At Main Street Business Loans (“UCS”), we value your trust and respect your privacy. UCS strives to support small business owners like you by offering a fast and easy way to manage your money, while respecting your privacy expectations and protecting your Personal Information.
ABOVE INFO EXPLAINED IN OTHER WORDS: UCS is serious about protecting you and your data.
By “Personal Information”, we mean information about an identifiable individual such as a person’s name, email address, residential address, telephone number, and in some cases, more sensitive information such as but not limited to gender, demographic information, family status, investment particulars, consumption preferences, business expenditures, credit score, accounting data, social security or social insurance numbers, bank account information, and payment card information. If you or your employer use our payroll service, Personal Information may include employment status, names, addresses, bank account data, hours worked, hire date, marital status, rates of pay and taxes paid and payable about you, your employees, agents, contractors and representatives.
ABOVE INFO EXPLAINED IN OTHER WORDS: The long list of things we define as personal information — the things this policy is designed to protect.
ABOVE INFO EXPLAINED IN OTHER WORDS: This policy sets out the rules of what we do with your data, and we didn’t just make it up. It’s based on actual laws and international standards and principles.
- Main Street Business Loans
- 217 Woodland Lakes Dr
- La Grange, KY 40031
- United States
- (502) 225-0009
- Attention: Privacy Officer
If you are not satisfied with our response you can contact firstname.lastname@example.org . The Main Street Business Loans securely protects only information that is collected through the UCS Site (www.mainstreetbusinessloans.co, www.unitedcashsolution.com, www.unitedcashsolutions.online, www.mainstreetbusinessloans.co, www.mainstreetbusinessloan.com, smartbizloan.online, smartbizloan.co, loanme.co, smartbizloans.loan, smartbizloans.loan, smartbizloans.loan, sfscapital.co, strategicfunding.co), and does not cover information that may be collected through our mobile application, software downloaded from the UCS Site, or from any third-party sites.
ABOVE INFO EXPLAINED IN OTHER WORDS: “Site” refers only to UCS-owned web properties and not any third-party sites. UCS Site are our web, mobile and any other applications that provide access to our services.
You can contact our Privacy Officer:
- Collier Wright, Jr.
- Information Security Officer
- 217 Woodland Lakes Dr
- La Grange, KY 40031
- United States
- Phone: (502) 225-0009
- Attention: Privacy Officer
UCS collects, uses, and discloses Personal Information only for the purposes of providing you with our Services and for such other ancillary purposes consented to by you as a user of the UCS Site Apps.
ABOVE INFO EXPLAINED IN OTHER WORDS: We’ll only use your info to provide the services we’ve defined in our Terms and Conditions or in other ways that you’ve explicitly consented to.
More specifically, UCS collects, uses and discloses information (which may include Personal Information) for the following purposes:
To provide you with our Services. For example, in order to allow us to retrieve banking information for use within the UCS Site Apps, we collect your or your business’ online banking credentials (i.e. account number, username and password; see Storage of Online Banking Credentials, below, for details) if you choose to provide them.
To promote or offer you products, services and offers (including new and other Services which are offered by us, our sponsors and partners) that may be relevant to you and your business. When you are using our Services you may be provided with relevant savings opportunities and related links based on information related to your use of the Services. UCS will use your Personal Information for the purpose of tailoring savings opportunities to your interests. However, we will never share your Personal Information with companies offering the savings opportunities. We only provide these companies with non-identifiable, aggregate information (e.g. the number of times one of their savings opportunities was clicked).
To contact you for the purposes of product information, service updates, notifications relating to the Services, newsletters and tailored savings opportunity messages. UCS will never sell your contact details to a third party.
To monitor system usage, server and software performance, to improve system design, to create benchmarks and to conduct trending analyses.
To assist you with technical support issues. It is important to remember that most technical issues can be resolved without a UCS customer service representative viewing your Personal Information.
To comply with any laws, regulation, court orders, subpoenas or other legal process or investigation and to protect ourselves and other individuals from harm.
To assist in due diligence relating to any corporate action such as a financing,merger, amalgamation, sale or divestiture, provided that reasonable safeguards are taken to protect the confidentiality of Personal Information in our possession. You will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
ABOVE INFO EXPLAINED IN OTHER WORDS: We collect your information to better provide our services to you. These services include things like:
- hooking up to your bank
- promoting products and offers that may be relevant to your business (but only based on aggregate, unidentifiable data)
- providing tech support
- monitoring our systems
- compliance with the law
UCS takes a consent-based approach to the collection, use and disclosure of Personal Information. We collect Personal Information directly from you and only obtain Personal Information from other organizations (e.g., your bank or other third-party service providers) when you provide us with the account numbers, passwords or other credentials required to retrieve the Personal Information and for the purpose of providing you with our Services. We use and disclose the Personal Information only as described in this policy and our Terms and Conditions.
