Security and Privacy

Access Street is committed to providing the highest level of security and privacy regarding the collection and use of our online referral clients’ Personal Information and all visitors to our web site. Personal Information may be collected through filling out any part of the online forms or submission of applications. Personal Information includes any and all information surrounding the business. Additional Non-Personal Information from your browser when you visit the website may also be collected and shared with third party affiliates. A third party affiliate can include banks, financial services companies, service providers, joint marketing companies, tax preparation firms and retailers. A detailed description of Access Street’s Privacy Policy is provided below. If you have additional questions regarding the privacy of your Personal Information, contact the company with the information below. By using this website and our services or through an advertisement or linking from a third party site, you consent to this Policy, including your consent to use and disclosure of information about you as required under current Federal, State, and/or local law, as well as in the manner described below in this Policy.

Respect of Right to Privacy

Access Street is sensitive to the nature of the Personal Information provided in the course of attempting to obtain a loan for your business. Access Street respects and is committed to your right to privacy and takes every precaution to provide the same level of privacy within our online platform that would be received through traditional banking environments.

Collection and Use of Personal Information

The collection of personal information online is designed to protect access to your personal accounts and to assist Access Street in providing you with the services you desire. All personal information collected and stored by Access Street or third party affiliates is used for specific business purposes, to protect and manage your personal accounts and information, to comply with state and federal regulations, and to gain understanding towards your company’s financial needs in order to provide optimal service.

Access Street collects and manages information during the following occurrences:

  • accessing the website, applicable mobile applications, advertisements, blogs, social media outlets, and any affiliate or third party affiliate websites
  • entering your information on any part of the online form, on any page on our website, including submitting the electronic pre-qualification form confirming your interest in Access Street’s services
  • during any and all communications with Access Street or a third party affiliate, verbal or electronically
  • interactions with advertising and applications on third party websites or in the course of business with third parties affiliates with a relationship to Access Street

We use your Personal Information, including information on the business to verify your identity, determine whether you qualify for a loan, process your loan application, service your loan and contact you. We share your Personal Information with our third party service providers and business partners to provide loan services to you, such as customer service and to verify our compliance with applicable laws. We may also disclose your Personal Information in response to a subpoena or similar investigative demand, a court order or a request for cooperation from a law enforcement or other government agency; to establish, defend or exercise our legal rights including defending against legal claims; or as otherwise required by law; if we are contractually required to share such information with our business partners; and in connection with a substantial corporate transaction, such as the sale of our business, merger, consolidation, asset sale or in the unlikely event of a bankruptcy.

The following are types of information we may collect and share with our third party affiliates.

Personal Information, including contact information surrounding owners of the business or businesses, key employees responsible for day to day operations, officers, principals, and directors may include:

  • names of owners and ownership percentages
  • social security numbers and citizenship details
  • date of births
  • driver license and passport details
  • past history of criminal activity and background information
  • personal financial standings, may include credit reports, credit scores, past default on government related loans
  • contact information

Website Usage Data

Our website tracks data to monitor usage on the site. This information may include the IP address, specific browser, how you entered the site, pages viewed and information surrounding exiting the site. We use this data internally to improve website experience for our customers. We also use this information to aid in any technical difficulties we are having with the site to allow for troubleshooting and other diagnostics. Access Street does not share this information with outside companies for their promotional use. Access Street does not track you across the Internet once you leave our site.

We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.

Third-Party Disclosure Restrictions

Access Street follows strict privacy procedures in regard to protecting your Personal Information. In addition, Access Street requires all third parties with the ability to access this information to adhere to similar rigorous privacy policies. Personal Information may be supplied to a third party in order to package, evaluate and process a potential loan transaction; the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.); or for third party marketing purposes of which the customer has been previously informed and has been given the opportunity to decline.

Additional Rights

You have the following rights to restrict the sharing of Personal Information with our third party affiliates and outside companies that we do business with. This includes sending you information about other products or services. You may restrict information sharing with companies we own or control, restrict information sharing with other companies we do business with to provide financial products and services by contacting Access Street with the information provided below.

Under the laws of the State of California, users of our website that are California residents must be notified of a request regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please use the contact information provided below.

Under the laws of the State of Vermont, users of the website that are Vermont residents will not have Personal Information shared with other businesses to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law. For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your Personal Information to any third-party for marketing purposes, please use the contact information provided below.

This website is a general audience site and we do not knowingly collect personal information from children under the age of 13. For more information about the Children’s Online Privacy Protection Act (COPPA), view the FTC website at www.ftc.gov.

Security of Information

Access Street is committed to providing the highest level of security and privacy regarding the collection and use of Personal Information. Access Street utilizes effective security technologies to protect your data and transmissions between you, Access Street, third party affiliates, and lenders.

Access Street’s forms that ask for Personal Information are delivered to your browser through HTTPS, a secure server communications layer. Transport Layer Security (TLS) technology is used to securely transmit data over the network when transmitting between browser and server. Access Street uses high-grade SHA-256 RSA encryption for secure (https) connections, the same level of security used by banks and other financial institutions. Results that are encrypted use AES encryption, the encryption standard adopted by the United States government. TLS does not allow anyone to intercept or obtain the Personal Information. This process makes the information unreadable by anyone outside of Access Street. This technology requires use of a modern web browser such as Chrome, Firefox, Safari or Internet Explorer 10. You can verify that your communications with Access Street are secure by viewing for the key or lock icon on your browser.
All Access Street servers are collocated exclusively in the cloud with Amazon Web Services. Access Street benefits from the data center and network architecture built to meet the world class standard requirements for the most security sensitive organizations.

Disclosure of Policies – How to Contact Us

Access Street may change or remove portions of this Policy in our discretion without notice. If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of Personal Information to third parties for their direct marketing purposes, please contact us by e-mail or postal mail as follows:

Compliance Officer
Access Street
501 E Kennedy Blvd
Suite 801
Tampa, FL 33602
or
info@accessstreet.com

Revision Date

This Agreement was last revised on March 14, 2016.