Privacy Policy

Introduction

BriteCap Financial LLC and its parents, subsidiaries, and affiliates doing business under the BriteCap brand (collectively, “BriteCap,” “we,” “our,” or “us”) respect the privacy of your information.

This Privacy Policy is designed to assist you (any individual or business using this website and/or our Services) in understanding how we collect, use, share, and safeguard your information. This Privacy Policy applies to individuals who access this website and our mobile application (collectively, “Site”) and the products and services we provide (collectively, “Services”). Please also see our Terms of Use for information about how we use your information.

By using our Site or Services, you consent to all terms of this Privacy Policy and to our collection, processing, and sharing of Personally Identifiable Information (as defined below) for the purposes described herein. If you do not agree to this Privacy Policy, you may not access or otherwise use the Site or Services. We may revise this Privacy Policy at any time at our sole discretion. If we make material changes to this Privacy Policy, we will notify you as required by applicable law. We will post any Privacy Policy revisions on this web page, and the revised version will be effective immediately when it is posted.

Information We Collect

We collect Personally Identifiable Information from you through your use of the Site and Services. “Personally Identifiable Information” is individually identifiable information about an individual that we collect online when that individual seeks our Services on behalf of his or her business and that we maintain in an accessible form. We collect the following types of Personally Identifiable Information:

Information You Provide

We may collect the following Personally Identifiable Information  that you voluntarily provide us when you use our Site and Services:

• Applying for Financing. To apply for financing with us, you will provide us you’re your  name, physical address, telephone number, email address, Social Security number, date of birth, and personal credit history. Additionally, you will provide us business information including business name, mailing address, phone number, size, type, industry, time in business, annual revenue, ownership, whether business accepts credit cards, and tax identification number. We will also collect business financial information including bank statements, credit card statements, tax returns, average bank balance, business credit history, payment behavior, bank account information, and tax identification number. We may also collect other information from you during the application process and while you have financing with us, including, but not limited to, beneficial ownership information.
• Feedback. During your interaction with us, any feedback you provide to us of any kind, including but not limited to reviews, comments, suggestions, ideas, survey responses, and other communications or opinions made via any medium (“Feedback”).

Information as You Navigate our Site

We automatically collect certain Personally Identifiable Information through your use of the Site and Services, such as the following:

• Usage Information. For example, the pages on the Site you access, the frequency of access, and what you click and view while on the Site.
• Device Information. For example, IP address, device ID, hardware model, operating system, application version number, and browser.
• Mobile Device Information. Information about whether the Site is accessed via a mobile device or tablet, the device type, and the carrier.
• Location Information. Location information from Site visitors on a city-regional basis.

Third Party Information

In some cases, we may receive certain Personally Identifiable Information from you about a third party. If you submit any Personally Identifiable Information about another individual to us, you are responsible for making sure you have the authority to do so and to allow us to use their Personally Identifiable Information in accordance with this Privacy Policy.

Third Party Sources

To provide our Services, we may receive Personally Identifiable Information about you from third parties such as credit reporting agencies, identity verification and fraud detection providers, and the government. We may also receive Personally Identifiable Information about you from one of our partners, such as a loan broker or a lead generation partner.

How We Use Your Information

We use the Personally Identifiable Information we collect to provide the Services to you, to improve our Site and Services, and to protect our legal rights. In addition, we may use the Personally Identifiable Information we collect to:

• Compile, save, use, and analyze your Personally Identifiable Information in both a personally-identifiable form and as part of aggregated data;
• Operate, maintain, improve, and provide you the Services and to conduct our business activities, including our own financing products 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 one of our financing products;
• Servicing your business financing account, including deducting automatic payments;
• Communicate with you regarding your account,  respond to customer service requests, send marketing communications, and send account update notifications;
• Review and share your Feedback;
• Conduct research and analyses to better understand our customers;
• Communicate with you about our Site or Services or to inform you of any changes to our Site or Services;
• Provide support;
• Maintain and improve our Site and Services;
• Protect the security and integrity of our Site and Services;
• Investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of our Terms of Use, and to otherwise fulfill our legal obligations;
• Monitor compliance with and enforce this Privacy Policy and any other applicable agreements and policies;
• Defend our legal rights and the rights of others;
• Fulfill any other purpose for which you provide it, or any other purpose we deem necessary or appropriate;
• Efficiently maintain our business;
• Comply with applicable law;
• Produce data analytics and reports containing de-identified summaries of Personally Identifiable Information and other information that is not Personally Identifiable Information (such information, “General Information”) that we share with business partners. General Information may include Personally Identifiable Information that has been aggregated and will not identify you.

