At WorkingCapital, we prioritize your privacy.

This Privacy Policy outlines your options and rights concerning the handling, access, modification, or removal of your personal data. By utilizing our Site, you recognize and agree that your personal data will be processed as per this Privacy Policy. Where the law mandates, explicit and affirmative consent will be sought for the collection, processing, and dissemination of your personal data through cookies and similar technologies.

California residents’ notice: This Privacy Policy is designed to align with the California Consumer Privacy Act (CCPA) and other relevant California statutes.

Nevada consumers’ notice: This Privacy Policy aims to adhere to Nevada Senate Bill 220.

For inquiries or feedback about this Privacy Policy or our use of your personal data, please reach out to us using the contact information provided at the end of this document.

Overview

To improve, customize, and support your experience on the Site, we gather, utilize, and share your personal data. For instance, we use aggregate data to create content suited to user interests and enhance the overall user experience on the Site. As detailed further, your personal data may be used by WorkingCapital and its associates to customize content and advertisements, offer social media functionalities (like sharing content directly to your favored social platforms), track preferences, analyze traffic, and provide similar services and content. WorkingCapital is dedicated to protecting your privacy and will not disclose any personal data to third parties without your consent, except as stated in this Privacy Policy or as legally allowed. For any requests, comments, or queries about this Privacy Policy or your personal data, please contact us as indicated below.

Scope of This Privacy Policy

This Privacy Policy applies to the Site. You might find links to other websites on the Site, such as those related to our third-party sponsors, advertisers, and partners (like our affiliate network operators), but this Privacy Policy does not cover these external sites.

This Privacy Policy does not govern the practices of third-party sponsors, advertisers, and partners of WorkingCapital (e.g., our affiliate network operators) who might collect your personal data when you access or use their services in relation to our Site (like social media and sharing services). The privacy practices of these third parties fall outside this Privacy Policy’s scope. We advise you to read and understand the privacy policies of each third-party service you may use. This Privacy Policy is limited to personal data collected by us.

A word of caution: be mindful of what you post online. For instance, if you willingly share personal data in chat rooms or message boards (such as comments sections), that information could become public and may lead to unsolicited messages from others. We are not liable for the personal data you opt to share in these public areas. To request the removal of your personal data from our blog or community forum, please get in touch with us as mentioned below. Sometimes, due to legal retention requirements or technical constraints (like non-searchable data), we might not be able to delete personal data that you’ve voluntarily shared in these forums, in which case, we will inform you.

Collection of Information

Your personal data is collected when you engage with the Site. This might be data you provide or data gathered automatically. You can manage and adjust your preferences as outlined further.

Types of Information Collected

As you navigate the Site, various types of your personal data might be collected, used, and shared in different ways. As specified below, the nature of this data can vary depending on its source, but may include data that you voluntarily submit (like your contact details, social media handles, or professional information when setting up an account or registering on the Site), data automatically collected about your site usage (like your content preferences), and data shared with us by our third-party partners with your prior consent.

Consensual Information Provision

At WorkingCapital, we may collect personal data, including identifiable information, that you willingly provide or consent to share. For instance, when registering as a member of the Site, we might request your email address. You might also supply personal data in various other contexts, like on your member profile page, public profile URL, or when participating in sweepstakes, contests, or promotions. In cases where you make a purchase on the Site or one of our co-branded sites, additional details such as your physical address, phone number, and credit card information may be requested to complete the transaction. Remember, providing this information is optional, and choosing not to may limit your access to certain aspects and services of the Site. If you intend to provide information about a third party, like in a referral or recommendation, ensure you have their consent. When registering or providing information to WorkingCapital in any form, you agree to submit only truthful, accurate, current, and complete data.

Automated Information Collection

Our Site automatically collects specific user data from your device. In some regions, including California and the European Economic Area, this data might be regarded as personal under data protection laws.

The automatically collected data may include your IP address, device type, unique device identifiers, browser type, general location (like country or city), and other technical details. We also gather data on your interactions with our Site, such as visited pages and clicked links.

This collected information helps us better understand our Site visitors, their origins, and interests in our content. We use this data for internal analytics and to enhance our Site’s quality and relevance.

Much of this data is collected via cookies and similar tracking technologies, as detailed below.

Cookies Usage

A cookie is a small file your web browser writes to your computer’s hard drive. It can contain or automatically gather user information, like a user ID code or IP address. Our use of cookies may link to your user data, helping us understand your Site usage or provide personalized ads.

Specifically, cookies and similar technologies on the Site are used for:

• Tailoring content and ads to your preferences,
• Enabling social media functionalities,
• Protecting against spam and malware,
• Analyzing user behavior and traffic patterns,
• Site administration,
• Compiling demographic data of our user base,
• Tracking analytics across the Site and affiliate sites,
• Remembering your preferences and voluntarily provided information,
• Performing location-related analyses,
• Participating in market research,
• Continuously improving the Site.

