Last Updated: November 13, 2024

1. Overview

This Privacy Policy ("Policy") describes how Crest Capital and its affiliates ("Company", "we", "our", or "us") process information through our website ("Website"). Our services are intended solely for use within the United States and are directed exclusively at businesses and commercial entities. We do not offer or provide services to individuals or businesses outside the United States, or provide services for personal, family, or household use. By accessing or using the Website, you acknowledge this Policy and our processing of your information as described herein.

2. Information Collection

2.1 Information You Provide

We collect information you submit through the Website, including:

• Contact information (such as name, email address, postal address, phone number)
• Account credentials
• Communications with us
• Information from third-party social media accounts when you interact with us through those platforms
• Any other information you choose to provide

Our data collection is intended solely for commercial purposes in support of business-related interactions and is not directed at personal or household data.

2.2 Automatic Collection

We and our service providers may collect:

• Technical information (such as IP address, browser type, device information)
• Usage data
• Location information
• Other data collected through cookies and similar technologies

3. Use of Information

We may use collected information for business purposes, including:

• Operating and maintaining the Website
• Processing your requests
• Communications about services, offers, and events
• Legal compliance
• Other legitimate business purposes

If you wish to opt out of certain communications, you may contact us at info@crestcapital.com or follow any opt-out instructions provided in our communications. Please note that opting out may affect the functionality of certain services or features.

4. Information Sharing

We may share information:

• With service providers and third parties who process information on our behalf
• In connection with business transactions (such as merger, acquisition, sale)
• With professional advisors, including lawyers, auditors, and consultants, as needed to support legitimate business and compliance purposes
• As required by law or regulation
• To protect rights, property, or safety
• With your consent or at your direction
• As otherwise permitted by applicable law

We retain sole discretion regarding the duration and manner of storing and sharing information, subject only to applicable law.

5. Security

We implement security measures designed to protect information against unauthorized access, alteration, or disclosure. The technical processing and transmission of the Website, including your personal data, may involve transmissions over various networks and changes to conform and adapt to technical requirements of connecting networks or devices. However, no method of transmission over the Internet or electronic storage is 100% secure, and we are not liable for any unauthorized access, disclosure, or misuse of information beyond our reasonable control. We expressly disclaim any liability for any direct, indirect, incidental, special, or consequential damages arising from or relating to any unauthorized access to, use of, or reliance on any information. You transmit information to us at your own risk.

6. Third-Party Services

Our Website may use third-party services to provide certain features or functionality. These third-party service providers may collect, store, and process your personal information in accordance with their own privacy policies. You should review the privacy policies of these third-party service providers to understand how they use your information. We are not responsible for the privacy practices of third parties.

7. Links to Other Websites

The Website may contain links to other websites not operated by us. The inclusion of any link does not imply our endorsement of third-party content or services. We are not responsible for the content, privacy policies, or practices of any third-party websites. We recommend reviewing the privacy policies of any websites you visit.

8. Cookies and Similar Technologies

We use cookies and similar technologies to operate and improve our Website and services. Your browser may provide options to manage these technologies. Declining these technologies may affect Website functionality.

9. U.S. PATRIOT Act Compliance

Federal law requires us to obtain, verify, and record information identifying each person or business requesting credit. We may ask for your business name, address, Tax ID Number, and other identifying documents. We maintain this documentation as required by federal laws and regulations.

10. California Privacy Rights

California residents may have specific rights regarding their personal information under applicable law, including:

• The right to request access to personal information
• The right to request deletion of personal information
• The right to know what personal information is collected, used, disclosed, or sold
• The right to non-discrimination for exercising these rights

To exercise these rights, contact us using the information provided in Section 14.

11. Children's Privacy

The Website is not directed to children under 13. We comply with applicable laws, such as the Children’s Online Privacy Protection Act (COPPA), and do not knowingly collect information from children under 13. If we learn we have collected information from a child under 13, we will delete such information.

12. Changes to Policy

We may modify this Policy at any time without prior notice. Changes become effective immediately upon posting to the Website. We have no obligation to provide individual notice of changes, and you are responsible for periodically reviewing this Policy for updates. Your continued use of the Website following any changes constitutes acceptance of such changes.

13. Limitations

This Policy is not contractual and does not create any rights or obligations beyond those required by applicable law. We reserve all rights not expressly granted in this Policy.

We make no representations or warranties about the accuracy, completeness, or reliability of any information provided through the Website or this Policy.

The Website is provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We disclaim all warranties to the maximum extent permitted by law.

If any provision of this Policy is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Policy shall otherwise remain in full force and effect and enforceable.

23. Contact Information

For questions regarding these Terms:

Crest Capital
Box 88233
Atlanta, GA 30356
Email: info@crestcapital.com
Tel: (800) 245-1213

15. Governing Law and Terms

This Policy is governed by the laws of the State of Georgia, without regard to conflicts of law principles. Any dispute arising from this Policy shall be subject to the exclusive jurisdiction of the state and federal courts located in Georgia.

All disputes arising from this Policy shall be resolved through binding arbitration, as outlined in our Terms and Conditions (available at https://financing.crestcapital.com/terms-of-use). In the event of any conflict between this Policy and the Terms and Conditions, the Terms and Conditions shall prevail.