How We Share Your Information

We may share the information that we collect about you in the following ways:

• As an affiliate of North Mill Equipment Finance LLC (“North Mill”), with North Mill or its affiliates;
• Third-party lenders, loan brokers, lead generation partners, and other business partners;
• With vendors who perform data or Site-related services on our behalf (e.g., email, hosting, maintenance, backup, analysis, etc.);
• With vendors to prepare, deploy, and analyze advertising content;
• To the extent that we are required to do so by law;
• In connection with any legal proceedings or prospective legal proceedings;
• To establish, exercise, or defend our or a third party’s legal rights, including providing information to others for the purposes of fraud prevention;
• With any person who we reasonably believe may apply to a court or other competent authority for disclosure of that Personally Identifiable Information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that Personally Identifiable Information;
• With any other person or entity as part of any business or asset sale, equity transaction, merger, acquisition, bankruptcy, liquidation, or similar proceeding, or in preparation for any of these events;
• With any other person or entity where you consent to the disclosure; and
• For any other purpose disclosed by us when you provide the Personally Identifiable Information, or for any other purpose we deem necessary, including to protect the health or safety of others.

Sharing excludes text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Cookies and Other Tracking Technologies Policy

Like many other companies, we use cookies and other tracking technologies (such as pixels and web beacons) (collectively, “Cookies”).

What are cookies?

Cookies are small files or pieces of information that are stored by your web browser software on your computer, mobile, or other devices (e.g. smartphones or tables). A cookie will usually contain the name of the website from which it came, the “lifetime” of the cookie (i.e. how long it will remain on your device), and a value, which is usually a randomly generated unique number.

What do we use cookies for?

We use Cookies to make the Site easier to use and to better tailor the Site and our products to your interests and needs. This includes recognizing when you return to the Site and understanding and saving your preferences for future visits, allowing us to customize the Site and Services to your individual needs. This includes advertising new content and services that relate to your interests. We also use Cookies to estimate audience size and usage patterns, keep track of advertisements and search engine results, and compile anonymous, aggregated statistics that allow us to understand how people use the Site and to help us improve its structure and content.

We set some Cookies ourselves, while separate entities set other Cookies. We use Cookies other entities set to provide us with useful information, to help us improve our Site and Services, to conduct advertising, and to analyze the effectiveness of advertising. For example, we use Cookies from Google, LinkedIn, and other similar companies.

Types of Cookies Used on the Site

Necessary Cookies: These Cookies are essential to make the Site work correctly. They enable you to move around the Site and use its features. If you do not accept these Cookies, it may affect the performance of the Site or parts of it.

Performance Cookies: These Cookies help us understand how visitors interact with the Site by providing information about the areas visited, the time spent on the Site, and any issues encountered, such as error messages. This helps us improve the performance of the Site. These Cookies do not identify you as an individual. All data is collected and aggregated anonymously.

Functionality Cookies: These Cookies allow the Site to remember the choices you make to provide a more personalized online experience. They can also enable visitors to watch videos and engage with social tools, such as blogs, chatrooms, and forums. The information these Cookies collect may include personally identifiable information that you have disclosed. If you do not accept these Cookies, it may affect the performance and functionality of the Site and may restrict access to certain content on the Site.

Targeting/Advertising Cookies: These Cookies are used to deliver content that is more relevant to you and your interests. These cookies may be used to deliver targeted advertising or to limit the number of times you see an advertisement. They also help us measure the effectiveness of advertising campaigns on the Site and other websites. We may use these Cookies to remember websites you have visited, and we may share this information with other parties, including advertisers and our agencies. These cookies track customers via their IP address.

