Privacy Policy

1. Introduction

This Privacy Policy describes how undefined ("we," "us," or "our") collects, uses, and shares information about you when you visit our website at absloans.com ("Site"), use our services, or otherwise interact with us.

We respect your privacy and are committed to protecting your personal information. Please read this Privacy Policy carefully to understand our practices regarding your information.

2. Contact Information

If you have any questions about this Privacy Policy or our data practices, please contact us at:

3. Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact information (such as name, email address, mailing address, and phone number)
• Business information (such as company name, job title, business address, and business phone number)
• Financial information (such as bank account information, credit history, and tax identification numbers)
• Government-issued identification (such as driver's license, passport, or other identification documents)
• Account credentials (such as username and password)

Usage Data

We automatically collect certain information about your device and how you interact with our Site, including:

• IP address
• Device information (such as browser type, operating system, and device type)
• Pages viewed and features used
• Time spent on pages
• Links clicked
• Referring website or source

Payment Information

When you make a payment or apply for funding, we may collect payment information, such as credit card details or bank account information. This information is processed securely through our payment processors and is not stored on our servers.

4. How We Collect Information

We collect information in the following ways:

• Directly from you when you provide it to us, such as when you fill out forms, create an account, apply for funding, or communicate with us.
• Automatically when you use our Site through cookies, web beacons, and similar technologies.
• From third parties such as credit bureaus, business information providers, and other financial institutions.

5. How We Use Your Information

We use your information for the following purposes:

• To provide and maintain our services
• To process and evaluate funding applications
• To communicate with you about our services, promotions, and events
• To respond to your inquiries and provide customer support
• To improve our website and services
• To detect, prevent, and address technical issues and fraudulent activities
• To comply with legal obligations
• To enforce our terms and conditions

6. Information Sharing and Disclosure

We may share your information with the following categories of third parties:

• Service providers who perform services on our behalf, such as payment processors, cloud hosting providers, and customer relationship management systems.
• Financial partners such as banks, lenders, and credit bureaus to facilitate funding services.
• Marketing and analytics providers to help us understand and improve our services and communications.
• Legal and regulatory authorities when required by law or to protect our rights and interests.

We do not sell your personal information to third parties. However, we may share anonymized or aggregated data that does not identify you with third parties for business purposes.

7. Third-Party Services

We use various third-party services to operate our business and provide our services, including:

• Analytics platforms for website analytics
• Email marketing platforms for sending newsletters and updates
• SMS providers for text message communications

These third-party services have their own privacy policies, and we encourage you to review them. We ensure that all third-party services we use comply with applicable privacy regulations, including GDPR, CCPA, and 10DLC registration requirements for SMS communications.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities and to remember your preferences. You can manage your cookie preferences through your browser settings. However, disabling cookies may affect the functionality of our Site.

9. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access and receive a copy of your personal information
• The right to correct inaccurate information
• The right to request deletion of your information
• The right to restrict or object to processing
• The right to data portability
• The right to withdraw consent

To exercise these rights, please contact us using the information provided in the "Contact Information" section.

10. Opt-Out Information

You can opt out of receiving marketing communications from us at any time by:

• Clicking the "unsubscribe" link in our emails
• Texting "STOP" to the number from which you received SMS messages
• Visiting our unsubscribe page
• Contacting us using the information in the "Contact Information" section

Please note that even if you opt out of marketing communications, we may still send you transactional or administrative messages related to your account or our services.

11. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When determining how long to retain information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure, and the purposes for which we process the information.

When we no longer need to use your information, we will take steps to securely delete or anonymize it. If deletion is not possible, we will securely store your information and isolate it from further use until deletion is possible.

12. Security Measures

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include:

• Encryption of sensitive data
• Secure socket layer (SSL) technology
• Access controls and authentication procedures
• Regular security assessments and audits
• Employee training on data protection

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. Therefore, we cannot guarantee absolute security.

13. Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we learn that we have collected personal information from a child, we will take steps to delete that information as soon as possible.

14. International Data Transfers

Your information may be transferred to and processed in countries other than the country in which you reside. These countries may have data protection laws that are different from the laws of your country. We ensure that appropriate safeguards are in place to protect your information when it is transferred internationally.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the updated Privacy Policy on our Site and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

16. Compliance with Laws

We comply with applicable data protection laws, including:

• The California Consumer Privacy Act (CCPA)
• The General Data Protection Regulation (GDPR)
• The Telephone Consumer Protection Act (TCPA)
• 10DLC (10 Digit Long Code) regulations for SMS messaging

If you are a California resident, you have specific rights under the CCPA. Please contact us to exercise these rights.