Terms of Use

Last Revised in January, 2019

By accessing or using the www.nationalbusinesscapital.com (“Website”) or any service made available by National Biz, LLC DBA National Business Capital or its affiliates (“NBC”) (together, the “Service”), however accessed, you agree to be bound by these terms of use (“Terms”).  Your use of, or participation in, certain Services may be subject to additional terms, and such terms will be either listed in the Terms or will be presented to you for your acceptance when you sign up to use such Services or purchase such products. These Terms affect your legal rights and obligations.  by accessing or using the Service, you acknowledge and represent that you have read, understand and are fully able and competent to accept these terms and conditions AND AGREE TO BE legally BOUND BY THEM. If you are under the age of thirteen (13) OR IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICE. The terms and conditions below limit our liability and obligations to you and allow us to change, suspend or terminate your access to and use of the Service at any time in our sole discretion. It is your responsibility to read the following terms and conditions:

Accounts

When you create an account with us, you must provide us information that is accurate, complete, and current at all times. Your failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account. Your account is to be used only by you and only for your business needs. You may not authorize others to use your account, and you may not assign or otherwise transfer your account to any other person or entity. You are solely responsible for, and assume all liability regarding (i) the information and content you provide, (ii) the information and content you make available in any manner through the Service, and (iii) your interaction with any and all third-parties. Any attempt to enter information to create a duplicate account will be rejected and your account will be put on hold. You assume all risk when using the Services, including but not limited to all of the risks associated with any interactions with third-parties, including but not limited to any lenders to which you are matched, referred or provided. NBC may not be able to provide matches for every user seeking to use its Services. Further, NBC makes no guarantees as to the number of matches or the ability to obtain business funding. You agree to provide accurate, true, current and complete information and agree to not use the Service for any illegal purpose. You will only use the Service in accordance with federal, state and local laws and for a bona fide business purpose.

License

The Service contains content owned or licensed by NBC (“NBC Content”).  NBC Content is protected by copyright, trademark, patent, trade secret and other laws, and, as between you and NBC, NBC owns and retains all rights in the NBC Content and the Service.  You will not remove, alter or conceal any copyright, trademark, service mark or other proprietary rights or notices incorporated in or accompanying the NBC Content.  Also, you will not reproduce, modify, adapt, prepare derivative works based on, perform, display, publish, distribute, transmit, broadcast, sell, license or otherwise exploit the NBC Content. With these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to use the Service only for its intended use. We may terminate this license at any time for any reason whatsoever. You will not post, copy, modify, transmit, disclose, show in public, create any derivative works from, distribute, make commercial use of, or reproduce in any way any (i) confidential information or (ii) other copyrighted material, trademarks, or other proprietary information accessible via the Service, without first obtaining the prior written consent of the owner of such proprietary rights. By providing information or content to any account or public area of the Service, you automatically grant, and you represent and warrant that you have the right to grant, to NBC and its users, an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to use, reproduce, publicly perform, publicly display and distribute such information and content, and to prepare derivative works of, or incorporate into other works, such information and content, and to grant and authorize sub-licenses of the foregoing. From time to time, we may create, test or implement new features or services on the Service in which you may voluntarily choose to participate, in accordance with the additional terms and conditions of such features or programs. By your voluntary participation in such features or programs, you grant us the rights stated in this subsection in connection with the additional terms and conditions (if any) of such features or services.

Availability, Errors, and Inaccuracies

We are constantly updating our Service. The Service may be described inaccurately, or unavailable, and we may experience delays in updating information on the Service and in our advertising on other web sites. We cannot and do not guarantee the accuracy or completeness of any information, including availability and services. While we strive to ensure that the Service works, we cannot and will not guarantee that our Services will work as intended and that content will be available or accessible at any specific point in time.  We expressly disclaim any and all liability as a result of delayed, lost, or unsent messages or errors associated to the content or Services.  We reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice. Our Service depends on various factors such as software, hardware and communications networks, and other factors outside of its control. You understand that we do not guarantee that the Service will be uninterrupted or that it will be timely, secure and error-free.

Privacy

Use of the Service is subject to the terms of our Privacy Policy, which is hereby incorporated into and made part of these Terms.  Please carefully review our Privacy Policy.  By using or accessing the Service, you agree to be bound by the terms of our Privacy Policy.