Cookies can be categorized as follows:

Required Cookies: Essential for secure Site navigation and core functionalities. Without these, the Site may not perform optimally. They gather information like server preferences, session data, web beacons, log files, and credential-related data.

Functional Cookies: These collect and process information about your preferences for an optimized browsing experience. They include social media cookies (tracking your social media use) and analytics cookies (providing data for Site improvements).

Advertising Cookies: WorkingCapital and its advertising partners may use these cookies to personalize the content and ads you see. They enable targeted advertising based on your interests. Some advertising partners may also use these cookies to monitor their ad content performance.

To manage your cookie preferences or learn more about these practices, including your opt-out rights, you can visit the designated sections on our Site. Please be aware that disabling cookies might limit your ability to use certain Site features, especially those designed to personalize your experience. To understand more about cookies in online advertising and how to manage or delete them, you can explore further information provided on our Site.

Most web browsers accept cookies by default but usually allow users to alter settings to warn before accepting a cookie, accept cookies only from specific sites, or refuse all cookies. We encourage you to review your browser settings to control cookie usage as per your preference.

Utilization of Web Beacons

Web beacons, also known as pixel tags or clear GIFs, may be employed on our Site for various business purposes, such as recognizing users, analyzing traffic patterns, identifying preferred content, and gauging site engagement. We also include web beacons in our email messages, like newsletters, to measure the level of engagement (for instance, tracking how many emails are opened or which links are clicked).

WorkingCapital, along with our partners (including advertisers, ad servers, and e-commerce affiliates), might also use web beacons to gather data via your browser both on our Site and in other domains where we act as a third party. This data, often aggregated, may be linked to voluntarily submitted user information. However, we don’t control the use of cookies or other tracking technologies by these third parties and are not responsible for their privacy practices. For more information, we recommend reviewing their privacy policies.

Log File Analysis

Our web and ad servers log details like a user’s IP address, browser type, and the requested URL. Such information, typically provided by your browser and logged by most websites, is stored securely and used internally to analyze traffic patterns on our Site.

Information from Third-Party Sources

Occasionally, we might collect personal information about you from external sources, such as data append services, public or social graph data, or social media websites, especially if you connect your social media with our Site. We use this data for business purposes, like enhancing content or promotions, but only when these third parties have your consent or are legally obligated or permitted to share your personal information with us.

Purpose of Using Your Information

The primary aim of collecting, using, and sharing your information is to enrich your Site experience, support the Site, and improve its features and performance. We use your information based on valid legal grounds and for purposes like:

• Targeting Content and Advertising: We use your information to develop and deliver content and advertising tailored to your interests, based on analytics and assumptions drawn from browser-provided data, including geographic and demographic assumptions based on your IP address.
• Interactive Site Communications: We may send you interactive notifications related to your chosen topics or contributors, provided you’ve given explicit permission for such communications as part of your user profile or where legally permitted.
• Communications from Third Parties: While we respect user privacy and don’t distribute our user list without permission, we may rent out the list of registrants who have consented to receive third-party offers. In such cases, your email address is shared with the third party, but you can withdraw your consent or modify your information by contacting us.

Information Sharing Practices

Your voluntary provision of information during Site usage may lead to sharing with WorkingCapital affiliates, business partners, vendors, and service providers who support our business activities. These third parties, engaged for various services like hosting or email, are prohibited from using your information for other purposes. For credit card processing, we don’t collect, store, or process any details, and the third parties involved are similarly restricted in their use of your information.

When you participate in advertiser promotions, your information is directly provided to the advertiser. Similarly, attendee information for live events might be shared with event sponsors, subject to legal requirements. California residents can opt out of such activities as specified on our Site.

We may occasionally conduct contests or surveys on our Site, requesting information like your name and email. Participation is voluntary, and this information is used to notify winners and award prizes. Third-party service providers conducting these surveys or contests are forbidden from using your information for any other purposes.

Our Site allows login via social media, which can bridge your social media login information with our Site. These services may collect certain information like your name and email address and allow you to share your activities on your social network. Social media features and widgets, hosted by third parties or directly on our Site, are governed by the privacy policies of the companies providing them.

Widgets hosted on our Site, such as our embeddable video player, are subject to our Site’s terms of use, but their use on other websites isn’t covered by this privacy statement.

Sharing Aggregate Information with Advertisers

WorkingCapital generates most of its revenue from advertising and affiliate networks on the Site, making information sharing key to offering affordable services to users. To attract and retain advertisers, we utilize aggregated information from our collection and third-party market researchers to describe our services to partners and help advertisers and sponsors better understand our audience.

