This Privacy Policy governs the manner in which CNC RICH GROUP, LLC and its parents, subsidiaries and
affiliates (collectively “CNC RICH GROUP”, “we,” “our,” or “us”) collects, uses, maintains and discloses
information collected from users (each, a “User”) of the smartbizfund.com website (“Site”). This Privacy
Policy applies to the Site and all products and services offered by CNC RICH GROUP.
Personal identification information.
Personal identification information.
CNC RICH GROUP may collect personal identification information from Users in a variety of ways,
including, but not limited to, when Users visit our site or use mobile applications; register on the site; fill out
any part of the form on our website or any webpage on our website; open and respond to our e-mails; open and
respond to our text messages; visit any page online that displays our ads or content; visit any of our blogs,
social media outlets, or affiliated websites; directly call CNC RICH GROUP or its affiliates with phone
numbers provided through any and all marketing and lead generation sources; provide information to CNC
RICH GROUP employees through e-mail, phone, text message, or facsimile; interact with our advertising and
applications or third-party websites and services, if those applications or advertising include links to this
policy; and in connection with other activities, services, features or resources we make available on our Site.
Users may be asked for, as appropriate, name, email address, mailing address, phone number, social security
number, business information including the business name, EIN, size, type and financial information
including bank statements, credit card statements, average bank balance, personal and business credit history,
payment history bank account information and tax information. When required, we will collect information
on the beneficial owners of our business customers for the purpose of verifying identity only. The US
Government implemented the beneficial ownership regulation to help deter financial crimes. Pursuant to our
privacy policy and procedures, we will maintain beneficial ownership information in our system. Users may,
however, visit our Site anonymously. We will collect personal identification information from Users only if
they voluntarily submit such information to us. Users can always refuse to supply personal identification
information, except that it may prevent them from engaging in certain Site related activities.
Non-personal identification information.
We may collect non-personal identification information about Users whenever they interact with our Site.
Non-personal identification information may include the browser name, the type of computer and technical
information about Users means of connection to our Site, such as the operating system and the Internet service
providers utilized and other similar information.
Web browser cookies.
Our Site may use “cookies” to enhance User experience, provide us with useful information, to help us
improve our Site and Services, to conduct advertising and to analyze the effectiveness of advertising. User’s
web browser places cookies on their hard drive for record-keeping purposes and sometimes to track
information about them. User may choose to set their web browser to refuse cookies, or to alert you when
cookies are being sent. If they do so, note that some parts of the Site may not function properly. Please note that
cookies may be linked to personal information about you.
How You Can Opt-Out of Cookies.
You can block Cookies by changing your Internet browser settings. You can find out more about Cookies and
how to manage them by visiting www.aboutcookies.org or www.allaboutcookies.org.
How we use collected information.
CNC RICH GROUP may collect and use User’s personal information for the following purposes:
- To verify your identity and conduct appropriate due diligence;
- To register you as a user and identify you when you sign into your account;
- To process your business’ application and determine whether or not your business qualifies for our products;
- To service your business product account, including but not limited to deducting automatic remittances;
- To compile, save, use and analyze your Personally Identifiable Information in both a personally identifiable form and as part of aggregated data;
- To operate, maintain, improve and provide to you the Services and to conduct our business activities, including our own products and referring you to our affiliates and third party collectors;
- To communicate with you regarding your account, respond to customer service requests, send marketing
communications, and send account update notifications;
- To conduct tests, research and analyses to better understand our customers;
- To communicate with you about our Site or Services or to inform you of any changes to our Site or Services;
- To provide support;
- To maintain and improve our Site and Services;
- To protect the security and integrity of our Site and Services;
- To investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving
potential threats to the physical safety of any person, or violations of our Terms of Use, and to otherwise
fulfill our legal obligations;
- To monitor compliance with and enforce this Privacy Policy and any other applicable agreements and
policies;
- To defend our legal rights and the rights of others;
- To fulfill any other purposes for which you provide it, or any other purpose we deem necessary or appropriate;
- To efficiently maintain our business;
- To comply with applicable law; and
- To produce data analytics and reports containing de-identified summaries of Personally Identifiable
Information and other information that is not Personally Identifiable Information (such information,
“General Information”) that we share with business partners. General Information may include Personally
Identifiable Information that has been aggregated and will not identify you.
