Privacy Policy

General

This Privacy Policy (“Policy”) of Onramp Funds ("Onramp Funds", “Company”, “we”, “us”, and/or “our”) describes in greater detail our privacy practices and how we collect and maintain certain information about you. This policy applies to information (including personally identifiable information (“PII”)) we collect when you register, apply for financial products, access our website, products, and services, or when you otherwise interact with us (collectively, the “Services”). As used in this Privacy Policy, the term “Site” includes all websites and all devices or applications operated by Onramp Funds that collect PII from you, and their respective pages, forms, equivalents, mirrors, replacements, and backups, and all other pages and forms associated with each such website, device, or application.

Your access to and use of the Services is also subject to our Terms of Service and additional product-specific agreements related to specific financing activities mutually entered into by you and Onramp Funds.

As used in this Privacy Policy, the terms “you” and “your” refer to you, the user of Onramp Funds’ website, Services, and products, as the party agreeing to the terms of this Privacy Policy. By visiting our site and accessing information regarding our Services, you hereby agree to this Privacy Policy.

We respect the privacy of businesses and their owners or principals and are committed to protecting the information that you provide, directly in connection with your use of our Site or indirectly through third parties, to obtain Services from Onramp Funds. We may amend this Privacy Policy from time to time by posting a revised, dated version on the Site.

Information We Collect

In your use of the Site and Services, we collect either directly or indirectly, the following types of information:

• Information regarding a business (“Business Information”)
• Information about the business’s owners and principals (“User Information”)
• General information that is automatically collected as you interact with our Site and Services (“General Information”)

In order to provide Services, we collect Business Information from users, including, but not limited to business name, address, phone, email, age, size, revenue, business type, incorporation date, bank and financial account information, sales channel information (online shopping carts, marketplaces, and other sales channels), sales enablement channel information pertaining to inventory, advertising, fulfillment, shipping, and payments, payment processing procedures, accounting information, and other vendor service information. We also review personally identifiable User Information, PII, that consists of but is not limited to the owners’ or principals’ name(s), mailing address(es), email address(es), telephone number(s), date(s) of birth, and social security number(s).

Sales channel information sources, sales enablement channel information sources, fulfillment information sources, shipping information sources, and payment information sources may collect downstream customer data (customer data about your customers). Onramp Funds does not collect or store data about your individual customers and does not collect the PII of these downstream customers from any source.

We collect both User and Business Information from you when you register on our Site, fill out forms or fields on the site, complete applications for products and services available from us, or communicate with us via telephone, email, mail, facsimile, or other means. In the course of providing our Service(s), we may collect additional User Information or Business Information from third parties, including, but not limited to, referral partners, integration partners, identity verification services, mailing list providers, credit bureaus, and publicly available sources, and may combine this information with the information you provide to us and/or that we already have about you.

General information is collected by us from your computer, mobile device, or other access device when you use our Site, view content about the Site, or open emails or links in emails from us. This General Information includes, but is not limited to, information about the equipment you use to access the site, usage details, your internet connection and ISP, your access device(s) operating system, browser, other device details, IP address, your mobile device’s unique identifier, your mobile network information, web pages and advertisements you view, and information you search for on our Site. As per most websites, we gather certain information automatically and store it in log files, which may include, but is not limited to, internet protocol addresses (IP addresses), browser type and version, internet service provider (ISP), referring and exit pages, pages and files viewed on our site, operating system, device type (e.g., desktop, tablet, mobile, etc.), date and time stamps, and/or other click stream data. We reserve the right to link this automatically collected data to other information we collect about you.

We and our business partners, affiliates, analytics, and other service providers use cookies and similar technologies to analyze trends and site usage, administer the Site and Services, track user engagement and activities within the website, and to gather demographic information about our user population. We may receive reports based on the use of these technologies on either an individual or aggregated basis.

Our use of analytics software allows us to better understand the functionality of our Site(s), application(s), and Service(s). This software may record information such as how often you use the Services, the events occurring when you’re on the Site or within the application(s), aggregated data, performance data, and other information pertaining to your use.

