• Unique identifiers such as user name and password, and IP address;

• Business information including company size, and business type

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• Once you are an Vandenberg Capital customer, we may reach out to you for, or otherwise obtain, information if you decide to renew your loan or as otherwise needed to provide the Service. We will collect information on the beneficial owners of our business customers for purposes of verifying their identity only.

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       Terms of use - We use the information we collect to:

• Use and analyze your Personal Information in both a personally identifiable form and as part of aggregated data;

• Operate, maintain, improve, and provide to you the Service and to conduct our business, including our own lending and referring you to third party small business lenders;

• Verify your identity and conduct appropriate diligence;

• Process your business’ application and determine whether or not your business qualifies for a loan product

• Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications

        

        Electronic Consent Agreement - Contact after submitting contact information request

• Vandenberg Capital will share your Personal Information with third parties only in the ways that are described in this Privacy Policy and as required by law. We do not sell your Personal Information to third parties. We will provide your Personal Information, which may include application information, to our trusted business partners, third party lenders of Vandenberg Capital products, service providers, and subsidiaries and affiliates to provide financing and/or to provide services to help us with our business activities, such as offering customer service, processing credit checks or secure data storage, and other similar services. These companies are authorized to use your Personal Information only as necessary to provide these types of services to us. In addition, we may share your basic information (name, company name, phone number, email address and requested loan amount) with one of our business partners to market their services to you, however, if you do not want us to share your Personal Information in these circumstances with these business partners, please contact us to opt out.  

• CCPA Policy Compliant (see Info)

• Sale of Personal Information - We do not sell personal information.