BCA CAPITAL PARTNERS LLC
PRIVACY POLICY
Last modified: August 1, 2023
Introduction:
BCA Capital Partners LLC (“Company” or “We”) respect your privacy and are
committed to protecting it through our compliance with this policy.
This policy describes the types of information we may collect from you or that you may
provide when you visit www.bcacapitalpartners.com and www.bca247.com (each, a “Website,” and collectively, our “Websites”) and our practices for collecting, using, maintaining, protecting, and disclosing that information. A reference in this policy to “our Online Services” or “the Online Services” is a reference to either or both of the Websites, as applicable. A reference in this policy to “our Website” or “the Website” is a reference to either or both of the Websites, as applicable.
This policy applies to the information we collect:
- On our Website.
- In email, text, and other electronic messages between you and our Online Services.
- Through mobile and desktop applications, you download from our Online Services, which provide dedicated non-browser-based interaction between you and our Online Services.
- When you interact with our advertising and applications on third-party websites and
services if those applications or advertising include links to this policy.This Policy does not apply to information collected by: - Us offline or through any other means, including on any other website operated by
Company or any third party; or - Any third party, including through any application or content (including advertising) that may link to or be accessible from or on our Online Services.Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Online Services. By accessing or using the Online Services, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of the Online Services after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for update.
Children Under the Age of 18
Our Online Services are not intended for children under 18 years of age. No one under
age 18 may provide any information to or on our Online Services. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on the Website or on or through any of its features. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at:
100 Oceanside Drive
Nashville, TN 37204
friends@bca247.com
Information We Collect About You and How We Collect It
We collect several types of information from and about users of our Websites, including
the following:
- Name, postal address, e-mail address, telephone number, social security number, or any other identifier by which you may be contacted online or offline (“personal
information”); - Bank account details, credit card information, and other necessary financial details for
transaction processing (“financial information”); - Government-issued identification documents, such as driver’s license or passport, for
verification purposes (“identification information”); - Company name, job title, and professional qualifications if provided (“employment
information”); - Any additional information voluntarily provided by you during the use of our services
(“other information”); - Information about you but individually does not identify you; and/or
- Your internet connection, the equipment you use to access our Online Services, and
usage details.We collect this information: - Directly from you when you provide it to us.
- Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, and other tracking technologies.
- From third parties (for example, our business partners).
Information You Provide to Us
The information we collect on or through our Online Services may include:
- Information that you provide by filling in forms or applications on our Online Services. This includes information provided at the time of registering to use our Website. We may also ask you for information when you report a problem with our Online Services.
- Records and copies of your correspondence if you contact us or engage with other
Website users on our Online Services. - Your responses to surveys that we might ask you to complete for research purposes.
- Details of transactions you carry out through our Online Services and of the payment of any fees, dues, or other compensation payable to Us. You may be required to provide financial information before making such payments through our Online Services.
- Your search queries on our Online Services.
Information We Collect Through Automatic Data Collection Technologies
As you navigate through and interact with our Online Services, we may use automatic
data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
- Details of your visits to our Online Services, including traffic data, location data, logs,
and other communication data and the resources that you access and use on our Online Services. - Information about your computer and internet connection, including your IP address,
operating system, and browser type.The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Online Services and to deliver a better and more personalized service, including by enabling us to: - Estimate our audience size and usage patterns.
- Store information about your preferences, allowing us to customize our Online Services
according to your individual interests and optimize your user experience. - Speed up your searches.
- Recognize you when you return to our Website.The technologies we use for this automatic data collection may include the following:
- Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser or by selecting “no” at the bottom of your browser window each time you visit the Website. However, if you select this setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Online Services. You can find more about cookies and how to manage them by visiting www.aboutcookies.org or www.allaboutcookies.org.
- Google Tag Manager. Our Website uses Google Tag Manager. This service allows
website tags to be managed through an interface. Google Tag Manager implements tags only and does not set cookies or collect any personal information. Google Tag Manager could trigger other tags that may collect personal information. However, Google Tag Manager does not access this information. Any cookies or tracking that are disabled at the domain or cookie level will remain disabled when implemented with Google Tag Manager. - Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.
How We Use Your Information
We use information that we collect about you or that you provide to us, including any
personal information:
- To present our Online Services and their contents to you.
- To provide services and process transactions.
- To verify identity and authenticate accounts.
- To communicate with you and/or a “guarantor” regarding the services, updates, and
support. - To improve services, develop new features, and conduct research and analysis.
- To comply with legal and regulatory requirements.
- To prevent fraudulent activities and ensure the security of the systems.
- To provide you with information, products, or services that you request from us.
- To fulfill any other purpose for which you provide it.
- To provide you with notices about your account, including expiration and renewal
notices. - To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
- To notify you about changes to our Online Services or any products or services we offer or provide through it.
- To allow you to participate in interactive features on our Online Services.
- In any other way, we may describe when you provide the information.
- For any other purpose with your consent.