Links To Other Web Sites

Our Service may contain links to or other content related to third-party web sites or services that are not owned or controlled by NBC. NBC has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party web sites or services. We are not responsible for the availability or content of such third-party links, web sites, products or services.  You further acknowledge and agree that NBC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Copyright Complaints

NBC respects the intellectual property of others. If you are a trademark or copyright owner and you believe that your rights have been violated in any way, please notify us of your claim of infringement by sending the following written information to our designated copyright agent:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
• Information reasonably sufficient to permit us to contact you such as an address, telephone number, and, if available, an electronic mail address at which you may be contacted;
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Our copyright agent for notice of claims of copyright infringement can be reached at: 1 Corporate Drive, Suite 202 Bohemia, NY 11716 Management@national.biz

Compliance With Laws

You represent and warrant that (i) you are not located in a country that is subject to a United States Government embargo, or that has been designated by the United States Government as a “terrorist supporting” country; and (ii) you are not listed on any United States Government list of prohibited or restricted parties. You agree that you will not use the Service for any prohibited purpose. It is your sole responsibility to ensure that your use of the Service complies with all laws, rules and regulations applicable to you. In addition, you acknowledge that to use the Service, (i) the content must be yours (you own it) or you have the right to use it and grant us the rights and license as provided in these Terms, and (ii) the use of your content on or through the Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person or entity.

Indemnification

To the maximum extent permitted by law, you agree to defend, indemnify and hold harmless NBC, its licensees and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of or in connection with: (i) your use and access of the Service; (ii) a violation or breach of these Terms or any other agreement that governs your use of the Service; (iv) a violation of any of your representations or warranties made to us, or (v) a violation of any law or the rights of any third party.

Disclaimer Of Warranties

The service is provided on an “as is”, “as available” and “with all faults” basis.  to the fullest extent permissible by law, neither NBC nor any of its subsidiaries, affiliates, related companies, employees, managers, officers, or agents (collectively, the “NBC parties”) make any representations or warranties or endorsements of any kind whatsoever, express or implied, as to: (a) the service; (b) NBC content; (C) third party CONTENT; or (D) security associated with the transmission of information to NBC or via the service.  in addition, the NBC parties hereby disclaim all warranties, express or implied, including, but not limited to, the warranties of merchantability, fitness for a particular purpose, non-infringement, title, custom, trade, quiet enjoyment, system integration and freedom from computer virus. The NBC parties do not represent or warrant that the service will be error-free or uninterrupted; that defects will be corrected; or that the service or the server that makes the service available is free from any harmful components, including, without limitation, viruses.  the NBC parties do no make any representations or warranties that the information (including any instructions) on the service is accurate, complete, or useful.  you acknowledge that your use of the service is at your sole risk.  the NBC parties do not warrant that your use of the service is lawful in any particular jurisdiction, and the NBC parties specifically disclaim such warranties. By accessing or using the service you represent and warrant that your activities are lawful in every jurisdiction where you access or use the service. The NBC parties do not endorse content and specifically disclaim any responsibility or liability to any person or entity for any loss, damage (whether actual, consequential, punitive or otherwise), injury, claim, liability or cause of any kind or character based on or resulting from any content.

