Collection of personal information:

Advance Factor may collect public and nonpublic information about its customers from the following sources:

• Applications, forms, and other information provided to us by our customers: This information may be collected in writing, through fax, in person, electronically, by telephone, or by any other means. This information may include, but is not limited to: names, addressees, email addresses, telephone numbers, fax numbers, employment information, gender, income history, credit references and Social Security Numbers.
• Transactions completed with Advance Factor and any of our affiliates: Advance Factor's affiliates can include trade references, financial institutions, governmental agencies, or any other entity that we have dealings with during the normal course of doing business.
• Information collected through pubic records: This information can include real estate records, telephone numbers or any other information that is publicly accessible.

Collection of information through the website:

• Advance Factor may collect information through our website that is personally identifiable information. We do collect statistical information regarding the website traffic, and this information may identify the individual user or visitor.
• Advance Factor sometimes uses cookies to store and, in some cases, track information. The definition of a cookie is a small amount of data that is transferred from our website to your computer's hard drive. Periodically we may give any other company access to these cookies placed on your computer by Advance Factor. You can edit your browser to not accept cookies. However, some features of our site may not function as well if you do not accept cookies.
• Advance Factor may automatically track and collect the IP address of your computer, as part of the demographic and profile data known a traffic data. Your IP address is a number that is used on the network to identify your computer.

Disclosure and protection of information:

• To the extent permitted or required by law, we may disclose the information we collect, as descried above, to affiliates, banks, business partners, and to our staff and representatives who service our customers. In order to ensure the accuracy and security of our information and to ensure it is updated, we implement the following procedures and processes:


1. With current information of our customers, we attempt to keep the records current and accurate. If any of our customers have reason to believe that Advance Factor's records are not current or are inaccurate, we request that they contact us directly so we can update our records.
2. In reference to Advance Factor's employees, they have been educated on the importance of customer confidentiality and privacy, and have been trained in the proper handling of customer information, and have been instructed to adhere to the strict security measures we have put into place. Employees only have access to information that they will need as part of the completion of day to day business services and in the process of providing its customers the relevant products and services requested.
3. All information Advance Factor collects, that is stored electronically, is secured by technology that is reasonably available. This includes, but is not limited to, data encryption and firewalls.
4. Advance Factor usually does not share, sell, lend or lease any of the information that uniquely identifies our customers, such as an email addresses or personal details, with anyone except to the extent that we need to process a transaction and provide you a product or service that you have requested.

Changes in ownership or acquisition:

• In the event that Advance Factor's ownership changes, your information will be considered part of those assets, and may be part of the assets that are transferred, and will thus be under the new privacy policy of that company.

Changes to the Privacy Policy:

• Advance Factor has the right to change their Privacy Policy at any time. It may notify its customers via email or post a notification on its website. Your use of the Advance Factor site, following the notification of the changes to our Privacy Policy, will indicate that you accept those changes in our Policy.