Wisdom Capital Privacy Policy

This Privacy Policy applies to Wisdom Capital and its affiliates. It is designed to help you understand how we collect, use, and disclose your personal information. By using our websites, forms, or any product, service, or functionality originating from your use of the products or services offered by the Company (collectively, the “Services”), you are accepting this Privacy Policy and our Terms of Use.

Definitions

For the purposes of this Privacy Policy, the following terms have the meanings defined below:

  • Affiliate: An entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.
  • Company: Wisdom Capital, 3000 Marcus Ave Ste 2W1, New Hyde Park, NY 11042.
  • Cookies: Small files that are placed on your computer, mobile device, or any other device by a website, containing the details of your browsing history on that website among its many uses.
  • Device: Any device that can access the Service such as a computer, a cellphone, or a digital tablet.
  • Personal Information: Any information that relates to an identified or identifiable individual.
  • Service: The Website.
  • Service Provider: Any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service, or to assist the Company in analyzing how the Service is used.
  • Usage Data: Data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
  • Website: Wisdom Capital, accessible from https://wisdomcapitalusa.com/
  • You: The individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Mobile Communication Consent Policy & TCPA Communication Authorization

You expressly agree to this site’s Terms of Use and Privacy Policies. You authorize Wisdom Capital, LLC and/or its affiliates, assigns, successors and/or agents (collectively “Wisdom Capital”) to contact you regarding customer support and marketing of our products and services.

By providing us with a mobile phone number, you give explicit consent to receive communications. You certify that the phone numbers that you have provided are your contact numbers. These communications may include but are not limited to text messages, emails, or phone calls from us and our representatives pertaining to any products or services offered by Wisdom Capital. This consent applies to each mobile number that you provide to us, now or in the future. Your consent to telemarketing calls and texts may be revoked by following any of the opt-out methods described below, or by any other method that ensures we receive the revocation.

You may revoke your consent for text messages at any time by replying “STOP”, calling us at 1-800-877-2077 or emailing us at info@wisdomcapitalusa.com.

You may revoke your consent for marketing phone calls by calling us at 1-800-877-2077, or emailing us at info@wisdomcapitalusa.com

Collection of Information

We collect information from you when you subscribe to our mailing list, speak to a representative, use our websites, or fill out a form. This information may include your name, home/business address, email address, business ownership information, or financial information. By requesting a loan on behalf of your business, you authorize us to obtain one or more credit reports and to conduct a background check on you, and you authorize us to use the information contained in such credit reports or background checks to process your loan application. We may also obtain one or more credit reports and conduct background checks on any individuals who are designated to be guarantors in connection with any request for a loan.

Use of Information

The information we collect from you may be used to improve our customer service, process transactions, facilitate online activities and functionality, and send you periodic emails.

Disclosure of Information

We do not sell your personally identifiable information. We share some of the information we collect about you with trusted third parties, like companies performing services on our behalf, so long as those parties agree to keep your information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. We may also share some of the information we collect about you with third party companies, like our trusted Affiliates and related entities, providing services or products similar to or complementary with your requested services or products, as long as those parties agree to keep your information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Information is shared to facilitate the services needed in order to properly and efficiently handle duties related to your account. We may share information with:

  • Government agencies to fulfill legal, reporting and regulatory requirements, safeguard our rights or assets, respond to urgent situations that threaten the personal safety of the Services’ users or the general public, or guard against legal accountability
  • Attorneys, accountants and auditors.
  • Our employees, our Affiliates, affiliated companies, subsidiaries, and agents to offer additional services or perform analysis to determine qualification to receive future services.

Once you have submitted a loan application, we may obtain information about you from credit reporting agencies. We both receive and transmit data to credit reporting agencies. This is done as part of our regular underwriting, fraud prevention and loan servicing processes. If we make a loan to your business, we may share your personal information and certain information associated with your loan with our servicers, lenders, investors, successors and assigns.

Third Party Links

Our Websites may contain links to third party websites. Access to any other websites linked to this Website is at the visitor’s own risk and the Company is not responsible for the accuracy or reliability of any content, information, data, opinions, advice or statements made on these sites. The Company provides these links merely as a convenience and the inclusion of such links does not imply an endorsement or warranty of those links or their associated websites. By using the Websites, Forms or any product, service, or functionality originating from your use of the products or services offered by the Company (collectively, the “Services”) you are accepting the Privacy Policy and Terms of Use contained herein. We advise you to review the privacy policies and terms of use of any third-party websites you visit.

Safeguarding Your Information

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information.

  • We encrypt your personal/private information using industry standard security protocol (Secure Sockets Layer or “SSL”) to protect the connection between your browser and our server. However, we cannot guarantee the absolute security of any data transmitted over the Internet or stored in our system. Please contact us immediately if you suspect any breach of security.
  • We store your personal information and user preferences using commercial standard database and website security software. We encrypt your data to prevent any unauthorized access, disclosure, loss, alteration, or damage.
  • We regularly audit our operations and business practices to ensure they comply with our corporate policies and procedures regarding the security, confidentiality, and quality of our information.
  • We train our employees to respect the confidentiality of third party information and limit its use and disclosure to authorized purposes and transactions. Protecting your information is a condition of employment at Wisdom Capital.

Wisdom Capital makes a concerted effort to shield the Personal Information you provide through the Services from loss, misuse, unauthorized access, disclosure, alteration, or destruction. However, it’s important to note that no transmission method over the Internet or via mobile device, or electronic storage method, is completely secure. While we endeavor to employ commercially acceptable measures to safeguard your personal information, we cannot assure its total security.

Minors

Our Services are designed for individuals who are at least 18 years old. We do not intentionally gather, utilize, or reveal information from minors under 18 years of age. If we discover that we have collected personal information from a user below the age of 18, we will promptly remove it from our records.