Funding Circle collects information when you use Funding Circle Services and supplied by you during the application process, including but not limited to, the following information (as applicable):
|Individual and business names|
|Phone and e-mail details|
|Bank account information|
|Date of birth|
|Social security number|
|Income, assets, debt, and other personal and business data|
|Other information provided in correspondence with us, including by email, post facsimile, and telephone|
When you use Funding Circle Services, we and our third-party service providers may utilize cookies and other similar technologies (such as web beacons or pixel tags) to capture and remember certain information. This individual and aggregate information helps us to improve your website experience, provide you with better tools, and operate our business in other ways described under the heading “Why do we collect this information” below. You have the ability to disable cookies in your browser settings; however, doing so may affect the functionality of certain features of our website.
We and our third-party service providers may also employ cookies and other similar tracking technologies that collect your information across multiple websites and over time. We use these tracking technologies to provide tailored advertising and evaluate our marketing efforts. We do not process “do not track” (DNT) signals. Our third-party service providers may also not respond to DNT signals. To the extent that they do offer an opt-out of targeted advertising, you may do so here. Third-party service providers are not permitted to use the information collected on our behalf, except to help us conduct and improve our business.
When you use Funding Circle Services, we and our third-party service providers may collect device specific information. This information, including but not limited to your internet protocol address, geographical location, browser type, operating system, length of visit, and pages viewed, is saved automatically in log files. We use the information in these files to improve the functionality of our services and in other ways described under the heading “Why do we collect this information” below.
Funding Circle may use information we collect about you to:
Your information, as collected by or provided to us, may be shared by us with other parties as provided below.
Your information may be shared:
When a loan is approved, we will make available certain information about the loan and the borrower to prospective investors. This information may include business information, business financials, loan terms, and other loan information, as shown below.
|Business Information||Loan Information|
|Business Name||Business Bankruptcy|
|“Friendly” Listing Name||Date of Business Bankruptcy|
|Years of Operation||Debt Coverage Ratio|
|Industry||Asset Coverage Ratio|
|NAICS Code||Number of Guarantors|
|Business Location–City & State||Credit Score of Guarantor|
|Business activity||Part of Franchise Network|
|State of Incorporation||Prior Loan(s) with FC|
|Number of Employees||Amortization Table|
|Business Financials||Loan Terms|
|Income Statement||Loan Principal Amount|
|Balance Sheet||Interest Rate|
|FC Credit Rating|
We will never sell or rent your personal information to any third party unless we have your consent. And, if you do consent, but later change your mind, you may contact us directly using the details described under the heading “Contacting us” below and we will stop any such activity as soon as is reasonably practicable.
While we take appropriate physical, technical and organizational measures to safeguard the personal information that you provide to us, we accept no liability if communications are intercepted by third parties, incorrectly delivered, or fail to deliver.
You have the following rights:
If you wish to exercise any of the above rights, please contact us using the details specified under the heading “Contacting us” below.
Please note that the Fair Credit Report Act (FCRA) requires each of the nationwide credit reporting agencies—Equifax, Experian, and TransUnion—to provide you with a free copy of your credit report, at your request, once every 12 months. For more information, visit: http://www.ftc.gov.
We comply with the requirements of the Children’s Online Privacy Protection Act. We do not knowingly collect personal information from children under the age of the 13. Our website, products, and services are all directed to people who are at least 13 years of age or older.
747 Front Street, Floor 4
San Francisco, CA 94111