This Privacy Policy shall be effective as of September 01, 2023.

This website is owned and operated by ERTC Financing, Inc. (“ERTC Financing”). We at ERTC Financing respect and protect the privacy of visitors to our websites, and the privacy of our customers. We respect and value the privacy of our clients and have developed this Privacy Policy to demonstrate our commitment to protecting your privacy. Except where otherwise noted, this Privacy Policy applies to and describes our information handling practices when you access our services, which include our content located on this website, or any other websites, pages, features, or content we own or operate (collectively, the “Site(s)”) or third-party applications relying on API, and related services (referred to collectively hereinafter as “Services”).

These Sites are general audience websites and we do not knowingly collect personal, or other, information from children under the age of 18. If you are under the age of 18, please do not use our site. If we suspect that information provided to us is, in fact, personal information of an individual younger than 18 years of age, such information will be deleted, aggregated, or anonymized as soon as possible. Please notify us if you know of any individuals under the age of 18 using our services so we can take action to prevent access to our services.

ERTC Financing is a marketplace dedicated to helping small businesses access and manage capital.
Our Privacy Policy is applicable to all users of our Sites.

We recommend that you also take a look at ERTC Financing’s Terms of Use. In cases where we require your consent to process your personal information, we will request your consent for the collection, utilization, and disclosure of your personal information, as further elaborated below. Additionally, we may offer additional "just-in-time" notifications or information concerning the data processing practices associated with specific Services. These notifications may complement or clarify our privacy practices or provide you with extra options regarding how we handle your data.

1. Types of Information Collected

When you access our Sites, we gather various kinds of information related to you and your business.

Our Sites collects data that identifies, relates to, describes, references, has the potential to be linked with, or could reasonably be associated, directly or indirectly, with a specific consumer, household, or device ("Personal Information"). Personal information excludes:

• - Publicly available information from government records.

• - Deidentified or aggregated consumer information.

To create an account and utilize our Services, we will request certain essential information from you. This information may be legally required (e.g., for identity verification), necessary to provide the requested services (e.g., three (3) months of bank statements may be required), or relevant for specific designated purposes, which are further detailed below. As we introduce new features and Services, you may be asked to provide additional information.

Please be aware that if you choose not to share certain information with us, we may not be able to fully assist you, or the quality of our Services may be compromised.

1.1 We obtain information directly from you, and it pertains to you.

• Personal Identification Information: This includes your full name, date of birth, demographic details (such as nationality and gender), signature, utility bills, photographs, phone number, home address, IP address, social security number, and/or email.

• Formal Identification Information: This category covers government-issued identity documents such as a Passport, Driver’s License, National Identity Card, State ID Card, Tax ID number, passport number, driver’s license details, national identity card details, visa information, and any other data necessary to comply with legal obligations, including those under financial, consumer protection, and commercial lending laws.

• Institutional Information: This encompasses your Employer Identification number (or a comparable government-issued number), proof of legal formation (e.g., Articles of Incorporation), and personal identification information for all significant beneficial owners.

• Financial Information: This category includes bank account details, tax return information, Federal and State Tax ID, Profit and Loss Statements, Income statements, Credit Score, Business Invoices, and Wire Instructions.

• Transaction Information: This pertains to details about the transactions you conduct on our Services, such as the recipient's name, your name, the transaction amount, and timestamp.

• Employment Information: Office location, job title, and role description.

• Correspondence: Information like survey responses and data provided to our support team or user research team.

• Business Information: This involves the type of business, the list of officers, members, or managers of the business, articles of incorporation, certificates of good standing, and ownership structure.

Rest assured, the documents and information collected are securely stored and safeguarded. To fulfill our service commitments to you, you grant us permission to share any and all information provided to or obtained by ERTC Financing on your behalf with lenders, other businesses that may require this information to serve ERTC Financing, for ERTC Financing's business purposes, or to meet regulatory or legal obligations. Your documents will never be disclosed, transmitted, or shared without your explicit consent, except when required by legal and regulatory obligations that prevent prior notification.

1.2 Information Automatically Collected

We gather information about how your computer interacts with our Sites for various purposes.

Certain types of information are automatically received and stored whenever you engage with the Sites or utilize our Services. This data assists us in addressing customer support matters, enhancing the performance of our Sites and applications, providing you with a more streamlined and personalized experience, and safeguarding your account from fraud by detecting unauthorized access. Information collected automatically encompasses:

Online Identifiers: This includes geolocation/tracking details, browser fingerprint, operating system, browser name and version, and device IP addresses.

Usage Data: Authentication data, security questions, click-stream data, public social networking posts, and other data collected through cookies and similar technologies.

For instance, our server logs may automatically capture and record the following details:

• - How you arrived at and used the Services.

• - Device type and unique device identification numbers.

• - Device event information (such as crashes, system activity and hardware settings, browser type, browser language, the date and time of your request, and referral URL).

• - How your device interacts with our Sites and Services, including the pages visited and links clicked.

• - Geographic location.

• - Other technical data collected through cookies, pixel tags, and similar technologies that uniquely identify your browser.

Additionally, we may utilize identifiers to recognize you when you access our Sites via an external link, such as a link found on a third-party site.

How Your Information Is Utilized

We employ your information for various purposes, all of which support the Sites and Services of ERTC Financing.

• Provide ERTC Financing Services: Your personal information is processed to deliver the Services to you. For instance, when you seek business financing from one of our financing partners, we require specific information, such as your identification, contact details, and income information. Without such information, we cannot furnish you with our Services.

