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Collection and Use
How we collect and use information
Disclosure of your information to third-parties
Making updates or changes to your information; Data retention
Information obtained from third-parties
This privacy statement describes how Flex Business Loans collects and uses the personal information you provide on our website:
www.flexbusinessloans.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
1. Collection and Use
We collect the following personal information:
Contact information such as name, mailing address, e-mail and telephone.
Unique identifiers such as user name, account number and password.
Preferences information such as product wish lists, order history and marketing preferences.
We collect the following information regarding your business:
2. How we collect and use information
Log Files: Any time you visit any of our websites, our servers automatically gather information from your browser (such as your IP addresses, browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks) to analyze trends, administer the site, prevent fraud, track visitor movement in the aggregate, and gather broad demographic information. For example, we may log your IP address for system administration purposes. IP addresses are logged to track a user’s session. This gives us an idea of which parts of our site users are visiting. We do not share the log files externally.
Web Beacons: “Web beacons” (also known as “clear gifs” and “pixel tags”) are small transparent graphic images that are often used in conjunction with cookies in order to further personalize our website for our users and to collect a limited set of information about our visitors. We may also use web beacons in email communications in order to understand the behavior of our customers. We do not link the web beacons to any personally identifiable information.
Sign-Up Information: To process sign-ups, we may require your name, address, phone number, email address and credit card information. Such information is used primarily to process your order or as otherwise described herein. Credit card transactions are processed through industry standard Secure Socket Layer (SSL) by a third party, which only uses your information for that purpose.
E-mails and Telephone Calls: We require an e-mail address from you when you register for our services. We use your e-mail for both transactional (e.g., order confirmation, refund and renewal processing) and promotional (e.g., newsletters, new product offerings, special discounts, event notifications, special third-party offers) purposes. E-mail messages we send you may contain code that enables our database to track your usage of the e-mails, including whether the e-mail was opened and what links (if any) were clicked. If you would rather not receive promotional e-mails from us, please see the section below labeled
“Choice/Opt-Out”. We reserve the right to send you certain communications relating to the Flex Business Loans services, such as service
announcements and administrative messages, without offering you the opportunity to opt out of receiving them. We may also contact you by telephone or text message (including to any wireless number you may provide to us) solely in connection with Flex Business Loans’s services. If you would rather not receive telephone calls or text messages from us, you may change or delete your number from your account preferences page(s), or ask to be removed from our contact list if you receive a call or text message from us. We fully comply with the requirements of the U.S. CAN-SPAM Act.
3. Disclosure of Your Information to Third Parties
Disclosure By Law: You acknowledge and agree that we may disclose information you provide if required to do so by law, at the request of a third party, or if we, in our sole discretion, believe that disclosure is 8reasonable to (1) comply with the law, requests or orders from law enforcement, or any legal process (whether or not such disclosure is required by applicable law) and (2) protect or defend Flex Business Loans’s, or a third party’s, rights or property.
4. Making Updates or Changes to Your Information; Data Retention
You may update or remove your profile information at any time by going to your profile page and clicking “Edit My Profile.” Any changes made will be updated immediately.
If you want to stop using your account you may deactivate it or delete it. When you deactivate an account, no lender or any other third party will have access to your account or information, but the information will not be deleted. By deactivating your account you will have the ability to restore the account in its entirety.
You may delete your account. If you choose to delete your account it will be permanently deleted from Flex Business Loans. You should only delete your account if you are certain you never want to reactivate it again.
Flex Business Loans will retain data in a commercially reasonable manner upon deletion of an account. If an account is deleted, only Flex Business Loans will have access to the information. No third party provider will have access to your personal information. Flex Business Loans will only use your data for internal research and Flex Business Loans marketing. Data that is retained by Flex Business Loans will be
retained for a commercially reasonable period of time as determined by Flex Business Loans.
