Privacy Policy

(Effective June 25, 2018)

We at Genuity ("we," and "us") know you care about how Your Data is used and shared, and we take your privacy seriously. Please read the following to learn more about our Privacy Policy ("Policy").

Core Principles

  • The Data you provide us is Your Data. We will never sell or provide Your Data to another party without your explicit consent or as you have agreed in this policy.
  • By joining our network and providing us Your Data, you grant us the right to use Your Data for purposes that will enhance the value we provide our customers. This may include using anonymized data from all our customers to create insightful models and provide transparent product and market information.
  • We own the Services and the Content, including anonymized data, analytics, benchmarking, etc.
  • You may have access to certain opportunities to interact with other companies. We only partner with companies that we trust and, in our judgment, will provide you value.
  • If we are ever sold or acquired by another company, this Policy will continue to apply to any successor.

By using or accessing the Services and in any other interactions you may have with us in any manner, you acknowledge that you accept the practices and policies outlined in this Policy, and you hereby consent, to the fullest extent permitted in your jurisdiction, that we will collect, use, and share Your Data in the following ways, which are essential to providing you the Services.

Remember that your use of our Services is at all times subject to the Terms of Service (Our terms of service), which incorporates this Policy.

Scope

This Policy covers our treatment of Your Data that you provide to us or that we gather when you are accessing or using our Services, but not to the practices of companies we don't own or control, or people that we don't manage.

We gather various types of Data from our Users in order to:

  1. we collect Personal Data from you to establish and manage our relationship with you, including setting up your user account and profile, contacting you about our Services, managing your account, etc.;
  2. analyze, personalize and update the Service;
  3. we collect Financial Data to determine your financial eligibility for our Services, extended terms or financing, manage our level of risk, administer or service your account and as otherwise necessary for the provision of extended terms and/or financing and the protection of our business;
  4. send you marketing materials and information that we believe may be of interest to you;
  5. protect us against error, fraud, theft and damage to our goods and property;
  6. enable us to comply with applicable laws or regulatory requirements; and,
  7. for any other permitted business purposes.

Since we only work with businesses and their authorized representatives, we do not knowingly collect or solicit Data from anyone under the age of 13. If you are under the age of 13, please do not attempt to register for the Services or send any Data. If we learn that we have collected Data from a child under the age of 13, we will delete that information as quickly as possible. If you believe that a child under the age of 13 may have provided us Data, please contact us at support@gogenuity.com.

Changes

We're always working to improve the Services, so this Policy may need to change along with the Services. We reserve the right to change this Policy at any time, but if we do, we will bring it to your attention by placing a notice on the website, by sending you an email, and/or by some other means. If you don't agree with the new Policy, you are free to reject them; but that means you will no longer be able to use the Services.

Information Collection

Information You Provide to Us.

Your Data may be transmitted to/from and stored by us or third-party service providers in the U.S., Canada, and other countries where we conduct engineering and software development. As such, Your Data may potentially be accessible to the law enforcement and national security authorities of those jurisdictions. For example, through the account registration process and/or through your account settings, we may collect Personal Data. We may also collect Financial Data in order to process transactions. Certain information may be required to register with us, to take advantage of some of our features, or to order products from us.

We may communicate with you if you've provided us the means and consent to do so. We may use your Personal Data to send confirmations, promotions, invoices, technical notices, updates, security alerts, support, and administrative messages. For example, if you've given us your email address, we may send you promotional email offers on behalf of other businesses or if you have asked us to provide those businesses with you contact information, so they can follow up with you, or email you about your use of the Services. Also, we may receive a confirmation when you open an email from us. This confirmation helps us improve our services. If you do not want to receive communications from us, please indicate your preference by emailing support@gogenuity.com.

Information Collected Automatically; Cookies.

Whenever you interact with our Services, we automatically receive, cache, and record information from your browser or device, which may include your IP address and domain used to access our Services, location, device identification, "cookie" information, the type and version of browser and/or device you're using to access our Services, the page or feature you requested, and the page you entered and exited at ("Traffic Data"). "Cookies" are identifiers we transfer to your browser or device that allow us to recognize your browser or device, record your preferences, and tell us how and when pages and features in our Services are visited, by how many people and for how long. We may use Traffic Data to provide support services to individually identified users. You may be able to change the preferences on your browser or device to prevent or limit your device's acceptance of cookies, but this may prevent you from taking advantage of some of our features.

Our Services may include links to third party sites and content that we believe users may find useful. Our linking to third party sites does not constitute a recommendation or endorsement by us of any content or information available through such site. These third parties may also transmit cookies to your browser or device. Also, if you click on a link to a third-party website or service, a third party may also transmit cookies to you. Again, this Policy does not cover the use of cookies by any third parties, and we aren't responsible for their privacy policies and practices. Please be aware that cookies placed by third parties may continue to track your activities online and those third parties may not honor "Do Not Track" requests you have set using your browser or device.

We may use the Traffic Data we collect to customize content for you that we think you might like, based on your usage patterns. We may also use it to improve the Services. For example, this data can tell us how often users use a particular feature of the Services, and we can use that knowledge to make the Services interesting to as many users as possible, or for any and all permitted business purposes.

Information We May Collect From Other Sources.

As a general rule, we collect information directly from you. In most circumstances, where the information we collect about you is held by a third party, we will obtain your permission before we seek out this information from such sources (such permission may be given directly by you or implied from your actions.) From time to time, we may utilize the services of third parties and may also receive data collected by those third parties in the course of the performance of their services for us or otherwise. Where this is the case, we will take reasonable steps to ensure such third parties have represented to us that they have the right to disclose your information to us. When permitted by applicable law or regulatory requirements, we may collect information about you from other sources without your knowledge or consent.