Limitation Of Liability; Waiver

UNDER NO CIRCUMSTANCES WILL THE NBC PARTIES BE LIABLE TO YOU FOR ANY LOSS OR DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, FOR ANY DIRECT, INDIRECT, ECONOMIC, EXEMPLARY, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL LOSSES OR DAMAGES) THAT ARE DIRECTLY OR INDIRECTLY RELATED TO: (A) THE SERVICE; (B) NBC CONTENT; (C) THIRD PARTY CONTENT; (D) YOUR USE OF, INABILITY TO USE, OR THE PERFORMANCE OF THE SERVICE; (E) ANY ACTION TAKEN IN CONNECTION WITH AN INVESTIGATION BY THE NBC PARTIES OR LAW ENFORCEMENT AUTHORITIES REGARDING YOUR OR ANY OTHER PARTY’S USE OF THE SERVICE; (F) ANY ACTION TAKEN IN CONNECTION WITH COPYRIGHT OR OTHER INTELLECTUAL PROPERTY OWNERS; (G) ANY ERRORS OR OMISSIONS IN THE SERVICE’S OPERATION; OR (H) ANY DAMAGE TO ANY USER’S COMPUTER, MOBILE DEVICE, OR OTHER EQUIPMENT OR TECHNOLOGY, INCLUDING, WITHOUT LIMITATION, DAMAGE FROM ANY SECURITY BREACH OR FROM ANY VIRUS, BUGS, TAMPERING, FRAUD, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER LINE OR NETWORK FAILURE OR ANY OTHER TECHNICAL OR OTHER MALFUNCTION, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS, LOSS OF GOODWILL, LOSS OF DATA, WORK STOPPAGE, ACCURACY OF RESULTS, OR COMPUTER FAILURE OR MALFUNCTION, EVEN IF FORESEEABLE OR EVEN IF THE NBC PARTIES HAVE BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, STRICT LIABILITY OR TORT (INCLUDING, WITHOUT LIMITATION, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, OR THEFT OR DESTRUCTION OF THE SERVICE).  IN NO EVENT WILL THE NBC PARTIES BE LIABLE TO YOU OR ANYONE ELSE FOR LOSS, DAMAGE OR INJURY, INCLUDING, WITHOUT LIMITATION, DEATH OR PERSONAL INJURY.  SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. BY ACCESSING THE SERVICE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.” THE NBC PARTIES ARE NOT RESPONSIBLE FOR THE ACTIONS, CONTENT, INFORMATION, OR DATA OF THIRD PARTIES, AND YOU RELEASE THE NBC PARTIES FROM ANY CLAIMS AND DAMAGES, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY CLAIM YOU HAVE AGAINST ANY SUCH THIRD PARTIES.

Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.

Time Limitation On Claims

You agree that any claim you may have arising out of or related to your relationship with NBC must be filed within one (1) year after such claim arose; otherwise, your claim is permanently barred.

Governing Law

You expressly agree that these Terms and any dispute arising out of these Terms or use of the Service shall be governed, construed, and enforced in accordance with the laws of New York, United States, without regard to its conflict of law provisions. You further agree and consent to the exclusive personal and subject matter jurisdiction and venue of the state and federal courts located in Suffolk County, New York, for the resolution of any such dispute and you agree and submit to personal jurisdiction in such courts. In addition, you forever waive any argument or defense based on personal jurisdiction, venue, or forum non conveniens.

Class Action Waiver

IN ANY DISPUTE, NEITHER YOU NOR ANY OTHER PERSON SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS AS A REPRESENTATIVE OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. YOU ACKNOWLEDGE THAT YOU ARE GIVING UP YOUR RIGHTS TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO ANY SUCH CLAIM.

Miscellaneous Terms

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. You may not assign your rights or obligations under this Agreement without our prior written consent and any attempt to do so without such consent will be null and void and given no force or effect.  NBC may assign its rights under this Agreement without condition. These Terms constitute the entire agreement between us regarding the Service and supersede and replace any prior agreements we might have between us regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time, without notification. It is your responsibility to review the latest Terms before you use the Service. By continuing to access or use the Service after new Terms become effective, you agree to be bound by the new Terms. If you do not agree to the new Terms, please stop using the Service.

Contact Us

If you have any questions about these Terms prior to accepting, please contact us at Management@national.biz

Thank you for visiting the National Business Capital website (the “Site”), which is operated by National Business Capital (referred to as the “Company,” “we,” “us,” or “our”).

At National Business Capital, we respect the privacy of our customers, business partners, and Site visitors. We are committed to protecting the privacy of individuals who visit the Site.

This Privacy Policy (the “Policy”) explains how the Company collects, uses, and shares information about you (“customer,” “you,” and “your”) that you provide or that we obtain online when you visit the Site, utilize our services, or sign up for e-mail or text message advertisements (“Services”).

This Policy also describes the rights and choices you may have with respect to your personal information, how you can assert those rights, and how you can reach us to get answers to your questions. Please take a moment to familiarize yourself with our privacy practices. If you have any questions regarding our Policy, please see the Contact Us section below.

Please read this Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Site.

What Information Do We Collect and How do we collect it?

