Privacy Policy
At Express Commercial Capital ("Express Commercial Capital," "we," "our," or "us"), we respect your privacy and are committed to protecting the personal information you provide when using our website and services. This Privacy Policy explains how we collect, use, maintain, disclose, and protect your information. By accessing our website or using our services, you agree to the practices described in this Privacy Policy.
Our Privacy Policy Covers
This Privacy Policy covers:
- Types of personal information we collect
- What we do with the personal information collected
- Cookies and third-party analytics
- Children's privacy
- Social media widgets
- Third parties
- Security
- User access
- Data retention
- Information posted to our site
- Third-party links
- International users
- Session time-outs
- What you can do to protect your personal information
- Your California privacy rights
- Changes to this policy
- Contact information
Types of Personal Information We Collect
We may collect information directly from you when you apply for financing, request information, contact us, subscribe to communications, or interact with our website.
The information we collect may include:
Personal Information
- Full name
- Email address
- Telephone number
- Mailing address
- Date of birth
- Government-issued identification information when required
Business Information
- Business name
- Business address
- Industry type
- Business ownership information
- Financial records and supporting documentation
Financial Information
- Income information
- Banking information
- Credit history
- Tax documentation
- Loan application information
Technical Information
- IP address
- Browser type
- Device information
- Operating system
- Website usage data
What We Do With the Personal Information Collected
We use the information we collect to:
- Process financing and loan requests
- Verify identities and eligibility
- Communicate with applicants and customers
- Provide customer support
- Improve our products and services
- Prevent fraud and unauthorized activities
- Maintain website functionality and security
- Comply with legal and regulatory requirements
- Conduct internal business operations
We may also use information to provide updates regarding products, services, and financing opportunities that may be of interest to you.
Cookies and Third-Party Analytics
Our website may use cookies, pixels, and similar tracking technologies to enhance user experience and improve website performance.
Cookies may be used to:
- Remember user preferences
- Analyze website traffic
- Improve website functionality
- Monitor website performance
- Support security measures
We may use third-party analytics providers, such as website analytics services, to help us understand how visitors use our website. These providers may collect information through cookies and similar technologies.
You may disable cookies through your browser settings; however, some website features may not function properly.
Children's Privacy
Our website and services are intended for adults seeking commercial financing solutions. We do not knowingly collect personal information from children under the age of 13.
If we become aware that information has been collected from a child without parental consent, we will take reasonable steps to delete the information promptly.
Social Media Widgets
Our website may include social media features such as share buttons, embedded content, and social media widgets.
These features may collect information such as your IP address, browser information, and interactions with the feature. Social media features are governed by the privacy policies of the companies providing them.
Third Parties
We may share information with trusted third parties when necessary to provide services and process financing requests.
These parties may include:
- Lending partners
- Financial institutions
- Credit reporting agencies
- Technology service providers
- Customer support providers
- Marketing service providers
- Legal and regulatory authorities
We do not sell your personal information to third parties.
Security
We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, misuse, alteration, or destruction.
Although we strive to protect your information, no internet transmission or electronic storage system can be guaranteed to be completely secure.
User Access
You may request access to the personal information we maintain about you.
Where permitted by law, you may also request:
- Corrections to inaccurate information
- Updates to incomplete information
- Deletion of certain information
- Information regarding how your data is used
Requests may be submitted using the contact information provided at the end of this Privacy Policy.
Data Retention
We retain personal information only as long as necessary to:
- Provide requested services
- Process financing applications
- Fulfill contractual obligations
- Comply with legal requirements
- Resolve disputes
- Enforce agreements
When information is no longer required, it is securely deleted, destroyed, or anonymized.
Information Posted to Our Site
Any information you voluntarily post in public areas of our website may be accessible to other users.
Please exercise caution when sharing personal or sensitive information in publicly accessible areas, as we cannot control how others may use information you choose to disclose.
Third-Party Links
Our website may contain links to third-party websites for your convenience.
We are not responsible for the privacy practices, security, or content of third-party websites. We encourage users to review the privacy policies of any website they visit.
International Users
Our services are intended primarily for users located within the United States.
If you access our website from outside the United States, you understand that your information may be transferred to, processed, and stored in the United States, where privacy laws may differ from those in your jurisdiction.
By using our website, you consent to such transfers and processing.
Session Time-Outs
For security purposes, certain areas of our website may automatically log users out after a period of inactivity.
Session time-outs help reduce the risk of unauthorized access to personal and financial information when devices are left unattended.
What You Can Do to Protect Your Personal Information
You play an important role in protecting your personal information.
We recommend that you:
- Use strong and unique passwords
- Keep login credentials confidential
- Avoid sharing sensitive information through unsecured communications
- Monitor accounts regularly for suspicious activity
- Use secure internet connections when submitting information online
- Notify us immediately if you believe your information has been compromised
Your California Privacy Rights
California residents may have additional rights regarding their personal information under applicable California privacy laws.
Subject to applicable law, California residents may have the right to:
- Know what personal information is collected
- Request access to personal information
- Request deletion of personal information
- Request correction of inaccurate information
- Receive information regarding data-sharing practices
To exercise applicable privacy rights, please contact us using the information below.
Changes to This Policy
We reserve the right to update or modify this Privacy Policy at any time.
Any changes will be posted on this page along with an updated revision date. Continued use of our website and services following the posting of changes constitutes acceptance of the revised Privacy Policy.
CONTACT US
If you have any questions regarding this Privacy Policy or our privacy practices, please contact us:
Express Commercial Capital
Los Angeles, California
Phone: (310) 954-6805
Email: morci@expresscommercialcapital.com
We will make reasonable efforts to respond to privacy-related inquiries in a timely manner.
Our Services
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