You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with XpressCapital LLC. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.
We work diligently to safeguard the information you give to us. In fact, we developed the following policies to ensure your confidentiality and maintain your confidence in us. These policies detail the strict standards we have in place. For this reason, we ask that you please read the following information carefully.
151 S Rose St. Ste., 777
Kalamazoo, MI 49007
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Enter "Marketing Promotions Opt-out" in the subject line.
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Other Choices regarding your personal information on the Internet
If you would like to reduce the amount of advertising you receive from other companies, visit the website www.dmaconsumers.org or write to the following agencies and include your name, address and telephone number:
Mail Preference Service
c/o Direct Marketing Association
P.O. Box 643
Carmel, NY 10512
Telephone Preference Service
c/o Direct Marketing Association
P.O. Box 1559
Carmel, NY 10512
To reduce the amount of email advertising, use the opt-out service at www.dmaconsumers.org. National Do-Not-Call Registry You can reduce the number of unwanted phone calls to your home by calling 1-888-382-1222 or registering your phone number at www.fcc.gov/cgb/donotcall.
Our Promise to You
XpressCapital LLC is committed to protecting your privacy at all times. We do not share your information with non-affiliated third parties for purposes of selling their products and services to you. We are committed to bringing you the services you need to succeed financially. If we do not offer a financial service, a joint marketing agreement is established which includes strict privacy protections. Your information is protected by strong security controls surrounding our technology and personnel.We Protect Your Personal Information
We restrict access to personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and user privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal information. We will continue to test and update our technology to improve the protection of our information about you. Our sites have security measures in place to protect the loss, misuse and alteration of the information under our control. We use state-of-the-art SSL encryption technology to ensure your confidential data is secure during transmission.Information We Collect and Use
We collect information about you to provide competitive financial products and services. Information is collected from the following sources: Information on applications and other forms received from you, including your contact information, such as your name, address, email; sensitive information, such as your social security number; demographic information, such as your date of birth; and financial information such as your income and assets. With your authorization we may opt to use a credit-reporting agency, to make decisions on products and services to determine your creditworthiness and credit history. We use your IP address and aggregate log file statistics to help diagnose problems with our server, and to administer our web site. Your IP address, etc. can be used to help identify you. Cookies are electronic markers that are stored directly on the computer you are using to indicate activity or access to a specific web site or pages contained on a web site. When you return to our web site, your browser will give that information back to our server. We use cookies to maintain the state of your session on our web sites. We do not encode your personally identifiable information in our cookies. If some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies. Our site's applications and forms require users to give us contact information (such as name and e-mail address. The user's contact information is used to contact the visitor for the purposes of which they are submitting the form. This site may contain links to other sites. XpressCapital LLC is not responsible for the collection and use practices of nonaffiliated third parties to which our web site may link or for the content of such web sites. Our site uses forms for users to request information, products, and services. We collect your confidential personal information only as necessary to respond to your request or perform according to your instructions. Financial information that is collected is used to check the user's qualifications. If you do not interact with us when you browse our web site anonymously, we do not collect your personal information including your e-mail address. We may, however, gather data that is not personally identifiable to you such as length of user visit, number of hits and pages visited to evaluate the usefulness of our web site. If a user wishes to enroll in our email subscription list, we ask for contact information such as name and email address. Out of respect for our users privacy we provide a way to opt-out of these communications. Please see the Privacy Choices section. This information is not shared with any external business organizations.Notification of Changes
If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected. If, however, we are going to use users' personally identifiable information in a manner different from that stated at the time of collection we will notify users. Users will have a choice as to whether or not we use their information in this different manner. However, if users have opted out of all communication with the site, or deleted/deactivated their entry on an email list, then they will not be contacted, nor will their personal information be used in this new manner.Parties Who Receive Information From Us
We share customer information to provide superior service, tell you about new or enhanced financial services, and improve and develop our products and services. We may share the information described above with the following companies and as otherwise permitted by law:| Companies that assist us in administering and bringing you our products and services. The information shared with these companies typically includes information to process transactions on your behalf, conduct our operations, and follow your instructions as you authorize, or protect the security of our transactions. These companies may include insurance companies and financial institutions; however, these companies do not use your personal information for any secondary purposes. Businesses and other financial institutions with which we have a written joint marketing agreement to offer a broader array of offline products and services. Joint marketing agreements include confidentiality provisions to protect customer information. These agreements prevent third parties from making your information available for any reason other than that which was intended. Examples of businesses with whom we have entered into joint marketing agreements include mortgage servicing companies, loan aggregation companies, and outsourced software solution providers. Companies that performs marketing or other business or professional services on our behalf such as businesses that perform mailing services or customer surveys. We have written agreements with these companies that include confidentiality provisions to protect customer information. Consumer and credit reporting companies Our affiliates, in order to provide you with expanded lending and credit related products. There are other situations when we may disclose to third parties your personally identifiable information when permitted or required by law such as in response to legal process or to government entities or when you have requested us to share information about you with a third party. |
Information About Former Customers
We will not share information collected about former customers, except as may be permitted or required by law. Email information about former customers is held for re-marketing purposes unless the user has un-subscribed. If you would like to un-subscribe write to us at: XpressCapital LLC151 S Rose St. Ste., 777
Kalamazoo, MI 49007
Protecting Children's Privacy Online
From our web site, we do not knowingly collect or use personal information from people under 18 years of age. Should a child whom we know to be under 18 send us personal information, we will only use that information to respond directly to that child, seek parental consent, or provide parental notice. We are not responsible for the data collection and use practices of non-affiliated third parties to which our web site might link.Safeguarding Your Privacy
All XpressCapital LLC customers, affiliates, and partners have a responsibility to Safeguard their financial information. Protect your account logins and passwords.Privacy Choices
To opt-out of promotional e-mail messages from XpressCapital, XpressCapital Finance, YourXpressAgent, or XpressCapital Premium Finance please follow the steps below:c/o Direct Marketing Association
P.O. Box 643
Carmel, NY 10512
Telephone Preference Service
c/o Direct Marketing Association
P.O. Box 1559
Carmel, NY 10512
To reduce the amount of email advertising, use the opt-out service at www.dmaconsumers.org. National Do-Not-Call Registry You can reduce the number of unwanted phone calls to your home by calling 1-888-382-1222 or registering your phone number at www.fcc.gov/cgb/donotcall.
Administration and Amendments
Administration - Since no policy can address every possible contingency and circumstance, XpressCapital LLC. management shall use its good faith business judgment in administering XpressCapital's privacy policy. This document is intended to provide guidance to XpressCapital's management, employees, customers, affiliates and partners and is not intended to create enforceable legal rights in any individual. Exceptions to this policy may not be authorized by any XpressCapital LLC representative other than XpressCapital's President.