We may also collect market-related information, which may include information concerning market trends and activities impacting our business or your business. This information may include contract terms, financial information and other information for the purpose of market analysis and strategic planning.

Information Collected From Other Websites and Do Not Track Policy.

Through cookies we place on your browser or device, we may collect information about your use of our Services including the website visited prior to reaching www.gogenuity.com. We do not collect information about your online activity after you leave our Services. Just like any other usage information we collect, this information allows us to provide and improve the Services and customize your online experience, and otherwise as described in this Policy. Your browser may offer you a "Do Not Track" option, which allows you to signal to operators of websites and web applications and services (including behavioral advertising services) that you do not wish such operators to track certain of your online activities over time and across different websites. When you turn on the Do Not Track function in your browser, we stop collecting the information from your browser. Do Not Track signals are set on a browser-by-browser basis, so you must set them on every browser you use if you do not wish to be tracked. Remember that this is just our Do Not Track policy, and we can't and don't make any promises about how third parties react when you set this signal on your browser.

Sharing of Your Data

We neither provide nor sell your Your Data in personally identifiable form to anyone except as expressly permitted. However, we may share Your Data with third parties as described in this Policy, our Terms of Service or when you provide your consent.

We reserve the right to access, read, preserve, and disclose Your Data, as follows:

  1. as permitted or required by applicable laws or regulatory requirements, including, but not limited to, comply with search warrants, subpoenas or court orders;
  2. internally, to provide you the Services;
  3. to enforce or apply our Terms of Service and other agreements;
  4. to protect the rights, property, or safety of Genuity, our employees, our Users, or others; and,
  5. when you have submitted a credit application, we may share Personal Data and Financial Data with (a) credit bureaus, credit reporting agencies, and financial institutions to confirm your financial situation and your initial and ongoing eligibility, (b) persons retained to administer or service your account, (c) persons involved in the financing or securitization or facilitation of the financing or securitizing of our business for the purpose of providing or facilitating such financing or securitization, and (d) other persons as necessary in connection with your credit application and the protection of our business.

Information that's no longer personally identifiable.

We may anonymize Your Data so that you are not personally identified and provide that information to our partners and third-party service providers and make it available through our Services. We may also provide aggregate usage information to our partners, who may use such information to understand how often and in what ways people use our Services, so that they, too, can provide you with an optimal online experience. However, we never disclose Your Data to a partner in a manner that would directly identify you personally, as an individual.

We may deliver a file to you through the Services (known as a "web beacon") from an ad network. Web beacons allow ad networks to provide anonymized, aggregated auditing, research and reporting for us and for advertisers. Web beacons also enable ad networks to serve targeted advertisements to you when you visit other websites. Because your web browser must request these advertisements and web beacons from the ad network's servers, these companies can view, edit, or set their own cookies, just as if you had requested a web page from their site. You may be able to opt-out of web beacon tracking conducted by third parties through our Services by adjusting the Do Not Track settings on your browser; please note that we don't control whether or how these third parties comply with Do Not Track requests.

Third Party Service Providers.

We employ other companies and people to perform tasks on our behalf and we may need to share Your Data with them to provide Services to you. For example, we may share Your Data with our third-party data processing and payment processing service providers so that we can operate our business. We do not reveal personally identifiable Data to parties outside our affiliates for their independent use unless: (1) you request or authorize it; (2) the information is provided to help complete a transaction initiated by you; (3) the Financial Data is provided to a credit bureau or similar information reporting agency; or (4) the disclosure otherwise is lawfully permitted or required. Any third-party service providers which are engaged by us must agree to follow the privacy standards set by this Policy or similar standards that are equally protective of our members.

Business Transfers.

We may choose to buy or sell assets. If we (or our assets) are acquired, or if we go out of business, enter bankruptcy, or go through some other change of ownership, or a grant of a security interest in all or part of us through, for example, an asset share or share sale, or some other form of business combination, merger or joint venture, Your Data could be one of the assets transferred to or acquired by a third party. Even if that happens, this Policy (including the provisions governing changes to this Policy) will continue to apply to the use of Your Data.

Security of Personal Information

Your account is protected by a password for your privacy and security. You must prevent unauthorized access to your account by selecting and protecting your password appropriately and limiting access to your computer or device and browser by signing off after you have finished accessing your account.

We endeavor to protect the privacy of your account and Your Data, but unfortunately, we cannot guarantee complete security. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time. In the event of a breach by an unauthorized person, we will investigate and if necessary, provide notice to you by email or upon your next log in.

Choice

It is important to us that we collect, use or disclose Your Data only where we have your consent to do so.  Depending on the sensitivity of Your Data, your consent may be implied, deemed (using an opt-out mechanism) or express.  Express consent can be given orally, electronically or in writing.  Implied consent is consent that can reasonably be inferred from your action or inaction.  For example, when you enter into an agreement with us, we will assume your consent to the collection, use and disclosure of Your Data for purposes related to the performance of that agreement and for any other purposes identified to you at the relevant time.

Termination and Portability

You may export a copy of any Data that you submitted in the format that it was uploaded, or an equivalent format, at any time.

After termination, we may continue to retain and use Your Data consistent with this Policy and our Terms of Service, or we may delete Your Data after thirty (30) days, but we are under no obligation to do so. In certain cases, there may be technological or regulatory limitations to our ability to delete Your Data.

Interpretation of this Policy

This Privacy Policy includes examples but is not intended to be restricted in its application to such examples; therefore, where the word "including" is used, it shall mean "including without limitation".

Contact

We welcome your feedback regarding this Privacy Policy. If you have questions, comments or concerns about this Policy, please contact us by email at legal@gogenuity.com.