Your privacy and security is of the utmost importance to us. We describe in this policy how we collect and use information about you in your use of our services, including our platform and the website.
Alternate Financing (AF), co-founded by Rob Jennings and Marc Feltman, provides a full-service private lending division for mortgage bankers, brokers, realtors, originators, and direct clients. We offer a comprehensive solution that simplifies the private lending process from structuring your borrowers’ scenario all the way to funding. In-house Private Lending Division Diverse Loan Programs: Bridge, Fix & Flip, Multifamily, Mixed-Use, New Construction, Small Balance Commercial Expert Support: 7 Days a Week Direct and Broker Solutions Fee Income with No Overhead or Resource.
We collect information about you when you fill in a sign up or contact form on our website or send us an email. We may also receive your personal data from third parties, when you express your interest in our services to them.
We collect information by automated means. When you visit our website, view one of our advertisements on a third party-owned website, or read our marketing newsletters, we automatically collect information about you via cookies, web beacons, and other similar technologies. These are small files associated with information that your browser or our servers will save and return as part of your use of the website and the services for purposes such as saving your login session between visits, remembering your display preferences, tracking your use of the website, and for audience measurement purposes.
Personal data: This is information that lets us know who you are. This includes the information you provide us when registering to use the platform (i.e. your name, company name, email address, postal address, other contact information you share with us, associated domain name and credit card information). Your login credentials are also personal data. This category also includes information tied to your identity that you provide us through other means, such as emails to our support team.
Non-personal data: This is information that doesn’t let us determine your identity. This generally comes from your use of the services after registering on our website. Non-personal data includes information that could personally identify you in its original form, but that we have modified (for instance, by aggregation) any personal data.
In addition, and in the context of using our services, namely creating and sending emails, we have access to the information contained in the subject and content of the emails that you send out, as well as the email contacts you send to via our services.
The data you submit should not include any sensitive personal data, such as Government identifiers (i.e. social security, driving license, or taxpayer identification numbers), complete credit card or complete personal bank card numbers, medical records or particulars connected with applications for care or treatment associated with private individuals.
If you are a visitor of our website, we use your personal and non-personal data to engage with you and support live chat conversations on the website.
When you are one of our customers, we use the information we collect about you to provide the services to you. As part of that purpose, we use your data:
We may use your non-personal data to enhance the services, for instance through web analytics or troubleshooting. We may also use aggregated or depersonalized information to promote our services, such as by citing usage statistics.
We collect your personal data because we need it to perform a contract we have signed with you or because you have taken steps to enter into a contract with us (for instance, when you fill in a contact form to request information about our services or when you sign up for an account). Otherwise, we collect personal data based on your consent for that specific purpose, and in limited purposes under legitimate interests (for example, to enable us to foster and develop our relationship (with the use of a customer relationship management system), and to perform credit checks or for verification of data and payment details).
Except for the limited circumstances we describe here or in an applicable agreement or our Terms of service, we do not share your personal data with third parties. When we need to provide your personal data to third parties, we will only share it to the extent necessary to provide you with our services, and we ensure that we have in place data protection requirements with these third parties (including standard contractual clauses as well as the requisite technical and organizational measures).
We may also share your personal data as required or permitted by law and as to optimally provide our services through third party providers as described below.
While we provide these third parties with no more information than what is necessary to enable them to provide the services to us, any information that you provide these services providers independently is subject to their respective privacy policies and practices.
In no case do we sell, share or rent out your contacts to third parties, nor use them for any purpose other than those set forth in this policy.
In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities or regulatory bodies, including to meet law enforcement requirements, in the case of a court order, a summons to appear in court or any other similar requisition from a government or the judiciary, or to establish or defend a legal application.
Additionally, we will provide information to a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings).
We keep your personal data for as long as is necessary to provide our services to you (unless otherwise required by law).
If you would like us to cease all of the described uses of your personal data, you may delete your account at any time from the Account Settings section of our Dashboard. This will delete your personal data from our records (within a maximum of ninety (90) days), and we will make no further use of it. We may, however, retain copies of your personal data in backups for legal retention purposes and/or for our own legitimate business purposes.
(AF) complies with the European General Data Protection Regulation 2016/679 (GDPR) as well as all applicable data protection laws. For all transfers of personal data from the EU and EEA, we maintain EU Standard contractual clauses where necessary, ensure additional safeguards such as data encryption and data minimization, as well as perform transfer impact assessments, audits, and controls on our important sub-processors.
In accordance with Data Protection laws, you have the right to:
If you want to exercise any of the above rights, please email our privacy team at info@alternate-financing.com. Sinch Email commits to resolve complaints about our collection or use of your personal information. EU individuals with inquiries or complaints should first contact our Data Protection Officer at info@alternate-financing.com.
Sinch Email has also committed to cooperate with the panel established by the EU data protection authorities with regard to unresolved complaints concerning personal data transferred from the EU.
If you are located in the EU, you also have the right to lodge a complaint to your data protection authority.
The security and integrity of your personal information is very important to us. We follow industry accepted standards to protect the personal information submitted to us, both during transmission and once it is received. We ensure the appropriate electronic, physical, and managerial procedures are in place with a view to safeguarding and preserving all the data handled. Our infrastructure is located in top-tier data centers. Each of these locations adheres to strict physical and procedural controls which are frequently audited. Our applications are routinely scanned for vulnerabilities, and an independent penetration test is conducted annually. Our employees undergo background checks (when allowed) and sign non-disclosure agreements at the time of hire.
Remember, though, that some parts of the services are public and that email, by its nature, is not a reliably private means of communication. If you voluntarily provide personal data in a public area of the website, unrelated parties online will be able to view it and collect it. If you don’t want to make this information publicly available, you shouldn’t post it.
The information provided in this policy may be modified to address new issues or changes. If we make significant changes, we may notify you by other means (for instance, by email or with a banner on the website) prior to the change becoming effective. Any changes we make will take effect 30 days after the update date noted above. If you object to the changes, you may choose to close out your account with us before the new effective date to delete your account and related information from our records.