We collect personal information from certain individuals upon application for our Services. “Personal information” generally means information that may be used, alone or in combination with other information, to personally identify a business or individual.
This information includes, but is not limited to, name, e-mail address, mailing address, phone number, social security number and bank account information. Personal information does not include publicly available information or information that has been de-identified, aggregated, or in a form that is not capable of being associated with or linked to an individual.
If you provide, or make available, any personal information about any business personnel, administrators, employees, owners, and other authorized persons you must first obtain their consent to disclose such information to us. You must inform all such other persons how we process personal information and all other terms of this Privacy and Security Policy.
Any of the information we collect from you, if any, or other Users may be used in one of the following manners:
We take security very seriously and have developed a comprehensive set of practices, technologies and policies to help ensure data is secure. We take security and privacy seriously and make it a priority. Accordingly, we use advanced security technology and implement a variety of security measures to maintain the safety of personal information.
While we strive to protect personal information and use commercially acceptable means to protect personal information, no method of transmission over the Internet or electronic storage is 100% secure. Therefore, OCC cannot ensure or warrant the absolute security of any data or content transmitted to us.
In the event of a suspected breach of the security of personally identifiable information, we will, to the extent required by law, notify the affected individual so that they can take appropriate protective steps and we will inform that individual of the steps that OCC is taking with respect to any such suspected breach.
As is true of most platforms, we may use tracking technology (i.e., cookies) which help us make our website and services more user-friendly, efficient, and secure. We may use such technology for advertising purposes. Cookies will not harm computer or mobile devices and do not contain viruses.
If Users prefer not to accept cookies, User’s can opt out as follows:
Blocking cookies may negatively impact the experience on our website. Additionally, Users may still receive ads, though they should not be based on the user’s interests. We are not responsible for the effectiveness of, or compliance with, any third parties’ opt-out options or programs.
We may provide information to our trusted business partners who assist us in operating the Site, conducting our business (including partners referring you or your organization to us), or servicing an Account, so long as those parties agree to keep this information confidential. We also may disclose information to third parties to whom we may refer you or your organization or the application for factoring or other services, consistent with our notice to you or your organization and/or consent from you or your organization. In addition, we may disclose our transactions and experiences with guarantors and clients to credit bureaus.
We do not sell personal information, or otherwise provide personal information to third parties without prior consent to do so, other than service providers receiving information to perform services for us on our behalf. Below are the following categories of third parties with whom we may share information about guarantors and clients:
In addition, we may also disclose information:
We do not knowingly collect personal information from anyone under the age of 18. If we learn of such information, we will delete it as quickly as possible. If you or your organization believe we may have such information, please contact us.
The Site may offer links to sites of other companies and associations. We are not responsible for the privacy practices or consent of such third-party sites. These external sites are not subject to this Privacy and Security Policy and we have no control over their content. Please carefully review the policies of these sites before providing any personal information.
This policy is governed by the laws of the State of Washington without regard to conflict of laws hereof.
We may make changes to this Privacy and Security Policy, and we encourage you and your organization to regularly check this page to review any changes we may make. You and your organization understand that you and your organization will be deemed to have accepted an update if you continue to use the Site and Services after any update takes effect. If any material changes are made to this Privacy and Security Policy, advance notice may be posted on the Site.
This version of our Privacy and Security Policy is effective as of August 29, 2022.