We have extensive security measures in place to protect the loss, misuse and alteration of the information stored in our database. These measures include the use of Secure Socket Layer (SSL) technology during credit card transactions and administrative access to site data, as well as other proprietary security measures which are applied to all repositories and transfers of user information. We will exercise reasonable care in providing secure transmission of information between your computer and our servers, but given that no information transmitted over the Internet can be guaranteed 100% secure, we cannot ensure or warrant the security of any information transmitted to us over the Internet and hence accept no liability for any unintentional disclosure. For further information, please see our Terms of
In the event there is a data breach, Flex Business Loans will notify you within 45 days. We will notify you that a breach occurred, what type of information was breached, when the breach occurred, what steps you can follow to further protect your information, what actions we are taking regarding the breach and what steps we are taking to ensure the breach does not happen again.
You may choose not to receive our newsletter or marketing emails prior to receiving any such materials by checking the “No” box when prompted at sign-up. You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instruction included in these emails or you can contact us at [email protected].
7. Information Obtained from Third Parties
We purchase marketing data about our customers from third parties and combine it with information we already have about you, to create more tailored advertising and products.
If you provide information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us.
Any information obtained from a third-party will be used to assist matching your business with various lenders.
If you have any questions about security on our website, you can contact us at [email protected].
9. Contact Information
Grow Marketing Company LLC
2673 S Preston St
Salt Lake City, UT 84106
Email: [email protected]
This policy was last revised May 16, 2018
This is a legal agreement (“Agreement”) between you and Grow Marketing Company LLC (“Flex Business Loans”), which may be contacted at 2673 S Preston St, Salt Lake City, UT 84106. By accessing the Flex Business Loans website, currently located at www.flexbusinessloans.com (the “Site”), and using any of the Services (as defined below) accessible though the Site, you become a user and agree to, and are bound by, the terms and conditions of this Agreement for as long as you continue to use the Site or Services. IF YOU DO NOT AGREE TO BE BOUND BY THIS AGREEMENT, DO NOT USE THE SITE OR
THE SERVICES. Your use of, or participation in, certain Services may be subject to additional terms, and such terms will be either listed in this Agreement or will be presented to you for your acceptance when you sign up to use such Services or purchase such products.
This Agreement is subject to change by Flex Business Loans in its sole discretion at any time, with or without notice. Your continued use of this Site or the Services after the posting of revisions to this Agreement will constitute your acceptance of such revisions. Please consult the end of this Agreement to determine when the Agreement was last revised.
Flex Business Loans is licensed as set forth in the Licenses and Disclosures section, which is incorporated into this Agreement by reference.
Use of Site and Service
Links to Third-Party Websites/Dealings with Advertisers and Sponsors
Disclaimer of Warranty
Limitation of Liability
Communication and Privacy
Term and Termination
1. Defined Terms
As used in this Agreement, the following words shall have the following meanings. “Flex Business Loans” includes “Flex Business Loans”, “we”, “us” and variations such as “our”. “Service” includes the products, services and software that you order, receive or access as part of the Flex Business Loans service.
2. Use of Site and Service
As a user of the Site or a user registered to use any of the Services (a “Registered User”), you agree to the following:
a. Exclusive Use. Your account is to be used only by you and only for your business needs. You may not authorize others to use your account, and you may not assign or otherwise transfer your account to any other person or entity. You acknowledge that Flex Business Loans is not responsible for third-party access to your account that results from theft or misappropriation of your user name and passwords.
b. Information Submitted. You are solely responsible for, and assume all liability regarding, (i) the information and content you provide through your use of the Site and any Services; (ii) the information and content you make available in any manner through the service; and (iii) your interaction with any and all third-parties.
c. Risk Assumption and Precautions. You assume all risk when using the Services, including but not limited to all of the risks associated with any interactions with third-parties, including but not limited to any lenders to which you are matched, referred or provided.
d. No Guarantees. Flex Business Loans may not be able to provide matches for every Registered User seeking to use its services. Further, Flex Business Loans makes no guarantees as to the number of matches or the ability to obtain business funding in any amount.
e. No False Information. You will provide accurate, true, current and complete information.
f. Legal Purpose. You will not use the Site or Services for any illegal purpose. You will only use the Site or Service in accordance with federal, state and local laws.
g. Business Purpose. You will only use the Site or Services for a bona fide business purpose. You will not use the Site or Services for personal, family or household purposes. You may not use the Site or Services to obtain information about or make decisions about anyone but yourself and/or your business.
h. Age. You must be eighteen (18) years or older to use the Site or Services.
