At BankDirect Premium Funding, your online privacy is important to us. This Online Privacy Policy explains the collection, use, sharing, and protection of data and information that we gather from you when you use our website (“Site”) and the websites of partner institutions that directly link to this Policy. By continuing to use our Site, you consent to the practices identified in this Policy.

INFORMATION WE COLLECT

Personal Information

When you visit our Site, we may collect Personal Information about you that you provide to us, including but not limited to:

• First, middle, and last name
• Home or other physical address
• E-mail address
• Telephone number
• Location information
• Company Name
• Job Title

Other Online Information

We collect other information when you visit our Site, even if you are not using our services or do not provide this information directly to us. We may collect a variety of information types in a variety of ways, including:

• Cookies: Cookies are small pieces of data that are stored by your internet browser directly on the device you are using. Cookies help track technical and navigational information such as time you spend on the Site, your browser type, and the specific pages that you have visited.
• Flash objects (also “Local Shared Objects”): Flash objects determine browser type to ensure that you can view all of the content on our Site, and they help us recognize you and your device when you revisit our Site.
• Web beacons: Web beacons are objects that are embedded in a webpage and usually invisible to the user. They track who is visiting our Site.
• IP Address: An IP Address is automatically assigned to your device by your Internet Service Provider and is automatically recorded and logged when you visit our Site.
• Other use-tracking technologies that we may use from time-to-time and as technology changes.

HOW WE USE YOUR INFORMATION

Collecting Personal Information and Other Online Information allows us to optimize the services we offer you. We use this information in a number of ways, including but not limited to:

• Processing applications and transactions
• Verifying your identity
• Responding to inquiries and communications from you
• Improving our business operations and developing new products and services
• Assessing and informing you about the services and products that might interest you
• Providing you important information about our Site
• Complying with legal requirements
• Other purposes we may specifically disclose at the time we collect information

HOW WE SHARE YOUR INFORMATION

We disclose Personal Information and Other Online Information as required by law. At times, we may disclose your information to meet legal requirements, cooperate with law enforcement authorities, or as we deem appropriate to prevent physical harm or financial loss.

We do not allow third party tracking of your visits to our Site for third party marketing purposes.

In the event that assets of BankDirect Premium Funding are acquired by, sold to, or merged with another third party, we reserve the right to transfer your information in connection with this transaction.

CHILDREN’S PRIVACY

Our site is not directed at individuals under the age of thirteen (13), and we do not knowingly solicit, collect or use personal information from children under 13. Children under 13 are prohibited by this Online Privacy Policy from providing Personal Information through our Site.

SOCIAL MEDIA

We may utilize social media platforms such as Facebook and others to foster online sharing and collaboration among our customers. Note that any content you make available through those platforms (such as name, pictures, or opinions) are subject to the terms of use and privacy policies of those platforms, not this Policy. To better understand your rights and obligations, please review the policies of the specific website or platform you are using.

CHANGES TO THE ONLINE PRIVACY POLICY

Our Online Privacy Policy is subject to change. We will inform you of these changes by posting the Policy to this page and revising the date listed at the top of the page. By continuing to use our Site following the posting, you consent to the modified Online Privacy Policy.

QUESTIONS

For any questions regarding this Policy, please call us at 1-800-557-3000