SpendCapital is committed to safeguarding your privacy. This Privacy Policy (this “Policy”) describes how SpendCapital may collect, use, share, and keep information about you and what choices you have. This Policy applies to SpendCapital’s websites, apps, or online offerings (collectively, the “Website”), and will be available by link on all sites and offerings which it covers. You should review the applicable privacy policy available.

SpendCapital reevaluates this Policy on an ongoing basis and reserves the right to change its Policy at any time in its sole discretion. All changes to the terms of this Policy shall be effective as of the date on which they are posted on the Website.

Your use of the Website or offerings covered by this Policy constitutes your consent to the practices described herein.

SpendCapital collects information and data about you and, if applicable, your companies in a continuous effort to improve your experience and to communicate with you about its products, services, and promotions. SpendCapital may collect such information as your name, e-mail and postal addresses, credit card numbers, and other personally identifying information that you provide to SpendCapital (hereinafter, collectively “Information”). SpendCapital may, from time to time, append data from other sources to supplement the Information you provide to enhance the information SpendCapital provides to you.

You can update or delete your personal information on the Website by sending an e-mail to hellospendcapital.com. If you wish to make any such changes or deletions, you should be sure to include your e-mail address, full name, and password, if applicable.

USE OF INFORMATION

SpendCapital may use the Information collected on or from the Website to enhance and personalize your experience with SpendCapital. SpendCapital may also collect e-mail addresses at various locations within the Website, including at such time when you register on the Website, in order to send you any necessary e-mail messages related to your services.

SpendCapital may gather date, time, information about a user’s browser and system or device configuration and capabilities, navigation history, and IP address for all visitors to the Website to monitor and track Website use and traffic patterns in order to provide a more personalized experience on the Website. SpendCapital may use this information for its internal security audit log, for trend analysis and system administration, and to gather broad information about its audiences. However, SpendCapital does not routinely link IP addresses to anything that identifies you as an individual.

SpendCapital may also use cookies and other commonly used data collection technologies on the Website and in its newsletters and e-mails to collect information on both an aggregate and individual basis.

In addition to the above, we may use the following technologies to automatically collect information about your activities on our websites: cookies, flash cookies, web beacons, clear pixels, or pixel tags, web server logs, and geo-location technologies.

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Website to:

• Administer sweepstakes, promotions, and contests;
• Assist law enforcement and respond to subpoena;
• Compile anonymous statistical data and analysis for use internally or with third parties;
• Create and manage your account;
• Deliver targeted advertising, coupons, newsletters, and other information regarding promotions and the Website to you;
• Email you regarding your account;
• Enable user-to-user communications;
• Fulfill and manage purchases, orders, payments, and other transactions related to the Website;
• Generate a personal profile about you to make future visits to the Website more personalized;
• Increase the efficiency and operation of the Website;
• Monitor and analyze usage and trends to improve your experience with the Website;
• Notify you of updates to the Website;
• Offer new products, services, mobile applications, and/or recommendations to you;
• Perform other business activities as needed;
• Prevent fraudulent transactions, monitor against theft, and protect against criminal activity;
• Process payments and refunds;
• Request feedback and contact you about your use of the Website;
• Resolve disputes and troubleshoot problems;
• Respond to product and customer service requests;
• Send you a newsletter;
• Solicit support for the Website;
• Sell to financial institutions and credit companies.

SECURITY

SpendCapital uses reasonable administrative, technical, and physical security measures to protect your information. Because of the constitution of the Internet, however, the rules of data protection and the security measures mentioned above may not be observed by other persons or institutions beyond SpendCapital’s control. Especially unencrypted data – even if sent via e-mail – can be read by third parties. SpendCapital has no technical influence to avoid this. You have the responsibility to protect the information you provide, especially user name and passwords, from misuse, whether by encryption or other means.

OTHER IMPORTANT INFORMATION

SpendCapital may collect, store, and process information on servers around the world, and may access that data globally.

The Website contains links to other websites not owned by SpendCapital. SpendCapital does not control the content or privacy practices of those sites.

SpendCapital recognizes that it must maintain and use customer information responsibly. In that regard, SpendCapital reserves the right to disclose information about you to: (A) vendors that work on SpendCapital’s behalf; (B) advertisers and investors for the purpose of conducting general business analysis or for marketing purposes, as permitted by law; and (C) to the following third parties, if SpendCapital has a good-faith belief that such disclosure is reasonably necessary: (i) to be made to law enforcement to comply with a court order, ongoing judicial proceeding, or other legal process served on SpendCapital; (ii) to exercise SpendCapital’s legal rights or to defend against legal claims; (iii) to protect human safety or SpendCapital’s networks or property; or (iv) as part of a merger or sale of SpendCapital’s business assets.

We may use or disclose personally identifying information if we have a good-faith belief that the disclosure is reasonably necessary (a) to satisfy applicable law, regulation, legal process, or enforceable governmental request, (b) to enforce agreements we have with you, (c) to address fraud or security issues, or (d) to protect against harm to the rights, property, or safety of the Publisher, or our employees or customers.

SpendCapital’s Website and offerings are directed to entities and/or individuals in their business and professional capacities. They are not intended for children under thirteen (13) years of age. SpendCapital does not knowingly solicit data online from, or market online to, children under the age of thirteen (13) years. In addition, children under the age of thirteen (13) years are not permitted to submit any personal information to SpendCapital or the Website.

CONTACT

For questions regarding this Policy, practices of the Website, or any other transaction issue, please send an e-mail to   hello@spendcapital.com.

If you feel that SpendCapital is not following this stated Privacy Policy, please contact us through the above e-mail link.