TOP OF PRIVACY POLICY

C.B.A.C., also known as Cooperative Business Assistance Corporation, is The Beacon for Small Business Lending

PRIVACY POLICY

Cooperative Business Assistance Corporation (CBAC)

Privacy Notice

Welcome to the cbaclenders.com website (the “Site”) provided by Cooperative Business Assistance Corporation, a.k.a. CBAC (“we,” “our,” or “us”). At CBAC, we are committed to protecting your privacy as a visitor to this Website and as our customer. CBAC never sells information about our clients to any entities, including third parties. This Privacy Notice applies to the access and use of our Site and describes the types of information we collect from our Site or that you provide to us through other means, how we may use that information, to whom and under what circumstances we may disclose it, and how we protect it. By using this Site or voluntarily providing personal information to us, you consent to the terms of this Privacy Notice.

Do Not Sell (DNS) is a privacy preference option that users can select in CBAC’s Website by clicking on the Do Not Sell link that displays in a pop-up box, located in our Website footer, which appears on every Website page. Clicking on this link allows users to opt-out of all tracking cookies and data collection within the scope of our control - please see below for more information. Whether you choose to opt out of tracking information or not, CBAC never sells information about our clients to any entities, including third parties. If you do not agree to this notice and related options, please do not use this Site.

Information Collection

a. Information Collected Automatically (through the Website)

Each time you visit the Site, we may automatically collect certain types of information. Some examples of automatic information we may collect are as follows:

Location and Device Identifiers, including, but not limited to: your IP address, browser type, operating system, type of computer, the specific webpages visited during your connection, and the domain name from which you accessed the Site.
Information about your browsing behavior, such as the date and time you visit the Site, the areas or pages of the Site that you visit, the amount of time you spend viewing the Site, the number of times you return to the Site, and other clickstream data.
We use “cookies” of different types to recognize your computer. A cookie is a piece of data stored on a visitor’s hard drive while visiting this Website. We may utilize a short-lived form of cookie when you visit this Site. While using CBAC’s Website, a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is a period of active site use while that unique visitor is linked to our server. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during any applicable enrollment processes. The cookie expires and is deleted from the visitor’s computer as soon as they close their browser or if they are not actively browsing our Website for more than 20 minutes. Should a previous visitor to our Website return for a new session, they will be issued a new cookie, and in no way will they be recognized as a visitor from a previous visit or session. If you reject cookies, you might not be able to participate in certain activities or receive a promotion tailored to you. The Site does not control and does not guarantee the effectiveness of browser-based tools for managing cookies.
We may use web beacons, match scripts, pixel tags, or similar technologies that allow us to know if a particular web page was visited, an e-mail opened, or links in the e-mail utilized. In some instances, these technologies may allow us to match activities with particular users.

b. Information You Give to Us

We may collect information, such as your first and last name, e-mail address, postal address, telephone number, financial and employment information that you provide when you interact with us either through the Website or in other business activities with our organization. Some examples are when you:

Apply for financing;
Provide an investment;
Apply for an open position;
Sign up to receive a newsletter or e-mail communications from us;
Register for or attend one of our events;
Correspond or communicate with us by phone, e-mail, or otherwise;
Complete a survey; or
Use social media to interact with us or share something from our Site with others. Note: We will receive information about what you share and other details that may be based on your social media privacy settings.

Use of Information Collected

We may use information about you for purposes described in this Privacy Notice or disclosed to you on the Site. For example, we may use information about you:

To help improve the content and functionality of its Website;
To better understand its customers and markets;
To improve its products and services;
To contact you in the future to tell you about CBAC’s products or services that it believes will be of interest to you, for example, our e-newsletter. To opt-out of receiving future communications from CBAC after submitting your information to us using the sign-up link, please send an e-mail request to info@cbaclenders.com;
To create a statistical analysis of users’ behavior;
To notify you about updates to the Site;
To respond to your inquiries;
To take other actions in response to your inquiries or other website activities; or
To monitor activity on the Site using Google Analytics.

To learn how Google Analytics collects and processes data, please visit: “How Google uses data when you use our partners’ sites or apps” located at https://policies.google.com/technologies/partner-sites.

In addition, should you become a client or investor, CBAC will use your personal data and/or your organization’s data to answer questions or to comply with the information required as part of financing or investing, including credit reviews, Office of Foreign Assets Control (OFAC) checks, and other requirements to meet both internal and external requirements. If you have any questions about our use of your private information, please contact us at info@cbaclenders.com.

