Last Updated: September 5, 2018
This website is a general audience site and we do not knowingly collect personal, or other, information from children under the age of 18. If you are under the age of 18, please do not use our site.
- What information we collect
- How we collect your information
- How we use your information
- Disclosure of your information to third-parties
- Special Notice to California Residents
- Special Notice to Vermont Residents
- Contact information
This privacy statement describes how PBA collects and uses the personal information you provide on our website. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
1. What information we collect
We collect the following personal information:
Contact information such as name, e-mail and telephone.
Preferences information such as demographic data and data about your online activity on the Websites.
We collect the following information regarding your business:
Name, telephone, size, type, and various other aspects regarding your business.
2. How we collect your information
Log Files: Any time you visit our website, our servers automatically gather information from your browser (such as your IP addresses, browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks) to analyze trends, administer the site, prevent fraud, track visitor movement in the aggregate, and gather broad demographic information. For example, we may log your IP address for system administration purposes. IP addresses are logged to track a user´s session. This gives us an idea of which parts of our site users are visiting. We do not share the log files externally.
Web Beacons: ”Web beacons” (also known as “clear gifs” and “pixel tags”) are small transparent graphic images that are often used in conjunction with cookies in order to further personalize our website for our users and to collect a limited set of information about our visitors. We may also use web beacons in email communications in order to understand the behavior of our customers. We do not link the web beacons to any personally identifiable information.
Sign-Up Information: To process sign-ups, we may require your name, address, phone number, email address and other personal information. Such information is used primarily to process your order or as otherwise described herein. This is information you provide to us.
E-mails and Telephone Calls: We require an e-mail address from you when you register for our services. We use your e-mail for both transactional (e.g., order confirmation, refund and renewal processing) and promotional (e.g., newsletters, new product offerings, special discounts, event notifications, special third-party offers) purposes. E-mail messages we send you may contain code that enables our database to track your usage of the e-mails, including whether the e-mail was opened and what links (if any) were clicked. If you would rather not receive promotional e-mails from us, please see the section below labeled “Choice/Opt-Out”. We reserve the right to send you certain communications relating to PBA services, such as service announcements and administrative messages, without offering you the opportunity to opt-out of receiving them. We may also contact you by telephone or text message (including to any wireless number you may provide to us) solely in connection with PBA services. If you would rather not receive telephone calls or text messages from us, you may opt-out at any time, or ask to be removed from our contact list if you receive a call or text message from us. We fully comply with the requirements of the U.S. CAN-SPAM Act.
3. How we use your information
In general, we use your information to:
Deliver the products and services you have requested and which we provide;
Manage the customer relationship with you;
Research and analyze your use of, or interest in, our products and services and those offered by third parties;
Communicate with you about products and services;
Deliver tailored and targeted advertisements;
Understand the overall effectiveness of our online advertising, content, programming and other activities; and
Manage our business.
Business and financial information you provide is used to attempt to match you to an appropriate business loan lender and other business products and service providers
4. Disclosure of your information to third parties
Disclosure By Law: You acknowledge and agree that we may disclose information you provide if required to do so by law, at the request of a third party, or if we, in our sole discretion, believe that disclosure is reasonable to (1) comply with the law, requests or orders from law enforcement, or any legal process (whether or not such disclosure is required by applicable law) and (2) protect or defend PBA´s, or a third party´s, rights or property.
Lenders and/or brokers. By signing up for our services or submitting a request for a business loan product or service as offered on the Website, you signify your agreement to proceed and that you are consenting, acknowledging and agreeing to the disclosure of you information with lenders and/or brokers within our network. We will not perform a credit check without your authorization. Please be aware that the lenders, brokers, and/or other service providers with whom you are matched and with whom your information is shared may retain your information, even if you do not enter into an agreement for their products or services. Please contact each such party directly regarding their privacy and information policies. Also, if you enter into an agreement with a lender, broker, or other service provider through the PBA service and make changes to the information you have provided to us, we may share the updated information with such lenders, brokers, and/or service providers.
In the event there is a data breach at PBA, PBA will notify you within 45 days. We will notify you that a breach occurred, what type of information was breached, when the breach occurred, what steps you can follow to further protect your information, what actions we are taking regarding the breach and what steps we are taking to ensure the breach does not happen again.
You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instruction included in these emails or you can contact us at firstname.lastname@example.org.
You can choose not to provide us with certain information, but this will likely result in the inability to use certain features of the Website and to obtain the services and products you are seeking.
Certain federal and state regulations require that we maintain a record of your information for certain periods of time. Due to these regulations, we may be unable to completely delete your information from our database until the time requirements of these regulations have expired.
We will not share any personal information about you with third parties to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law; and
You have the right to request information from us regarding the manner in which we share certain categories of information with third parties for their direct marketing purposes. California law gives you the right to send us a request at a designated address to receive the following information:
the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year;
the names and addresses of the third parties that received that information; and
if the nature of the third party’s business cannot be determined from their name, examples of products or services marketed.
We may provide this information in a standardized format that is not specific to your situation. Requests may be sent to email@example.com
8. Special notice to Vermont residents.
Vermont law places additional limits on sharing information about Vermont residents so long as they remain residents of Vermont. In accordance with Vermont law, we will not share information we collect about Vermont residents to companies outside of PBA except: (1) As permitted by law; (2) To companies that perform marketing or other services on our behalf;
(3) Name, contact and transaction and experience information to other financial institutions with which we have joint marketing agreements; or (4) With the authorization or consent of the Vermont resident. We also will not share non-transactional information about Vermont residents received from others except with the authorization or consent of the Vermont resident.
10. Contact Information
34 East Main Street, Suite 239
Smithtown, NY 11787