We may also use your information to contact you about our own and third-parties’ goods
and services that may be of interest to you. If you do not want us to use your information in this way, please check the relevant box located on the form on which we collect your data (the enrollment form). For more information, see Choices About How We Use and Disclose Your Information.
Non-personal information may be used for statistical analysis, marketing purposes, and
enhancing the user experience on the platform.
Disclosure of Your Information
We may disclose aggregated information about our users and information that does not
identify any individual without restriction.
We may disclose personal information, financial information, identification information,
employment information, and/or other information (collectively, “user information”) that we collect or you provide as described in this privacy policy:
- To our subsidiaries and affiliates.
- To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep user information confidential and use it only for the purposes for which we disclose it to them.
- To a buyer or other successor in the event of a merger, divestiture, restructuring,
reorganization, dissolution, or other sale or transfer of some or all of Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which user information is among the assets transferred. - To third parties who may partner with or provide services or other benefits to Company from time to time if you have not opted out of these disclosures. We contractually require these third parties to keep user information confidential and use it only for the purposes for which we disclose it to them. For more information, see Choices About How We Use and Disclose Your Information.
- To fulfill the purpose for which you provide it.
- For any other purpose disclosed by us when you provide the information, including but not limited to the purpose of facilitating your access to business capital by assigning and delivering user information (including your authorization and consent to obtain information from credit bureaus and other sources for purposes of prequalification) to affiliated parties and/or our small business funding network to determine whether You prequalify for such third-party financing services.
- With your consent.
We may also disclose user information:
- To comply with any court order, law, or legal process, including to respond to any
government or regulatory request. - To enforce or apply our membership rules, policies, and other agreements, including for billing and collection purposes.
- If we believe disclosure is necessary or appropriate to protect the rights, property, or
safety of the Company, our customers, our members, or others. This includes exchanging
information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:
- Tracking Technologies and Advertising. You can set your browser to refuse all or
some browser/session cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly. - Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for
promotional purposes, you can opt-out by sending us an email stating your request to
friends@bca247.com. - Promotional Offers from the Company. If you do not wish to have your contact
information used by the Company to promote our own or third parties products or
services, you can opt-out by sending us an email stating your request to
friends@bca247.com. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. This opt-out does not apply to information provided to the Company as a result of a financial application or other transaction. - Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, you can opt out by sending us an email stating your request to friends@bca247.com. For this opt-out to function, you must have your browser set to accept all browser cookies.We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.
Residents of certain states may have additional personal information rights and choices. Please see Your State Privacy Rights for more information.
Accessing and Correcting Your Information
You may send us an email at friends@bca247.com to request access to, correct, or delete
any personal information that you have provided to us. We cannot delete your personal
information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
Residents of certain states may have additional personal information rights and choices.
Please see Your State Privacy Rights for more information.
Your State Privacy Rights
Your local privacy laws may grant you additional rights with respect to your personal
information. These rights differ based on the local laws that apply to you but could include one or more of the following:
- Right to Confirmation of Data Processing. You have a right to request us to confirm
whether we process your personal data. - Right of Access: You have a right to request access to the personal data we may hold on you for the past twelve (12) months. You may submit up to two (2) requests per year of access to your personal data.
- Right to Data Portability. When exercising your right to access personal data, you have the right to obtain the personal data in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the data to another entity without hindrance.
- Right to Deletion: You also have the right to ask us to delete personal data we may hold on you or restrict how it is used. There may be exceptions to the right to deletion for specific legal reasons, which, if applicable, we will set out for you in response to your request.
- Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights. Colorado, Connecticut, Nevada, and Virginia residents and, beginning on December 31, 2023, Utah residents may also have the right to opt out of the sale of their personal information by clicking this “Do Not Sell or Share My Personal Information” link or emailing us at friends@bca247.com.
To make a request regarding your personal data, please send an email to friends@bca247.com. To help us respond as you expect, please specify (a) the state in which you reside and (b) that you are making a request pursuant to a right granted to you by such state. We may need to request specific information from you to help us confirm your identity.
Data Security
We have implemented measures designed to secure your personal information from
accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions will be encrypted.
The safety and security of your information also depends on you. Where we have given
you (or where you have chosen) a password for access to certain parts of our Online Services, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of our Online Services, like message boards. The information you share in public areas may be viewed by other users of the Online Services.
Unfortunately, the transmission of information via the Internet is not completely secure.
Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Online Services. Any transmission of personal information is at your own risk. We are not responsible for the circumvention of any privacy settings or security measures contained on our Online Services.
Changes to Our Privacy Policy
It is our policy to post any changes we make to our privacy policy on this page. If we
make material changes to how we treat our users’ personal information, we will notify you. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Online Services (if applicable), and this privacy policy to check for any changes.
Contact Information
To ask questions or comment about this privacy policy and our privacy practices, contact
us at:
100 Oceanside Drive
Nashville, TN 37204
Email: friends@bca247.com
To register a complaint or concern, please email friends@bca24.com
