IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING AN ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account with LXTCH, We will ask for your name, mailing address and other information that will allow Us to verify your identity. Us may also ask to see a driver's license or other identifying documents.
In connection with your use of the Site, we collect, directly or indirectly, three types of information:
In connection with providing services to Us, we may receive Business Information from users, including, but not limited
to: business name, mailing address, email address, telephone number, business size, business type, business incorporation
date, bank account information, marketplace account information, payment processing procedures, social network data,
shipping information, accounting information and vendor service information. We may also receive User Information that
consists of personally identifiable information, including, but not limited to: the owner’s or principal’s name, mailing
address, email address, telephone number, date of birth, social security number, and estimated FICO score.
We collect User Information and Business Information from you when you (i) register on the Site, (ii) fill out forms or fields on the Site, (iii) complete an application for a product or service available through the Site or (iv) communicate with us by email, mail, text, telephone, facsimile or other electronic means. During the course of providing services to Us, we may collect additional Business Information or User Information from third parties, including, but not limited to, referral partners, identity verification services or credit bureaus.
We collect General Information from your computer, mobile device or other access device when you use the Site
(including downloading and using a mobile application or accessing a mobile optimized site), view content about the
Site on a third-party website or open emails or links in emails from us. This General Information includes, but is not
limited to, information about (i) your Internet connection; (ii) the equipment you use to access the Site and usage
details; (ii) your operating system, browser version and IP address; (iii) your mobile device type, your device’s
unique identifier and your mobile network information and (iv) web pages or advertisements that you view and
information that you search for on the Site. As is true of most websites, we gather certain information automatically
and store it in log files. This information may include Internet protocol (IP) addresses, browser type, internet
service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may link
this automatically collected data to other information we collect about you.
We also use analytics software to allow us to better understand the functionality of our mobile application. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from. We do not link the information we store within the analytics software to any personally identifiable information you submit within the mobile application.
One of our primary purposes in collecting Business Information, User Information and General Information from the Site is to establish a safe, smooth, efficient and customized experience that allows website and mobile users to take full advantage of the products and services available through the Site. We use the information collected through the Site to:
Subject to any opt-out under the “Your Choices” section, we may share, whether aggregated or not, Business Information
and User Information with our business partners, including for jointly offered products and services, under agreements
which restrict our business partners’ use of the information and require business partners to follow policies regarding
privacy and safeguarding of User Information and Business Information. Business partners may use such information obtained
from us to market their or our products or services to you, including jointly offered products or services.
We may also use, sell, license or distribute General Information (i.e., non-personally identifiable information) or personally identifiable User Information that has been anonymized so that the information does not identify a specific user without restriction, including, but not limited to for producing data analytics and reports for business partners or others.
Providing information regarding your browsing and application activity is voluntary. Most computer systems and browsers offer their own privacy settings. You can adjust your privacy settings to disable the cookies used on the Site. If you disable cookies, you can still use the Site, but your ability to use some features of the Site may be limited. Most mobile phones allow you to control privacy settings, including location-based services by accessing the device’s setting’s menu. If you have questions about the privacy settings on your mobile device, you should contact your mobile service carrier.
We protect User Information and Business Information by using reasonable physical, electronic and procedural safeguards
in compliance with applicable federal and state regulations. We use computer safeguards such as firewalls and data encryption
using secure socket layer technology (SSL). We also limit access to User Information and Business Information to employees
who need the information to fulfill their job responsibilities. Such employees are provided access to User Information and
Business Information only to the extent necessary to complete their job duties.
We store and process information using third-party servers located in secure data centers in the United States. If you have any questions about the security of User Information and Business Information, you can contact us at the address at the bottom of this policy.
We may display testimonials of satisfied customers of LXTCH Small Business Loans on the Site in addition to other endorsements. With your consent, we may, on behalf of Us, post your testimonial along with the business’s and business owner’s or principal’s name and picture. If you wish to update or delete your testimonial, you can contact us at the address at the bottom of this policy.
This Site and products or services available through this Site are not intended for children under 13 years-old. Neither we nor Us knowingly solicit data online from or market online to children under 13 years-old. If we knowingly receive a child’s personally identifiable information, we will immediately delete it from our system.
We will retain your information for as long as the information is needed to provide you Site services. If you wish to request that we no longer use your information to provide you Site services, you may contact us at the address at the bottom of this policy. We will nonetheless retain your information to the extent that we deem necessary to comply with our legal or contractual obligations, resolve disputes or for other business purposes.
LXTCH, Inc. handles customer information provided to Us through the Site in accordance with policies and procedures established by Us. Inquiries regarding customer information should be directed to support@LXTCH.com or at the address at the bottom of this policy. A request to remove customer information will be responded to within 30 days of receipt of the request.
LXTCH, Inc. reserves the right to change this policy from time to time to accommodate changes in technologies, laws,
this website and/or by notifying you via email prior to the change becoming effective in the event of any substantive or
material changes. We encourage you to periodically review this page for the latest information on our privacy practices. Any
questions or concerns should be addressed to:
LXTCH, Capital, LLC
1 International Plaza
Philadelphia, PA 19113