Personal Information We Collect.
Sterling Financial and its agents and representatives collect personal information about you from various sources (including, without limitation, from credit reporting agencies, creditors, and businesses and financial institutions with which you have had a financial relationship). Personal information we collect includes, without limitation:
your name, address, e-mail address, Internet Protocol address, telephone number, date of birth, and other contact information;
your business name, address, tax id number, business inception date, business bank statements (and data about your banking transactions), telephone number and address;
financial information, such as your bank name and your bank account number, personal and business credit bureau reports, payment behavior, and other reports concerning your credit history and experience;
other financial or personal information about you, such as your percent ownership in the business, your liabilities, and your financial condition;
your social security number;
your identity through an acceptable form of government-issued identification;
we may collect data through a third party site inspection vendor, or social media sites or services.
information about any previous loan applications you may have previously applied for (directly or on your behalf)
such other information we may collect with your consent or as
permitted or required by applicable law; and
personal information about you given to us by others and personal
information about others provided by you.
Use of Personal Information. We generally use personal information for the following purposes:
- to verify your identity in connection with our user registration process;
- to manage and administer your account with Sterling Financial;
- to facilitate the transactional process between financial institutions
- to compile and analyze information to better understand our
- to produce data analytics and reports containing summaries of data and general information that we may share with business partners.
- to prevent fraud, identity theft or illegal activities;
- to maintain our business records for reasonable periods and to generally manage and administer our business;
- to compare information for accuracy and verify it with third parties; and
- to meet legal, regulatory, insurance, audit, processing and security requirements imposed on us, which may include establishing and verifying your identity and checking your identity against money laundering, terrorist financing or similar watch lists established by regulatory agencies or similar bodies in the United States.
We may also use your personal information in other manners with your consent or as permitted or required by applicable law.
In certain situations, Sterling Financial may be required to disclose personal data in response to lawful requests by public authorities. We reserve the right to disclose your personal information as required by law, such as to comply with a judicial proceeding, court order, or legal process served on our Web site when we believe that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
Disclosure of Your Personal Information.
We may disclose your personal information to our affiliates for internal audit, management, billing or administrative purposes. In addition, we may disclose your personal information in the following circumstances:
Legal, Regulatory, Etc.
We may disclose your personal information as necessary to meet applicable legal, regulatory, industry self-regulatory, insurance, audit and security requirements and obligations, including as required by our outside agents, representatives and service providers.
The Internet and Our Website.
We operate and control our website at www.Sterlingfinancialco.com
We and our partners, affiliates, or analytics or service providers, use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer the website, tracking users’ movements around the website, and to gather 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 and aggregated basis.
We may use “cookie” files to enhance the use of our website and the loan marketplace for our registered users and other users. A “cookie” is a small text file placed on a computer’s hard drive by our web page server in order to recognize that a user has previously visited our website and to apply the configuration preferences that the user has chosen. Other than the information provided by a user, cookie files do not contain information that can be used to identify an individual user. You can disable cookies using your Internet browser’s settings and you should consult your browser’s help function for information on how to disable cookies. Please note that if you disable cookies, certain features of our website may not function properly. We do not require anyone to accept cookies in order to use our website or the loan marketplace.
We and Third parties with whom we partner to provide certain features on our website or to display advertising based upon your web browsing activity use HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5. 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 services we offer you, analytics, and site functionality.
Once you complete our user registration and your Sterling Financial account is created, we will use your e-mail address as
one method to contact you regarding your Sterling Financial account. We may also contact you at any telephone number, or physical or
electronic address to collect and may include SMS messages (including text messages), calls using prerecorded messages or artificial voice
No Third-Party Marketers.
We do not sell, rent or trade your personal information to third parties or marketing firms for their promotional
purposes. We do send communications periodically to inform you of the status of transactions or events related to your Sterling Financial
account and your use of our website. Receiving emails from our website is part of our service. If you no longer wish to receive these emails, you
may opt out of them by unsubscribing or by contacting Customer Service.
We collect, use and disclose your personal information with your consent, except as permitted or required by applicable law. We may be required or permitted under certain statutes or regulations to collect, use or disclose personal information without your consent, including, without limitation, to comply with a court order, local or federal regulations or a legally permitted inquiry by a government or law enforcement agency, or to collect a debt owed to us, our agents, representatives and service providers, or another registered user.
We take reasonable steps to protect your personal information using physical, electronic or procedural security measures appropriate to the sensitivity of the information in our custody or control, which may include secure web pages, encryption, password intrusion detection systems and firewalls as described below.
Secure Web Pages.
All of the pages on our website that ask for your personal information are transferred to your browser through HTTPS, a secure server communications protocol.
When you send your personal information to us, it is protected by SSL (Secure Sockets Layer) Technology. SSL does not allow anyone to read your personal information. When you transmit your information to us, SSL encrypts it (translates the data into a string of gibberish characters) and only we can decode the encryption.
Your financial information is encrypted and backed up every day. In the unlikely event that our website is “hacked” your data will remain secure. These safeguards are used to protect against loss or theft, as well as unauthorized access, disclosure, copying, use or modification of your personal information. Our authorized employees, agents and parties to a contract of work or services with us who require access to your personal information in order to fulfill their job requirements or contracts will have access to your personal information.
Access, Correction and Contacting Us.
Upon request, Sterling Financial will provide you with information about whether we hold any of your personal information.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements
Note Regarding Children Under 18.
Users of our website and loan marketplace must be U.S. residents that are 18 years of age or older. Additional requirements apply to registered users.
Helpful Tips on Protecting Your Personal Information.
Set forth below are several tips intended to help you protect your personal information:
If you think your identity has been stolen, contact all three credit-reporting agencies listed below to put a fraud alert on your credit report:
- TransUnion (www.transunion.com) Phone: 1-800-680-7289 E- mail: email@example.com Mail: TransUnion P.O. Box 6790 Fullerton, CA 92834
- Equifax (www.equifax.com) Phone: 1-888-766-0008 E-mail: fraudalerts.equifax.com Mail: Equifax Credit Information Services, Inc P.O. Box 740241 Atlanta, GA 30374
- Experian (www.experian.com) Phone: 1-888-397-3742
After you contact all three credit-reporting agencies, you should check your credit report again in 30 to 60 days for any new signs of identity theft or records that still need to be removed. You should also file a police report with your local enforcement agency. A police report is helpful when dealing with creditors as you challenge inquiries to your credit report or accounts opened fraudulently in your name. You should also keep records of all actions you have taken and letters you have written regarding your identity theft.