• Service Communications: We send administrative or account-related information to you to keep you informed about our Services. This includes updates, relevant security alerts or updates, and other transaction-related details. These communications are essential for keeping you informed about significant developments related to your account and how you can use our Services effectively. Critical service communications, like emails or mobile notifications for legal or security purposes, cannot be opted out of.

• Customer Service: Your personal information is processed when you contact us to resolve queries, disputes, collect fees, or troubleshoot issues. This processing is vital for responding to your requests and ensuring uninterrupted use of the Services.

• Research and Development: We use your personal information to gain better insights into how you use and engage with ERTC Financing's Services. This information helps us customize, measure, and enhance our Services, as well as the content and layout of our applications, and develop new services. This processing is crucial for maintaining your satisfaction with our Services.

• Enhance Your Experience: Your personal information is processed to provide a personalized experience and implement the preferences you request. For example, if you choose to grant us access to specific personal information stored by third parties, this processing ensures your continued enjoyment of our Services.

• Facilitate Corporate Transactions: We may process information related to your account and use of our Services when involved in corporate acquisitions, mergers, or other transactions. If you do not wish to have your personal information processed for such purposes, you have the option to close your account.

• Legal and Regulatory Compliance: Many of our core Services are subject to laws and regulations necessitating the collection, use, and storage of your personal information in specific ways. Compliance with these laws, such as commercial lending laws across jurisdictions, mandates the identification and verification of customers using our Services.

• Enforce Agreements: Given the sensitive nature of the information we handle, such as your identification and financial data, we actively monitor, investigate, prevent, and mitigate potentially prohibited or illegal activities. This includes enforcing our agreements with third parties and detecting violations of our user agreement or agreements related to other Services.

• Detect and Prevent Fraud: We process your personal information to detect, prevent, and mitigate fraud and abuse of our Services, ensuring the protection of your account and information against compromise or loss.

• Quality Control: Personal information is processed for quality control and staff training to ensure the provision of accurate information. Without this processing, you may encounter issues when using the Services.

• Network and Information Security: Your personal information is processed to enhance security, verify identity or service access, combat spam or other security risks, and comply with applicable security laws and regulations. Given the evolving threat landscape on the internet, it is crucial that we have accurate and up-to-date information about your use of our Services to ensure their security. Without this processing, we may be unable to guarantee the security of our Services.

Disclosure of Information to Third Parties

We may reveal your personal information when required by law, to provide our Services, and for legitimate business purposes. Such disclosures are made under written contracts that specify the purposes, require confidentiality, and prohibit the use of the disclosed information for any purpose other than contract performance.

Disclosure by Law:

You acknowledge and agree that we may disclose the information you provide if compelled by law, upon the request of a third party, or if, in our sole discretion, we believe that disclosure is reasonable to (1) comply with legal requirements, requests, or orders from law enforcement, or any legal process (whether or not mandated by applicable law), and (2) protect or defend the rights or property of ERTC Financing or a third party.

Lenders and/or Brokers:

By enrolling in our services or submitting a request for a business loan product or service as offered on our Sites, you signify your consent, acknowledgment, and agreement to share your information with lenders and/or brokers within our network. We will not conduct a credit check without your authorization. Please note that lenders, brokers, and/or other service providers with whom your information is shared may retain your information, even if you do not enter into an agreement for their products or services. For information regarding their privacy and information policies, please contact each such party directly. Additionally, if you enter into an agreement with a lender, broker, or other service provider through the ERTC Financing service and update the information you have provided to us, we may share the updated information with these parties.

Disclosure to Trusted Third Parties by Us:

Upon completing a profile on the site and filling out the application, we will share your information with third-party service providers with whom you are matched. A list of these partners can be found on our partners page. By accepting the Terms of Use, you consent to receiving various marketing materials from our trusted third parties, including potential lenders and service providers. We are not responsible for the content of these third parties or their actions. Your information shared with third-party contractors providing services to ERTC Financing will be treated as private and confidential, used solely for the purposes you authorize. Additionally, we may, from time to time, share personal information (such as email or mailing addresses) about our user base with carefully selected third parties, allowing them to offer goods and services that we believe may be of interest to our users. If you do not wish to receive offers from our trusted partners, you can adjust your email preferences at any time by following the steps outlined in the "Choice/Opt-Out" section below.

Security

We've implemented prudent measures to safeguard your information.

We've established robust security protocols to prevent the loss, misuse, or unauthorized alteration of data stored in our database. These safeguards encompass industry-standard encryption methods, stringent administrative access controls over site data, and proprietary security measures that apply to all user information repositories and transfers. While we exercise reasonable care in ensuring secure data transmission between your computer and our servers, please be aware that no information transmitted over the Internet can be guaranteed 100% secure. Consequently, we cannot assure or warrant the security of any data transmitted to us over the Internet and therefore accept no liability for unintentional disclosures. For more details, please refer to our Terms of Use.

In the event of a data breach at ERTC Financing, we will promptly notify you. This notification will include information about the breach and any additional details required to comply with breach notification laws and regulations.

Notification of Privacy Policy Updates

We maintain the right to revise this Privacy Policy and will inform you of any changes. However, we recommend that you regularly check this policy for the most current information.

We may update this privacy policy to reflect modifications in our information handling practices. If there are significant changes, we will notify you via email (sent to the email address provided in your account) or through a notice on this Site. We encourage you to periodically visit this page to stay informed about our latest privacy policy. When we make revisions to this Privacy Policy, we will update the revision date at the top of the policy.

Contact Information

For inquiries about this Privacy Policy or to exercise your privacy rights, please reach out to us using the following details:

Monday - Thursday 8am - 8pm EST
Friday 8am - 4pm EST

661 Central Ave, Suite 106, Cedarhurst, NY 11516

Email: support@ertcfinancing.com