How You Can Opt Out of Cookies

You can block Cookies by changing your Internet browser settings. You can find out more about Cookies and how to manage them by visiting www.aboutcookies.org or www.allabout cookies.org.

You can opt out of Cookies set by specific entities by following the instructions found on such entities websites, such as Google (https://adssettings.google.com), Facebook (https://www.facebook.com/about/ads), and LinkedIn (https://www.linkedin.com/psettings/guest-controls/retargeting-opt-out).

You can understand which entities have currently enabled Cookies for your browser or mobile device and how to opt out of some of those Cookies by accessing the Network Advertising Initiative’s website or the Digital Advertising Alliance’s website. For more information on mobile specific opt-out choices, visit the Network Advertising Initiative’s Mobile Choices website.

Please note these opt-out mechanisms are specific to the device or browser on which they are exercised. Therefore, you will need to opt out on every browser and device that you use.

The Site and Servies may use Cookies and similar technologies third-party vendors provide to collect information on user behavior (e.g. screens and pages visited, buttons and links clicked, limited information entered, and user taps and mouse movements). This information enables us to monitor and improve user experience.

If you disable the Cookies that we use, this may impact your experience while on the Site. You may not be able to visit certain areas of the Site or you may not receive personalized information when you visit certain areas of the Site. If you use different devices to view and access the Site and Services (e.g. your computer, smartphone, tablet, etc.) you will need to make sure that each browser on each device is adjusted to suit your cookie preferences

By using the Site and Services, you are consenting to our use of Cookies in accordance with this Policy. If you do not agree to our use of Cookies in this way, you should set your browser settings accordingly or not use the Site.

How You Can Opt Out of Cookies or Change Your Cookie Preferences

The Site recognizes the Global Privacy Control (“GPC”) signal. If you are using a browser setting or plug-in that sends an opt-out preference signal to each website you visit, we will treat that as a valid request to opt out and this will be indicated in the banner notice that appears when you visit our website. You can manually indicate your preferences via the Do Not Sell or Share My Personal Information feature, which is located at the bottom of the Site. To download and use a browser supporting the GPC browser signal, click here: https://globalprivacycontrol.org/orgs. If you choose to use the GPC signal, you will need to turn it on for each supported browser or browser extension you use.

Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, the Site does not currently interpret, respond to or alter its practices when it receives “Do Not Track” signals.

Choice About Your Information

Review and Request Changes to Your Information

To review or request changes to any of your Personally Identifiable Information, please contact us at info@britecap.com or by writing us at the address below:

BriteCap Financial LLC

330 South Rampart Blvd., Suite 260
Las Vegas, NV 89145

Marketing Communications

To unsubscribe from our marketing emails, please click the unsubscribe link included in the footer of our emails. You may also submit a request to us at optout@britecap.com or write to us at the above address.

If you supply us with your mailing address, you may receive periodic mailings from us with information on new products and services or upcoming events. If you do not wish to receive such mailings, you may submit a request to us at optout@britecap.com or writing to us at the above address.

Persons who supply BriteCap with their telephone numbers online may receive telephone or text message contact from us with information regarding new products and services or upcoming events. If you do not wish to receive such telephone calls or text messages, please let us know by responding “STOP” to a text message, by sending an e-mail to optout@britecap.com, or by writing to us at the above address.

From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our Privacy Policy. If our information practices change at some time in the future, we will post the policy changes to the Site to notify you of these changes and provide you with the ability to opt-out of these new uses. If you are concerned about how your information is used, you should check back to the Site periodically.

We take the security of your information very seriously. Your information is securely sent to us with 128-bit encryption over the Transport Layer Security (TLS) protocol, which is an encrypted connection between your browser and our servers. Thus, when you enter sensitive personal information (such as a social security number) in our online application, we encrypt the transmission of that information. When we transfer and receive certain types of sensitive information, such as financial information, we redirect visitors to a secure server. We have appropriate security measures in place in our physical facilities to protect against the loss, misuse, or alteration of information that we have collected from you at our Site.

If you feel that this Site is not following its stated Privacy Policy, you may contact us at the above addresses or phone number.

If you allow BriteCap to see your banking information online rather than in hard copy, it is on a read-only basis. BriteCap does not have access to change, edit, or modify bank account information in any way. BriteCap employees cannot view your banking username and passwords.