How We Share Your Information.
We may share the information that we collect about you in the following ways:
To personalize user experience.
- We may use information in the aggregate to understand how our Users as a group use the services
and resources provide on our Site.
To improve our Site.
- We may use feedback you provide to improve our products and services. To share you information
with third parties We may share or sell information with third parties for marketing or other purposes.
To send periodic emails.
- We may use the email address to send User information and updates pertaining to their order. It may
also be used to respond to their inquiries, questions, and/or other requests. If User decides to opt-in to
our mailing list, they will receive emails that may include company news, updates, related product or
service information, etc. If at any time the User would like to unsubscribe from receiving future
emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact
us via our Site.
To send updates about your revenue-based financing.
- We may use your cell phone number to contact you through text messages. By supplying
CNC RICH GROUP with your mobile phone number you acknowledge and consent to receive sms
text messages, this includes receiving offers and updates via text message. Msg. & Data rates may
apply. To Opt-out text STOP as directed in our text message on your mobile phone. You will receive
a confirmation text that you have been opted out.
How we protect your information.
We adopt and maintain commercially reasonable security measures to protect the Personally Identifiable
Information we collect and store from loss, misuse, destruction, or unauthorized access. However, no security
measure or modality of data transmission over the Internet is 100% secure. Although we strive to use
commercially acceptable means to protect your Personally Identifiable Information, we cannot guarantee
absolute security. If you allow us to see your banking information online rather than in paper form, it is on a
read-only basis. We do not have access to change, edit, or modify bank account information in any way.
Employees cannot view your banking username and passwords. Sensitive and private data exchange between
the Site and its Users happens over a SSL secured communication channel and is encrypted and protected with
digital signatures.
Third Party Links.
The Site and Services may contain links that will let you leave the Site and Services and access another
website. Linked websites are not under our control. Except as stated below, this Privacy Policy applies solely
to Personally Identifiable Information that is acquired by us on this Site and Services. We accept no
responsibility or liability for these other websites.
Notice to Nevada Residents.
Nevada law allows Nevada residents to opt out of the sale of certain types of personal information. Subject to
several exceptions, Nevada law defines “sale” to mean the exchange of certain types of personal information
for monetary consideration to another person. We do not currently sell personal information as defined in the
Nevada law. However, if you are a Nevada resident, you still may submit a verified request to opt out of sales
and we will record your instructions and incorporate them in the future if our policy changes.
You may send
opt-out request
to contact@smartbizfund.com.
Notice to California Residents.
The California Consumer Privacy Act, as amended by the California Privacy Rights Act of 2020
(“CCPA”), requires that we provide California residents with a privacy policy that contains a
comprehensive description of our online and offline practices regarding the collection, use, disclosure,
sale, sharing, and retention of personal information and of the rights of California residents regarding their
personal information. This section of the Privacy Policy is intended solely for, and is applicable only as to,
California residents. If you are not a California resident, this section does not apply to you and you should
not rely on it.
The CCPA defines “personal information” to mean information that identifies, relates to, describes, is
reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a
particular California resident or household. Personal information does not include publicly available,
deidentified or aggregated information or lawfully obtained, truthful information that is a matter of public
concern. For purposes of this “Notice to California Residents” section we will refer to this information as
“Personal Information.”
Notice of Collection of Personal Information.