ABOVE INFO EXPLAINED IN OTHER WORDS: We collect your personal information from you. If you want us to gather information from other sources (your bank), you’ll need to provide credentials. We only use this data in ways we describe here and in our Terms and Conditions.
At any time and without penalty, UCS users can withdraw their consent and close their UCS Site account by taking the following actions:
After logging into your account, click “My Profile”, click the “Close this Account” button and then confirm by clicking “Yes, close my account.” You will be sent an email for confirmation that the account is being closed by the rightful account holder. Click the link in the email. In the web page that opens, click “Yes, please close my account” to complete your account closure.
Once your account is closed, we will take the following actions: For users with all UCS Site products except UCS Site App:
All Personal Information relating to your account will be deleted from our databases. However, anonymous transactional data (which does not personally identify you or any of your employees, agents, contractors and representatives) will be retained in our database.
ABOVE INFO EXPLAINED IN OTHER WORDS: You can close your account whenever you want by following the steps on the left — we’ll miss you, but we won’t hold it against you, and there’s no penalty.
When you confirm the closure, we’ll delete your personal information — except for payroll users. We need to keep payroll information based on IRS/CRA rules.
At any time, UCS users can opt-out of most email communication from us by clicking on the unsubscribe link at the bottom of our emails, or via the “Email Preferences” section of the “Your Profile” page, accessible via the “Account” menu. Withdrawing your consent will not apply to actions UCS has already taken based on your prior consent.
ABOVE INFO EXPLAINED IN OTHER WORDS: You can opt-out of our emails on the email preferences page. This won’t affect emails we’ve already sent you. The only exception: We may still send you critical email messages even if you opt out from other messages. (But we won’t abuse this.)
In order to use certain Services, such as UCS Site Purchase Order, you may be required to provide personal information relating to yourself and your employees, agents, contractors and representatives from time to time. You acknowledge, and represent to us that you only collect, use and disclose personal information in compliance with applicable privacy laws. You further represent and warrant to us that you have obtained all required consents from your employees, agents, contractors and representatives whose personal information will be disclosed to us or to our third-party service providers in connection with the Services. You further agree to indemnify and hold UCS, its affiliates, subsidiaries, partners, service providers, suppliers and contractors and each of their respective officers, directors, agents, and employees (collectively, the “UCS Parties”), harmless for any loss, cost, complaint, damage, claim or liability whatsoever arising from your collection, use and disclosure of personal information relating to your employees, agents, contractors and representatives.
ABOVE INFO EXPLAINED IN OTHER WORDS: To use some services, like payroll, you’ll need to provide information about other people. Only do this if you’re legally allowed to. If problems come up around your collection and use of this data, that’s on you.
UCS limits the collection of Personal Information by collecting only the information required to fulfill the identified purposes. We will collect only the minimum amount of information required to facilitate the Services. However, we provide you with the option of sharing additional information (e.g. your name or address) to enhance your use of the Services.
ABOVE INFO EXPLAINED IN OTHER WORDS: We only collect the personal information we need to provide our services. You can give us more info to improve your UCS experience, though.
UCS does not knowingly or intentionally collect Personal Information from visitors who are under the age of thirteen (13).
You may in connection with some but not all of our Services have the ability to allow others (Guest Collaborators or Gift Registry Recipients) access to your account. If you choose to allow others access to your account, you will need to provide the individual’s name and email address. We will automatically send your guest a one-time email inviting him or her to visit the Site. UCS Site or UCS Site Apps, Sites this information for the sole purpose of sending this one-time email and tracking Site usage. The individual may contact us at email@example.com
to request that we remove this information from our database. A Guest Collaborator or Gift Registry Recipient who accepts the collaboration invitation will be subject to and must agree to the same terms as a regular UCS customer. Note that by providing Guest Collaborators or Gift Registry Recipients access to your account, you will also be providing the Guest Collaborator or Gift Registry Recipient access to any Personal Information in your account. While the Guest Collaborator or Gift Registry Recipient must agree to our Terms and Conditions, we take no responsibility for any collection, use or disclosure of your Personal Information by your Guest Collaborator or Gift Registry Recipient. It is your responsibility to ensure that your Guest Collaborator or Gift Registry Recipient complies with privacy standards that are no less stringent than our own.
