Privacy Policy

This privacy policy ("Privacy Policy") is applicable to SiroCapital Inc. and its subsidiaries (collectively, "SiroCapital," "we" or "us"). At SiroCapital, we consider the privacy of our clients, customers, and users of our website and services (collectively, “Users” or “you”) to be extremely important. In this document, we describe how SiroCapital collects, uses, and discloses the information we collect from you and about you when you browse our website (“Website”) or use our finance products and online services (“Services”).

Our objective is to provide you with transparent and accessible information about our information collection practices and your privacy choices. The following links can assist you in navigating this privacy policy.

1. Types of Information CollectedIn connection with your use of our Website and Services, we collect the following types of information:

• Personally Identifiable Information (“PII”) refers to any information that identifies or can reasonably be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to, name, address, phone number, fax number, email address, financial profiles, social security number, FICO scores, and credit card information. PII does not include information that is collected anonymously (that is, without identification of the individual user) or demographic information not connected or reasonably connectable to an identified individual. In this Privacy Policy the term PII may be used to specifically identify an individual business owner, principal, business representatives, loan applicants, or Website visitors.
• In the U.S., federal law requires SiroCapital to collect and verify beneficial ownership information of our Customers. In addition, if you make payments through the Services, SiroCapital may also collect information, such as payments or invoicing information including name, postal and email addresses, or phone number. Certain information may not be personally identifiable when standing alone but may become so when combined with other information. As a rule, SiroCapital does not collect PII when you visit our Website, unless you choose to provide such information or use Services that necessitate the need to collect that information.
• Computer and other Technical Information When you use our Website, we automatically collect information relating to your computer, mobile device and other information associated with the device you use to access the Services, including: download, use and access information for mobile applications or mobile-optimized sites; IP address or other unique identifiers that are automatically assigned to your computer, mobile or other device used to access the Website; the type of browser you are using; the third-party website from which your visit originated; the operating system you are using; the domain name of your Internet service provider; the search terms you use on our Website; the specific areas within our Website or Service that you visit; and/or the time of day and duration of your visits, internet connection, referring/exit pages, clickstream data, and information that you search for using the Services. This information can be used to identify you and is considered PII.
• Business Information means information regarding businesses and their principals that use or otherwise access the Services, including: business name, address, email, and telephone number, company structure, industry type, incorporation date, annual revenue, bank account information, marketplace account information, payment information, business social network data, accounting information, vendor usage information, information regarding our transactions and experiences with the business, information regarding business principals and beneficial ownership information (collectively, “Business Information”). Business Information may also include information about your customers if collected in connection with your use or access of the Services. Use of our Business Finance Services is governed by our Terms of Service and Business Finance Terms and Conditions.

2. Methods of Collecting Your InformationThe information we collect about you depends on how you use our Services, and if your business becomes an enterprise customer.

