Effective January 1, 2023
Terms and Conditions
If you have any questions about these Terms and Conditions, contact us via e-mail at info@CommercialCreditGroup.com or write to us: Commercial Credit Group, 525 N. Tryon Street, Suite 1000, Charlotte, NC 28202, Attention: Marketing.
Effective January 1, 2023
Q2. What Information Do We Collect?
When you visit our Site you may provide us with several types of information: personally-identifiable information you knowingly choose to disclose that is collected on an individual basis, web site use information collected as you browse our Site, content you may choose to contribute to the Site through discussions, chats and/or message boards, or anything else you may post, and your e-mail communications with us.
Q3. How Do We Use the Information We Collect?
Any information you transmit or post on or through the Site, by e-mail or otherwise, including any data, questions, comments, suggestions, or the like, is and will be treated as non-confidential and non-proprietary. Anything you transmit or post may be used by CCG or its affiliates for any purpose, including but not limited to reproduction, disclosure, transmission, publication, broadcast, and/or posting. Furthermore, CCG is free to use any ideas, concepts, know-how, and/or techniques contained in any communication you transmit or post on or through the Site, for any purpose whatsoever, including but not limited to developing, manufacturing, and/or marketing products using such information.
In addition, the information you provide to us may be used:
By accessing or using the Site, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do-not-call registry or similar registry. In addition, by accessing and/or using the Site, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "Rule"). Notwithstanding that your telephone number may be listed at the Federal Trade Commission's Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the Rule.
The Site is operated in the United States. If you are located outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By using the Site or providing us with your information, you hereby expressly consent to this transfer.
Q4. With Whom Do We Share Your Information?
We do not now and do not intend to sell, rent, or market personal information about you to third parties. However, we may share your personal information with others as follows:
Q5. How Do We Protect Your Information?
Q6. What About Other Web Sites Linked to Our Web Site?
The Site may contain links to third-party web sites, products, and services. Our Site may also offer products or services from third parties, including, for example, Provider Applications.
Information collected by such third parties, which may include such things as location data or contact details, is governed by their privacy practices. We are not responsible for the practices employed by such third parties. Please read over those rules and policies before proceeding.
Q7. How Can You Change Your Information?
To delete or correct personal information you submitted on the Site, please submit your request to info@CommercialCreditGroup.com. You expressly authorize us to access your data for purposes of completing your request. If you would like us to no longer use your personal information, please submit your request to info@CommercialCreditGroup.com. We will take commercially reasonable steps to remove any personal information stored on our systems upon request. Please be aware that it may not be possible to completely remove or delete all of your personal information from our records without some residual data remaining due to backups, archives, and other reasons.
Q8. How Do I "Unsubscribe" from E-mail Correspondence?
You may terminate e-mail correspondence from us at any time. You may be given the chance to opt-out of direct mailings when you disclose your e-mail address to us. Further, all of our e-mail correspondence contains an "Unsubscribe" link at the bottom of the message. To opt-out, click the link, or, in the case of text messages, send an e-mail to the "Unsubscribe" URL listed. To opt out or request that we not use your personal information to market information to you, you also may e-mail info@CommercialCreditGroup.com with your request.
The Site is not directed to individuals under the age of 13, nor does it contain information which would be potentially harmful to minors in any way. It is our policy never to knowingly collect or maintain information about anyone under the age of 13.
Notwithstanding the foregoing, pursuant to 47 U.S.C. Section 230 (d), as amended, we hereby notify you that parental control protections are commercially available to assist you in limiting access to material that is harmful to minors. More information on the availability of such software can be found through publicly available sources. You may wish to contact your Internet Site Provider for more information.
Effective January 1, 2023
California Privacy Notice
This California Privacy Notice applies solely to California residents (“Consumers” or “you”) and to “Personal Information” as defined in the CCPA.
Your rights under the CCPA
Right to Know About Personal Information Collected, Disclosed, or Sold
You have the right to request that we disclose certain information to you about our collection, use, and disclosure of your Personal Information.
