BBB Commercial Financing LLC
Privacy and Cookies Policy and Declarations of Consent
1. Who We Are and What this Policy Is.
Welcome to BBB Commercial Financing LLC, (“BBB,” “we,” “us” and “our” etc.). BBB is a leading commercial financing company assisting companies improve their cash-flow and overall business profitability. BBB is a trusted adviser to many of the country’s most respected business organizations. BBB operates nationwide, providing expert financing solutions for small, medium and large commercial entities.
We provide a variety of services to these clients and other parties, including, but not limited to: (i) Commercial Lines-of-Credit; (ii) Debt consolidation Financing; (iii) Merchant Cash Advances; (iv) Equipment Financing; (v) Invoice A/R Financing; (vi) Vendor Financing; (vii) Franchise Financing; (viii) SBA Lending Programs and (ix) Other Commercial Real Estate Financing (collectively, and among others, our “Services”). For additional information on our Services please visit https://www.BBBcommercial.com
BBB takes its responsibility for the processing of your personal data and information very seriously, whether provided to us on our website, via email, via social networking sites, telephone interviews, in person or otherwise. For the purpose of this Policy, the controller of personal data is BBB Commercial Financing LLC and our contact details are set out in the 'How to Contact Us' section at the end of this Policy.
In addition to terms defined elsewhere in this Policy, the following terms shall have the following meaning throughout this Policy:
“Personal Information” means any information that either (a) personally identifies a natural person; or (b) pertains to an identifiable natural person, i.e. someone who can be identified, directly or indirectly, in particular, by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to his or her physical, physiological, genetic, mental, economic, cultural or social identity, or (c) constitutes individually identifiable information about an individual consumer collected by us online through our website and that we maintain in an accessible form, or that (d) we are otherwise required to protect under applicable data privacy laws (including, but not limited to, national, international and supranational data protection and privacy laws, directives, regulations and comparable legal acts).
Examples of Personal Information include your contact details such as your name, email address, birthday or phone number as well as information about your professional education and experience, skills, preferences, membership in professional organizations, etc.;
“Processing” (and variations such as “Process”) means any operation or set of operations which is performed on Personal Information or on sets of Personal Information, whether or not by automated means, such as the collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, blocking, restriction, erasure or destruction;
“Sensitive Personal Information” means Personal Information revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, and the Processing of genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person's sex life or sexual orientation; “Site” means http://www.BBBcommercial.com/ and all web pages hosted at that domain (such as the “career” page at http://www.BBBcommercial.com/careers.html).
3. Processing of Your Personal Information
Depending on your interaction with us, your Personal Information may be Processed as follows:
(i) Your Information – Declaration of Consent
As part of our Services, we specialize in the structuring of business and Commercial Real Estate (CRE) financial solutions on behalf of our clients, including by using machine learning and/or artificial intelligence tools to produce insights and financing solutions based on data held by (or available to) BBB (“Client Services”).
In the event you are interested in working with BBB as a client or a career with BBB, you can provide us with information on your personal and professional background (“Information”) that we will, subject to our sole discretion, take into consideration as part of the Client Services. For example, you may provide this information directly to one of our consultants or upload your Info through our Site.
Providing any Information is purely voluntary on your part. Although it is generally true that, the more information you share with us, the better we are able to assess your potential qualification and suitability for various financing solutions or open career positions, we urge you not to disclose to us any Information that is likely of little or no relevance or may not even be legally considered as part of common loan underwriting or hiring processes. This applies, in particular, to Sensitive Personal Information. Your Information will mainly be Processed by and on behalf of BBB.
However, depending on how and where the Client Services need to be performed in your individual case, your Information might, in addition, be Processed by and on behalf of our affiliated companies (the “BBB Network”) or by selected partners with whom we may work with. Your Information Processed by BBB and/or other companies of the BBB Network might contain (a) your contact details (name, address, phone number, email address, etc.), (b) your business data, (c) information on your business activities and/or customers, and (d) your business licensing, professional certificates, etc.
Your Information may be shared with third parties as follows:
· Your Information will be stored in databases located the United States. The servers hosting the databases are operated by and accessible to members of the BBB Network or third-party service providers, acting on their behalf and as per their instruction in order to operate the servers. Physical support of the servers is provided by GoDaddy Operating Company LLC;
· Via the databases, your Information will be available to the consultants and administrative staff of the different companies in the BBB Network for the purposes of providing the Client Services;
· Subject to our discretion, we might disclose excerpts of your Information such as your professional education and employment history with particular clients in order to confirm whether they might be interested in you as a Client with respect to an opening for an executive or similar management position they have informed us of. The information disclosed will be limited to what is necessary for this purpose. We will not disclose the entirety of your Information or otherwise introduce you to any client in detail without first obtaining separate and specific consent from you.