• Information Provided by You. We may collect information from you when you register or use the Services. For example, we may collect PII, user information, and Business Information from you when you register an account on the Sites, fill out forms or fields on the Sites, or complete an application for a product or service available through the Services. We may also collect any information when you communicate with us through email, mail, text, telephone, facsimile, or other means.
• Information Collected when You Use Services. As noted above, we automatically collect PII from your computer, mobile device or other PII associated with your device you use or access the Services (including downloading and using a mobile application or accessing a mobile optimized Site). We may collect PII when you view content about the Services on a third-party website or open emails or links in email communications from us. We, our business partners, or our service providers may use cookies, web beacons, pixel tags, and other similar technologies which collect information when we provide you with Services.
• IP Address. An IP address is a number that is assigned to your computer, mobile or other computing device whenever you are surfing the Internet. Web servers (computers that “serve up” web pages) automatically identify your computer or other computing device by its IP address. When users request pages from our Website, servers may log their IP addresses. SiroCapital may collect IP addresses for the following purposes, among others: system administration, to report non-personal aggregate information, and to track the use of the Website. IP addresses that are associated with your computing devices, mobile phones, or other devices are PII.
• Cookies. Cookies are small text files containing a string of alphanumeric characters. When you visit the Service, we or our analytics providers may send one or more cookies - a small text file containing a string of alphanumeric characters - to your computer that uniquely identifies your browser and lets SiroCapital help you log in faster and enhance your navigation through the site. We may use both session cookies and persistent cookies.
• Session Cookies: A session cookie disappears after you close your browser.
• Persistent Cookies: A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to the Services. A cookie may also convey information to us about how you use the Service (e.g., the pages you view, the links you click and other actions you take on the Service), and allow us to track your usage of the Service over time. A persistent cookie remains on your hard drive after you close your browser. Persistent cookies may be used by your browser on subsequent visits to the site. Persistent cookies can be removed by following your web browser's directions.
• Clear GIFs, Pixel Tags, and Other Technologies. Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web pages. We may use clear GIFs (a.k.a. web beacons, web bugs, or pixel tags), in connection with our Site to, among other things, track the activities of Site visitors, help us manage content, and compile statistics about Site usage. We and our third-party service providers also use clear GIFs in HTML emails to our customers, to help us track email response rates, identify when our emails are viewed, and track whether our emails are forwarded.
• Local Storage Objects. We may use Flash Local Storage Objects (“Flash LSOs”) to store your Site preferences and to personalize your visit. Flash LSOs are different from browser cookies because of the amount and type of data stored. Typically, you cannot control, delete, or disable the acceptance of Flash LSOs through your web browser. For more information on Flash LSOs, or to learn how to manage your settings for Flash LSOs, go to the Adobe Flash Player Help Page, choose “Global Storage Settings Panel,” and follow the instructions. To see the Flash LSOs currently on your computer, choose “website Storage Settings Panel” and follow the instructions to review and, if you choose, to delete any specific Flash LSO.
• Log file information. Log file information is automatically reported by your browser or mobile device each time you access the Service. When you use our Service, our servers automatically record certain log file information. These server logs may include information such as your web request, Internet Protocol ("IP") address, browser type, referring / exit pages and URLs, number of clicks and how you interact with links on the Service, domain names, landing pages, pages viewed, and other such information.
• Location data. If you choose to allow us access your location data when you access the Services, we may access, collect, monitor and/or remotely store "location data," that may include GPS coordinates (e.g. latitude and/or longitude) or similar information regarding the location of your device. Location data may convey to us information about how you browse or use the Service. Some features of the Service, particularly location-based services, may not function properly if use or availability of location data is impaired or disabled.
• Email Communications. If you send us an email with questions or comments, we may use PII to respond to your questions or comments and save your questions or comments for future reference. For security reasons, it’s not recommended that you send non-public personal information to SiroCapital by email. We may send you emails containing newsletters, promotions, and special offers. If you do not want to receive promotional messages, you will be given the option to opt-out. We also use your information to send you Service-related emails (e.g., account verification, purchase and billing confirmations and reminders, changes/updates to features of the Service, technical and security notices). You may not opt out of Service-related e-mails.
• Information Received from Third Parties. The Services allow us, upon your direction, to obtain user information and Business Information from third party entities that your business maintains accounts with such as financial institutions, service providers, referral partners, identity verification services, card networks, vendors, mailing list providers, consumer reporting agencies, commercial credit bureaus and associations, fraud prevention agencies, and publicly available sources including social networking services. We may combine this information with information we already collected from you or about you.

3. Use of InformationThe information we collect about you is used for a variety of purposes including but not limited to providing, maintaining, and improving our Services, personalizing the user experience, contacting you, and marketing our Services. Please refer to the full policy for further details.
4. Sharing of Your InformationWe will not rent or sell your information to third parties outside SiroCapital and its group of affiliated companies (including any parent, subsidiaries, and affiliates) without your consent, except as noted below. We may share your information as described in the full policy.
5. How We Store Your InformationYour information may be stored and processed in the United States or any other country in which SiroCapital or its subsidiaries, affiliates, or service providers maintain facilities. Please refer to the full policy for more details.
6. Security of Your InformationWe use commercially reasonable safeguards to preserve the integrity and security of your information. However, we cannot guarantee the security of any information you transmit to us.
7. California Privacy Data Use DisclosureCalifornia law grants California residents certain rights as described in the full policy.
8. Protecting ChildrenWe do not knowingly collect information from children under the age of 18.
9. Your Choices About Your InformationYou control your account information and settings, and can opt out of receiving promotional emails. Please refer to the full policy for more information.
10. Links to Other Web Sites and ServicesWe are not responsible for the practices employed by websites or services linked to or from the Service.
11. How to Contact UsIf you have any questions about this Privacy Policy, you can contact us at privacy@SiroCapital.com.
12. Changes to Our Privacy PolicyThe Privacy Policy is revised on an annual basis to reflect changes in our business and practices.

‍