Notice to California Residents

The California Consumer Privacy Act, as amended by the California Privacy Rights Act of 2020 (“CCPA”), requires that we provide California residents with a privacy policy that contains a comprehensive description of our online and offline practices regarding the collection, use, disclosure, sale, sharing, and retention of personal information and of the rights of California residents regarding their personal information. This section of the Privacy Policy is intended solely for, and is applicable only as to, California residents. If you are not a California resident, this section does not apply to you and you should not rely on it.

The CCPA defines “personal information” to mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household. Personal information does not include publicly available, deidentified, or aggregated information or lawfully obtained, truthful information that is a matter of public record. For purposes of this “Notice to California Residents” section we will refer to this information as “Personal Information.”

Notice at Collection of Personal Information

We currently collect and, in the 12 months prior to the Last Updated date of this Privacy Policy, have collected the following categories of Personal Information:

• Identifiers (name, postal address, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or biometric information)
• Unique personal identifiers (device identifier; cookies, beacons, pixel tags, mobile ad identifiers, or other similar technology)
• Telephone number
• Signature
• Bank account number
• Other financial information, including bank statements, credit card statements, average bank balance, personal and business credit history, payment behavior, and tax identification number
• Internet or other electronic network activity information (browsing history; search history; and information regarding consumer’s interaction with website, application or advertisement)
• Geolocation data
• Commercial information (records of personal property and personal credit information)
• Professional or employment-related information (including employment history)
• Characteristics of protected classifications under California or federal law (age 40 and older)
• Audio or similar information (recordings for monitoring and training purposes)
• Inferences drawn from above information to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, behavior, and abilities

We collect Personal Information directly from California residents and from agents, referral partners, brokers, and credit reporting agencies. We do not collect all categories of Personal Information from each source.

In addition to the purposes stated above in the Section “How We Use Your Information” we currently collect and have collected the above categories of Personal Information for the following business or commercial purposes:

• Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards
• Helping to ensure security and integrity to the extent the use of your Personal Information is reasonably necessary and proportionate for these purposes
• Debugging to identify and repair errors that impair existing intended functionality
• Short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of your current interaction with us, provided that your Personal Information is not disclosed to another third party and is not used to build a profile about you or otherwise alter your experience outside the current interaction with us
• Performing Services, including maintaining or servicing accounts, providing customer service, processing transactions, verifying customer information, providing financing, or providing similar services
• Providing advertising and marketing services, except for cross-context behavioral advertising, to you provided that, for the purpose of advertising and marketing, our service providers and/or contractors shall not combine the Personal Information of opted-out consumers that the service provider or contractor receives from us, or on our behalf with Personal Information that the service provider or contractor receives from, or on behalf of, another person or persons or collects from its own interaction with you
• Undertaking internal research for technological development and demonstration
• Undertaking activities to verify or maintain the quality or safety of a Service and to improve, upgrade, or enhance our Services
• Advancing our commercial or economic interests, such as by inducing another person to buy, rent, lease, join, subscribe to, provide, or exchange products, goods, property, information, or Services, or enabling or effecting, directly or indirectly, a commercial transaction

Sale, Sharing, and Disclosure of Personal Information

The CCPA defines “sale” as the transfer of Personal Information for monetary or other valuable consideration. Although we do not “sell” Personal Information as that term may be commonly interpreted, we engage in online activities that may constitute a sale or a share of Personal Information under California law. This may include showing you advertisements on other websites.

The following table identifies the categories of Personal Information that we sold or shared to third parties in the 12 months preceding the Last Updated date of this Privacy Policy and, for each category, the categories of third parties to whom we sold or shared Personal Information:

We sold or shared Personal Information to third parties to advance our commercial and economic interests.

The following table identifies the categories of Personal Information that we disclosed for a business purpose in the 12 months preceding the Last Updated date of this Privacy Policy and, for each category, the categories of recipients to whom we disclosed Personal Information.

