Effective Date: June 28, 2017
Protecting Your Confidential Information
We take seriously our obligation to safeguard your Confidential Information. Information is accessible only to employees who use it in order to provide products or services to you and your company. A Code of Conduct, set forth in our Employee Manual and other related documents, dictates our expectations for professionalism and integrity and binds all our employees. We also maintain physical, electronic, and procedural safeguards to ensure the confidentiality of your information. We monitor new technology and upgrade our systems as needed to best protect your information. When you enter sensitive information (such as a Social Security number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL). 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 firstname.lastname@example.org.
Protecting Disclosure of Information to Non-Affiliated Third Parties
We never sell Confidential Information to others. We may share information with other companies hired to provide services for us such as ordering credit bureaus, sending emails, and processing credit card payments. These companies – our vendors – are contractually bound to use personal information we share with them only to perform the services we have hired them to provide. We do not share, sell, or lease personal information about you to any third parties for their marketing use. We will release information about you if you direct us to do so, if we are required by law to do so, or in other legally limited circumstances (for example, to protect your account from fraud).
We may gather Confidential Information from the following sources: Information you provide on applications and through other forms, such as your name, address, social security number, ACH bank information, credit card information, information from a credit reporting agency, such as creditworthiness and credit history to help us with customer authentication, payment processing and credit-related decisions, or data from your use of our web site.
When you visit our mobile website, we automatically collect information on the type of device you use, operating system version, and the device identifier (or “UDID”).
Using Confidential Information to Serve You
In general, you can visit this Web site without telling us who you are or revealing any information about yourself. Our web servers collect the domain names, not the e-mail addresses, of visitors. Our web servers also seek (as many Web sites do) to place a “cookie” (a small data file) on your computer’s hard drive which allows the server to determine the computer when it visits again, in order to track statistical information about navigation through our site. This cookie is not used to obtain your name or any personal data, and the information that is tracked is used only for internal purposes, such as to improve site navigation, and is not shared with any third parties outside of Balboa Capital. However, if you prefer not to accept cookies, you can set your browser to reject them or to alert you before one is placed.
We generally let you know at the time of collection how we will use the personal information. Usually, we use the personal information you provide only to respond to your inquiry or to process your request. We gather and use Confidential Information in the course of providing you with financial products and services.
Other Tracking Technologies
As is true of most web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We do link this automatically collected data to other information we collect about you.
Technologies such as: cookies, beacons, tags and scripts are used by Balboa Capital and our partners [Marketo, Google Analytics], affiliates, or analytics 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 also use mobile analytics software to allow us to better understand the functionality of our Mobile Website on your phone. This software may record information such as how often you use the site, the events that occur within the site, aggregated usage, performance data, and where the mobile site was accessed from. We do not link the information we store within the analytics software to any personal information you submit within the mobile site.
We use Local Storage, such as HTML5, to store content information and preferences. Third parties with whom we partner to provide certain features on our website or to display advertising based upon your web browsing activity also use HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5.
We partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests.
Disclosing Information as Permitted by Law
In certain situations, Balboa Capital may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
We may also disclose Confidential Information with your consent or as otherwise permitted by law and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request. For example, this may include disclosure to a credit-reporting agency or in response to a subpoena or other legal process. It may also include disclosure to protect against fraud, as part of an audit or examination. We do not share Confidential Information about former customers, except as permitted by law.
If Balboa Capital is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your Confidential information, as well as any choices you may have regarding your Confidential information.
User Access and Choice
Upon request Balboa Capital will provide you with information about whether we hold any of your personal information. If your information changes, or if you no longer desire our service, you may correct, update, amend, delete or deactivate it by making the change on your account or by emailing our Customer Support at email@example.com. We will respond to your request to access within 30 days.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or you can contact us at firstname.lastname@example.org.
Links to 3rd Party Sites
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 email@example.com.
Social Media Widgets
Changes to This Policy
If you have any questions, please contact us:
Balboa Capital Corporation
575 Anton Boulevard, 12th Floor
Costa Mesa, CA 92626
Tel: (888) BALBOA1 (888) 225-2621