We currently collect the following categories of Personal Information:
- Identifiers (name, postal address, online identifier, Internet Protocol address, email address, account
name, Social Security number, driver’s license number, passport number)
- Unique personal identifiers (device identifier; cookies, beacons, pixel tags, mobile ad identifiers, or
other similar technology)
- Telephone number
- Signature
- Bank account number
- Other financial information, including bank statements, credit card statements, average bank balance,
personal and business credit history, payment behavior, and tax identification number
- Internet or other electronic network activity information (browsing history; search history; and
information regarding consumer’s interaction with website, application or advertisement)
- Geolocation data
- Commercial information (records of personal property and personal credit information)
- Professional or employment-related information (including employment history)
- Characteristics of protected classifications under California or federal law (age 40 and older)
- Audio or similar information (recordings for monitoring and training purposes)
- Inferences drawn from above information to create a profile about a consumer reflecting the
consumer’s preferences, characteristics, psychological trends, behavior, and abilities
We collect Personal Information directly from California residents and from agents, referral partners
brokers, or credit reporting agencies. We do not collect all categories of Personal Information from each
source.
In addition to the purposes stated above in the Section “How We Use Your Information” we currently
collect and have collected the above categories of Personal Information for the following business or
commercial purposes:
- Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad
impressions, and auditing compliance with this specification and other standards;
- Helping to ensure security and integrity to the extent the use of your Personal Information is reasonably
necessary and proportionate for these purposes;
- Debugging to identify and repair errors that impair existing intended functionality;
- Short-term, transient use, including, but not limited to, non-personalized advertising shown as part of
your current interaction with us, provided that your Personal Information is not disclosed to another
third party and is not used to build a profile about you or otherwise alter your experience outside the
current interaction with us;
- Performing services, including maintaining or servicing accounts, providing customer service,
processing transactions, verifying customer information, providing financing, or providing similar
services;
- Providing advertising and marketing services, except for cross-context behavioral advertising, to you
provided that, for the purpose of advertising and marketing, our service providers and/or contractors
shall not combine the Personal Information of opted-out consumers that the service provider or
contractor receives from us, or on our behalf with Personal Information that the service provider or
contractor receives from, or on behalf of, another person or persons or collects from its own
interaction with you;
- Undertaking internal research for technological development and demonstration;/li>
- Undertaking activities to verify or maintain the quality or safety of a service and to improve, upgrade, or
enhance the service;
- Advancing our commercial or economic interests, such as by inducing another person to buy, rent, lease,
join, subscribe to, provide, or exchange products, goods, property, information, or services, or
enabling or effecting, directly or indirectly, a commercial transaction.
Sale, Sharing, and Disclosure of Personal Information.
The CCPA defines “sale” as the transfer of Personal Information for monetary or other valuable
consideration. Although we do not “sell” Personal Information as that term may be commonly interpreted, we
engage in online activities that may constitute a sale or a share of Personal Information under California law.
This may include showing you advertisements on other websites.
We disclose Personal Information for the following business or commercial purposes:
- Help ensure security and integrity to the extent the use of your Personal Information is reasonably
necessary and proportionate for these purposes;
- Performing services, including maintaining or servicing accounts, providing customer service,
processing or fulfilling orders and transactions, verifying customer information, processing
payments, and providing financing;
- Advancing our commercial or economic interests.
We do not knowingly collect, sell, or share the Personal Information of consumers under 18 years of age. We
do not collect or process sensitive personal information for the purpose of inferring characteristics about
individuals.
Retention of Personal Information.
We retain your Personal Information for as long as your account is active or as necessary to fulfill the
purposes for which we collect it, such as to provide you with the service you have requested, and for the
purpose of satisfying any legal, accounting, contractual, or reporting requirements that apply to us.
Your Rights.
If you are a California resident, you have the following rights with respect to your Personal Information:
- The right to know what Personal Information we have collected about you, including the categories of
Personal Information, the categories of sources from which we collected Personal Information, the
business or commercial purpose for collecting, selling or sharing Personal Information (if applicable), the
categories of third parties to whom we disclose Personal Information (if applicable), and the specific
pieces of Personal Information we collected about you;
- The right to delete Personal Information that we collected from you, subject to certain exceptions;
- The right to correct inaccurate Personal Information that we maintain about you;
- If we sell or share Personal Information, the right to opt out of the sale or sharing;
- If we use or disclose sensitive Personal Information for purposes other than those allowed by the CCPA and
its regulations, the right to limit our use or disclosure; and
- The right not to receive discriminatory treatment by us for the exercise of privacy rights the CCPA confers.