Sharing or Disclosure of Your Information

Unless otherwise agreed, we will not sell, rent or disclose any personally identifiable information to any third-party not specifically authorized by you to receive your information, except as we have disclosed in this notice. Additional exceptions are as follows:

CBAC works with business partners who support us, as well as outside service providers such as Wix.com and others to facilitate the Site and overall operation, and to perform functions on our behalf, such as to aid in obtaining you the financing or investments requested, monitoring visitors to our Site, sending postal mail and e-mail, analyzing data and providing customer service. These third parties may have access to your personal information as needed to perform their functions, but they may not use it for any other purpose.
In the unlikely event that a division or part or all of CBAC is bought, sold, or otherwise transferred; or is in the process of a potential transaction, your information will likely be shared for evaluation purposes and included among the transferred assets.
To the extent necessary to comply with applicable laws or valid legal processes, such as in response to subpoenas or court orders.
To protect the rights and intellectual property of CBAC and our government and private industry partners.
To investigate, prevent or take action regarding illegal activities, suspected fraud, violations of our policies, or otherwise required by law.
In urgent circumstances to protect CBAC or the personal safety of any individual.

External Links

a. CBAC Affiliated Links

Our Site contains links to external agencies, organizations, and other entities that have agreements or relationships with CBAC or the external entities with whom we have these agreements or relationships. These links are made available to you as a convenience, and you agree to use these links at your own risk. Please be aware that CBAC is not responsible for the content of these websites, nor are we responsible for the privacy notice or practices of their websites. Our Privacy Notice only applies to information we collect from you while visiting and actively interacting/in-session with CBAC. If you choose to link to another website from CBAC’s Website, we strongly encourage you to review and become familiar with that Website’s privacy notice.

b. Third-Party Links

The Site may contain links to third-party websites that CBAC does not control, as previously mentioned. These third-party links are made available to you as a convenience, and you agree to use these links at your own risk. Please be aware that CBAC is not responsible for the content of third-party websites linked to CBAC, nor are we responsible for the privacy notice or practices of third-party websites linked to CBAC. Our Privacy Notice only applies to information we collect from you while visiting and interacting/actively in a session with CBAC’s Website. If you choose to link to a third-party website from our Website, we strongly encourage you to review and become familiar with that Website’s privacy notice.

Data Security

We use industry-standard techniques on the Site to help to protect any personal information you have provided to us from loss, misuse, or alteration. However, please be aware that no method of electronic storage can ever be 100% secure. Therefore, as is the case with any organization, we cannot guarantee the absolute security of your information. In this regard, we urge you to take every precaution to protect your data while you are on the Internet.

Social Media

We maintain a social media presence on the following platforms: Facebook (Meta), LinkedIn, Instagram, Twitter, Alignable, Yelp!, and Google. You can interact with us through social media, such as posting content, sharing material from our Site, and using our social media plug-ins. When you interact with us using social media, we may receive information such as your user ID, profile picture, photos you post, and similar information, often determined by your privacy settings on those individual social media sites. We may use the information for the same types of purposes we describe throughout this Privacy Notice. Your use of social media sites is primarily governed by the sites’ Privacy Policies and Terms of Service. The information you share with us and others is controlled mainly by the privacy settings you have established with those sites.

Children’s Privacy

Under Age 13

Our Site is not specifically directed toward children, and we do not knowingly collect personal information from persons under the age of 13 on our Site without verifiable parental consent. If we learn a child under the age of 13 submitted personally identifiable information (PII) online without parental consent. If that happens, we will take all reasonable measures to delete such information from our databases and not use such information for any purpose (except where necessary to protect the child’s safety or others as required or allowed by law). If you become aware of any personally identifiable information we have collected from children under 13, please contact us at info@cbaclenders.com.

Under Age 18

Minors under 18 years of age may have the personal information they provide to us through the Site deleted by sending an e-mail to info@cbaclenders.com requesting deletion. It is important to note that while we make reasonable efforts to comply with such requests, deletion of your personal information does not ensure the complete and comprehensive removal of that data from all systems, as noted in our Cookie Settings policy.

Do Not Sell or Track

CBAC never sells information about our clients to any entities, including third parties. Do Not Sell (DNS) is a privacy preference option that users can select in CBAC’s Website by clicking on the Do Not Sell link that displays in a pop-up box, located in our Website footer, which appears on every Website page. By choosing this option, users will opt-out of all tracking cookies and sharing of information that are within the scope of CBAC's control. We offer this option in addition to the Cookie Settings link, which pops up when accessing our Site, appears on every page on our Site, and can be amended at any time.

Your California Privacy Rights (Not Applicable)

CBAC does not provide products or services in the State of California. In the event of an extremely rare exception or unplanned, future change in our service area, California residents who provide personal information in obtaining products or services for personal, family, or household use are entitled to request and obtain from us once a calendar year information about the customer information we shared with third parties for their own direct marketing purposes, including the categories of information and the names and addresses of those businesses with which we have shared such information. We do not currently share the personal information of California residents, or any residents of any State, with third parties for their own direct marketing purposes. However, if you have further questions about our privacy practices and compliance with California law, if it becomes applicable, please contact us as explained below.

Changes To Our Privacy Notice

We reserve the right to change this Privacy Notice without providing you advance notice of our intent to make the changes.

If you have any questions or concerns regarding this Privacy Notice or wish to contact us by phone or postal mail, our contact information is as follows: info@cbaclenders.com.

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