Camino Financial Privacy Policy

Last Updated: July 29, 2021

Applicability

This Privacy Policy applies to all persons described in the Terms of Use applicable to this website.

Collection of Information

This Privacy Policy applies to Camino Financial, our web site at www.caminofinancial.com (the “Site”), and our Services. Our Services consist of loans made to businesses and individuals. This Privacy Policy explains how Camino collects, uses, shares, and protects the personal information of our online visitors and customers. Our services are intended for visitors over age 16, and we do not knowingly collect or solicit information from persons under 16 years of age.

Collection of Personal Information

Camino Financial and each of its representatives, successors, agents, assigns and designees (“Recipients” and collectively “we”) will collect personal information required to verify your personal and/or business information to qualify you for loans directly funded by Camino or with active banks, non-depository lenders and other lending sources. We may collect personal information from you when you make an inquiry, contact us, or request or submit an application for a loan. “Personal Information” is information that identifies you, or can be used to identify you, directly or indirectly.We may collect personal information that includes, but is not limited to, your financial statements, bank statements, personal and business information, personal and business credit history, social security number, tax ID number and bank information. We may visit your website, public disclosures and social media outlets to obtain more information. Personal information requested for applications is required to process your application. You give consent for Camino Financial and Recipients to request (a) credit report(s) on all persons described in the Terms of Use from one or more consumer and business reporting agencies, such as TransUnion, Experian and Equifax, and from other credit bureaus, banks, creditors and other third parties. You also authorize Camino Financial employees or representatives to complete the fields required within our loan application on your behalf, subject to your review. You also consent to the release to us by any creditor, financial institution, or other third party who has done business with you of information relating to any of you, excluding information directly or indirectly taken from personal or business credit reports. Once you have submitted an application, we may reach out to you again for more information.

We may collect your name and email address when you submit a webform, or contact us directly using our Site. We use this information to respond to your inquiries, communicate with you, or for other informational or marketing purposes in accordance with your marketing preferences.

We may also collect indirect information about how you access or use the Site and our services. This indirect personal information may include your computer operating system, browser type, browser language, webpages visited, Internet protocol (IP) address, and other information about your use and actions on our Site. We use this information to analyze, administer, or optimize the Site, and monitor usage to help improve our Site and services.

Security and Information Storage

We take the security of your information very seriously. We use reasonable physical, technical, and organizational measures to protect and secure your personal information. We strive to implement best practices to safeguard your information, but you should understand that no data storage or data transmission process is guaranteed to be 100% secure. Camino protects your information with 2048 bit Secure Sockets Layer (SSL) encryption. This creates a bank level encrypted connection when submitting application forms on the Camino website. All data is securely kept on Amazon Web Service’s servers in the United States.

If you allow Camino to see your banking information online rather than in paper form, we may record that information on a read-only basis. We do not have access to change, edit, or modify your online banking account information in any way, nor to make any transactions on your behalf.

Use of Information

We may use the information you provide about yourself and/or your business to fulfill your requests for our Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you. We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. We may use your information to improve and personalize the Services and any related services, including future products and services. For example, we may use your information to pre-fill form fields on the sites for your convenience.

Sharing of Information

We may share your information with third party vendors or service providers to fulfill our legitimate business purposes, such as to extend credit, or provide analytic or archival services. We also share your information when required to comply with legal, law enforcement, or government requests. We do not sell or give your information to other third parties.

We may share personal information about you as follows:

• To transmit our loan application form, along with any foregoing information obtained in connection with this application, excluding information directly or indirectly taken from personal or business credit reports, to any or all creditors, financial institutions and other third parties to render the Services;
• With academic and non-profit institutions for research purposes, on a de-identified basis;
• In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business on a de-identified basis;
• To respond to subpoenas, court orders, or legal process;
• In order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Use, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our network, Sites or Services;
• To respond to claims that any posting or other content violates the rights of third parties;
• In an emergency, to protect the health and safety of our Sites’ users or the general public; or
• As otherwise required or permitted by law.
• Non-personalized, anonymous data may be aggregated with data from other users and other data sources may be collected and shared with partners or for marketing purposes.

