Privacy Policy

Effective Date: October 15, 2019

INTRODUCTION

Neptune Financial Inc. ("NepFin") respects the privacy of personal information and works to ensure that such information is kept private and secure. This privacy policy (this "Privacy Policy") describes the types of information that NepFin collects via our website at www.nepfin.com (the "Site") or through other NepFin online services or mobile applications (collectively, the "Services") and how NepFin uses, shares and stores this information.

The Site is designed for use by owners, employees and agents of businesses, corporations and other entities considering or seeking to obtain loans, potential investors and lenders, and any person interested in learning about NepFin’s products and services.

By visiting the Site or using NepFin’s services, you consent to the collection, disclosure and use of your information under the terms of this Privacy Policy. We may amend this Privacy Policy from time to time by posting a revised, dated version on the Site. The revised Privacy Policy will become effective upon the date of such posting. If you use the Site or the Services following that date, you will be deemed to have accepted the revised Privacy Policy’s updated terms, including with respect to any information we previously collected about you.

INFORMATION WE MAY GATHER ABOUT YOU AND HOW WE USE IT

Information We Collect Automatically

In order to help improve the Site and our Services, we use tracking tools such as "cookies" to gather information about how the Site and Services are visited and used. Cookies are small pieces of data that are stored on your computer, mobile phone or any other device used to access the internet. Pixels are small code blocks on a website that allow for another server to measure viewing of a webpage and often are used in connection with cookies.

We use cookies to collect certain information about your visits to the Site, such as information about the device you use to access the Site (including browser type and IP address) and server log information (including the date and time of day of your visit, average time spent on the Site, browsing activity, and any site that referred you to NepFin). We use this information to better understand our visitors, facilitate Site navigation, and provide and enhance NepFin’s services. If you access the Site and our Services on your smartphone, and you allow us to obtain access to information on your phone, we may also collect information on the location of the phone, the uses made of the Site and Services, and browsing activity, so that we can provide you with an enhanced user experience with resources curated to you. Additionally, we may use a cookie and/or pixel to store anonymous information so that we may track visitor behavior across websites to better customize our marketing and advertising efforts.

Cookies, pixels, and similar technologies are not required for Site functionality. You are not required to accept any cookies or pixels to use this site. However, refusing to accept cookies or pixels will make the use of NepFin’s Site more cumbersome and less accessible. If you'd like to delete cookies or to instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser to learn how to do that:

  • For the Chrome web browser, please visit this page from Google: https://support.google.com/accounts/answer/32050
  • For the Internet Explorer web browser, please visit this page from Microsoft: http://support.microsoft.com/kb/278835
  • For the Firefox web browser, please visit this page from Mozilla: https://support.mozilla.org/en-US/kb/delete-cookies-remove-info-websites-stored
  • For the Safari web browser, please visit this page from Apple: https://support.apple.com/kb/PH21411?locale=en_US

For any other web browser, please visit your web browser's official web page.

We also may use services such as Google Analytics to learn more about Site visitor preferences and activities when using the Site or our Services. The information collected by the services, including Google Analytics, will be disclosed to or collected directly by these service providers. For more information on how Google Analytics uses data from our websites and how you can control the information sent to Google, click here. To prevent Google Analytics from using information for analytics, you may install the Google Analytics Opt-Out Browser Add-on by clicking here. Because these opt outs are cookie-based, please note that if you get a new computer or device, install or start using a new browser, or erase or alter your browser’s cookie file, you may need to opt out again.

Our Site currently does not respond to a browser’s "Do Not Track" request.

Information You Affirmatively Provide

We may also collect information that you input into our website, e.g., when you (i) register on the Site by creating an account, (ii) fill out forms or fields or otherwise provide information on the Site, (iii) complete an application for a product or service available through the Site or (iv) communicate with us by email, mail, text, telephone, facsimile or other electronic means.

User Information

If you wish to create an account with NepFin, we will need to collect certain personal information from you, including your full legal name, email address, permanent address, date of birth, Social Security number and information about financial status ("User Information"). We use this information to process and administer details of your account, to communicate with you, to provide you with opportunities, and to keep you up to date with new developments.

Business Information

If you seek to use our Services, we will need to collect certain information about the business(es) with which you are affiliated ("Business Information"), such as business name, mailing address, email address, telephone number, tax ID number, business size, business type, business incorporation date, bank account information, other financial information, marketplace account information, social network data, shipping information, accounting information and vendor service information, as well as organizational documents, financial statements, and contracts. Such information might also include others’ personally identifiable information, including, but not limited to owners’ and officers’ names, mailing addresses, email addresses, telephone numbers, dates of birth and Social Security numbers.

During the course of providing services to Users, we may collect additional information concerning you from third parties, including, but not limited to, referral partners, identity verification services or credit bureaus.

We use this information to qualify borrowers for loans and provide this information to potential investors and lenders.

We may use all of the information we collect about you for our internal business purposes, such as audits, developing new products and expanding our services, enhancing the design and functionality of the Services, and determining the effectiveness of our promotional campaigns. This may include combining your information with that of other users so that it is aggregated and no longer identifiable to you or the other users, and analyzing the combined data to infer statistical relationships, which analyses might be used to form certain hypotheses, both by us or others.

