This Privacy Notice
Discloses The Privacy Practices For https://instacapitalgroup.com/ and Applies
Solely To Information Collected By This Web Site.
It will notify you of
the following:
What personally
identifiable information is collected from you through the website, how it is
used, and with whom it may be shared?
What choices are
available to you regarding the use of your data?
The security
procedures in place to protect the misuse of your information.
How you can correct
any inaccuracies in the information.
We reserve the right
to change this Privacy Notice from time to time. Your use of our site and
submission of Personal Information online constitutes acceptance and
understanding of this Statement as in effect at the time of your submission.
What Information We
Collect and What We Do with It
We do not collect
personal information from visitors to our website unless you voluntarily decide
to transmit information to us through one of the provided e-mail addresses or
as part of an online application. Visitors are invited to apply for our
products or services, make inquiries about our company and the services we
provide, or to inquire about job opportunities. We will use the information you
provide us in those communications to respond to your inquiry and to provide
you with information relating to our company. With your permission, we may also
provide you with information about potential third-party services that we
believe you may find of interest. We may also use your information to provide
you with information about different products and services that we or an
affiliated company may offer.
After we have obtained
your permission, we may provide your personal information to third parties to
allow these third parties to provide you with information relating to products
or services that they may provide or might be of interest to you. We also
disclose your personal information to contractors or service providers who
provide services or perform functions on our behalf – for example, an
information technology service provider or human resources consultant. Those
contractors and service providers are permitted to use your personal
information only for the purpose for which it has been provided and may not disclose
it to any other third party except at our express direction and consistently
with this Privacy Statement.
Your Access to And
Control Over Information
You Can Do the
Following At Any Time By Contacting Us Via The Email Address Or Phone Number
Given On Our Website:
See what data we have
about you, if any.
Change/correct any
data we have about you.
Have us delete any
data we have about you.
Express any concern
you have about our use of your data.
Cookies
We use “cookies” on
this site and on other company-related material. A cookie is a piece of data
stored on a site visitor’s hard drive to help us improve your access to our
site and other material and identify repeat visitors. For instance, when we use
a cookie to identify you, you would not have to log in with a password more
than once, thereby saving time while on our site. Cookies can also enable us to
track and target the interests of our users to enhance the experience on our
site.
Security
We take precautions to
protect your information. When you submit sensitive information via the
website, your information is protected both online and offline.
While we use
encryption to protect sensitive information transmitted online in any form, we
also protect your information offline. Only employees who need the information
to perform a specific job (for example, billing or customer service) are
granted access to personally identifiable Information. The computers/servers in
which we store personally identifiable information are kept in a secure
environment.
If you feel that we
are not abiding by this privacy policy, you should contact us via telephone at
(877) 505-0162 or via email at info@instacapitalgroup.com.
Mailing Address:
Insta Capital Group
80 SW 8th Street 20th
Floor
Miami, FL 33130
Privacy Policy for
Florida Residents
The below information
applies solely to Florida residents who are owners of a business (whether
located in Florida or elsewhere), who have inquired or submitted an application
for financing to Insta Capital Group (or to Insta Capital Group through a third party) and
whose interactions with Insta Capital
Group are subject to the Florida consumer protection statues.
I. Why Do We Collect
Your Personal Information?
Insta Capital Group provides commercial
financing to small businesses. In order to provide small business financing, we
must collect information regarding the business as well as personal information
from the business owner(s). Without obtaining this information, Insta Capital
Group would be unable to provide financing as it would not have the information
necessary to underwrite a request for financing.
II. What Personal
Information Do We Collect?
Insta Capital Group collects and maintains all
information that the business owner(s) submits to Insta Capital Group. This includes information about the business
(e.g. business name, business address, business telephone number, business bank
statements, credit card processing statements, federal tax identification
number, financial statements, tax returns, email addresses, etc.) as well as
all personal information submitted by the business owner(s) to Insta Capital Group (e.g. name, address, date
of birth, driver’s license information, social security number, credit report
information, telephone number, email addresses, etc.). Insta Capital Group also collects and
maintains information about the business applicant and owner(s) that Insta
Capital Group receives from third parties.
This information may be obtained by Insta Capital Group from a third
party that refers the business and business owner(s) to Insta Capital Group and
such information may include everything listed above that Insta Capital Group collects
itself from businesses and their owners.
This information may also be obtained by Insta Capital Group from other
third parties such as tax reporting services, bank account verification
services, bank activity information providers, credit reporting services,
landlords and neighbors, telephone number verification services, email
verification services, IP address verification services, business status
services, and credit card processing companies. Insta Capital Group may disclose the
aforementioned categories of personal information to third parties in order for
third parties to provide commercial financing to the business or in order for
third parties to assist Insta Capital Group in its servicing or collection of past-due
accounts.