Use of Collected Information

In order to establish a safe, easy-to-use, efficient, and customized experience that allows users to take full advantage of our products and services through the Site(s), we use the Business Information, User Information, and General Information we collect to:

• Enable users to obtain products and services via the Site
• Facilitate activities and transactions that occur in connection with our products
• Send notifications and information regarding our Site and Products
• Provide customer support
• Protect against potentially prohibited or illegal activities, including fraud
• Fulfill legal requirements
• Customize and improve the user experience
• Provide targeted marketing and advertising
• Measure the performance of our Site(s) and Service(s) via user devices
• Manage, secure, and protect our technology infrastructure
• Administer and manage security for the site
• Compile, use, research, analyze, and generate data analytics enabling us to better understand our customers

SMS Marketing

In addition to the uses described above, we may use your mobile phone contact information to share account-related information and updates with you via SMS messaging. By providing your mobile phone number to us, you consent to receive such communications from us. You may opt out of receiving SMS messages from us at any time by following the instructions provided in the message or by contacting us at support@onrampfunds.com. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Please note that even if you opt out of receiving SMS messages, we may still send you non-marketing messages related to your account and transactions with us.

Information Sharing and Disclosure

We take privacy seriously and only share information as described in this Privacy Policy or as required by United States Federal Law or State, Territory, and/or local laws of the fifty States and Territories of the United States. We may share any of the information we have about you with business partners, service providers, and other third parties per the following terms:

• To support business operations, including, but not limited to, Site(s) customer services, fraud detection and prevention, secure data transmission and storage, and similar services. These providers are authorized to use your PII only as necessary to provide services.
• To provide the products and Service(s) for which you provided us information or for other purposes disclosed by us to you when you provided the information to us.
• To third parties with your consent in order to offer the Service(s).
• To protect and secure your data from fraud, illicit access, unauthorized use, claims or liabilities, or for resolving disputes or inquiries.
• To comply with federal, state, territory, or local laws, rules, and other applicable legal requirements and regulations, to comply with properly authorized civil, criminal, or regulatory investigations, subpoenas, summons, bankruptcy notices by federal, state, or local authorities, or to respond to judicial process or government regulatory authorities that have jurisdiction over us for examination, compliance, or other purposes as authorized by law.
• To the extent permitted or required under other provisions of laws to law enforcement, the Federal Trade Commission, or self-regulatory organizations for an investigation related to public safety.
• To a buyer or other successor in the event of an acquisition, merger, divestiture, restructuring, reorganization, dissolution, or other transfer of all or a portion of our business or an operating unit.

We may share individual or aggregated Business Information or User Information, subject to your opt-out, with our business partners, including for jointly offered products and services, under agreements that restrict our business partners' use of the information and require business partners to follow similar policies to protect your data’s privacy and security and comply with the same laws and regulations that we follow.

We may also use, sell, license, or distribute General Information (i.e., non-personally identifiable information) or personally identifiable User Information that has been anonymized so that the information does not identify a specific user without restriction, including, but not limited to, for producing data analytics and reports for business partners or others.

Protection of Information

We protect User Information and Business Information by using reasonable physical, electronic, and procedural safeguards in compliance with applicable federal and state regulations. We use computer safeguards such as firewalls and data encryption using Transport Layer Security (TLS) technology. We also limit access to User Information and Business Information to employees who need the information to fulfill their job responsibilities. Such employees are provided access to User Information and Business Information only to the extent necessary to complete their job duties.

We store and process information using third-party servers located in data centers within the United States. By using our Site and Services, you agree that we may transfer your information to the third-party service providers with whom we have contracted, to store and process your data in the United States. Although we will comply with our legal obligations to maintain the privacy of PII, we cannot guarantee the confidentiality or security of your information after it has been delivered via the internet or other methods to us.

Do Not Track

Our Site does not respond to Do Not Track signals.

Your California Privacy Rights

California law permits users of our Site that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us via the contact information below.

Changes to Our Privacy Policy

We reserve the right to modify this Policy at any time. If we decide to change our Policy, we will post those changes to this Policy on our Site’s homepage and any other places we deem appropriate to make you aware of the changes. If we make material changes to this Policy, we will notify you via email or by means of a notice on our homepage prior to the changes becoming effective.

Contact Information

If you have questions about this Policy, you can reach us at: support@onrampfunds.com