• We collect information from you when you apply on the Site or participate in another Site feature.
• When applying, we may ask you for your name, e-mail address, mailing address, phone number, gross sales, and credit card volume or other information. You may, however, visit our Site anonymously.
• When you sign up to receive advertising communications from us via email, SMS, or phone, we collect certain personal information from you. This information may include, but is not limited to, your name, email address, phone number, and any other details you provide during the sign-up process. This data helps us to manage and enhance our communication with you and to deliver the most relevant content and offers.
• If you begin filling out an application or other form on the site without submitting it, partial information, including but not limited to your name, e-mail address, mailing address, and phone number, will be collected.
• Like many websites, we use “cookies” to enhance your experience and gather information about visitors and visits to our websites. Please refer to the “Do we use ‘cookies’?” section below for information about cookies and how we use them.

How Do We Use Your Information?

We may use the information we collect from you when you apply or use certain other Site features in the following ways:

• To personalize your Site experience and to allow us to deliver the type of content and product offerings in which you are most interested.
• To allow us to better service you in responding to your customer service requests.
• To quickly process your requests.
• To administer other Site features.
• To respond or notify you, including when you begin filling out an application, reach out to us with a request or question, consent to a staff member emailing, texting or calling you about products or services you have asked about or applied for, and to notify you of updates to your application.
• For marketing and advertising, including tailoring and personalizing advertisements and promotional content we send to you. By understanding your preferences and interests, we aim to provide you with more relevant and useful advertisements, whether they are sent via email, SMS, or phone. Additionally, this information may be utilized for general advertising purposes, such as creating broad marketing campaigns and analyzing market trends, ensuring that our promotional efforts are effective and aligned with the interests of our audience.
• Any complete or partial information you provide, even if not fully submitted, may be used to contact you and send you general advertising communications. This includes emails, newsletters, or promotional materials that may be relevant to your interests based on the information you have entered on our site
• For internal purposes including, but not limited to, auditing, data analysis, and research to improve our product offering, service offering, and customer communications.
• To comply with our legal obligations, resolve any disputes that we may have with any of our users, and enforce our agreements with third parties.
• To fulfill any other purpose for which you provide it or for any other purpose with your consent; or in any other way, we may describe when you provide the information.

How Do We Protect Visitor Information?

We run off of Linux servers. We also use enterprise-class firewalls to protect your information. Our servers are monitored 24 hours/a day and 7 days/a week to ensure your information is protected. Please do note that you will never have to enter your social security number, date of birth, or actual credit card information on our Site. We do not accept payments on our Site. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. While we strive to protect your information, we cannot guarantee that your information is absolutely secure. Please keep this in mind when disclosing any information to us. Please recognize that protecting your information is also your responsibility. We urge you to take every precaution to protect your information when you are on the Internet, or when you communicate with us and with others through the Internet.

Do We Use “Cookies”?

Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current Site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about Site traffic and Site interaction so that we can offer better experiences and tools in the future.

We may contract with third-party service providers to assist us in better understanding our Site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Netscape Navigator or Internet Explorer) settings. Each browser is a little different, so look at your browser’s help menu to learn the correct way to modify your cookies. If you turn cookies off, you won’t have access to many features that make your Site experience more efficient, and some of our services will not function properly.

Your options

Updating or accessing your personal information. You can access or update your personal information by writing to us at the address specified in the Contact Us section below.

Email choices. You can opt out of marketing or advertising emails by following the unsubscribe process included in the promotional email you received. If you opt out of receiving marketing messages, you will still receive Service-related emails from us that may be necessary for us to make the Services available to you or respond to your inquiries.

• Telephone choices (calls and texts). You may opt out of receiving text messages by texting “STOP”, or to opt out of marketing or advertising calls, by contacting us through one of the methods specified in the Contact Us section below.

Do We Disclose the Information We Collect to Outside Parties?

By using our Services or providing us with your personal information, you consent to the collection, use, and disclosure of your information as described in this Policy.  We do not sell, rent, or lease to outside parties your personally identifiable information without your explicit consent, unless otherwise required by law. The term “outside parties” does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. The term “outside parties” does not include investors and other parties who assist us in the funding of your cash advance or servicing you, so long as those parties agree to keep this information confidential. Non-personally identifiable visitor information may be provided to other parties for marketing, advertising, providing you with relevant products, services, offers, or other uses. By providing your personal information, you acknowledge and agree that these outside parties may contact you via email, phone, or other communication channels, in order to offer their products, services, or promotions that may be of interest to you. Please note that the privacy practices of these outside parties are governed by their own policies, and we encourage you to review their privacy policies before engaging with them. Sharing excludes text messaging originator opt-in data and consent; this information will not be shared with any third parties. We do not control the actions of these outside parties, and we disclaim any responsibility or liability for their use of your personal information. If you wish to opt-out of receiving communications from our third-party partners, you may do so by following the instructions provided in their communications or by contacting us or them directly. However, please note that opting-out may impact your access to certain services or offers. We take reasonable measures to ensure that your personal information is securely shared with outside parties and that they only use your information for the purposes specified in this Policy. We may disclose personally identifiable information that we collect or that you provide:

