DRIP CAPITAL, INC. PRIVACY POLICY

Drip provides lines of credit which can be used to pay for raw material, inventory or other short term needs and help small businesses fulfill customer orders. These lines of credit can help you grow your business and take on orders from larger buyers.

This Privacy Policy describes the information that Drip Capital Inc. and its affiliates (“Drip Capital”) collects about you, how we use and protect this information, and the choices you can make about how we use this information. This policy applies to information, including any information that can be used to identify an individual (“Personal Information”), collected about you by Drip Capital in different methods, including via the website. Your privacy matters to us, so please get to know our privacy practices and contact us with any questions.

Collection of Personal Information

Personal information includes any information that you choose to provide to us as part of registering for an account, or beginning or completing a loan application. This will include information such as your name, telephone number, address, date of birth, social security number, bank account information, credit card number, etc. Besides any information you may directly provide, you may give us authorization to access Personal Information from third parties.

In addition, we may also collect information when you use our products or services, such as the search queries you use, how you use the services we provide, and the types of requests you make.

We use information collected from cookies and other technologies, such as beacons, tags and scripts to improve your user experience and the overall quality of our services. These technologies are used in analyzing trends, administering the Website, tracking users’ movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

Use of Personal Information

In general we will use the Personal Information that you share for the purpose for which the information was provided, for providing you with information that you have requested or may relate to your request, for informing you about services that you may be interested in, or to improve the WebSite and services we offer customers. Our use of your Personal Information may include, without limitation, the following:

  • Register you as a user and identify you when you log in
  • Review and process your application for one or more loan products
  • Inform you of various loan product options that may be of interest
  • Communicate regarding account information, wire transfers, customer service requests, marketing communications, etc
  • Obtain maintain, improve, and provide to you the Service and to conduct our business
  • Produce data analytics and reports containing anonymized summaries of Personal Information and other information that is not Personal
  • Information (such information, “General Information”) that we share with business partners. General Information may include Personal Information that has been aggregated, anonymized and will not identify you

Disclosure of Personal Information

Personal Information may be disclosed in limited circumstances, including, but not limited to, meet any applicable law, regulation, legal process or enforceable governmental request, enforce applicable Terms of Service, including investigation of potential violations, detect, prevent, or otherwise address fraud, security or technical issues, to protect and defend the rights or property of Drip Capital, or in an emergency threatening an individual’s life, health, or security.

We reserve the right to disclose your personal information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.

We rely on third-party service providers to perform a variety of services on our behalf, such as hosting our website. In so doing, we may need to share your Personal Information with them. We provide our service providers with only the Personal Information they need to perform their services and we require that they protect this information and not use it for any other purpose. We may supplement your personal information with information from third parties.

Tracking; Cookies; Opt Out of Tracking

Drip Capital may automatically collect non-Personal Information relating to such matters as the total number of visits to this website, the number of visitors to each page of this website, the Internet Protocol (IP) addresses of our visitors, and the time spent on this website. We may use this information, which is collected in and remains in aggregate form, to understand how our visitors use this website so that we can improve it. We may also use your IP address to help diagnose problems with our servers and for purposes of system administration. From time to time, we may share aggregated, non-Personal Information with our agents, business partners, consultants, or other third parties.

Some non-Personal Information may be collected through cookies. Cookies are used by most major websites. A cookie is a text file stored on a user’s computer hard drive containing information about the user. Cookies can enable us to track the interests of our users to enhance their experience on this Site and to deliver content specific to a user’s interests. We may place a cookie in the browser file of your computer when you visit this website. These cookies are generally not linked to Personal Information. If you request that the Website store your username and/or password, the cookie will be linked to your username and/or password, and hence will track your navigation path around the Website.

You may delete or decline the cookie using the tools in your web browser. Although you may still use this website without the cookie, some parts of the website may not work properly for you.

Information Transfer

Your Personal Information may be transferred to, stored, and processed in a country other than the one in which it was provided. This may include the United States. When we do so, we transfer information in compliance with applicable data protection laws. And, we take steps to protect Personal Information in whatever country it is stored in or transferred to. We have procedures and controls to help ensure this.

Security

We are committed to keeping Personal Information secure, and have implemented generally accepted industry standards of technical, administrative and physical procedures to protect Personal Information. We also limit access to Personal Information to those who have a business need. When we provide your Personal Information to our subsidiaries, trusted business partners, affiliates, vendors or service providers, we require those companies to protect the information and not to use the information for any other purpose. Nevertheless, although we have tried to create a secured and reliable website, the confidentiality of any communication or material transmitted to or from this website cannot be guaranteed. We urge you to exercise caution when conveying Personal Information over the Internet. When disclosing any Personal Information, you should remain mindful that such information might be accessible by the public and, consequently, may be collected and used by others without your consent. You should also recognize that your use of the Internet and this website is solely at your own risk. The security of your personal information is important to us. When you enter sensitive information (such as credit card number and/or social security number) on our forms, we encrypt that information using secure socket layer technology (SSL). Please note that your access to your personal information is through a unique ID and a password selected by you. To protect the confidentiality of this information, do not share this with anyone. You are responsible for all uses of the Website by anyone using your unique ID and password. Please let us know immediately if you believe your username or password has been compromised.

Third Party Websites and Features on dripcapital.com

As a convenience to you, Drip Capital may provide links from this website to other websites maintained by independent third parties. We are not responsible for the privacy practices of independent third parties. We encourage you to be aware when you leave this website, and to read the privacy policies of any other websites that you may visit. Our Web site includes Social Media Features, such as the Facebook log in or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Changes

Our Privacy Policy may change from time to time. We will post any privacy policy changes on this page.

Contact Us

If you have any questions regarding our privacy practices or would like to review or update your Personal Information, you may contact us at our corporate address: or send us an e-mail to contactus@dripcapital.com.

Effective Date: March 1, 2015