Privacy Policy

We care about protecting your information and using it to make sure your business gets the best financial solutions available

Camino Financial Privacy Policy

Last Updated: July 2017

Applicability

This Privacy Policy applies to all persons described in the Terms of Use applicable to this website.

Collection of Information

Camino Financial and each of its representatives, successors, agents, assigns and designees (“Recipients” and collectively “we”) will collect information required to verify your personal and/or business information to qualify you for business loans with active banks, non-depository lenders and other lending sources. We collect information that includes, but is not limited to, your financial statements, bank statements, business information, personal and business credit history, social security number, tax ID number and bank information. We may visit your website, public disclosures and social media outlets to obtain more information. You give consent for Camino Financial and Recipients to request (a) credit report(s) on all persons described in the Terms of Use from one or more consumer and business reporting agencies, such as TransUnion, Experian and Equifax, and from other credit bureaus, banks, creditors and other third parties. You also authorize Camino Financial employees or representatives to complete the fields required within our business loan application on your behalf, subject to your review. You also consent to the release, by any creditor, financial institution, or other third party who has done business with you of information relating to any of you, excluding information directly or indirectly taken from personal or business credit reports, to Camino Financial and to each of the Recipients, on its own behalf. Once you have submitted an application, we may reach out to you again for more information.

Camino Financial uses Plaid Technologies, Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant Camino Financial and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy.

Security

We take the security of your information very seriously. Camino protects your information with 2048 bit Secure Sockets Layer (SSL) encryption. This creates a bank level encrypted connection when submitting application forms on the Camino website. All data is securely kept on Amazon Web Service’s servers in the United States.

If you allow Camino to see your banking information online rather than in paper form, we may record that information on a read-only basis. We do not have access to change, edit, or modify your online banking account information in any way, nor to make any transactions on your behalf.

Use of Information

We may use the information you provide about yourself and/or your business to fulfill your requests for our Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you. We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. We may use your information to improve and personalize the Services and any related services, including future products and services. For example, we may use your information to pre-fill form fields on the sites for your convenience.

Sharing of Information

We may share personal information about you as follows:

  1. You authorize Camino Financial employees or Recipients to transmit our business loan application form, along with any foregoing information obtained in connection with this application, excluding information directly or indirectly taken from personal or business credit reports, to any or all creditors, financial institutions and other third parties to render the Services;
  2. With third parties to provide, maintain, and improve our Services;
  3. In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business;
  4. To respond to subpoenas, court orders, or legal process;
  5. In order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Use, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our network, Sites or Services;
  6. To respond to claims that any posting or other content violates the rights of third parties;
  7. In an emergency, to protect the health and safety of our Sites’ users or the general public; or
  8. As otherwise required or permitted by law.
  9. Non-personalized, anonymous data may be aggregated with data from other users and other data sources may be collected and shared with partners or for marketing purposes.

Email Communications

We may provide customers who have registered with us for this purpose to receive email alerts and summaries of their activity as set forth in the Terms of Service. We may also allow customers and other persons who have registered with us to subscribe to email newsletters and from time to time may transmit emails promoting Camino or third-party goods or services. Customers and other persons who have registered with us have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. You may opt out of such communications by (1) replying to an e-mail with a message that tells us you wish to opt out of receiving such messages in the future; (2) sending us an e-mail at [email protected]; or (3) calling us at (800) 852-0655. Opting out in this manner will not end transmission of service-related emails, such as email alerts.

Short Message Service (“SMS”) Communications

We may provide customers who have registered with SMS alerts regarding our Services. Registered customers can opt out of receiving these SMS alerts by texting the word “STOP” to any message you receive from us. Upon receipt of your “STOP” message, we will send you a SMS message to confirm that you have been unsubscribed. At that point, you will no longer receive any further SMS messages from Camino.

Changes to Privacy Policy

We reserve the right, at our sole discretion, to make changes to this Privacy Policy from time to time. If we do so, we will provide you with a notification to that effect as required by applicable law. However, we are not required to provide you with notice of all changes; therefore, you should review this Privacy Policy frequently. You may review updates to our Terms of Use and this Privacy Policy at any time via links on www.caminofinancial.com. Consistent with our Terms of Use and applicable law, you agree to accept revised versions of this Privacy Policy on www.caminofinancial.com and agree postings constitute notice to you of the revised version of this Privacy Policy. Changes take effect immediately upon posting.