• To our subsidiaries and affiliates.
• To contractors, service providers, vendors, and other third parties we use to support our business.
• To respond to subpoenas, court orders, and legal processes, or to establish or exercise our legal rights or defend against legal claims.
• To investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violation of our terms or agreements, or as otherwise required by law; and/or to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which your personal information is among the assets transferred.
• However, non-personally identifiable visitor information may be provided to other parties, including marketing agencies, advertisers, and business partners for marketing, advertising, or other uses.

Contact Us

If you have any questions or comments regarding this Policy, please do not hesitate to contact us by calling us at 1-888-488-4769 or emailing responses@National.biz

You may also contact our corporate headquarters by writing to us at:
National Business Capital
80 Arkay Drive, Suite 215
Hauppauge, NY 11788

Canada Residents

If you are a resident of Canada, or a Canadian entity, by using our Site and/or filling out an application, you consent to our collection, use, and disclosure of your business and personal information, both online and offline, for the following purposes:

We may use your credit, financial, and related personal and/or business information provided to us while engaging in our services. Birth dates, social insurance numbers, or other personal identification information may be used by us to verify your identity, records, or credit information, and for the purposes of meeting legal, regulatory, audit, processing, security requirements, and as otherwise permitted or required by Canadian law and applicable foreign laws.

In order to evaluate your potential or actual transaction and to establish your credit history and/or the credit history for your business, we may provide and collect your information to/from the following third parties: (1) our respective affiliates, agents, and representatives; (2) credit bureaus and reporting agencies; (3) other lenders, business and financial institutions with whom you or the Business have had or may have a financial relationship, including references and any credit card processors; (4) parties connected with or involved in the proposed or actual financing, insuring, securitization, sale, assignment or other disposals of all or part of our businesses or assets; and (5) Successors and assignees of our business or asset.

Your consent will continue and be valid until the above-stated purposes have been completed. By consenting to this Policy, you represent and warrant that you have the necessary consent of any other principals, guarantors, or other individuals whose personal information is provided to us by you.

Third Party Links

In an attempt to provide you with increased value, we may include third-party links on our site. These linked sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these linked sites (including if a specific link does not work).

Changes to Our Policy

If we decide to change our Policy, we will post those changes on this page. Policy changes will apply only to information collected after the date of the change. This Policy was last modified on June 17, 2024.

Online Policy Only

This online Policy applies only to information collected through our website and not to information collected offline.

Questions and Feedback

We welcome your questions, comments, and concerns about privacy. Please send us any and all feedback pertaining to privacy or any other issue.

Your Consent

By using our Site, you consent to our Policy.

*This provision does not apply to Canadian residents or entities

Children Under the Age of 13

Our Site is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Site. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Site or through any of its features, register on the Site, use any of the interactive or public comment features of this Site, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or username you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at the phone number provided in the Contact Us section above.

California Privacy Rights

These provisions apply only to California consumers and supplement this Policy. The California Consumer Privacy Act of 2018 (“CCPA”) and the California Privacy Rights Act of 2020 (“CPRA”), collectively referred to as “California Consumer Privacy Laws,” provide California consumers with specific rights regarding their personal information.

This section describes your rights under the California Consumer Privacy Laws and explains how you may exercise those rights. To exercise the rights below please see the section entitled How to Contact Us About Your California Privacy Rights below.

California Consumer Privacy Laws provide you with the following rights:

Right to know. You have the right to know what categories and specific pieces of personal information we collect about you, the sources from which we collect personal information, our business or commercial purpose for the collection, use, and sharing of your personal information, and any categories of third parties to whom we sell or with whom we share your personal information.

Right to data portability. You have the right to request a copy of personal information we have collected and maintained about you in the past 12 months. California Consumer Privacy Laws allow you to request your information from us up to twice during a twelve (12) month period. We will provide our response in a readily usable format.