You authorize Camino Financial to transmit our loan application form, along with any foregoing information obtained in connection with this application, excluding information directly or indirectly taken from personal or business credit reports, to any or all creditors, financial institutions and other third parties to render the Services;

Information from Third Parties

We may partner with Third Parties to provide our Site and services. This Site may also contain third party links from partners or other third parties. We do not control third party links or sites. You are subject to these third parties’ privacy policies. Please review third party privacy policies to inform you of how they may use your personal information.

Use of Cookies & Similar Tracking Technologies

We, or third parties, may use cookies (small text files stored on your computer) or similar tracking technologies such as web beacons to help analyze trends on our Site, such as the number of visits on a webpage.

Telephone and Email Communications

We may provide customers who have registered with us for this purpose to receive telephone calls, ringless voicemails, email alerts, and summaries of their activity as set forth in the Terms of Use and in other agreements with us. We may also allow customers and other persons who have registered with us to subscribe to email newsletters and from time to time may transmit emails promoting Camino or third-party goods or services. We may also contact you by telephone and send you ringless voicemails if you voluntarily provide us with your telephone number, promoting Camino or third-party goods or services. Customers and other persons who have registered with us have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. You may opt out of both telephone and e-mail communications by (1) replying to an e-mail with a message that tells us you wish to opt out of receiving such messages in the future; (2) sending us an e-mail at info@caminofinancial.com; or (3) calling us at (800) 852-0655. Opting out in this manner will not end transmission of service-related telephone calls and emails, such as email alerts.

Short Message Service (“SMS”) Communications

We may provide customers who have registered with us with SMS alerts regarding our Services. Registered customers can opt out of receiving these SMS alerts by texting the word “STOP” to any message you receive from us. Upon receipt of your “STOP” message, we will send you a SMS message to confirm that you have been unsubscribed. At that point, you will no longer receive any further SMS messages from Camino.

Changes to Privacy Policy

We reserve the right, at our sole discretion, to make changes to this Privacy Policy from time to time. If we do so, we will provide you with a notification to that effect as required by applicable law. However, we are not required to provide you with notice of all changes; therefore, you should review this Privacy Policy frequently. Consistent with our Terms of Use and applicable law, you agree to accept revised versions of this Privacy Policy on www.caminofinancial.com and agree postings constitute notice to you of the revised version of this Privacy Policy.

Opt-Out

You may request to “Opt-Out” or unsubscribe from promotional or marketing emails by clicking “Unsubscribe” at the bottom of marketing email, or by contacting us at www.caminofinancial.com. You may continue to receive non-marketing emails even after you have unsubscribed. We must continue to use your personal information to complete any existing services or pending transactions we provide you.

California Privacy Rights (California Residents)

California residents have certain privacy rights provided under the California Consumer Privacy Act (“CCPA”) and other California law, including:

• Right to Request a list or categories of personal information (if any) we have disclosed to third parties (third party names and addresses) used for direct marketing purposes in the previous 12 months. If you make a request of the list or categories of personal information, please include “California Privacy Rights Request” in the subject line of your email to www.caminofinancial.com along with your California mailing address.
• Right to Access/Right to Delete any personal information we have about you. If you make a request to access of delete any of your personal information we have about you, please email us at www.caminofinancial.com and include “California Privacy Rights Request” in the subject line.
• Right not to receive discriminatory treatment for your exercise of these privacy rights will have no adverse effect on your use or pricing of our services.
• Right to opt out of the “sale” of your personal information, although we do not sell your personal information.

Certain information may be exempt from requests under California law. When we receive a request, we reserve the right to take steps to verify your identity before responding to a request, and may include verifying your name, email address, and other information regarding the use of our service. Additionally, as permitted by applicable law, we may charge a reasonable fee to comply with your request.

Please refer to our California Consumer Privacy Act procedures link for more information about our CCPA policies and your rights concerning your personal information.

Contact Information

If you have need to make any requests regarding your personal information we may have, or have any questions regarding this Privacy Policy or our privacy practices, please contact us at:

Camino Financial, Inc.
309 East 8th Street, #601
Los Angeles, CA 90014
www.caminofinancial.com
(800) 852-0655