ABOVE INFO EXPLAINED IN OTHER WORDS: Collaborator invitations require that you provide us with some information about your guest. If they decide that they don’t want us to have that information, they can email me (firstname.lastname@example.org) and we’ll remove it. If they do want to be a collaborator, they need to play by the same rules you do (our Terms and Conditions).
You’ll be providing them access to your information, so make sure they’re safe with it: We aren’t responsible if they misuse that info.
When you use certain Services, you have the option to share information with other accounts you have signed up for. You may choose from time to time to connect UCS with other third-party service providers in order to utilize these services in conjunction with the UCS Site Apps. Purposes may include saving copies of records, importing data from external sources, communications with third parties, and conducting payment and direct deposit functions, among others. In such instances, your account and password credentials and other required information in respect of such third-party service may be Sited by UCS for the purpose of providing this service.
ABOVE INFO EXPLAINED IN OTHER WORDS: In order to connect with certain third-party services, you may have to provide us your credentials. In some cases we may need to Site these in order to continue providing that connection.
Limiting Use, Disclosure and Retention UCS will not use or disclose Personal Information for purposes other than the identified purposes of the Services or such other purposes which we identify from time to time.
ABOVE INFO EXPLAINED IN OTHER WORDS: We won’t use, share, or Site your information in ways you aren’t made aware of.
We also ensure that only those employees responsible for the Services’ operations have physical or technical access to Personal Information and only where such access is required to perform work authorized by their supervisors.
ABOVE INFO EXPLAINED IN OTHER WORDS: We’ll make sure nobody at UCS can see your personal info unless they need it to do their job.
UCS will retain Personal Information only for the duration of your enrollment as a UCS user and Personal Information will be retained in access-secured databases. If you choose to withdraw from the Services, we will securely destroy your Personal Information in our possession and control within 45 days unless we are required to retain such Personal Information longer to fulfill our obligations to you or to third parties. However, we may retain non-personal information indefinitely.
ABOVE INFO EXPLAINED IN OTHER WORDS: We’ll only keep your data while you’re a UCS user. We’ll keep it secure. We’ll delete the data that can be tied back to you within 45 days of you closing your account. This doesn’t include data that can’t identify you, and doesn’t include payroll data due to IRS/CRA requirements.
We retain all Personal Information provided by you or your bank on secure servers, as do our third-party partners and service providers. This data will be subject to the laws of the relevant jurisdictions. Our third-party service providers, including financial institutions, have their own Terms and Conditions and privacy policies that will govern your relationship with these third parties. You are responsible for reviewing and agreeing to these Terms and Conditions and policies. If you do not agree with these Terms and Conditions or privacy policies you should not use the services offered by such third-party service providers.
ABOVE INFO EXPLAINED IN OTHER WORDS: We keep our data secure and so do our partners and providers. If you want to use any of our third-party service providers, you’re responsible for reading their terms and privacy policies. For example, you can connect a service called Shoeboxed to UCS. If you do that, you are entering into a separate agreement with Shoeboxed, and you will be subject to the terms they give you.
In the future we may collect information, including Personal Information, to enable you to access services provided by our third-party partners and service providers. You will be subject to the Terms and Conditions and privacy policies of these third-party service providers. You are responsible for reviewing and agreeing to these Terms and Conditions and policies. If you do not agree with these Terms and Conditions or privacy policies you should not use the services offered by such third-party service providers.
ABOVE INFO EXPLAINED IN OTHER WORDS: We might collect some information to enable the use of third-party providers. Again, if you want to give us that information and use those services, read their terms and policies and make sure you agree with them before use.
When UCS data is viewed in the UCS Site Apps mobile apps, some data is cached in the memory of the device. That data is deleted when the related application is closed and does not persist. If the application is put in the background without closing, the data may remain in the cache. We take no responsibility for any unauthorized viewing of this data by third parties.
ABOVE INFO EXPLAINED IN OTHER WORDS: When you use our mobile app(s), we Site some data in memory on your mobile device. If you don’t close the app when you’re done, some of that information may still be in memory and could be viewed by others. We can’t take responsibility for this, so be sure to close your apps when you’re done.
Storage of Online Banking Credentials
You may choose to provide your online banking information, for the purpose of importing transactions into UCS and reducing your manual entry workload. To provide improved security and reliability, UCS employs a respected provider of global online banking solutions. This partner Sites account and password information. UCS does not Site these. This third party uses Triple DES encryption and secure storage protocols to protect UCS customer data.