3. Proprietary Rights
a. Ownership of Proprietary Information. You hereby acknowledge and agree that Flex Business Loans is the owner of all rights in and to the Site and Services. These proprietary rights are protected by federal, state and local laws and regulations. You are permitted to use the Site and Services only as expressly authorized by this Agreement. You may not copy, reproduce, distribute or create derivative works, reverse engineer or reverse compile any of the Site or Services or technology.
b. No Use of Confidential Information. You will not post, copy, modify, transmit, disclose, show in public, create any derivative works from, distribute, make commercial use of, or reproduce in any way any (i) confidential information or (ii) other copyrighted material, trademarks, or other proprietary information accessible via the Site or Services, without first obtaining the prior written consent of the owner of such proprietary rights.
c. License to Provided Content. By providing information or content to any account or public area of the Site or Service, you automatically grant, and you represent and warrant that you have the right to grant, to Flex Business Loans and its users, an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to use, reproduce, publicly perform, publicly display and distribute such information and content, and to prepare derivative works of, or incorporate into other works, such information and content, and to grant and authorize sub-licenses of the foregoing. From time to time, we may create, test or implement new features or services on the Site in which you may voluntarily choose to participate, in accordance with the additional terms and conditions of such features or programs. By your voluntary participation in such features or programs, you grant us the rights stated in this subsection in connection with the additional terms and conditions (if any) of such features or services.
4. User Information
b. Information Security Policy. The Flex Business Loans Information Security Policy, hereby incorporated by reference into this Agreement, explains the policy applicable to the information that is collected through the Site, received directly from you or transmitted to or from third parties.
c. Disclosure by Law. You acknowledge and agree that Flex Business Loans may disclose information you provide if required to do so by law, at the request of a third-party, or if we, in our sole discretion, believe that disclosure is reasonable to (i) comply with the law, requests or orders from law enforcement, or any legal process (whether or nor such disclosure is required by applicable law); or (ii) protect or defend Flex Business Loans’s, or a third-party’s, rights or property.
d. Use of Anonymous Information for Research. By using the Site and/or Services, you agree to allow Flex Business Loans to anonymously use the information from you and your experiences through the Services to continue Flex Business Loans’s research into successful business practices and to improve the Services.
Flex Business Loans offers subscription services, each of which is explained in more detail below. Further product, subscription and services descriptions are provided through the Site and are made a part of this Agreement by reference.
a. The Free Membership Plan. This is a free subscription that occurs when you complete the loan profile on the Site. This membership may provide various lender matches. You will receive contact information for the lender matches and You may apply directly with the lender from the lender match for a business loan product. You will also have access to Flex Business Loans customer service representatives via chat to assist you with certain questions. Flex Business Loans does not make any guarantee of the number of lender matches each customer may or will have.
6. Links to Third-Party Websites and Dealings with Advertisers and Sponsors
The Site and Services may contain links to websites of third-parties, including without limitation, advertisers, which are not under the control of Flex Business Loans, and Flex Business Loans is not responsible for the content of any linked site or any link contained in a linked site, or any changes or updates to such websites. Flex Business Loans provides these links to you as a
convenience, and the inclusion of any link does not imply that Flex Business Loans endorses or accepts any responsibility for the content on such third-party website. Your correspondence or business dealings with, or participation in promotions of, advertisers or third-parties found on or through the Site or Services are solely between you and such advertiser or third-party. You agree that Flex Business Loans will not be responsible or liable for any loss or damage of any sort incurred as the result of the
7. Lender Terms
The following terms apply to a lender or potential lender that accesses the Site. All other terms also apply to a lender or potential lender.
a. Access to the Site. Access to the Site will be on a limited basis in accordance with the Lender Package purchased. A lender or potential lender may not exceed the limits of the Lender Package purchased. In the event a lender or potential lender exceeds the limits set forth in the Lender Package purchased, such lender or potential lender shall be
prohibited from future access to the Site.
