Introduction
Sunset Financial Group, LLC (“SFG”) and its affiliates, respect your privacy and are committed to treating and using personal information (as defined below) about you responsibly.
This Online Privacy Policy (“Policy”) explains SFG’s online practices to collect, use, and share personal information from or about you except as otherwise provided in this Policy. This Policy applies both to any SFG site and/or mobile application that links to this Policy (such sites and/or mobile applications, and all activities thereon, constituting “the Services”). This Policy applies regardless of what computer or device (“computer”) you use to access the Services.
Throughout this Policy, we refer to personal information that can directly and without additional information identify you or your accounts as “personal information.” “Personal information” includes information such as your name, address, email address, or phone number, and other information that is not otherwise publicly available (such as your date of birth, Social Security number, and financial information). Please read this Policy carefully. When you visit this site, you consent to the terms of this Policy and the information described herein.
Any dispute related to this Policy will be governed by our Terms of Use.
USA PATRIOT Act Section 326 compliance: When you open an account with us, we will ask for your name, address, and other identifying documents such as your driver’s license, that will allow us to identify you. We do this to help the government fight the funding of terrorism and money laundering activities. U.S. federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
Personal information we collect
This site may be accessed without creating an account. While you are encouraged to create an account, you are not required to do so and may submit a credit application as a guest without creating an account. We collect personal information from you in order to verify your identity and identify you as a business owner or guarantor of our potential customer or customers, establish and manage customer accounts (including collection activity), complete customer transactions, and understand our customers and their needs. We also collect this information to improve how we market products and services, learn about our markets and design, and improve our products and services. Furthermore, the collection of this information helps us to comply with legal and regulatory requirements, and protect the rights, property or safety of SFG, its employees, customers, visitors to Services, and others.
We may also collect information from you if you:
- apply for employment through the Services (which may include your name, address, references, and employment history);
- use the Services to check the status of your accounts (such as your name, account number, and login password); and
- send us an email to inquire about your account or to request information (such as your name, email address, and any other personal information you supply in your message).
How we use the personal information we collect
We may use the personal information that you provide as follows:
- if you apply for a job, to consider you for the position and to contact references (please note that your references may be contacted without prior notice to you); or
- if you apply for credit, to verify information you submit to us, to access your credit worthiness, including retrieving credit reports, and to approve or reject your application; or
- to respond to inquiries you may have about your account and other related matters, including collection activities; or
- to develop new and improved products and services, including offerings tailored to your business or other similarly situated businesses, and informing you of such products and services that we believe may be of interest to you; or
- to improve and maintain the Site; or
- if you send us an email for information, to reply to your request; or
- for any other legally permissible purposes.
How we may share personal information you provide to us
SFG may share your personal information under the following circumstances:
Affiliates: We may share your name, address, and information about your transactions and experiences with us (such as your payment history or other facts about your account) with our affiliates for marketing or for other purposes related to your financial transaction.
Agents and service providers: To establish, administer, and manage our customers’ accounts, evaluate credit, provide customer service and benefits, process account transactions and account statements, engage in collections activities, or process job applications, we may disclose your personal information to companies that work with us to perform services or business operations on our behalf. We may also share your personal information with companies that perform marketing services on our behalf, or with other financial institutions (including insurance companies) with whom we have joint marketing agreements.
Nonaffiliated third parties: In certain instances, we are permitted or even required to disclose your personal information to nonaffiliated third parties. For example, reporting your transaction history and information with us to credit reporting agencies, responding to regulators or auditors, to protect against fraud, or to provide information in connection with proposed or actual business transactions involving SFG companies or accounts. We may also disclose your personal information to third parties when legally compelled to do so, such as to comply with the law, to enforce our terms of use, or to protect the rights, property, or safety of SFG, its employees, customers, visitors to these Services, and others.
Other third parties: We may also share, as permitted by law, your personal information with other third parties with whom we do not have joint marketing agreements, such as other financial services providers and insurance companies, or with nonfinancial companies, such as service organizations, retailers, travel services and direct marketers.
Business transfers: As we develop our business, we may sell or buy businesses or assets, or be involved in mergers or other corporate reorganization. In transactions such as these, your personal information may be shared in connection with any of the foregoing types of transactions, even prior to the existence of a final, binding agreement to buy, sell, merge, or reorganize.
How we protect the confidentiality and security of your personal information
SFG uses reasonable measures to protect personal information from unauthorized access, deletion, or alteration. In addition, we have physical, electronic, and procedural safeguards to protect your personal information. As part of our security practices, SFG does not send requests for personal information to our customers. Any personal information you request SFG to send you via email, such as your account balance, is encrypted. However, standard email communications are not. Therefore, you should not transmit your personal information to us through email. Please note that no company can guarantee perfect online security, and please remain careful and vigilant in your online activities.
SFG operates general audience online Services that are accessible to the public. These Services are not intended for visitors under 18 years of age or the age of consent. We do not knowingly market our products or services to children, nor do we knowingly collect personal information from children.
Information we automatically collect (not personal information)
When you visit or browse our Services, we and our advertising, marketing, or service partners may collect information such as your Internet Protocol or “IP” address and the “URL” of the Web pages you visit, and may use “cookies,” Web beacons, or other objects to collect statistical and other information about your use of our Services. The purpose of collecting this information is to improve the effectiveness of our Services and to conduct targeted advertising or marketing. The collected information may include, for example, information about your computer, its unique identifiers, and its configuration, the Web pages you visited or mobile applications used; the date and time of your visit; the websites you visited immediately before and after visiting our website; your language preference; demographic and/or location-based information; and the popularity of various advertising words and phrases used by us. The collection of this information allows for the compilation of aggregate and anonymous information about the usage of our Services, and can help us improve your use of our Services, by, for example, providing quick login, streamlining site navigation, and maintaining up-to-date content for all users. Should you configure your browser to reject cookies, you may disable some of our Service’s features.
Do-not-track signals
We currently do not employ technology that recognizes “do-not-track” signals from your browser. As stated above, we engage third parties, such as advertising, marketing, service, or analytics partners, who may collect information about your online activities over time and across different websites when you use our Sites.
Changes to this Policy, and contact information
SFG may update this Policy from time to time. SFG may notify you of an update to this Policy by any reasonable means, including by email, online account notification, mobile application pop-up, or regular mail. You agree that if you choose to continue to use the Services after SFG sends you such an email, online account notification, mobile application pop-up, or regular mail (allowing one week from the sent date for delivery of regular mail), you are bound to the most recent version of the Policy. You should periodically check the effective date at the top of this Policy to be sure that you are aware of the most recent version of this Policy and the important information described in it.