ABOVE INFO EXPLAINED IN OTHER WORDS: If you want to connect your bank, you’ll need to provide some credentials. To make sure this is safe, we’re relying on a third party provider. They Site account and password information securely, they encrypt it, and UCS never sees it.
UCS relies on you to ensure that the Personal Information you provide to us while using the Services is as accurate, complete and up-to-date as necessary for the purposes for which it is to be used. You are welcome to make changes, request deletion or corrections to Personal Information at any time by contacting us at the contact information listed below.
We also make every effort to ensure the accuracy of the information in our reports, displays, articles and support queries. However, you must verify all information created from your use of the Services and we recommend that you consult an accounting professional before completing any government or regulatory filing or otherwise relying upon the information, as the use of this information is at your own risk.
You are responsible for ensuring that the information you have provided is truthful, accurate, reliable and complete.
We will retain your information for as long as your account is active, or as needed to provide the Services to you. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
ABOVE INFO EXPLAINED IN OTHER WORDS: When you give us your personal information, we rely on you for accuracy. You can contact us to update or delete it. Whenever we use this information — for reports, display, filings, etc — we’ll do our best to make sure it’s accurate. Before using this information for anything official, we recommend you consult an accounting professional.
UCS implements industry best practices appropriate to the sensitivity of your Personal Information. We use administrative, technical, and physical safeguards to protect your Personal Information against loss, theft, and unauthorized access, use, disclosure, copying, modification, disposal, or destruction in accordance with applicable legal requirements and industry best practices.
For example, we implement encryption and security controls to protect against unauthorized access to Personal Information during electronic transmission, and we train our employees to follow privacy and security practices specific to the Services. We also undertake security assessments to ensure that we maintain strong security controls.
No method of transmission over the internet or method of electronic storage is 100% secure. Therefore while we do protect your information, we cannot guarantee its absolute security. If you have questions about security on our Site, you can contact us at email@example.com
We ensure that any third party acting on our behalf in respect of your Personal Information maintains reasonable and appropriate safeguards. For example, these third parties classify customer account data as “super sensitive”. This means that access to such data is strictly limited based on business need and this data cannot be transmitted without the use of approved encryption methods. These third parties also employ both an Intrusion Detection System and an Intrusion Prevention System, and run regular network vulnerability scans. Additional information about our third parties’ privacy practices is available upon request.
ABOVE INFO EXPLAINED IN OTHER WORDS: We use industry best practices, both technical (like encryption) and physical (like secure, locked-up server facilities), to protect your data, its storage, transmission, and disposal. Any third parties acting on our behalf also do what’s necessary to protect any data they receive. We’ll give you more details if you request them.
UCS makes clear and transparent notice of its privacy practices publicly available via our Privacy Commitment and this policy. Our notices describe the collection, use, disclosure, and protection of Personal Information and provide the contact information of our privacy contact person. UCS will advise you at the first reasonable opportunity upon discovering or being advised of an incident where your personal information is lost, stolen, accessed, used, disclosed, copied, modified or disposed of by unauthorized persons or in an unauthorized manner.
ABOVE INFO EXPLAINED IN OTHER WORDS: We’re very clear about our stance on privacy and we’ll let you know ASAP of any unauthorized incidents involving your data.
You own your data which you input using the UCS Site Apps and can download your own data via the Site at any time. Upon request, UCS will also provide you with a list of the entities (e.g. third-party service providers) to whom UCS has disclosed your Personal Information, and the countries in which our servers are located.
ABOVE INFO EXPLAINED IN OTHER WORDS: Your data is yours. You can download it from the site and if you ask we’ll let you know which other places your data has gone.
The UCS Site Apps may offer publicly accessible blogs and community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. We take no responsibility for any information which you or your employees, agents, contractors and representatives post or publish on the UCS Site Apps and you agree to indemnify and hold the UCS Parties harmless for any loss, cost, complaint, damage, claim or liability whatsoever arising from any such post or publication.
The ability to comment on our blog is managed by us. You will need to contact us at firstname.lastname@example.org to request removal of your information from the blog or login to the application and delete your information if you want personal information that was posted to the comments section removed.
Our community forums and support services (email@example.com) are managed by UCS. You may request removal of personal information from forum posts and comments by contacting us at firstname.lastname@example.org
With your consent we may post your testimonial along with your name. If you want your testimonial removed please contact us at email@example.com
You can log in to our site using single sign-on (SSO) services such as Facebook, Twitter, Google and Yahoo. These services will allow the third party to authenticate your identity and provide you the option to share certain personal information with us such as your name and email address to pre-populate our sign up form.
