Privacy Policy

Last revised: January 9, 2020

I. GENERAL

Forward Financing and its affiliates (“Company” or “we”) is a financial technology company that provides working capital to small and medium-size businesses nationwide. This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit the website http://www.forwardfinancing. com and any of the Company’s sub-domains (collectively, “Website”) and our practices for collecting, using, maintaining, protecting and disclosing that information. Terms defined in our Terms of Use shall have the same meaning when used herein.

This policy applies to information we collect:

It does not apply to information collected by the Company offline, or by any third party website not operated by the Company.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, please exit the Website immediately. By accessing or using this Website, you agree to this Privacy Policy. This policy may change from time to time, without notice. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, and it is your sole responsibility to check the policy periodically for updates.

II. INFORMATION WE COLLECT ABOUT YOU

Personal Information

We collect information by which you may be personally identified, such as name, postal address, e-mail address, telephone number, social security number and other information that can be used to identify you (“Personal Information”).

We collect Personal Information directly from you when you provide it to us. For example, the Personal Information we collect on or through our Website may include:

Automatically-Collected Data

We may also collect certain information automatically when you browse the Website that individually does not identify you, to help us administer and operate the Website and better understand how users access and interact with the Website. Examples of this type of information include:

We also may use these technologies to collect information about your online activities over time. The information we collect automatically may include Personal Information, and we may maintain it or associate it with Personal Information we collect in other ways or receive from third parties. If we associate any automatically-collected non-identifiable information with Personal Information, we will treat the resulting information as Personal Information in accordance with this Privacy Policy.

III. HOW WE USE YOUR PERSONAL INFORMATION

We use information that we collect about you or that you provide to us, including Personal Information, for the following business purposes:

We use aggregated and automatically-collected data to improve our Website and to deliver a better and more personalized service, including by enabling us to do certain things, including but not limited to:

IV. HOW WE SHARE YOUR PERSONAL INFORMATION

We may share Personal Information that we collect about you as follows:

V. COOKIES AND SIMILAR TECHNOLOGIES

A cookie is a small file, often including a unique identifier, which is sent to your browser from a website and placed on the hard drive of your computer.

We use both “session” cookies and “persistent” cookies.  We use session cookies to make it easier for you to navigate our Website. A session cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time.  You can remove persistent cookies by following directions provided in your browser’s help file.

We set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our Website. If you choose to turn off cookies on your computer, you may be unable to access certain parts of our Website.

Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For more information about flash cookies, please visit http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html.

Pages of our Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company to gather website statistics, including but not limited to counting users who have visited those pages or opened an e-mail. Other examples include but are not limited to recording the popularity of certain website content and verifying system and server integrity.  We may tie this information to Personal Information about you that we collect from other sources or that you provide to us.

We also use Google Analytics to collect information such as your IP address, your internet service provider, the web page you linked to our Website from, and other clicking and browsing behavior, to analyze how users use our Website. You may opt out of Google Analytics by using the browser add-on provided by Google, available at https://tools.google.com/dlpage/gaoptout.

VI. YOUR CHOICES

You are not obligated to provide Personal Information while accessing the Website. However, if you choose not to provide Personal Information through the Website, certain functionalities of the Website may not be available to you and the Company may not be able to provide certain services to you, or respond to your requests. For example, you may not be able to apply for financing online, submit an application for employment, or otherwise access all of the features of the Website.

If you no longer wish to receive marketing emails from us, you can opt out of these communications by clicking on the “unsubscribe” link included in those emails. This opt out does not apply to communications from the Company as a result of financing you negotiate or receive, responses to calls you have placed to the Company, or other transactions.

VII. USE OF THE WEBSITE BY UNDERAGE INDIVIDUALS

Our Website is not intended for children under 18 years of age. We do not knowingly collect Personal Information from children under 18. If you are under 18, do not use or provide any information on this Website or on or through any of its features, register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 18, we will use commercially-reasonable efforts to delete that information. If you believe we might have any information from or about a child under 18, please contact us at compliance@forwardfinancing.com.

VIII. CHANGES TO YOUR INFORMATION

If you believe any Personal Information we have about you is inaccurate, you may send us an e-mail at compliance@forwardfinancing.com to request that we correct or delete any inaccurate Personal Information that you have provided to us. We will not accommodate a request to change Personal Information if we believe the change would violate any law or legal requirement, cause the information to be incorrect, or materially hinder our ability to provide you with services or collect an outstanding balance.

IX. HOW WE RESPOND TO “DO NOT TRACK” SIGNALS

Our Website currently does not respond to “Do Not Track” (DNT) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do so in the future, we will describe how we do so in this Privacy Policy.

X. SECURITY

We take reasonable measures to help protect Personal Information against loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. However, no system is perfectly secure or guaranteed to be free from unauthorized use or access. Before submitting any Personal Information through the Website, please be aware of these inherent risks and know that you do so at your own risk.

XI. AMENDMENTS TO OUR PRIVACY POLICY

We reserve the right, at our sole discretion, to make changes to this Privacy Policy from time to time without notice, so please review it frequently. You may review updates to our Terms of Use and Privacy Policy at any time via links on the Website. Changes take effect immediately upon posting to the Website.

XII. CONTACT US

If you have any questions about this Privacy Policy, you make contact us at: compliance@forwardfinancing.com.