Insta Capital Group also collects and
maintains information that is indirectly provided to us by visiting our
website(s) or any other online pages that we may maintain (whether accessed by
computer or mobile phone). This includes information such as IP Addresses,
browser information, information collected via cookies, geolocation, and any
actions taken while utilizing Insta Capital Group’s website or other online
pages that we may maintain.
III. Do We Sell
Personal Information?
Insta Capital Group does not sell any personal
information to third parties. Insta
Capital Group may share personal information with its service providers who
have a need to know the information to assist Insta Capital Group and to third
parties who will assist a small business applicant in obtaining financing for
the business and will do so only with the business’s express authorization.
Insta Capital Group only provides commercial
financing to businesses whose owners are over the age of eighteen (18) years
old and therefore does not collect nor sell the personal information of minors.
IV. Right To Request
Information Regarding Collected Personal Information
A business owner has
the right to request that Insta Capital Group disclose what personal
information it has collected about the business owner and what personal
information Insta Capital Group may have
disclosed to a third party. A business owner that submits personal information
to Insta Capital Group can either personally or through an authorized agent,
request the disclosure of the personal information that Insta Capital Group collected
and maintains within the previous twelve (12) months.
A business owner, or their
authorized agent, that submits personal information to Insta Capital Group may
request the disclosure of personal information by submitting a verifiable
request for information to: info@instacapitalgroup.com. In order to be a verifiable request for
information, the email must include the following: business name; business
owner’s name; business address, business owner’s home address; business email,
business owner’s email; business telephone number, and business owner’s
telephone number.
Within ten (10) days after
receipt of the verifiable information request, Insta Capital Group will confirm
that it is in receipt of the request and will utilize the information provided
to look for the relevant information in its internal systems so that it may
determine what personal information of the business owner(s) Insta Capital
Group collected and maintains. Insta
Capital Group will respond to the request within forty-five (45) days after
receipt of the request; however, if necessary, Insta Capital Group may utilize
an additional forty-five (45) days to respond to the request and will provide
you with notice of the additional time.
V. Right To Request
Deletion Of Personal Information
A business owner, or
their authorized agent, has the right to request that Insta Capital Group delete the personal information
it has collected and maintains about the business owner(s). A business owner,
or their authorized agent, may request the deletion of the personal information
that Insta Capital Group collected and
maintains within the preceding twelve (12) months.
A business owner, or
their authorized agent, may request the deletion of personal information, by
submitting a verifiable request for deletion to: info@instacapitalgroup.com. In order to be a verifiable request for
deletion, the email must include the following: business name; business’s
owner’s name; business address, business owner’s home address; business email,
business owner’s email; business telephone number, and business owner’s
telephone number.
Within ten (10) days
after receipt of the verifiable deletion request, Insta Capital Group will
confirm that it is in receipt of the request and will utilize the information
provided to look at the business owner’s information it its internal systems so
that it may determine what personal information of the business Insta Capital
Group collected and maintains. Insta
Capital Group will respond to the request within forty-five (45) days after
receipt of the request; however, if necessary, Insta Capital Group may utilize
an additional forty-five (45) days to respond to the request and will provide
you with notice of the additional time.
Insta Capital Group will not delete the
business owner’s personal information to the extent the information is used:
(1) to render a decision related to a financing request; (2) to service an
outstanding financing product; (3) to prevent fraudulent or illegal activity;
(4) for Insta Capital Group’s internal
use related to your relationship with Insta Capital Group as well as Insta Capital Group’s development of
underwriting models, risk models, marketing models, and collection models; (5)
for accounting or tax purposes and to comply with a legal obligation; or (6)
for Insta Capital Group’s internal use
in a lawful manner that is compatible with the context in which the business
owner(s) provided the personal information.
VI. Right of Non-Discrimination
Insta Capital Group does not discriminate
against any small business or small business owner(s) that exercise their right
under the Florida consumer protection statutes.
Any small business or small business owner(s) that exercises their
rights under the Florida consumer protection statutes shall be treated the same
as a small business or small business owner(s) that did not exercise its rights
under the Florida consumer protection statutes.
If you have any
questions or concerns regarding Insta Capital Group’s business practices and
Privacy Policy for Florida Residents, please contact us at: info@instacapitalgroup.com.
Mailing Address:
Insta Capital Group
80 SW 8th Street 20th Floor
Miami, FL 33130
