Privacy Policy

Last edited: February 1, 2016

This Privacy Policy applies to www.frasersfinancial.com (the “Site”), which is owned and operated by Fraser Financial (“Fraser Financial, Frasers Financial” “we” or “our”).

At Frasers Financial, we recognize and respect your privacy. This Privacy Policy explains how we collect, use, and disclose personally identifying information (“Personal Information”) gathered through our Site. This Privacy Policy applies only to information collected through our Site. It does not address our collection of Personal Information from other sources, such as from sales representatives including any independent sales or marketing representative who may refer you or your business to us (“ISO”). Note that this is a business-to-business, not a consumer, website and that we also collect information regarding businesses. Again, this Privacy Policy applies to Personal Information about individuals and not to information about businesses.

The Privacy Policy is subject to and incorporates by reference our Terms of Use, including its limitation on liability.

Types of Personal Information We Collect Through The Site

You may browse our Site without submitting any information. To submit a question, or apply for any of our services, you may be required to submit your name and email address, and we may also ask you for other optional information, such as your business’s website address, phone number, etc.

 We also collect the following types of Personal Information through the Site:

• Business owner contact information (such as name, address, email address, and phone number) and individual job information (such as job title)
• Personal and financial information necessary to assess your eligibility to access working capital or invest through Frasers Financial or one of its partners or ISOs
• Optional Personal Information you may wish to share in the furtherance of your funding application
• Information about your visits to and use of this Site or the websites of third-party services to help us maintain the appropriate features, functionality, and user experience
• Information to verify an individual’s identity (including social security number, user name and password, and other data elements such as driver’s license number and age or date of birth)
• Individual financial or credit bureau information (such as a business owner’s credit score, credit history, and bank account information)
• Personal Information contained in government filings or legal agreements (such as corporate formation agreements, business licenses, lease or loan agreements, and business tax returns)
• Any other Personal Information you submit or upload through our Site or to one of our email addresses

We may also append to the Personal Information collected through our Site data or an ISO’s new or other data that we receive from other sources, such as public records, demographic information, and other background information supplied by information services or third parties.

In addition, we automatically collect through our Site information that is often not personally identifying, such as the website from which you came to our Site and your IP address, browser type, and other information relating to the device through which you access the Site. We may combine this information with the Personal Information we have collected from you, which we store in log files. We do this to improve services we offer you.

Information We Collect From You and About You

Some information collected from you is required and some is optional; some will remain private and some will be shared with third parties. Additional information may be gathered during your subsequent use of the Site, whenever you choose to provide it.  We never sell any portion of any information provided through www.frasersfinancial.com to any third parties for any purposes, whatsoever. 

Certain Personal Information must be supplied to determine eligibility for financial products and to verify and guard against potential fraud.

We will use this information to request a credit report from a credit bureau to process your application as well as to help assess your funding request in the context of your overall financial situation. We will also use your required and optional information to facilitate activities and transactions that need to occur during the funding process.

Additional Uses of Personal Information

We use the Personal Information you provide us and allow us access as described herein for the following purposes:

• Respond to requests or inquiries, and for similar, customer-service-related purposes
• Evaluate your business’s or customers’ eligibility for products provided by or through Frasers Financial or its affiliates
• Effectuate or enforce a transaction or agreement
• Adjust offerings or services, provided by or through Frasers Financial or its affiliates, to your business and to tailor the information we send or display to you
• Provide you with information about our company or products—provided by or through Frasers Financial or its affiliates—that we believe you may find of interest, including marketing and promotional e-mails
• Authenticate visitors to our Site
• Improve our Site, offerings or services provided by or through Frasers Financial or its affiliates
• Better understand how users access and use our Site, and offerings provided by or through Frasers Financial or its affiliates, on an aggregated and individualized basis

Types of Disclosures of Personal Information

We will share your personal information with third parties only in the ways that are described in this privacy policy. We do from time to time provide others with your information, for various products and services including working capital, as described below. We may disclose Personal Information to third parties for the following purposes:

• To provide you with information relating to products or services that we believe you may find of interest; to provide you access to working capital, from third parties, if we cannot provide access
• In response to a subpoena or other legal process by a governmental entity or third party, or if otherwise required by law
• To protect or enforce our rights or property, protect your safety or the safety of others, investigate fraud, or respond to a government request
• In the event of the sale or dissolution (bankruptcy) of all of our assets, in which case, you will be notified, there after by a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information
• To third parties involved in the process of providing services to us or you or performing functions on our behalf, such as contractors, customer service providers (e.g., information technology or human resources consultants or service providers), credit bureaus, and collection agencies. These companies are authorized to use your personal information only as necessary to provide these services to us
• To our affiliates and subsidiaries for marketing purposes, or for product or service delivery
• To the ISO that referred you to us—for example, in connection with reporting on your progress in the application process or in connection with calculating or reporting on the commission due to the referral source or otherwise
• To our lenders, investors, partners, or auditors in the course of their review or auditing us
• To provide products or services requested
• To our vendors, who may use the information to further improve their database services to us

Notwithstanding anything else in the Privacy Policy, we may share aggregate or personally identifying information about users with third parties for marketing, advertising, research, or other business purposes.