Collection of Personal Information
The following is a list of categories of Personal Information we have collected from Consumers in the preceding 12 months.
TYPES OF PERSONAL INFORMATION
A real name, alias, postal address, unique personal identifier, Internet Protocol address, email address, account name, or other similar identifiers.
Certain sensitive types of Personal Information
Social Security number, driver’s license or state identification card number, passport number, bank account number, credit card number, debit card number, or any other financial information, credentials allowing access to an account, age, race, color, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information), precise geolocation.
Records of personal property, products or services purchased.
Audio, electronic, visual, thermal, olfactory, or similar information, such as phone recordings
Internet or other online activity information
Browsing history, search history, geolocation data, and information regarding your interaction with our Site.
Professional or employment-related information
Current or past job history or performance evaluations, employer name, or languages.
Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, and class lists.
Inferences drawn from Personal Information to create a Consumer profile
Profile that may reflect Consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
Sources of Personal Information
We obtain Personal Information from the following categories of sources:
Use of Personal Information
We may use or disclose the Personal Information we collect for one or more of the following purposes:
Disclosure of Personal Information
We have disclosed Personal Information in the nature of identifiers, commercial information, and sensory data to our agents and to government entities for business purposes in the preceding 12 months.
We have shared Personal Information in the nature of identifiers in the preceding 12 months.
We have not sold any Personal Information, including that of Consumers under 16 years of age.
Right to Request Correction or Deletion of Personal Information
Subject to exceptions, you have the right to request that we correct or delete your Personal Information. Upon receipt of a verifiable request from you, we may correct or delete your Personal Information from our records.
Right to Opt-Out of the Sale of Personal Information
Consumers have the right to opt-out of the sale of their Personal Information by a business. We do not sell Personal Information and will not sell Personal Information without providing notice and an opportunity to opt-out.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
You have the right not to receive discriminatory treatment for exercising any of your rights under the CCPA.
How to Submit a Request
To make requests to know, correct, or delete your Personal Information, you or your authorized representative may contact us by either:
To help protect your privacy and maintain security, we must verify your identity before granting you access to your Personal Information or complying with your request. If you make a request under the CCPA, we may require you to provide some or all of the following, or other, information: name, date of birth, social security number, email address, telephone number, postal address, and, if the request is made through an authorized representative, proof of authority to act on behalf of the Consumer.
You may only make a request to know twice within a 12-month period.
The Consumer request must:
Response to Request
We will respond to requests within 45 days and will notify the requester if we need additional time or information.
We will deliver our written response by mail or electronically, at your option. If you do not indicate a method of receiving a response, we may send it by either means.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision, and we reserve the right to either refuse to act on your request or charge a reasonable fee to complete your request if it is excessive, repetitive, or manifestly unfounded.
Changes to Our California Privacy Notice
We reserve the right to amend this California Privacy Notice at our discretion and at any time. When we make changes to this California Privacy Notice, we will post the updated notice on the Site. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.
How to Contact Us
If you have any questions or concerns about this California Privacy Notice or about how CCG collects, uses, shares, or discloses Personal Information, or to make a request pursuant to the CCPA, you may call us at (800) 222-2307 or email us at CaliforniaPrivacyRequest@CommercialCreditGroup.com
NOTICE AT COLLECTION
This notice applies whenever we collect Personal Information from a Consumer. We collect all Personal Information you provide us in accordance with law, including by passive means (e.g. through cookies stored on your device used to access the Site) for the purposes described in the California Privacy Notice. The Personal Information, including sensitive personal information, we collect may be shared as described in the California Privacy Notice but will not be sold without further notice.
Retention of Personal Information
We retain Personal Information, including sensitive personal information, for as long as reasonably necessary to fulfill the purpose(s) for which they were obtained unless a longer retention is required by law. The criteria used to determine our retention period includes: