WHY THIS MATTERS
We want to build a platform to aid people in securing quality equipment finance solutions. Knowing certain things will help us do that better.
PERSONAL DATA THAT YOU PROVIDE THROUGH THE SERVICES
We collect Personal Data from you when you voluntarily provide such information, including but not limited to when you access, complete and/or use one of our online forms, tools or content items, contact us with inquiries, respond to one of our surveys, register for access to the Services or use certain Services.
If you complete one of our online forms, you may be asked to provide Personal Data in order to provide the Services as described:
|Demographic Data||Contact data such as your name, address (including zip code), email, zip code, date of birth, social security number and phone number.|
|Personal Records||Estimated credit score, payment history, employment status, ownership or rental history, income, education level and degrees, and other information.|
|Account Registration||If we have registration and/or a log-on experience, this would include the information we collect when you create an account such as name, email and/or other information to provide account related functionalities to our users.|
|Feedback and Support||If you provide us feedback or contact us for support, we may collect your name and e-mail address, as well as any other content that you send to us. We collect and use this data based upon our business need to receive and act upon your feedback or issues.|
|Surveys||If you voluntarily submit certain information to our services, such as filing out a survey about your user experience, we may collect the information you have provided. We may collect this information to understand your opinions, better market our services and to collect relevant information about our business.|
For clarity, Finance Scope collects Personal Data from you to, in part, provide you with personalized content and information related to financial products, but Finance Scope is not a lender, credit card issuer, bank or other similarly situated financial institution. Any loan or related product to which you may become a party is solely transacted between you and the applicable provider and is not a part of the Services.
INFORMATION AUTOMATICALLY COLLECTED
Whenever you interact with the Services, Finance Scope may automatically receive and record information from your computer, browser and/or mobile device, which may include the following:
The requests you make to Finance Scope may contain your IP address (the Internet address of your computer). We may use visitors’ IP addresses for various purposes, including to display customized content and analyze and report upon usage of the Services; to diagnose and prevent service or technology problems affecting the Services; and to monitor and prevent fraud and abuse.
We may collect information on the type of device you are using, operating system, settings, browser and OS information, unique device identifiers, network information and other device-specific information. The information collected may depend on the type of device you use and its settings.
Location Data: We may collect location data based on your IP address and the geolocation of your device. We collect this data to better tailor our services to you and to help provide service offerings available to you in your geographic area.
Usage Information: We collect information about how you use our Services, such as the types and categories of content that you view or engage with, the features you use, the actions you take, the and the time, frequency and duration of your activities on the Sites.
COOKIES, WEB BEACONS, AND SIMILAR TECHNOLOGIES
Cookies & Analytics:
A cookie is a piece of information that the computer that hosts our Services gives to your browser when you access the Services. Cookies help provide additional functionality to the Services, customize users’ experiences with the Services and help us analyze Services usage more accurately for research, advertising, and marketing purposes. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Services’ features.
Please note that we use Google Analytics cookies for data analytics purposes, and you can find more information on how Google uses data from these cookies at google.com/policies/privacy/partners. You may choose to opt-out of Google Analytics by installing their opt-out browser add-on https://tools.google.com/dlpage/gaoptout/
Additionally, we may share certain information with companies like Facebook, that allow us to create custom or Lookalike Audiences. You may learn more about Facebook Lookalike Audiences click here and about your off-Facebook activity and how to opt out of having such activity sent to Facebook click here.
Aggregated Personal Data:
In an ongoing effort to better understand and serve the users of the Services, Finance Scope often conducts research on our customer demographics, interests and behavior based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and Finance Scope may share this aggregate data with our affiliates, agents, service providers and other third parties with whom we do business. This includes, but is not limited to, information such as financial trends, choices, and comparisons. This aggregate information does not identify you personally. Finance Scope may also disclose aggregated user statistics in order to describe our services to current and prospective financial service providers, and to other third parties for other lawful purposes.
OUR USE OF YOUR PERSONAL DATA AND OTHER INFORMATION
- To identify and potentially personalize the Services when you visit our Sites
- To provide products and services
- For fraud and information security
- To improve the Services
- To conduct analytics such as usage trends
- To respond to inquiries related to support or other requests
- To send marketing and promotional materials about the Services
- To manage our relationships
- To build aggregated user profiles and segments
For more clarity, if you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. For instance, if you contact us by email or provide feedback in any way such as to ask a question or report an issue with the Services, we will use the Personal Data you provide to answer your question or resolve your problem. Also, if you provide Personal Data in order to learn about certain products that may be available to you through third-party providers, we will use your Personal Data to provide you with information on such products and providers, to provide other personalized services, and/or to monitor your use of the Services.
Finance Scope and our affiliates may also use your Personal Data and other personally non-identifiable information collected through the Services to help us improve the content and functionality of the Services, to better understand our users and to improve the Services.
Partners and Third-Party Sources:
Finance Scope’s financial providers with whom we share your information for product pricing may use your Personal Data to communicate with you by email, postal mail or by text message to provide you with:
- Information regarding your application status, or transactional information relevant to your account.
- Opportunities, surveys, and promotions related to your submitted request available through the services or products of our financial providers that we think may be of interest to you.
- Information or content – such as articles or white papers – that we believe would be of interest to you through email, text messages, or postal mail.
You may choose to unsubscribe from marketing emails or mail by emailing [email protected] or at the address below and asking to be removed from any correspondence. Although we will remove you from our marketing lists you may still receive transactional messages related to the Services.
OUR DISCLOSURE OF YOUR PERSONAL DATA
Finance Scope is not in the business of selling your information to third parties. There are, however, certain circumstances in which we may share your Personal Data with certain third parties without further notice to you, as set forth below:
Certain Business Partners: When we partner with other businesses to provide content or services to you or to such business partners, we may share relevant Personal Data in connection with such content or services. For example, we will share your contact and other information with a lender and/or service provider if the information you provide in one of our online forms or tools matches certain criteria for loan products offered by such lender and/or loan originator.
Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets. Your Personal Data could also be shared with professional advisors and counterparties during such events.
Business Analytics: When we partner with certain businesses in order to learn and improve user interface, content, site performance, and our offerings. For example, Information may be shared in order to improve your experience on partner sites as well as on our Sites.
Agents, Consultants and Related Third Parties: Finance Scope, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases, and providing marketing assistance. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function.
Legal Requirements: Finance Scope may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, including responding to a subpoena, warrant, or other legal process, (ii) protect and defend the rights or property of Finance Scope, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.
OTHER IMPORTANT INFORMATION
In general, you can visit the Services without providing Personal Data. If you choose not to provide any Personal Data, however, you may not be able to use certain features of the Services.
If we have registration and/or a log-on experience, this would include the information we collect when you create an account such as name, email and/or other information to provide account related functionalities to our users. If you choose to register and/or provide information, you agree to provide and maintain true, accurate, current, and complete information about yourself.
Please note that if you allow others to use your account (including others you permit to set up profiles under your account), they may be able to view information about your account or any of the profiles under your account.
If you no longer want to use our Services, you can deactivate your account by contacting us at [email protected] or at the address below.
Due to regulatory and information retention requirements, we do not delete your information when you deactivate your account. We will, disable your account and cease sending any communications.
Access To Information:
We rely on you to ensure your information is accurate and up-to-date. To keep your Personal Data accurate, current, and complete, please contact us as specified at the below address or [email protected]. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Services.
Children’s Privacy Online:
Links To Other Websites:
Through the Sites, you can choose to access certain social media websites and services that are owned and/or controlled by third parties (including, without limitation, Facebook, Twitter, Instagram, and others) (such websites and services, collectively, the “Social Media Services”). When you elect to access and use the Social Media Services, you will be sharing your information (which will include personal information if you elect to share such information) with those Social Media Services. As with other Third-Party Sites, the information that you share with the Social Media Services will be governed by the privacy policies and terms of service of the providers of such Social Media Services and not by the policies and procedures we describe here. You may also be able to modify your privacy settings with these Social Media Services to, for example, control what information the Social Media Services disclose to other entities, including Finance Scope. However, please remember that the manner in which Social Media Services use, store and disclose your information is governed by the policies of the applicable Social Media Services provider.
Finance Scope takes reasonable steps to protect the Personal Data provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or email transmission is ever fully secure or error free. In particular, email sent to or from the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via email. Please keep this in mind when disclosing any Personal Data to Finance Scope via the Internet.
By using the Services or providing Personal Data to us, you agree that we may communicate with you electronically regarding security, privacy and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services or by sending an email to you. You may have a legal right to receive this notice in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please notify us at [email protected].
If you are, or believe you have become, a victim of identity theft, you may visit the website of the Federal Trade Commission at https://www.identitytheft.gov for free information to help guard against identity theft and guidance on the recovery steps you can take.
Other Terms and Conditions:
Your access to and use of the Services is subject to the Terms of Service at https://financescope.com/commercial-terms-of-service/
How We Respond to “Do Not Track” Signals:
CONTACTING FINANCE SCOPE
To keep your Personal Data accurate, current, and complete, please contact us as specified below. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Services.
You may contact us as follows:
1910 Aga Drive, Suite 300
Alexandria, MN 56308
Sources of Personal Information
With respect to each of the categories of Personal Information listed in the table above, we obtain such Personal Information from a variety of sources, including from:
- our customers and consumers, with respect to both online and ofﬂine interactions they may have with us or our service providers and other entities with whom you transact;
- others with whom you maintain relationships who may deal with us on your behalf; credit bureaus;
- identify verification and fraud prevention services;
- marketing and analytics providers;
- public databases;
- social media platforms;
- advertising networks;
- government entities;
- internet service providers and the devices you use to access our websites, mobile applications, and online services;
- operating systems and platforms;
- third party through the use of an application program interface (API), such as Facebook or Plaid;
- data brokers
Use of Personal Information
With respect to each of the categories of Personal Information listed in the table above, we may use or disclose such Personal Information for any one or more of the following business purposes:
- To fulfill or meet the reason for which the information is provided.
- To provide you with information, products or services that you request from us;
- To provide you with email alerts, event registrations and other statements concerning our products or services;
- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections;
- To detect and protect against security incidents, and malicious, deceptive, fraudulent or illegal activity, and prosecute the same;
- To debug to identify and repair errors in our systems;
- As otherwise necessary or appropriate to protect the rights, property or safety of us, our customers, consumers, or others;
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations;
- For such purposes as may be necessary or appropriate in connection with audits and reporting relating to particular transactions and interactions, including online interactions, you may have with us or others on our behalf;
- To improve our website and apps and present their content to you;
- For testing, research, analysis and product development;
- For short-term, transient use including contextual customization of ads; and/or
- As otherwise described to you when collecting your Personal Information
Sharing Personal Information
With respect to each of the categories of Personal Information listed immediately below, we may disclose such Personal Information to a third party for any of the business purposes identified above.
Changes to Our Privacy Statement