Effective Date: September 1, 2022
Your Privacy: Overview
If you use our Site in a manner contrary to the terms and conditions of this Policy, or the laws, regulations, treaties and legal requirements of any applicable jurisdiction, or in contravention or violation of any applicable law or rule that applies to you in your country, community or governing jurisdiction (the “Law”), you do so at your own risk and in any such instance of use, YOU, not we, are responsible for compliance with the Law.
By using the Site, you agree to this Policy. If you do not agree to this Policy, do not use the Site.
This Policy does not apply to other entities’ websites that are not controlled or operated by Edge, even if Edge provides links to those websites.
Types of Data We Collect
We collect and retain all information provided to us and concerning or related to your business or businesses accessing our Site including your identifiable business information (meaning any information that identifies or is identifiable to your business, profession or activity)(collectively “business information”). This includes information entered online or otherwise submitted to us by you in connection with your business and/orwith the products or services offered by your business.. We also collect, and you agree by your use of the Site that we may collect, business information about your business from third parties, including business owners and principals, creditors, vendors and suppliers, and from public records such as business registrations, Uniform Commercial Code filings, patent and trademark filings, and bankruptcy filings. Where a user submits a Contact Us or Get a Quote request, the business information that we collect includes, but is not limited to the following :
- Company and business professional contact information, including name, title, address, phone number, fax number and e-mail address;
- Information regarding capitalization, ownership, revenue, profitability, debts, assets, liabilities, taxes, inventory, general depreciation, cash flow, fixed assets, accounts receivable, net worth and business relationships;
- Information regarding real estate owned or leased by the company
- Information about insurance coverage and risk management planning
- Company profiles and statistics, including number of employees, salary information, benefits information and positions;
- Information regarding your company’s management, such as the educational and career histories of company principals;
- Company operational histories, including territories, subsidiaries, affiliates and lines of business;
- Information regarding company’s intellectual property (e.g. types of patents, trademarks);
- Trade and business credit information, including payment histories and patterns; and
- Business professional data as it relates to professional lives, such as name, company title, business contact information and trade associations.
Personally Identifiable Information
We may collect information that can be used to uniquely identify, contact, or locate a single individual (as opposed to a business, profession or activity) or can be used with other sources to uniquely identify a single individual. We will only collect this information if it is necessary to fulfill or provide a product or service, and we will only use this information for the limited, permissible purpose for which it is collected, and for no other purpose. Further, we will take commercially reasonable steps to secure the information.
Non-Personally Identifiable Information
We may also collect non-personally identifiable information in connection with the operation of the Site or as otherwise disclosed herein, including IP addresses, browser types, HTTP request headers, browser or operating system information, publicly available third party data associated with your business, and data on advertisements or links on which you click. We routinely use this information in the aggregate in order to administer and improve our Site. While some of this data may be traceable to an individual, we only use this information to identify specific individuals whom we believe are using our Site for improper purposes.
Where you provide Edge any personally identifiable information, business information, or other non-personally identifiable information, you are representing and warranting that you have the right and authority to provide such information.
Types of Data We Collect Through Technology
Accessing the Site may result in the placement of a “cookie” or flash object on your computer by Edge or third party advertisers. This is done for such purposes as, enabling you to use our Site, for security purposes, to make your repeated experience more convenient, to maintain your authentication, to produce usage statistics, for debugging purposes, to allow third parties to deliver targeted advertising to you when you visit our Site or third party websites, and to compile and analyze user information.
Cookies are small pieces of information that a website sends to your computer’s hard drive while you are viewing a website. Edg may use both those cookies which expire once you close your browser and those which stay on your computer until you delete them. You have the ability to accept or decline cookies, by changing your web browser’s settings. If you disable your cookies, however, you may not be able to access the Sites.
Edge’s Use of Data
Edge may use your information to improve our service offering; track and analyze system and site performance; enhance our algorithm; or record trends, data elements, and user or site behavior.
Edge may use your information to provide you with information, products or services requested by you or your advisor; and to enforce our terms and agreements with you or to otherwise effectuate our rights and remedies under applicable law or to protect Edge the Site, or Site users from actual or threatened harm.
Edge may disclose all data and information you provide in connection with a sale or transfer of Edge, so long as the recipient agrees to be subject to the terms of this Policy.
Edge makes a concerted effort to restrict access to your information to those individuals who have a need to know that information to provide information, products or services to you, and to maintain physical, electronic, and procedural safeguards to guard your information.
Edge reserves the right to disclose your information (i) if required to do so by law or legal process, or otherwise requested by any law enforcement officer or agency acting under the color of law; (ii) if necessary or appropriate to protect or defend the rights or property of Edge; or (iii) if necessary or appropriate to act in urgent circumstances to protect the safety or security of the public or of users of Edge’s products, services, and/or the Site.
Edge uses the information we collect to track, compile, and analyze business information for the purposes of evaluating the creditworthiness of your company and that of future prospects and for prospecting potential new borrowers. This analytics information, as well as aggregated usage and other aggregated data, and volume analytics, use and similar statistical information, from and about our users is the property of Edge and as such may be used by Edge.
Edge will not disclose, license, transfer, sell, use, and/or otherwise share any data and information you provide us with the public generally but has the right to disclose any and all information with Edge-affiliated businesses.
Edge may also use your information and data for, but not limited to, the following purposes: (i) to improve the products and services offered or provided through the Site; (ii) to troubleshoot problems with the Site; (iii) to customize your experience or homepage on the Site; (iv) to enable you to display certain information in or in association with your user profile on the Site; (v) to enhance or improve your user experience; (vi) to enforce our terms and agreements with you or to otherwise effectuate our rights and remedies under applicable law or to protect Edge, the Site, or Site users from actual or threatened harm; or (vii) to contact you with more information about the Site, Edge, Edge’s affiliated companies and partners, or Edge products and services.
Unfortunately, no security system or system of transmitting data over the Internet can be guaranteed to be 100% secure. As a result, while we undertake commercially reasonable efforts to protect your information, we cannot guarantee the security of our servers, the means by which information is transmitted between your computer and our servers, or any information provided to us or to any third party through or in connection with the Site. You provide all such information entirely at your own risk.
Choice and Opt-Out Preferences
You may receive email communications from Edge and third parties relating to the Site or other products or services. You will have the ability to unsubscribe from marketing communications by means of a link provided in any such emails that are sent to you by Edge. Any email opt-out shall not apply to emails permitted by applicable law, such as messages relating to any transaction you have requested or your relationship with us.
As discussed above, you may also opt-out of having information collected by or shared with third parties, such as for the purpose of serving targeted advertisements, by contacting us at firstname.lastname@example.org for more information or to opt-out. Additionally, if, at any time after using the service, you change your mind about allowing your information to be shared with third parties, please send us a written request specifying your new choice, and we will make every effort to accommodate your new choice within 30 calendar days of receipt of your request.
Access to your Information
At your request, where the law requires us to do so, Edge will confirm what personal information we have about you, provide you with information about the ways in which the personal information may have been used or disclosed during the past year, update your information, remove your information, and/or correct any inaccuracies in such personal information. We will make every concerted effort to respond to your request in a timely manner.
Your Acceptance of this Policy and Revisions to this Policy
Edge reserves the right to update and revise this Policy at any time. We will notify users if we have made any material modifications to this policy at the email address provided. You can determine if this Policy has been revised since your last visit by referring to the “Effective Date of Statement” date at the top of this page. Your use of the Site constitutes your acceptance of the terms of this Policy as amended or revised by us, and you should therefore review this Policy regularly to ensure that you are aware of its terms.
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