By declaring your consent as set forth below you therefore explicitly and unambiguously (a) agree that your Information, or parts thereof, may be disclosed or otherwise transferred, as described above, to recipients in countries that may provide different, less or even inadequate protection of personal data as compared to the standards applicable in the jurisdiction you reside or work in or you contact us from, and (b) waive protection according to such standards with respect to the information so disclosed or transferred.
As part of the Client Services, your Information may be Processed for the purposes of:
(a) evaluating and underwriting your company and its principals for potential financing,
(b) assessing your company’s suitability for various financing opportunities,
(c) informing you of available financing solutions potentially suitable for you,
(d) sending you information or materials that we believe you may find interesting, such as reports, research, invitations to networking events, or information regarding our Services, publications and surveys,
(e) introducing you to our capital partners/investors/funders,
(f) verifying your business Information, personal credentials, professional diplomas and certificates,
(g) performing searches for information on your personal and professional life publicly available via social media services (e.g. Facebook, Google, LinkedIn, Twitter, etc.), on the Internet or within data you have previously disclosed to us, provided that such information might be of importance to your qualification for particular financing,
(h) operating the databases your Information is stored in, or
At no point will your Information be used for purposes other than providing Client Services. Your Client Data will be Processed until you revoke your declaration of consent given when sharing Client Data with us. Upon the revocation of your declaration of consent, we will delete your Client Data from all databases.
We will retain your Personal Information where we have an ongoing consent or legitimate business need to do so (for example, to provide you with our services or to show we are compliant with applicable laws). By sharing your Information with us, you explicitly consent to the Processing of your Information, including any Sensitive Personal Information you might choose to disclose to us, as described above.
This may include, without limitation, the transfer of your Information, or parts thereof, to countries not providing an adequate level of protection of personal data. You acknowledge that you are under no obligation to provide your consent and that, if you choose to do so nonetheless, you may revoke your declaration of consent (including to specific aspects of our processing) at any time with future effect by using the following contact details: RFarrMD@BBBcommercial.com.
Sections (ii) to (iv) (inclusive) apply to the extent you are using our Site:
Where necessary during your visit of the Site or when revisiting the Site, your Internet browser transmits the cookies including the contained information back to the servers they were initially downloaded from. The analysis and Processing of such information allows us to ensure the functionality of the Site, improve your online experience and optimize the structure and content of the Site.
The cookies we use can be categorized as follows:
· Session Cookies: These are cookies that allow our Site to collect information about what you do during a browsing session each time you visit the Site. When connecting to our server, your device will be allocated a session ID, which enables our server to identify your device during the session and facilitates Site usability. These cookies are temporary and are set to be deleted when you leave the Site;
· Persistent Cookies: These are cookies that are stored by your Internet browser for more than a session and are set to expire within a defined time period. Persistent cookies enable us to remember your settings and information, so you do not have to keep re-entering them whenever you visit our Site. They also measure how you use and interact with the Site and enable us to personalize the Site. For example, they may allow us to alter the rotation of images on the Site so that different images will be displayed on your next visit;
· First-Party Cookies: These are cookies that we store and access on your device in our capacity as controller of your Personal Information when you visit our Site. They might include cookies related to third-party service providers, provided that we control and determine the purposes and means of the Processing of your Personal Information logged by such cookies. As a result, first-party cookies might log user-related Personal Information accessible to and Processed by third parties on our behalf and subject to our instructions.
For more information on how to do so in the settings of your particular Internet browser, please see the following information:
· Internet Explorer: https://privacy.microsoft.com/en-us/internet-explorer-ie11-preview-privacy-statement
Please be aware that this might render certain functions of our Site inoperable or more difficult to use. Depending on the Internet browser you use, you might also be able to specifically reject third-party cookies. In this context, please note, however, that third parties might still have access to your Personal Information to the extent that such information is logged by first-party cookies.
For additional information on first-party and third-party cookies used on our Site in the context of third-party services and for information on how you might stop such cookies from being stored on your device, please see “Third-Party Services” below.
(iii) Third-Party Services
On our Site, we use the following services provided by third parties:
· Google Analytics Our Site uses Google Analytics, a web analytics service provided by Google, Inc., located at 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help analyze how users use the Site.