Right to delete. You have the right to request that we delete the personal information that we have collected from you and maintained, subject to certain exceptions. Please note that if you request deletion of your personal information, we may deny your request or may retain certain elements of your personal data if certain exceptions apply under California Consumer Privacy Laws.

Right to opt out of selling or sharing. You have the right to opt out of the sale or sharing of your personal information, along with the right to opt in to the sale of such information. If we sell or share any of your personal information, you may, at any time, tell us not to sell or share your personal information. We will also treat Global Privacy Control browser signals as opt-out of sale/share requests under the California Consumer Privacy Laws. At the time this Policy was last updated, we have not sold (as defined in California Consumer Privacy Laws) nor shared personal information for the purpose of cross-context behavioral advertising in the past 12 months, as detailed below.

Right to correct. You have the right to request the correction of any personal information we maintain about you.

Right to limit use or disclosure of sensitive personal information (“SPI”). You have the right to limit the use or disclosure of your SPI if we are using your SPI beyond what is reasonable and proportionate to provide the requested goods or services.

Right to nondiscrimination. You have the right not to receive discriminatory treatment by us for the exercise of your CCPA privacy rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

How to Contact Us About Your California Privacy Rights

Calling us at 1-888-488-4769.

Writing to us at:
National Business Capital
80 Arkay Drive, Suite 215
Hauppauge, NY 11788

Verification of Your Identity

After you submit a request, (except as otherwise may be provided under California Consumer Privacy Law with respect to opt-out requests) we must verify your identity in order for us to properly respond and/or confirm that it is not a fraudulent request. To verify your identity, we will request, at a minimum, that you provide your name, email address, phone number, address, and relationship to us, so that we can seek to match this information with the information existing in our systems. When providing us this information, you represent and affirm that all information provided is true and accurate. If we are unable to verify that the consumer submitting the request is the same individual about whom we have collected personal information, we may contact you for more information, or we may not be able to meet your request.

Only you, or an agent legally authorized to act on your behalf, may make a verifiable request related to your personal information. If you are making a request as the authorized agent of a California consumer, we will ask you also submit reliable proof that you have been authorized in writing by the consumer to act on such consumer’s behalf.

Our Response Time to Your Request

We will make every effort to respond to your request within forty-five (45) days from when you contacted us. If you have a complex request, the California Consumer Privacy Laws allow us up to ninety (90) days to respond.

California “Shine the Light”

Under California Civil Code Section 1798.83, California residents have the right to request in writing from businesses with whom they have an established business relationship: (a) a list of the categories of personal, as defined under the statute, such as name, email address, and mailing address, and the type of services provided to the customer that a business has disclosed to third parties during the immediately preceding calendar year for the third parties’ direct marketing purposes; and (b) the names and addresses of all such third parties.

VIRGINIA PRIVACY RIGHTS

Virginia law provides Virginia residents with the rights listed below, subject to applicable law. Virginia residents may exercise these rights as detailed below in the section entitled How to Contact Us About Your Virginia Privacy Rights.

• Right to Know. You have the right to know and see what personal data we have collected about you.
• Right to Data Portability. You have the right to obtain a copy of your personal information that you previously provided to us in a portable and, when feasible, readily usable format, where the processing is carried out by automated means.
• Right to Correct. You have the right to request that we correct inaccurate personal information.
• Right to Delete. You have the right to request that we delete the personal information we have collected about you.
• Right to opt out of selling or sharing. You have the right to opt out of the sale of your personal information and the processing of your personal information for purposes of (i) targeted advertising or (ii) profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. We currently do not process or sell your personal information for the purpose of targeted advertising.

How to Contact Us About Your Virginia Privacy Rights

Calling us at 1-888-488-4769 or emailing us at responses@National.biz

Writing to us at:
National Business Capital
80 Arkay Drive, Suite 215
Hauppauge, NY 11788

Appeals

If we decline to take action regarding a request that you have submitted, we will inform you of our reason for declining to take action and provide instructions for how to appeal the decision. If we do not respond to a request that you make pursuant to your Virginia Privacy rights, you have the right to appeal our refusal to act within a reasonable period after you receive our decision. Within 60 days of our receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If the appeal is denied, we will also provide you with an online mechanism, if available, or other method through which you may contact the Attorney General to submit a complaint.