ABOVE INFO EXPLAINED IN OTHER WORDS: The blogs and forums are open, and only moderated in a limited way. Anything you post there can be seen by others, and we’re not responsible for the things people post. If you give us consent, we might use one of your quotes for a testimonial — and if you want that removed, let us know. If you use Google or Yahoo to sign in via SSO, those services will let us see your name and email. Our blog has some social media features (Facebook Like, etc) which, if you use them, may collect your IP, set a cookie, etc. The companies providing these tools have their own rules and policies which apply to the use of these features.
People may use our interfaces to write programs to interact with UCS. UCS may write programs to interact with third-party interfaces. These can be used to collect and share data, but only if you authorize it. If you authorize the sharing of data, the use of that data will be governed by the rules and policies of the third party you’re sharing it with.
Cookies and Other Tracking Technologies
Third-Party Tracking Technologies & Cookies
As is true of most websites, we gather certain information automatically and Site it in log files. This information may include, but is not limited to, internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.
We may combine this automatically collected log information with other information we collect about you. We do this to improve the Services we offer you, to improve marketing, analytics, and site functionality.
Technologies such as cookies, web beacons, tags and scripts are used by UCS, our advertising and analytics partners, and affiliates. These technologies are used in analyzing trends, administering the Site, tracking users’ movements around the Site and to gather demographic information about our user base as a whole.
We use local storage objects (LSOs) such as HTML5 to Site preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based on your browsing activity use LSOs such as HTML5 to collect and Site information.
Various browsers may offer their own management tools for removing HTML5 LSOs.
Some of our partners use small/clear images (tracking pixels) and some scripts to help manage content. Similarly we might use these things for analytics (to help us better understand how people use our site). If we or our partner change cookie behaviour, we’ll let you know.
We partner with a third party such as Google to either display advertising on our Site or to manage our advertising on other sites. Our third-party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here.
ABOVE INFO EXPLAINED IN OTHER WORDS: Our ad partner uses a variety of web tools to collect non-personal information about your online activities, in order to display targeted ads. You can opt out of targeted ads, but you’ll still see ads – if you want to do this, click the link over to the left.
In order for UCS to communicate with you via the UCS Site Apps mobile applications which you may choose to install on your mobile device, we save a “device token” on your device. We use the device token to provide you with notifications relating to the Services. The device token identifies your mobile device to us but cannot be used to identify you. We Site the token in encrypted format (256-bit encrypted) and retain it only as long as necessary to provide you with the Services.
ABOVE INFO EXPLAINED IN OTHER WORDS: To enable our servers to talk to our mobile apps, we save an identifier on your device. We use this for notifications and can uniquely identify your device, but not you. This token is encrypted while it is Sited and only kept as long as necessary to offer you our services.
UCS uses third-party email services providers in order to provide certain services to UCS to help us run our operations, including, without limitation, for purposes of delivering emails to you. If required, we will disclose your personal information to these service providers to the extent required by us to receive these services. For instance: (i) for occasional messages from UCS, we will share only your email address and name (where applicable) with a service provider; and (ii) for the weekly summary of your account information (the “Your week in numbers” email), we will share your email address and name (where applicable) and send via our providers news about your account balances, year-to-date financial overview, overdue invoices and expenses and other select account details. For other service providers, we will provide such additional information as may be required for us to receive the services; however, these companies are authorized to use your personal information only as necessary to provide these services to us. To unsubscribe from either or both emails, please see the “Consent” section above.
ABOVE INFO EXPLAINED IN OTHER WORDS: We send our emails through third-party providers. For the occasional messages we send, we share your email and sometimes your name — otherwise they wouldn’t know where to deliver the message! For our weekly email, we do the above but also include some of your account information to provide the summary you see. These email providers can only use your information for the purposes of sending these emails.
For other service providers, the same thing goes: We’ll share what’s necessary for the service to function, and only permit the info to be used for that service.
You can unsubscribe if you want: See the ‘Consent’ section above.
ABOVE INFO EXPLAINED IN OTHER WORDS: If we change what we do, we’ll update this policy to reflect that. If we make any serious changes, we’ll notify you by email or a notice on the website before the changes are in effect. We recommend you read through this every once in a while for the latest information on how we deal with privacy.
Collier Wright, Jr.
Information Security Officer
217 Woodland Lakes Dr
La Grange, KY 40031
Phone: (502) 225-0009