Privacy Policy

Thank you for visiting the National Business Capital website (the “Site”), which is operated by National Business Capital (referred to as the “Company,” “we,” “us,” or “our”).

At National Business Capital, we respect the privacy of our customers, business partners, and Site visitors. We are committed to protecting the privacy of individuals who visit the Site.

This Privacy Policy (the “Policy”) explains how the Company collects, uses, and shares information about you (“customer,” “you,” and “your”) that you provide or that we obtain online when you visit the Site, utilize our services, or sign up for e-mail or text message advertisements (“Services”).

This Policy also describes the rights and choices you may have with respect to your personal information, how you can assert those rights, and how you can reach us to get answers to your questions. Please take a moment to familiarize yourself with our privacy practices. If you have any questions regarding our Policy, please see the Contact Us section below.

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 Site.

What Information Do We Collect and How do we collect it?

• We collect information from you when you apply on the Site or participate in another Site feature.
• When applying, we may ask you for your name, e-mail address, mailing address, phone number, gross sales, and credit card volume or other information. You may, however, visit our Site anonymously.
• When you sign up to receive advertising communications from us via email, SMS, or phone, we collect certain personal information from you. This information may include, but is not limited to, your name, email address, phone number, and any other details you provide during the sign-up process. This data helps us to manage and enhance our communication with you and to deliver the most relevant content and offers.
• If you begin filling out an application or other form on the site without submitting it, partial information, including but not limited to your name, e-mail address, mailing address, and phone number, will be collected.
• Like many websites, we use “cookies” to enhance your experience and gather information about visitors and visits to our websites. Please refer to the “Do we use ‘cookies’?” section below for information about cookies and how we use them.

How Do We Use Your Information?

We may use the information we collect from you when you apply or use certain other Site features in the following ways:

• To personalize your Site experience and to allow us to deliver the type of content and product offerings in which you are most interested.
• To allow us to better service you in responding to your customer service requests.
• To quickly process your requests.
• To administer other Site features.
• To respond or notify you, including when you begin filling out an application, reach out to us with a request or question, consent to a staff member emailing, texting or calling you about products or services you have asked about or applied for, and to notify you of updates to your application.
• For marketing and advertising, including tailoring and personalizing advertisements and promotional content we send to you. By understanding your preferences and interests, we aim to provide you with more relevant and useful advertisements, whether they are sent via email, SMS, or phone. Additionally, this information may be utilized for general advertising purposes, such as creating broad marketing campaigns and analyzing market trends, ensuring that our promotional efforts are effective and aligned with the interests of our audience.
• Any complete or partial information you provide, even if not fully submitted, may be used to contact you and send you general advertising communications. This includes emails, newsletters, or promotional materials that may be relevant to your interests based on the information you have entered on our site
• For internal purposes including, but not limited to, auditing, data analysis, and research to improve our product offering, service offering, and customer communications.
• To comply with our legal obligations, resolve any disputes that we may have with any of our users, and enforce our agreements with third parties.
• To fulfill any other purpose for which you provide it or for any other purpose with your consent; or in any other way, we may describe when you provide the information.

How Do We Protect Visitor Information?

We run off of Linux servers. We also use enterprise-class firewalls to protect your information. Our servers are monitored 24 hours/a day and 7 days/a week to ensure your information is protected. Please do note that you will never have to enter your social security number, date of birth, or actual credit card information on our Site. We do not accept payments on our Site. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. While we strive to protect your information, we cannot guarantee that your information is absolutely secure. Please keep this in mind when disclosing any information to us. Please recognize that protecting your information is also your responsibility. We urge you to take every precaution to protect your information when you are on the Internet, or when you communicate with us and with others through the Internet.

Do We Use “Cookies”?

Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current Site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about Site traffic and Site interaction so that we can offer better experiences and tools in the future.

We may contract with third-party service providers to assist us in better understanding our Site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business.

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 do this through your browser (like Netscape Navigator or Internet Explorer) settings. Each browser is a little different, so look at your browser’s help menu to learn the correct way to modify your cookies. If you turn cookies off, you won’t have access to many features that make your Site experience more efficient, and some of our services will not function properly.

Your options

Updating or accessing your personal information. You can access or update your personal information by writing to us at the address specified in the Contact Us section below.

Email choices. You can opt out of marketing or advertising emails by following the unsubscribe process included in the promotional email you received. If you opt out of receiving marketing messages, you will still receive Service-related emails from us that may be necessary for us to make the Services available to you or respond to your inquiries.

• Telephone choices (calls and texts). You may opt out of receiving text messages by texting “STOP”, or to opt out of marketing or advertising calls, by contacting us through one of the methods specified in the Contact Us section below.

Do We Disclose the Information We Collect to Outside Parties?