How to Submit a Request to Know, Delete, and/or Correct.
You may submit a request to know, delete, and/or correct by emailing us at contact@smartbizfund.com or
by calling us at: 213.215.9005.
If you are submitting a request on behalf of a California resident, please submit the request through one of the
designated methods discussed above. After submitting the request, we will require additional information to
verify your authority to act on behalf of the California resident.
Our Process for Verifying a Request to Know, Delete, and/or Correct
We will comply with your request upon verification of your identity and, to the extent applicable, the identity
of the California resident on whose behalf you are making such request.
We will verify your identity either to a “reasonable degree of certainty” or a “reasonably high degree of
certainty” depending on the sensitivity of the Personal Information and the risk of harm to you by unauthorized
disclosure, deletion, or correction as applicable.
For requests to access categories of Personal Information and for requests to delete or correct Personal
Information that is not sensitive and does not pose a risk of harm by unauthorized deletion or correction, we
will verify your identity to a “reasonable degree of certainty” by verifying at least two data points that you
previously provided to us and which we have determined to be reliable for the purpose of verifying identities.
For requests to access specific pieces of Personal Information or for requests to delete or correct Personal
Information that is sensitive and poses a risk of harm by unauthorized deletion or correction, we will verify
your identity to a “reasonably high degree of certainty” by verifying at least three pieces of Personal
Information you previously provided to us and which we have determined to be reliable for the purpose of
verifying identities. In addition, we may request that you submit a signed declaration under penalty of perjury
stating that you are the individual whose Personal Information is being requested.
To verify your request, we will match the personal information you submit with the information we have
about you. If we cannot conclude your information matches what we have, you may be directed to contact us
with further instructions to assist us in responding to your request. To verify your request, we may ask you to
submit the following information:
- Your first and last name;
- The last 4 digits of your Social Security number;
- Your date of birth; and
- The name of your business
Right to Opt-out of Sale or Sharing of Personal Information.
If you are a California resident, you have the right to direct us to stop selling or sharing your Personal
Information. You may submit a request to opt out of sales or sharing by clicking on our website footer link:
“Do Not Sell or Share My Personal Information.” If you have enabled privacy controls on your browser (such
as a plugin), we will also treat that as a valid request to opt out.
Shine the Light Law.
We do not disclose personal information obtained through our Site or Services to third parties for their direct
marketing purposes. Accordingly, we have no obligations under California Civil Code § 1798.83.
Accessibility.
We are committed to ensuring this Privacy Policy is accessible to individuals with disabilities. If you wish to
access
Opt Out Choices.
E-Mail.
Use the unsubscribe link in the footer on any promotional or marketing e-mail or
email contact@smartbizfund.com.
You may call us at: 213.215.9005
Mobile Marketing.
Please text STOP as directed in our text message on your mobile phone. You will receive a confirmation text
that you have been opted out.
Changes to this Privacy Policy.
CNC RICH GROUP has the discretion to update this Privacy Policy at any time. When we do, we will revise
the updated date at the bottom of this page. We encourage Users to frequently check this page for any
changes to stay informed about how we are helping to protect the personal information we collect. You
acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and become
aware of modifications.
By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please
do not use our Site. Your continued use of the Site following the posting of changes to this policy will
be deemed your acceptance of those changes.
Contacting Us.
If you need help with our program, have any questions about this Privacy Policy, the practices of this Site, or
your dealings with this Site, please contact us at:
CNC RICH GROUP, LLC
4 Vantis Dr.
Aliso Viejo, CA 92656
contact@smartbizfund.com