We collaborate with third-party ad networks to display advertisements on the Site or manage our advertising on other websites. These partners use cookies and web beacons to gather information about your activities on our Site and others, aiming to provide you with targeted ads based on your interests.

Should you prefer not to have your information used for targeted advertising, you can opt out or modify your choices as described in the relevant section. Note that opting out will not prevent you from seeing ads; they will simply be less targeted.

Service Provision Necessities

Occasionally, we employ other companies for limited services like processing and delivery of newsletter mailings, transaction processing, or statistical analysis of our services. These companies receive only the necessary user information to perform their tasks and may sometimes collect it directly from you, in which case you will be informed. These companies are bound by confidentiality agreements and are prohibited from using the information for other purposes.

In Case of Sale or Bankruptcy

If WorkingCapital undergoes a sale, merger, public offering, bankruptcy, acquisition, or other control changes, your user information might be shared with the new owner or controlling party, under the condition that it is used only as outlined in this Privacy Statement.

Legal Obligations

WorkingCapital may disclose your user information if required by law enforcement, regulatory agencies, courts, or when necessary to protect safety, investigate fraud, comply with legal proceedings, or defend our rights.

Your Consent

We may also share your user information with others if we have your explicit consent.

EEA Visitors Notice

For visitors in the European Economic Area (EEA), we process your user information only with a lawful basis, such as consent, contract necessity, or legal obligations. Our processing depends on the specific context, and we may also use your information based on legitimate interests, which are balanced against your privacy rights.

Controlling Your Information

You have rights regarding the control and use of your user information.

Upon request, we’ll inform you whether we hold any of your information. You can opt out of marketing communications or modify your personal account and submitted information. EEA residents have additional rights, including access, correction, deletion, or portability of their information, and can withdraw consent for processing based on consent.

For California residents, specific rights under the CCPA allow you to request information about the sharing of your data for marketing purposes, disclosure of personal information we collect, use, and sell, and the right to request deletion of your information.

Nevada consumers can submit requests under Nevada Senate Bill 220 as outlined below.

To make any requests, contact us via the provided email, and we may require additional information to confirm your identity. We aim to respond within 30 days or within the legal timeframe.

Cookie preferences can be modified as explained in the Cookies section above. For any queries, please reach out to us using the contact details below.

Data Retention Practices

We hold onto your user information as long as your account remains active or as needed for providing Site services, except in cases where you revoke consent or request deletion of specific information. We may also keep certain information for valid business needs (like for essential Site functions, legal, tax, or accounting purposes).

When there’s no longer a legitimate business need for your user information, we’ll either delete or anonymize it. If deletion isn’t feasible immediately (for instance, if the data is in backup archives), we’ll securely store and isolate it from further processing until deletion is possible.

Ensuring Security

The security of your user information is a priority. We employ suitable technical and organizational measures to protect it, tailored to the risks involved in processing your information. However, please remember that no internet data transmission is ever completely secure. Your data, stored on servers in the United States, is handled with care and protection. If you suspect any breach of your privacy, please reach out to us using the contact details provided.

Privacy for Minors

Our Site is designed for individuals 16 years of age and older. If you are under 16, please refrain from providing any personal information. We do not intentionally collect data from children under 16. Should we discover such collection, we will delete the data from our records and terminate any corresponding accounts. We advise minors to discuss their online activities with a parent or guardian.

International Data Transfers

Your information may be transferred and processed in countries other than your own, especially if you access the Site from outside the United States. While these countries may have differing data protection laws, we ensure that your information remains protected in line with this Privacy Statement. WorkingCapital adheres to the EU-U.S. and Swiss-U.S. Privacy Shield Frameworks, ensuring the protection of data transferred from the EU, the UK, and Switzerland to the U.S. For unresolved privacy or data use concerns, our U.S.-based third party dispute resolution provider can be contacted.

Do Not Track Signals

Currently, our Site does not respond to Do Not Track signals set in your web browser. These signals indicate a preference not to have your webpage visits tracked across different websites.

Contact Information

For any inquiries or requests, please reach out to us. Specific contact details are provided for individuals in the EEA under the GDPR, California residents under the CCPA, and Nevada consumers under Senate Bill 220. General questions or requests regarding this Privacy Statement can be directed to help@working-capital.com or (833) MY-LENDR. California residents with disabilities requiring alternative formats of this Privacy Statement can contact us through the mentioned methods. A printable version of this Privacy Statement is available by printing this page.

Updates to the Privacy Statement

We may periodically update this Privacy Statement to reflect legal, technical, or business changes. The current statement covers our practices for the 12 months preceding the last update. We will notify you of significant changes through email or a notice on the Site. Where necessary, we will seek your consent for any major changes, in accordance with applicable laws. We recommend reviewing this page periodically for the latest information on our privacy practices.