By using our Services or providing us with your personal information, you consent to the collection, use, and disclosure of your information as described in this Policy.  We do not sell, rent, or lease to outside parties your personally identifiable information without your explicit consent, unless otherwise required by law. The term “outside parties” does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. The term “outside parties” does not include investors and other parties who assist us in the funding of your cash advance or servicing you, so long as those parties agree to keep this information confidential. Non-personally identifiable visitor information may be provided to other parties for marketing, advertising, providing you with relevant products, services, offers, or other uses. By providing your personal information, you acknowledge and agree that these outside parties may contact you via email, phone, or other communication channels, in order to offer their products, services, or promotions that may be of interest to you. Please note that the privacy practices of these outside parties are governed by their own policies, and we encourage you to review their privacy policies before engaging with them. Sharing excludes text messaging originator opt-in data and consent; this information will not be shared with any third parties. We do not control the actions of these outside parties, and we disclaim any responsibility or liability for their use of your personal information. If you wish to opt-out of receiving communications from our third-party partners, you may do so by following the instructions provided in their communications or by contacting us or them directly. However, please note that opting-out may impact your access to certain services or offers. We take reasonable measures to ensure that your personal information is securely shared with outside parties and that they only use your information for the purposes specified in this Policy. We may disclose personally identifiable information that we collect or that you provide:

• To our subsidiaries and affiliates.
• To contractors, service providers, vendors, and other third parties we use to support our business.
• To respond to subpoenas, court orders, and legal processes, or to establish or exercise our legal rights or defend against legal claims.
• To investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violation of our terms or agreements, or as otherwise required by law; and/or 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 our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which your personal information is among the assets transferred.
• However, non-personally identifiable visitor information may be provided to other parties, including marketing agencies, advertisers, and business partners for marketing, advertising, or other uses.

Contact Us

If you have any questions or comments regarding this Policy, please do not hesitate to contact us by calling us at 1-888-488-4769 or emailing responses@National.biz

You may also contact our corporate headquarters by writing to us at:
National Business Capital
80 Arkay Drive, Suite 215
Hauppauge, NY 11788

Canada Residents

If you are a resident of Canada, or a Canadian entity, by using our Site and/or filling out an application, you consent to our collection, use, and disclosure of your business and personal information, both online and offline, for the following purposes:

We may use your credit, financial, and related personal and/or business information provided to us while engaging in our services. Birth dates, social insurance numbers, or other personal identification information may be used by us to verify your identity, records, or credit information, and for the purposes of meeting legal, regulatory, audit, processing, security requirements, and as otherwise permitted or required by Canadian law and applicable foreign laws.

In order to evaluate your potential or actual transaction and to establish your credit history and/or the credit history for your business, we may provide and collect your information to/from the following third parties: (1) our respective affiliates, agents, and representatives; (2) credit bureaus and reporting agencies; (3) other lenders, business and financial institutions with whom you or the Business have had or may have a financial relationship, including references and any credit card processors; (4) parties connected with or involved in the proposed or actual financing, insuring, securitization, sale, assignment or other disposals of all or part of our businesses or assets; and (5) Successors and assignees of our business or asset.

Your consent will continue and be valid until the above-stated purposes have been completed. By consenting to this Policy, you represent and warrant that you have the necessary consent of any other principals, guarantors, or other individuals whose personal information is provided to us by you.

Third Party Links

In an attempt to provide you with increased value, we may include third-party links on our site. These linked sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these linked sites (including if a specific link does not work).

Changes to Our Policy

If we decide to change our Policy, we will post those changes on this page. Policy changes will apply only to information collected after the date of the change. This Policy was last modified on June 17, 2024.

Online Policy Only

This online Policy applies only to information collected through our website and not to information collected offline.

Questions and Feedback

We welcome your questions, comments, and concerns about privacy. Please send us any and all feedback pertaining to privacy or any other issue.

Your Consent

By using our Site, you consent to our Policy.

*This provision does not apply to Canadian residents or entities

Children Under the Age of 13

Our Site is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Site. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Site or through any of its features, register on the Site, use any of the interactive or public comment features of this Site, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or username you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at the phone number provided in the Contact Us section above.

California Privacy Rights

These provisions apply only to California consumers and supplement this Policy. The California Consumer Privacy Act of 2018 (“CCPA”) and the California Privacy Rights Act of 2020 (“CPRA”), collectively referred to as “California Consumer Privacy Laws,” provide California consumers with specific rights regarding their personal information.

This section describes your rights under the California Consumer Privacy Laws and explains how you may exercise those rights. To exercise the rights below please see the section entitled How to Contact Us About Your California Privacy Rights below.

