This Privacy Policy describes how Prosperumfund collects and uses the personal information you provide on our website Prosperumfund.com(“Website”) in order to provide our merchant cash advances and business loan products and service (collectively, the “Service”). It also describes the choices available to you regarding our use of your personal information and how you can access and update such information.
For purposes of this Privacy Policy, “Personal Information” means information that personally identifies you, including your contact information, IP address, merchant cash advance application information, and business loan application information. A large portion of the Personal Information we collect, use, share, and store is sensitive in nature, including your social security number and financial account information (“Sensitive Personal Information”).
Information We Collect
We collect the following information from you:
- Contact information such as 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; and
- Business information including company name, company size, and business type.
We may also conduct a site visit to collect information.
We supplement the data you provide with your credit score obtained from the three credit bureaus. Once you are a Prosperumfund customer, we may reach out to you for information again if you decide to renew your cash advance or loan.
Use of Information
We use the information we collect to:
- Compile, save, use and analyze your Personal Information in both a personally-identifiable form and an aggregated, non-personally identifiable form;
- Operate, maintain, improve, and provide to you the Service and to conduct our business;
- Verify your identity;
- Register you as a user and identify you when you sign in to your account;
- Determine whether or not you qualify for one of our cash advances or loan products;
- Process your account, including deducting automatic payments;
- Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications; and
- Post and review your comments on our blog.
User Access and Choice
If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, delete/remove, ask to have it removed from a public forum or testimonial on our Website or deactivate it by emailing our Customer Support at Info@prosperumfund.com or by contacting us by postal mail at the contact information listed below.
We will respond to your request within 30 days.
We will retain your information for as long as your account is active or as long as reasonably useful for commercial purposes.
We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Opt-Out Policy
Prosperumfund and our business partners may contact you to offer you products and services that may be of interest to you.
Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone calls/texts or other forms of contact by sending an email to Info@prosperumfund.com with your full name, address, phone number, account number, and a clear statement that you no longer want to receive promotional emails and telephone calls/texts.
You may also follow the unsubscribe instructions included in these emails.
Tracking Technologies
Technologies such as cookies, beacons, tags and scripts are used by Prosperumfund and our partners (for example, our marketing partners), affiliates, or analytics or service providers.
These technologies are used for:
- Analyzing trends,
- Administering the Website,
- Tracking users’ movements around the Website, and
- Gathering 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.
Cookies:
A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies for user authentication and analytics. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Website, but your ability to use some features or areas of our Website may be limited.
If you would like to learn more about cookies or how to configure your browser, please visit www.allaboutcookies.org.
Log Files
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 to improve services, marketing, analytics, and Website functionality.
Behavioral Advertising / Re-Targeting
We partner with third parties to display advertising on our Website and manage our advertising on other sites. Our third-party partners 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 notifying us.
Please note this does not opt you out of being served advertisements. You will continue to receive generic advertisements.
Security of Information & Additional Security Measures
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. While we use encryption to protect sensitive information transmitted online, we also protect your information offline.
Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
Prosperumfund takes the security of your information very seriously. Your information is securely sent to Prosperumfund with 128 bit-encryption over the Transport Layer Security (TLS) protocol. This creates an encrypted connection between your browser and our servers.
When you enter Sensitive Personal Information (such as a credit card number) on our order forms, we encrypt the transmission of that information. If you allow Prosperumfund to see your banking information online rather than in paper form, it is on a read-only basis.
We do not have access to change, edit, or modify bank account information in any way.
Greenbox employees cannot view your banking username and passwords.
Links to 3rd Party Sites
Our Website includes links to other websites whose privacy practices may differ from those of Greenbox. If you submit personal information to any of those sites, your information is governed by their privacy policies.
We encourage you to carefully read the privacy policy of any website you visit.
Changes To This Policy
We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes, we may notify you by email or by means of a notice on this Website prior to the change becoming effective.
We encourage you to periodically review this page for the latest information on our privacy practices.
Contact Information
If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, please contact us by email at Info@prosperumfund.com or by postal mail to:
Prosperumfund
8 West 36th St, 7th Fl
New York, NY 10018
If you are contacting us to opt-out of marketing communications, you must include your full name, business mailing email address, and account number.
Once we locate your contact information based on the information you provide us, it will be removed from our databases and mailing lists.