b. Access to Client Information. A lender or potential lender may only access client information for the purpose of providing business loans. Lenders or potential lenders are explicitly restricted from accessing the Site or client information for the purpose of providing personal loans for personal, family or household use.
c. Client Information. A lender or potential lender that accesses the Site and/or purchases a Lender Package and accesses Client Information does so at its own risk. Flex Business Loans makes no representations or guarantees as to the accuracy, validity or legitimacy of the Client Information. Flex Business Loans disclaims any and all potential liability as to the use of the
Client Information. Flex Business Loans does not guarantee the ability of a client being prepared to receive or be approved for any particular loan product or amount.
8. Disclaimer of Warranty
a. No Warranties. THIS SECTION WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. Flex Business Loans PROVIDES THE SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS AND GRANTS NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE WITH RESPECT TO THE SERVICES OR THE SITE (INCLUDING ALL INFORMATION CONTAINED THEREIN), INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Flex Business Loans DOES NOT WARRANT THAT YOUR USE OF THE SERVICES WILL BE SECURE, UNINTERRUPTED, ALWAYS AVAILABLE, ERROR- FREE OR WILL MEET YOUR REQUIREMENTS, OR THAT ANY DEFECTS IN THE SERVICES WILL BE CORRECTED. Flex Business Loans DISCLAIMS LIABILITY FOR, AND NO WARRANTY IS MADE WITH RESPECT TO, THE CONNECTIVITY AND AVAILABILITY OF THE SERVICES.
b. Third-Party Content. Opinions, advice, statements, offers, or other information or content made available through the Site or Services, but not directly by Flex Business Loans, are those of their respective authors, and should not necessarily be relied upon. Such authors are solely responsible for such content. Flex Business Loans DOES NOT: (i) GUARANTEE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED ON THE SERVICES, OR (ii) ADOPT, ENDORSE OR ACCEPT RESPONSIBILITY FOR THE
ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT MADE BY ANY PARTY OTHER THAN FLEX BUSINESS LOANS. UNDER NO CIRCUMSTANCES WILL FLEX BUSINESS LOANS BE RESPONSIBLE FOR ANY LOSS OR DAMAGE RESULTING FROM ANYONE’S RELIANCE ON INFORMATION OR OTHER CONTENT POSTED ON THE SITE OR SERVICES, OR TRANSMITTED TO OR BY ANY USERS.
c. Beta Features. From time to time, Flex Business Loans may offer new “beta” features or tools with which its users may experiment on the Site or Services. Such features or tools are offered solely for experimental purposes and without any warranty of any kind, and may be modified or discontinued at Flex Business Loans’s sole discretion. The provisions of this Disclaimer of Warranty section apply with full force to such features or tools.
9. Limitation of Liability
a. Incidental Damages and Aggregate Liability. IN NO EVENT WILL FLEX BUSINESS LOANS BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL OR INDIRECT DAMAGES ARISING OUT OF OR RELATING TO THE USE OR INABILITY TO USE THE SERVICES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OR CORRUPTION OF DATA OR PROGRAMS, SERVICE INTERRUPTIONS AND PROCUREMENT OF SUBSTITUTE SERVICES,
EVEN IF FLEX BUSINESS LOANS KNOWS OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNDER NO CIRCUMSTANCES WILL FLEX BUSINESS LOANS’S AGGREGATE LIABILITY, IN ANY FORM OF ACTION WHATSOEVER IN CONNECTION WITH THIS AGREEMENT OR THE USE OF THE SERVICES OR SITE, EXCEED THE PRICE PAID BY YOU FOR YOUR ACCOUNT OR SUBSCRIPTION, OR, IF YOU HAVE NOT PAID Flex Business Loans FOR THE USE OF ANY SERVICES, THE AMOUNT OF US$25.00 OR ITS EQUIVALENT.
b. No Liability for non-Flex Business Loans Actions. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL FLEX BUSINESS LOANS BE LIABLE FOR ANY DAMAGES WHATSOEVER, WHETHER DIRECT, INDIRECT, GENERAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, AND/OR INCIDENTAL, ARISING OUT OF OR RELATING TO THE CONDUCT OF YOU OR ANYONE ELSE IN CONNECTION WITH THE USE OF THE SERVICES.
c. Information Verification. Flex Business Loans and its contractors may use various ways of verifying information that users have provided. However, none of those ways are perfect, and you agree that Flex Business Loans and its contractors will have no liability to you arising from any incorrectly verified information.
