Your use of the MyBusinessLoan.com web site constitutes your agreement to all of the following terms.
The contents of this site are the property of MyBusinessLoan.com or its affiliates or subsidiaries unless otherwise indicated, and protected by copyright and trademark laws. The content of the web site may not be downloaded, distributed, published, or transferred without the prior written consent of MyBusinessLoan.com.
1. Information That We Collect
When you visit our Site, we receive and collect certain information about you. The information that we receive and collect depends in part on what you do when you visit our Site. You may be able to improve your experience on our Site when you tell us who you are – for example, by signing up for e-mail or newsletters, applying for products or services, conducting transactions online, making inquiries, or requesting further information about a product or service.
Some of the information you may submit is personally identifiable information, but much of it is not. Personally identifiable information is information that identifies a particular person. Examples include your name, phone number, address, and social security number. It is possible to browse our Site without actively submitting any personally identifiable information.
We may use this information for a number of purposes, for example, to better service your requests and/or inquiries, monitor Site usage and/or performance, improve the customer experience of our Site, ensure technological compatibility with your computer or other electronic or mobile device (collectively “Computer”), protect against fraud or identity theft, protect against or investigate suspected online criminal activity, or conduct aggregate analyses on usage patterns.
Automatically Collected Information
Every time you visit a Site, some information is automatically collected from you. This information may include, but is not limited to, some or all of the following items: your Internet Protocol (IP) address; geo-location of your computer; type and version of Internet browser software and operating system you use; date, time, and duration of your Site access; specific pages, buttons, images, videos, links, or forms that you access while visiting the Site; type of device (e.g. iPad®, iPhone®, Android™); mobile carrier and/or Internet Service Provider; and demographic information concerning the country of origin of your Computer and the language(s) used by it.
We currently do not process or comply with any web browser’s “do not track” signal or other similar mechanism that indicates a request to disable online tracking of individual users who visit our websites or use our services.
Information Collected via Cookies
Information Collected via Flash Objects and Other Similar Technology
In addition to using cookies, we and/or our third party advertising service providers may also use similar technologies to track users’ interactions with our Site. Some of these technologies include web beacons (transparent graphical images placed on a website), pixels, tags, and Flash objects (also referred to as “Local Shared Objects”). Please refer to your browser’s instructions to remove cached Sites, history, and images from your Computer. Deleting or disabling cookies will not remove Flash objects or Local Shared Objects. Instead refer to Adobe’s website for more information on how to control or disable these items.
Additional Information on Online Behavioral Advertising
We and other third parties may collect personally identifiable information about your online activities over time and across different web sites when you use our Site. Some of the advertisements that click-through to our Site and/or may be on our Site contain cookies that allow for the monitoring of your response to these advertisements (sometimes referred to as interest-based advertisements). Our advertisements may also appear on other websites that use the same advertising service providers as us. These advertising service providers may use your browsing history across websites to choose which advertisements to display to you.
If you do not wish to have us and/or our third party advertising service providers know which advertisements and subsequent websites you have viewed, you may opt-out at www.aboutads.info (established by the Digital Marketing Alliance ). The Digital Marketing Alliance website contains important information on cookies, behavioral advertising, and what opting out will and will not do and choices you can make regarding interest-based advertisements.
Please note: opting out of behavioral advertising will not stop you from receiving advertisements. You will still see the same number of advertisements as before, but they may not be as relevant to you. If you use other Computers or browsers and want to opt out of interest based advertisements, you will need to repeat this process for each Computer or browser. If you delete your Cookies and want to continue to be opted out of interest based advertisements you will have to repeat this opt-out process.
Some Reasons for Use
We may use these technologies on our Site to verify your identity, remember personal settings including your preferences, to offer you additional options or enhance your online experience, and to improve our products and services. We may also use them for marketing site personalization, and tracking of online applications and programs and/or track the effectiveness of advertisements for our products and services that we may place on our Site or other linked and/or partner websites. Cookies used for tracking advertising effectiveness do not collect personally identifiable information. In order to better serve you, some of these technologies allow us the ability to view your past interactions with our Sites and/or online banking environment for customer service, troubleshooting, risk analysis and fraud detection, as well as other related purposes.
