QuickSpark Financial (The “Company”) PRIVACY POLICY

Update 2-2021

We at QuickSpark Financial (the “Company”,” “we,” “us,” “our”) know that our users (“you,” “your”) care about how your personal information is used and shared, and we take your privacy very seriously. Please read the following to learn more about our Privacy Policy. By visiting or using the www.QuickSpark.com website and domain name, and any other linked pages, features, content, or any other services we offer from time to time by in connection therewith (collectively, the “Website”), you acknowledge that you accept the practices and policies outlined in this Privacy Policy, and you hereby consent that we will collect, use, and share your information in the following ways.

This Privacy Policy describes how QuickSpark collects and uses the personal information you provide (directly or through third parties), or which is automatically generated when you interact with the Website.

This Policy describes the choices available to you regarding our use of your personal information and how you can access and update such information. For purposes of this Policy, “Personal Information” means information that personally identifies you, including your contact information, IP address, and application information. A large portion of the Personal Information we collect, use, share, and store is sensitive in nature, including your social security number and financial account information (“Sensitive Personal Information”).

Information We Collect
(a) Information You Provide to Us:

We receive and store any information you knowingly provide to us. For example, we may collect Personal Information including but not limited to your name, user name, email address, IP address, browser information, and third-party account credentials (for example, your log-in credentials for Facebook or other third-party sites). If you provide your third-party account credentials to us, you are consenting to have the information in those accounts (“Third Party Account Information”) transmitted into your account with us, and that Third Party Account Information is covered by this Privacy Policy. We may collect other Personal Information you provide us through your use of our services, such as notes you compose about your contacts; however, these private notes will not be shared with other Website users, unless you choose to share them. You can choose not to provide us with certain information, but then you may not be able to take advantage of many of our special features.

(b) Information Collected Automatically:
  • Whenever you interact with our Website, we automatically receive and record information on our server logs from your browser including your IP address, “cookie” information, and the page you requested.
  • “Cookies” are identifiers we transfer to your computer through your browser that allow us to recognize your browser and tell us how and when pages in our site are visited and by how many people. You may be able to change the preferences on your browser to prevent or limit your computer’s acceptance of cookies, but this may prevent you from taking advantage of our Website’s best features. Our advertising partners may also transmit cookies to your computer when you click on ads that appear on our site. This Privacy Policy does not cover the use of cookies by any advertisers.
  • When we collect usage information (such as the numbers and frequency of visitors to our site), we only use this data in aggregate form, and not in a manner that would identify you personally. For example, this aggregate data tells us how often customers use parts of the Website so that we can make the Website appealing to as many customers as possible. We may also provide this aggregate information to our partners, so that they can understand how often people use their services and our Website, so that they, too, can provide you with an optimal online experience. We never disclose aggregate information to a partner in a manner that would identify you personally.
(c) E-mail and Other Communications:

We may contact you, by email or other means; for example, we may send you promotional offers on behalf of other businesses or communicate with you about your use of the Website. If you do not want to receive email or other mail from us, please indicate your preference through your account settings. Also, we may receive a confirmation when you open an email from us. This confirmation helps us make emails more interesting and improve our service.

(d) Additional Information:
  • Contact information such as your name, business name, email address, mailing address, and phone number;
  • Financial information such as bank statements, credit card statements, your average bank balance, personal and business (if applicable) credit history, payment behavior, bank account information, and tax ID number;
  • Social security number;
  • Unique identifiers such as user name and password, and IP address; 
  • Business information including company size, and business type (if applicable).

In addition to collecting information via our Website, we may also conduct a site visit to collect information, and obtain information and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media. Once you are a QuickSpark customer, we may reach out to you for, or otherwise obtain, information if you decide to renew your product or as otherwise needed to provide the Service.

Use of Information

We may use the information we collect to:

  • Compile, save, use and analyze your Personal Information in both a personally-identifiable form and an aggregated, non-personally identifiable form;
  • Operate, maintain, improve, and provide to you the Service and to conduct our business;
  • Verify your identity and conduct appropriate diligence;
  • Register you as a user and identify you when you sign in to your account;
  • Process your application and determine whether or not your business qualifies for one of our financial products (if applicable);
  • Process your business financial product account, including deducting automatic payments (if applicable);
  • Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications;
  • Conduct research and analyses to better understand our customers; 
    • We may choose to buy or sell assets. In these types of transactions, customer information is typically one of the business assets that is transferred. Also, if we (or substantially all of our assets) are acquired, or if we are reorganized or go through some other change of control, Personal Information would be one of the assets transferred to or acquired by a third party. We will try to give you advance notice if your Personal Information will be transferred to a third party in this manner so that you can delete your account with us if you choose.
  • Produce data analytics and reports containing anonymized summaries of Personal Information and other information that is not Personal Information (such information, “General Information”) that we share with business partners. General Information may include Personal Information that has been aggregated, anonymized, and will not identify you.
Privacy and Sharing of Information

QuickSpark will share your Personal Information with third parties only in the ways that are described in this Privacy Policy or as required by law.