Furthermore, you can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under https://tools.google.com/dlpage/gaoptout?hl=en-US Further information concerning the terms and conditions of use and data privacy can be found at http://www.google.com/analytics/terms/gb.html or at https://www.google.de/us/policies/
Additionally, we use the following Social Media Platform Cookies, all intended to facilitate linking and following by or from the respective platforms:
· Facebook 1, Hacker Way, Menlo Park, CA 94025, USA
· LinkedIn 2029 Stierlin Ct. Ste. 200, Mountain View, CA 94043, USA
· Twitter 1355 Market Street, San Francisco, CA 94103, USA
In addition to the above, you can manage the cookies of various third-party service providers by setting respective opt-out cookies on http://www.aboutads.info/choices/ or http://www.youronlinechoices.com/uk/your-ad-choices.
(iv) Do-Not-Track Disclosure
Laws such as California Business and Professions Code § 22575 require us to disclose how our Site responds to Internet browser “Do Not Track” signals and/or other mechanisms that seek to provide consumers with the ability to control the collection of their Personal Information through online tracking for certain purposes, such as targeted or behavioral advertising.
We do not make any promises or guarantees about the effects of any “Do Not Track” signal we receive from your Internet browser because (a) the “Do Not Track” technology is not necessarily effective for any or all Internet browsers, mechanisms or technologies, (b) third parties we cooperate with may not honor your “Do Not Track” signal; and (c) technologies, Internet browsers and access devices may change from time to time and efforts to honor your “Do Not Track” signal might or might not be effective for each technology or across all platforms.
However, in “Cookies” and “Third-Party Services” above, we describe how you may use mechanisms similar to the “Do Not Track” technology of certain Internet browsers in order to effectively prevent us or third parties from collecting your Personal Information through online tracking. To the extent that you make use of these mechanisms, your preference not to be tracked or to be tracked only to a limited extent will be honored by us and the third parties providing services to us.
(v) Personal Information Pertaining to Children
Our Services are not intended to be used by minors and we do not want to collect information from minors. If a child’s parent or a guardian believes their child may have provided Personal Information to us, please write us using the contact details provided in “How to Contact Us” below and we will delete that Personal Information, subject to the applicable law and this Policy.
4. Data Security
Protecting your Personal Information is important to us. We use appropriate technical and organizational measures and safeguards designed to help prevent unauthorized access, unlawful Processing, and unauthorized or accidental loss of your Personal Information.
5. Your Right to Information
Subject to the applicable law, you have the right to: (a) obtain information about your Personal Information we Process;(b) to request the correction or completion of incorrect Personal Information we Process; (c) to request the deletion of Personal Information we Process; (d) to object to our Processing of your Personal Information or to Restrict the way we Process such Information; and (e) to request to receive Personal Information in a structured, commonly used and machine-readable format and to ask us to transmit that Information to you or directly to a third party. To make a respective request, please use the contact details provided in “How to Contact Us” below.
6. Amendments to This Policy
From time to time we may change our business activities and/or our policies and procedures with respect to the Processing of Personal Information. Where appropriate in these cases, we will, subject to applicable law, revise, supplement, or replace this Policy. When the Policy changes, we will post the substitute version and change the effective date listed at the beginning of the Policy. When required by applicable law, however, we may provide you with advance notice of any changes to this Policy and with an opportunity to object to such changes.
If you exercise your right to object, the changes will not become effective with respect to your Personal Information, but your ability to use our Services may be terminated or impaired. We will explicitly notify you of the consequences of the objection or non-objection to the extent and in the manner required by law.
7. How to Contact Us
We encourage your questions and comments about this Policy and our privacy practices. Please contact us using the information below, and we will respond to you as soon as reasonably possible:
BBB Commercial Financing LLC 99 Wall Street #3350, New York NY 10005 USA
Last updated: December 21, 2019
Contact BBB Commercial Financing
SBA Loans/Grants For Small Business
Congress just passed a $4.5 Billion Dollar Relief Package for Small Businesses, but this money will go fast, so YOU HAVE TO ACT NOW TO GET IT...
Money for the original Payroll Protection Plan (PPP) ran-out quickly, and now many banks and lenders have stopped taking applications, but BBB is accepting New Applications, which will be assigned to the SBA for this next round of relief funding.
This way, you'll get funding faster. That's because you signed-up sooner, and this money is available on a FIRST-COME FIRST-SERVE BASIS, so you'll be nearer to the front-of-the-line when the new relief money is distributed
The SBA has both GRANTS & LOANS for Small Business owners. Loan Interest Rates are less than 1% interest and Grants never need to be repaid.
These special GRANTS provide an "emergency advance" of up to $10,000 to small businesses and private non-profits harmed by COVID-19 .
The advance does not need to be repaid under any circumstance, and may be used for business purposes, such as payroll or paying sick leave, or paying business obligations, like debts, rent and mortgage payments. (See p. 28, Section 1110(e)(5) of H.R. 748 (CARES Act))