Fraser Financial may, from time to time and in its sole discretion, elect to contract with one or more other bank(s) to underwrite loans. In such case, you will be notified of such bank(s) during the loan process.

User Access

If your personal information changes, or if you no longer want updates or to be contacted for new products, you may correct, update, amend, delete/remove or deactivate your contact information by emailing our Customer Support at webmaster@frasersfinancial.com or by contacting us by telephone or postal mail at the contact information listed below. We will update your file within 30 days.

Data Retention

We will retain your information for as long as your account is active or as needed to provide you services. In additional we are required to keep, retain your information as necessary to comply with our legal obligations, resolve disputes, and enforce agreements.

Cookies and Analytics

Technologies such as: cookies, beacons, tags and scripts are used by Frasers Financial and our analytic partners or service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site 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.

We use cookies for to remember users’ settings or for authentication. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

Social Media Widgets

Our Web site includes or may include Social Media Features, such as the Facebook Like button and Widgets, such as the Share this button 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.

Testimonials

We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at webmaster@frasersfinancial.com

Third-party Links

At times, our Site may contain links to other, third-party websites. Any access to and use of such linked websites is not governed by this Privacy Policy but, instead, is governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites.

Marketing Communications

We may send you emails from time-to-time about information that we (or third parties) believe may be of interest to you. We may also send you news and offers from us or other third parties, which may include our newsletter or information about special offers, products or offerings, or other items.If, at any time, you would like to stop receiving these promotional e-mails, you may follow the opt-out instructions contained in any such e-mail. Please note that it may take up to 10 business days for us to process opt-out requests. If you opt-out of receiving emails or promotions from us, we still may send you e-mails about your account, your application or any products or services you have requested or received from us, or for other customer service purposes.

International Users

The Site is hosted in the United States. If you are accessing the Site from outside the United States, by providing your information to the Site, you are consenting to and authorizing the transfer of your information to the United States for storage, use, processing, maintenance, and onward transfer of such information to other entities regardless of their location in accordance with this Privacy Policy and our Terms of Use. You are also consenting to the application of United States law in all matters concerning the Site.

Security

Frasers Financial takes reasonable steps to safeguard your personal and sensitive information through vigorous physical, electronic, and operational policies and practices. Data can only be read or written through defined service access points, the use of which is password-protected. The physical security of the data is achieved through a combination of network firewalls (there is no direct communication allowed between the database server and the Internet) and servers with operating systems, all housed in a secure facility. Access to the system is controlled.

Further, we also equip our servers with Secure Socket Layer (SSL) certificate technology to ensure that when you connect you are actually on our Site. SSL also ensures that all data entered into the web site is encrypted. To verify that SSL is being used, look for the key or padlock icon on your browser. For further encryption protection, we use a 128-bit secure browser for logins and transactions. 

No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at webmaster@frasersfinancial.com

Secure, Off-Site Hosting

We store all sensitive financial data such as social security numbers and bank accounts in a secure environment.

Protection of Account Numbers

When we contact you about your account or to confirm a funds transfer, we only reference the last four digits of your social security number; this is done for your protection.

Passwords

Your password is not known to any employee or third party with whom we may partner, and we will never ask for your password as a means of identifying yourself. You should never share your password with anyone, and if you ever receive an email purporting to come from us that asks for your password, you should immediately report this development to us at webmaster@frasersfinancial.com

What You Can Do

In addition to our own substantial efforts, you can take several precautions to protect the security of your computer and Personal Information. For instance, you can start by using a complex/well-chosen password. You should avoid using any information that others can easily learn about you, such as a family member’s name or birthday; you can also use special characters in place of letters. We also recommend that you change your password frequently. You can also install and regularly update antivirus and firewall software to protect your computer or device from external attacks by malicious users. When you are finished with a session on our site, be sure that you log out and close the browser window.

If you use a computer that is accessed by other people, such as in a public library or Internet cafe, we recommend that you take special precautions to protect the security of your account and personal data. When you are finished using our site, you should log out completely, then close the browser window and clear the browser’s cache files.

You should also be aware of fraudulent attempts to gain access to your account information known as “phishing.” Phishing is a tactic used by scammers in which unsuspecting people are brought to a website by a genuine-looking email purporting to be from a legitimate company. The phony or “spoof” email takes the person to a website that looks legitimate but in fact is not. Either in the email itself or on this fake site, scammers will ask for login information to gain access to people’s accounts and withdraw their money. Frasers Financial will never ask you for your login information in the context of any email. In general, you can protect yourself against phishing by never providing personal or login information via an email, instead, go the web site directly. You might also make it a habit to check the URL of a web site to be sure that it begins with the correct domain. You should always ensure the URL begins with http://www.frasersfinancial.com or https://www.frasersfinancial.com.

Changes to This Policy

We may update this privacy policy to reflect changes to our information practices. If we make any material changes we will notify you by a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Us

Questions? You may contact us with any questions or concerns about this Privacy Policy at:

FRASERS FINANCIAL
Telephone: 1-866-FundMe5
Fax: 1-866-581-3281
webmaster@frasersfinancial.com