We will provide your Personal Information to our trusted business partners, service providers, and subsidiaries, and affiliates to provide services to help us with our business activities, such as offering customer service, processing credit checks or secure data storage, facilitating payments, and other similar services. These companies are authorized to use your Personal Information only as necessary to provide these types of services to us or as described in their respective privacy policies. In addition, we may share your basic information (name, company name, phone number, email address, and requested amount) with one of our business partners to market their services to you, provided, however, if you do not want us to share your Personal Information in these circumstances with these business partners, please contact us to opt-out by email at info@quickspark.com or by mail at the contact information listed below. In addition, we may also share General Information for the same reasons as we provide Personal Information and for business partners and others to conduct analyses and research and track marketing or other performance.

We may also disclose your Personal Information:

  • As required by law, such as to comply with a subpoena, or similar legal process, including in a bankruptcy proceeding;
  • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a request from a governmental entity;
  • If QuickSpark is involved in a merger, acquisition, or sale of all or substantially all of its assets or equity, in which case, you will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information; and
  • To any other third party with your prior consent to do so.
User Access and Choices

By using the Services, you consent to the terms and conditions found within this Policy and to our processing, collecting, and sharing of personal information for the purposes identified within this Policy. If you do not agree to the terms of this Privacy Policy, please do not access, employ, or otherwise use the Services.

If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, delete/remove, ask to have it removed from a public forum or testimonial on our Website, or deactivate it by emailing our Customer Support at info@quickspark.com or by contacting us by mail at the contact information listed below. We will respond to your request within 30 days.

We will retain your information for as long as your account is active or as long as reasonably useful for commercial purposes. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

  • Opt-OutPolicy

QuickSpark and our business partners may contact you to offer you products and services that may be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations, or other forms of contact from QuickSpark and our trusted business partners by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or by contacting us by email info@quickspark.com or by postal mail at the contact information listed below.

Tracking Technologies

QuickSpark and our partners (for example, our marketing partners), affiliates, or analytics or service providers, including our live chat, marketing trackers, and survey tool service providers use cookies or similar technologies. These technologies are used in analyzing trends, administering the Website, tracking users’ movements around the Website, and gathering demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies for user authentication and analytics. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Website, but your ability to use some features or areas of our Website may be limited. If you would like to learn more about cookies or how to configure your browser, please visit allaboutcookies.org.

  • LogFiles

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 combine this automatically collected log information with other information we collect about you. We do this to improve the services we offer you and to improve marketing, analytics, and Website functionality.

  • Behavioral Advertising/Retargeting

We partner with third parties to display advertising on our Website and manage our advertising on other sites. Our third-party partners may use technologies such as cookies to gather information about your activities on this Website 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 contact us at info@quickspark.com. Please note this does not opt you out of being served advertisements. You may continue to receive generic advertisements.

Security of Information

QuickSpark takes the security of your information very seriously. Your information is securely sent to QuickSpark with encryption over the Transport Layer Security (TLS) protocol. This creates an encrypted connection between your browser and our servers. Thus, when you enter Sensitive Personal Information (such as a credit card number) on our order forms, we encrypt the transmission of that information.

If you allow QuickSpark to see your banking information online rather than in paper form, it is on a read-only basis. We do not have access to change, edit, or modify bank account information in any way. QuickSpark employees cannot view your banking username and passwords.

Additional Information
  • Links to 3rd Party Sites

Our Website may include links to other websites whose privacy practices may differ from those of QuickSpark. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

  • Testimonials

We may display personal testimonials of satisfied customers on our Website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us by email at info@quickspark.com or by postal mail at the contact information listed below.

QuickSpark Financial, LLC.

4802 E Ray Rd. Suite 107

PMB 539

Phoenix, AZ 85044

  • Social Media Widgets

Our Website may include social media features, such as the Facebook “Like” button. These features may collect your IP address, which pages you are visiting on our Website and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by the privacy policy of the company providing it.

  • Age restrictions

The company does not knowingly collect or solicit Personal Information from anyone under the age of 13 or knowingly allow such persons to register. If you are under 13, please do not attempt to register for the Website or send any information about yourself to us, including your name, address, telephone number, or email address. No one under age 13 may provide any personal information to the Company or on the Website. In the event that we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us using the contact information provided on the Website.

Changes to This Policy

We may update this Policy to reflect changes to our information practices. If we make any material changes we will notify you by email or by means of a notice on this Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Security of Information

If you have any questions about this Policy, the practices of this Website, or your dealings with this Website, please contact us by email at info@quickspark.com, or with a letter by postal mail to:

 QuickSpark Financial, LLC.

4802 E Ray Rd. Suite 107

PMB 539

Phoenix, AZ 85044

Opt-Out

QuickSpark and our business partners may contact you to offer you products and services that may be of interest to you. You may opt-out of these and other offers at any time. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations, or other forms of contact from QuickSpark and our trusted business partners by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or by contacting us by email at info@quickspark.com or by postal mail at to:

QuickSpark Financial, LLC.

4802 E Ray Rd. Suite 107

PMB 539

Phoenix, AZ 85044

 

If you are contacting us to opt-out of marketing communications, you must include your full name and email address, and account number. Once we locate your contact information based on the information you provide us, it will be removed from our databases and mailing lists.