California Consumer Privacy Laws provide you with the following rights:

Right to know. You have the right to know what categories and specific pieces of personal information we collect about you, the sources from which we collect personal information, our business or commercial purpose for the collection, use, and sharing of your personal information, and any categories of third parties to whom we sell or with whom we share your personal information.

Right to data portability. You have the right to request a copy of personal information we have collected and maintained about you in the past 12 months. California Consumer Privacy Laws allow you to request your information from us up to twice during a twelve (12) month period. We will provide our response in a readily usable format.

Right to delete. You have the right to request that we delete the personal information that we have collected from you and maintained, subject to certain exceptions. Please note that if you request deletion of your personal information, we may deny your request or may retain certain elements of your personal data if certain exceptions apply under California Consumer Privacy Laws.

Right to opt out of selling or sharing. You have the right to opt out of the sale or sharing of your personal information, along with the right to opt in to the sale of such information. If we sell or share any of your personal information, you may, at any time, tell us not to sell or share your personal information. We will also treat Global Privacy Control browser signals as opt-out of sale/share requests under the California Consumer Privacy Laws. At the time this Policy was last updated, we have not sold (as defined in California Consumer Privacy Laws) nor shared personal information for the purpose of cross-context behavioral advertising in the past 12 months, as detailed below.

Right to correct. You have the right to request the correction of any personal information we maintain about you.

Right to limit use or disclosure of sensitive personal information (“SPI”). You have the right to limit the use or disclosure of your SPI if we are using your SPI beyond what is reasonable and proportionate to provide the requested goods or services.

Right to nondiscrimination. You have the right not to receive discriminatory treatment by us for the exercise of your CCPA privacy rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

How to Contact Us About Your California Privacy Rights

Calling us at 1-888-488-4769.

Writing to us at:
National Business Capital
80 Arkay Drive, Suite 215
Hauppauge, NY 11788

Verification of Your Identity

After you submit a request, (except as otherwise may be provided under California Consumer Privacy Law with respect to opt-out requests) we must verify your identity in order for us to properly respond and/or confirm that it is not a fraudulent request. To verify your identity, we will request, at a minimum, that you provide your name, email address, phone number, address, and relationship to us, so that we can seek to match this information with the information existing in our systems. When providing us this information, you represent and affirm that all information provided is true and accurate. If we are unable to verify that the consumer submitting the request is the same individual about whom we have collected personal information, we may contact you for more information, or we may not be able to meet your request.

Only you, or an agent legally authorized to act on your behalf, may make a verifiable request related to your personal information. If you are making a request as the authorized agent of a California consumer, we will ask you also submit reliable proof that you have been authorized in writing by the consumer to act on such consumer’s behalf.

Our Response Time to Your Request

We will make every effort to respond to your request within forty-five (45) days from when you contacted us. If you have a complex request, the California Consumer Privacy Laws allow us up to ninety (90) days to respond.

California “Shine the Light”

Under California Civil Code Section 1798.83, California residents have the right to request in writing from businesses with whom they have an established business relationship: (a) a list of the categories of personal, as defined under the statute, such as name, email address, and mailing address, and the type of services provided to the customer that a business has disclosed to third parties during the immediately preceding calendar year for the third parties’ direct marketing purposes; and (b) the names and addresses of all such third parties.

VIRGINIA PRIVACY RIGHTS

Virginia law provides Virginia residents with the rights listed below, subject to applicable law. Virginia residents may exercise these rights as detailed below in the section entitled How to Contact Us About Your Virginia Privacy Rights.

• Right to Know. You have the right to know and see what personal data we have collected about you.
• Right to Data Portability. You have the right to obtain a copy of your personal information that you previously provided to us in a portable and, when feasible, readily usable format, where the processing is carried out by automated means.
• Right to Correct. You have the right to request that we correct inaccurate personal information.
• Right to Delete. You have the right to request that we delete the personal information we have collected about you.
• Right to opt out of selling or sharing. You have the right to opt out of the sale of your personal information and the processing of your personal information for purposes of (i) targeted advertising or (ii) profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. We currently do not process or sell your personal information for the purpose of targeted advertising.

How to Contact Us About Your Virginia Privacy Rights

Calling us at 1-888-488-4769 or emailing us at responses@National.biz

Writing to us at:
National Business Capital
80 Arkay Drive, Suite 215
Hauppauge, NY 11788

Appeals

If we decline to take action regarding a request that you have submitted, we will inform you of our reason for declining to take action and provide instructions for how to appeal the decision. If we do not respond to a request that you make pursuant to your Virginia Privacy rights, you have the right to appeal our refusal to act within a reasonable period after you receive our decision. Within 60 days of our receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If the appeal is denied, we will also provide you with an online mechanism, if available, or other method through which you may contact the Attorney General to submit a complaint.