We disclosed Personal Information for the following business or commercial purposes:

• Helping to ensure security and integrity to the extent the use of your Personal Information is reasonably necessary and proportionate for these purposes
• Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling transactions, verifying customer information, processing payments, and providing financing
• Advancing our commercial or economic interests

We do not knowingly collect, sell, or share the Personal Information of consumers under 16 years of age. We do not collect or process sensitive personal information for the purpose of inferring characteristics about individuals.

Retention of Personal Information

We retain your Personal Information for as long as your account is active or as necessary to fulfill the purposes for which we collect it, such as to provide you with the product or Service you have requested, and for the purpose of satisfying any legal, accounting, contractual, or reporting requirements that apply to us.

Your Rights

If you are a California resident, you have the following rights with respect to your Personal Information:

1. The right to know what Personal Information we have collected about you, including the categories of Personal Information, the categories of sources from which we collected Personal Information, the business or commercial purpose for collecting, selling or sharing Personal Information (if applicable), the categories of third parties to whom we disclose Personal Information (if applicable), and the specific pieces of Personal Information we collected about you;
2. The right to delete Personal Information that we collected from you, subject to certain exceptions;
3. The right to correct inaccurate Personal Information that we maintain about you;
4. If we sell or share Personal Information, the right to opt out of the sale or sharing;
5. If we use or disclose sensitive Personal Information for purposes other than those allowed by the CCPA and its regulations, the right to limit our use or disclosure; and
6. The right not to receive discriminatory treatment by us for the exercise of privacy rights the CCPA confers.

How to Submit a Request to Know, Delete, and/or Correct

You may submit a request to know, delete, and/or correct by emailing us at privacy@britecap.com or by calling us toll free at 1-888-796-8717.

If you are submitting a request on behalf of a California resident, please submit the request through one of the designated methods discussed above. After submitting the request, we will require additional information to verify your authority to act on behalf of the California resident.

Our Process for Verifying a Request to Know, Delete, and/or Correct

We will comply with your request upon verification of your identity and, to the extent applicable, the identity of the California resident on whose behalf you are making such request.

We will verify your identity either to a “reasonable degree of certainty” or a “reasonably high degree of certainty” depending on the sensitivity of the Personal Information and the risk of harm to you by unauthorized disclosure, deletion, or correction as applicable.

For requests to access categories of Personal Information and for requests to delete or correct Personal Information that is not sensitive and does not pose a risk of harm by unauthorized deletion or correction, we will verify your identity to a “reasonable degree of certainty” by verifying at least two data points that you previously provided to us and which we have determined to be reliable for the purpose of verifying identities.

For requests to access specific pieces of Personal Information or for requests to delete or correct Personal Information that is sensitive and poses a risk of harm by unauthorized deletion or correction, we will verify your identity to a “reasonably high degree of certainty” by verifying at least three pieces of Personal Information you previously provided to us and which we have determined to be reliable for the purpose of verifying identities. In addition, we may request that you submit a signed declaration under penalty of perjury stating that you are the individual whose Personal Information is being requested.

To verify your request, we will match the personal information you submit with the information we have about you. If we cannot conclude your information matches what we have, you may be directed to contact us with further instructions to assist us in responding to your request. To verify your request, we may ask you to submit the following information:

• Your first and last name;
• The last 4 digits of your Social Security number;
• Your date of birth; and
• The name of your business

Right to Opt Out of Sale or Sharing of Personal Information

If you are a California resident, you have the right to direct us to stop selling or sharing your Personal Information.

You may submit a request to opt out of sales or sharing by emailing us at optout@britecap.com and indicating in the email subject line “Do Not Sell or Share My Personal Information.” If you have enabled privacy controls on your browser (such as a plugin), we will also treat that as a valid request to opt out.

Shine the Light Law

We do not disclose Personal Information obtained through our Site or Services to third parties for their direct marketing purposes. Accordingly, we have no obligations under California Civil Code § 1798.83.

For more information regarding this Privacy Policy, or if you have any questions or concerns, you may contact us in the following ways:

• email us at privacy@BriteCap.com,
• call us at 888.796.8717, or
• write us at 330 South Rampart Blvd, Suite 260, Las Vegas, NV 89145

Please consult the other sections of our Privacy Policy for further information on our practices regarding your personal information.

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