HOW WE PROTECT THE CONFIDENTIALITY AND SECURITY OF YOUR INFORMATION

We restrict access to User Information and Business Information to our employees and those individuals, agents, or vendors who need to know that information to provide products or services to you and perform their respective duties on our behalf. NepFin’s employees are trained and required to safeguard such information. We maintain physical, electronic and procedural measures to safeguard User Information and Business Information. We use computer safeguards such as firewalls and data encryption using secure socket layer technology (SSL).

You should be aware that no Internet transmission is ever fully secure or error-free. In particular, e-mail transmissions may not be secure, and you should therefore take special care in deciding what information you send to us via e-mail. Where you use passwords, ID numbers, or other special access features on this site, it is your responsibility to safeguard them from disclosure or misuse. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the "Contact Us" section below.

WITH WHOM WE SHARE USER INFORMATION AND BUSINESS INFORMATION

It is our policy not to share the User Information and Business Information we gather about you with third parties, except under the following circumstances.

  • We may provide such information to entities or individuals that perform services for us or function on our behalf, to the extent they need the information in order to carry out their assigned duties, including:

  • Entities that service us with tools, software, and online platforms to compile, use, research, analyze, and generate data analytics reports and for delivery of NepFin communications in the course of delivering our services.

  • Technical Support providers and data processing providers whose technical services include: data processing and delivery; network system, internet, and data function and security; protection of the integrity and confidentiality of NepFin systems, records, and communications; and to protect against fraud, unauthorized transactions, or other liability.

  • We may share the information with potential commercial collaborators, including capital providers, in connection with NepFin’s services.

  • We may provide the information to those with authority to receive it in limited circumstances where we believe in good faith that we are permitted or compelled by law to do so (in order to cooperate with regulators or law enforcement authorities, or in the course of financial or compliance audits).

  • We will release your information with your express consent or at your direction in order to fulfill your instructions (such as with your accountant or lawyer or anyone who represents you in a fiduciary capacity).

  • We may transfer the information we hold in the event we sell or transfer all or a portion of our business or assets (such as in connection with a merger, acquisition, reorganization, dissolution or liquidation) or take steps in anticipation of such a transaction.

  • NepFin may share User and Business Information that does not individually identify our customers with others outside of NepFin for business purposes. By using the Site, you consent to the information you give us being processed for any of the purposes we’ve explained above.

  • NepFin may share non-identifiable user information without restriction.

  • We do not disclose your User Information or Business Information to third parties for the purpose of directly marketing their goods or services to you unless you first agree to such disclosure. If you have any questions regarding this policy, or would like to change your preferences, you may contact us as provided in this Privacy Policy.

LINKS TO THIRD PARTY WEBSITES

The Site may include links to other websites or mobile applications whose privacy practices may differ from NepFin’s. The inclusion of a link to another software application or a website does not imply NepFin’s endorsement of the linked software application or website. NepFin is not responsible for any practices employed on third-party websites or applications, including the information and content contained on the website or application. If you submit information to a third-party website or application, your information is governed by the third party's privacy policy. You should carefully read the privacy policy of any website or application you visit, access or use.

CHILDREN

Our services are not directed toward anyone under the age of 18 and we do not knowingly collect any information from a minor. If we learn that we have collected such information, we will delete it.

DATA RETENTION

We will retain your information for as long as the information is needed to provide you services. If you wish to request that we no longer use your information to provide you Site services, you may contact us at unsubscribe@nepfin.com. We will nonetheless retain your information to the extent that we deem necessary to comply with our legal or contractual obligations, to resolve disputes, or for other business purposes.

UPDATING, CORRECTING, OR DELETING YOUR INFORMATION

If you would like to correct, update, or delete information you have provided to us, please contact us at legal@nepfin.com. If you would like your session information deleted from our servers, please include with your request your IP address and the date of access, or the session ID associated with your visit (which you can find in your cookies). For your protection, we may need to verify your identity before implementing your request. We will endeavor to comply with your request as soon as reasonably practicable.

INTERNATIONAL TRANSFERS OF INFORMATION

The Site and Services are controlled by us from the United States; accordingly, this Privacy Policy, and our collection, use and disclosure of information we collect about you, is governed by U.S. law, and not by the laws of any country, territory or jurisdiction other than the United States. Those who choose to access or use the Site or our Services do so on their own initiative and at their own risk, and are responsible for complying with all local laws, rules and regulations. By using the Site or our Services, you are deemed to understand and unambiguously consent to the collection and processing of your Personally Identifiable Information ("PII") in the United States, with the awareness that the laws of the United States may not provide as much protection for PII as the laws of certain other countries or territories and waive any claims that may arise under their own national laws.

CONTACTING US

If you have any questions or concerns related to this Privacy Policy or the information practices of this Site or our Services, please contact us at:

Neptune Financial Inc.
Attn: Legal Department
600 Montgomery Street, Suite 260
San Francisco, CA 94111
Tel.: (415) 524-2198
Email: legal@nepfin.com

or visit us through the "Contact Us" section of the Site.

Please note that e-mail communications are not always secure. Please do not include payment information or other sensitive information in your e-mail messages to us.