2. Information You Choose to Submit
For all of the browsing on our Site, we neither require nor collect personally identifiable information. You can browse our Site and take as much time as you want to review our services without having to submit such information.
3. E-Mail and Electronic Communications
Forms of communication such as, e-mail, text messaging, submission via social media (e.g. Facebook, Twitter, LinkedIn, Pinterest, Google +, or YouTube), online chat, Channel feedback, app stores, (Google Play™, App Store℠) or other forms of electronic communication are inherently insecure. Please refrain from submitting sensitive personal information (such as account number or social security number) via e-mail or similar method of communication.
When you send an e-mail or other electronic communication to us, you are communicating with us electronically and consent to receive reply communications from us or our providers electronically. We may retain the content of the e-mail, electronic communication, your e-mail address, unique identifier (such as Facebook or Twitter user name), and our response in order to better service your needs or for audit, legal, regulatory or other business-related reasons.
Because normal Internet email transmissions may not be secure, we request that you do not send us or request sensitive information such as account numbers, passwords and payment information via any public email system. For time-sensitive information, please contact MyBusinessLoan.com at 800.222.2299. The Bank generally will acknowledge emails within one (1) business day.
4. Social Media
5. Personal Information on Children
We respect the privacy of your children and encourage all parents to supervise their children’s Computer usage. We do not knowingly collect or retain personal information from children under the age of thirteen. We advise all visitors to our Site under the age of 13 not to disclose or provide any personally identifiable information on our Site. To learn more about the Children’s Online Privacy Protect Act (COPPA) please visit the Federal Trade Commission’s website.
6. Third Party Websites
7. Additional Uses or Sharing of Your Information
In response to judicial or other governmental subpoenas, warrants and court orders served on us in accordance with their terms, or as otherwise required by applicable law;
8. Online Security
We maintain security standards that are designed to protect your information as it is transmitted from your Computer to our network. This technology is called Secure Socket Layer (SSL). SSL is the leading security protocol for data transfer on the Internet and helps to protect the safety and confidentiality of your online banking information. You play a critical role in protecting your information by maintaining up to date Computer security protections and by reviewing your statements promptly. For more information on protecting your electronic information, please visit www.staysafeonline.org.
9. How to Protect Your Personally Identifiable Information
You have a role in helping us by safeguarding your information from others. You have several options when deciding how you can best protect your personally identifiable information. One option is simply not to volunteer it. The Federal Trade Commission’s websites (www.ftc.gov, www.ftc.gov/idtheft, http://www.business.ftc.gov/, and www.onguardonline.gov) offer useful information about how to protect your personally identifiable information.
10. Suspicious E-Mail
We will never e-mail you or send you electronic communications to request sensitive personal information or account information over the Internet or by any other means. Help protect yourself against online fraud – if you suspect that an unsolicited e-mail or other electronic communication is fraudulent, please contact us toll-free at 1-800-222-2299 or by e-mail at ([email protected]).
11. Mobile Applications
MyBusinessLoan.com Company Mobile Banking Applications (“Applications”) allow you to access your account balances, make deposits, make transfers and pay bills on your mobile device in accordance with our Online Banking Service Agreement. This Notice applies to any personally identifiable information or other information that we may collect through our Applications.
12. Notice to Persons Accessing this Site Outside the United States
If you reside outside the U.S., any information you provide to us on our Site will be transferred out of your country and into the U.S. If you do not want your personally identifiable information to leave your country, do not provide the information to us. By providing personally identifiable information to us, you explicitly consent to the transfer of your information to the U.S.
14. Governing Law
Use of this site is governed by applicable federal laws of the United States of America and the laws of the Commonwealth of Massachusetts. The courts sitting in the Commonwealth of Massachusetts shall have exclusive jurisdiction over all disputes arising out of or relating to the contents or use of this web site.
15. Questions or Comments