You agree to indemnify, defend and hold harmless Flex Business Loans, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys’ fees) relating to or arising out of (i) your use of or inability to use the Site or Services, (ii) any user postings made by you, (iii) your violation of any terms of this Agreement or your violation of any rights of a third-party, or (iv) your violation of any applicable laws, rules or regulations. Flex Business Loans reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to
indemnification by you, in which event you will fully cooperate with Flex Business Loans in asserting any available defenses.
11. Communication and Privacy
12. Term and Termination
This agreement will become effective upon your acceptance of the Agreement by your use of the Site or Services and will remain in effect in perpetuity unless terminated hereunder. Either you or Flex Business Loans may terminate your account at any time, for any reason or no reason, without explanation, effective upon written notice to the other party. Flex Business Loans reserves the right to immediately suspend or terminate your access to any of the Services, without notice, for any reason or no reason. We
also reserve the right to remove your account information or data from our Services and any other records at any time at our sole discretion. In the event your access to any of the Services is suspended due to the breach of this Agreement, you agree that all fees then paid to Flex Business Loans by you will be nonrefundable and all outstanding or pending payments will immediately be due. You may terminate your account by following the steps in the applicable section under “Cancellations” below.
You may cancel your profile at any time by contacting Customer Service at 888-788-6456
14. General Provisions
a. Controlling Law and Jurisdiction. You agree that Utah law (without giving effect to its conflicts of law principles) will govern this Agreement, the Site and the Services and that any dispute arising out of or relating to this Agreement, the Site or the Services will be subject to the exclusive jurisdiction and venue of the federal and state courts
in the Central District of Utah. You acknowledge and agree that any violation of this Agreement may cause Flex Business Loans irreparable harm, and therefore agree that Flex Business Loans will be entitled to seek extraordinary relief in court, including but not limited to temporary restraining orders, preliminary injunctions and permanent injunctions without the necessity of posting a bond or other security, in addition to and without prejudice to any other rights or remedies that Flex Business Loans may have
for a breach of this Agreement.
for informational purposes only and are not deemed to be part of this Agreement. Unless otherwise explicitly stated, the Agreement will survive termination of your registration to the Service. The failure of Flex Business Loans to exercise or enforce any right or provision of this Agreement does not constitute a waiver of such right or provision. If any provision of this Agreement is held invalid, the remainder of this Agreement will continue in full force and effect. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in this Agreement are for convenience only and have no legal or contractual effect.
c. Securities Statements. WE MAKE NO REPRESENTATIONS, WARRANTIES OR OTHER GUARANTEES OF ANY KIND AS TO THE ACCURACY, COMPLETENESS OR TIMELINESS OF ANY PRICE QUOTES, NOR DO WE MAKE ANY REPRESENTATIONS, WARRANTES OR OTHER GUARANTEES OF ANY KIND AS TO THE PRESENT OR FUTURE VALUE OR SUITABILITY OF ANY SALE, TRADE OR OTHER TRANSACTION INVOLVING ANY PARTICULAR SECURITY OR ANY OTHER INVESTMENT OF ANY KIND. You understand that we are not a broker or dealer in securities, and not an investment or financial advisor. You are solely responsible for your investment research. Prior to undertaking any securities transaction,
you should consult a broker or other financial advisor with respect to the price, suitability, value or other aspects of any stock, mutual fund, security or other investment.
d. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of Utah, without regard to conflicts of laws provisions thereof, and without regard to the United Nations Convention of the International Sale of Goods. The jurisdiction and venue for actions related to the subject matter hereof shall be the Utah State and United States Federal Courts located in Salt Lake City, Utah, and each party hereby submits to the personal jurisdiction of such courts.
15. Revision Date
This Agreement was last revised on May 16, 2018.