Privacy Policy

Last Revised: January 12, 2023

Oxford Pierpont Capital, LLC, doing business as My Business Credit (“we,” “us,” or “our”) is committed to ensuring you are aware of how your information is used and shared. This Privacy Policy (“Policy”) outlines our practices related to the collection, use, and disclosure of your information through our websites (“the Site”). For any questions or concerns, feel free to contact us at support@mybusinesscredit.com.

WHAT TYPES OF INFORMATION DO WE COLLECT?

Personal Information

We may collect the following categories of personal information:

• Information you provide when ordering credit-related products, such as your name, address, social security number, date of birth, phone number, and email address.
• Data from third-party providers, including consumer credit information, in response to your requests for credit-related products.
• Payment Information, like credit card numbers, associated with any purchases you make through the Site.
• Information for identity verification, such as your city of birth and mother’s maiden name.
• Any information you provide through customer service interactions and general feedback.

Non-Personal Information

We also collect non-personal information during your visit, which includes but is not limited to:

• Server Log Files: Automatically logged IP addresses and the specifics of your Site visits.
• Environmental Variables: Information like your computer type, screen resolution, OS, and browser version.
• Cookies and Similar Technologies: Data stored on your computer to facilitate your Site usage.
• Pixel Tags: Used to compile aggregate statistics about Site usage and response rates.
• Voluntarily Provided Information: Any non-personal information you provide to us.

HOW IS YOUR INFORMATION USED?

Personal Information

We may use the personal information collected for the following purposes:

• To Fulfill Requests: To provide you with the products, services, or information you’ve requested.
• Administrative Communications: To inform you of important updates regarding the Site and our policies.
• Promotional Communications: To inform you of offers and promotions.
• Purchases: To process and complete transactions.
• Internal Business Purposes: For data analysis, audits, enhancing our services, and targeted promotions.

DO WE SHARE YOUR INFORMATION?

We may share your information with affiliated and non-affiliated third parties for the purposes described in this Policy. This includes, but is not limited to, our affiliates, business partners, service providers, and in the event of a business transfer like a merger or acquisition.

YOUR CHOICES

You have various options regarding your information. To opt-out of promotional communications, update your preferences in your account settings or contact us at support@mybusinesscredit.com.

HOW DO WE PROTECT YOUR INFORMATION?

We employ various security measures to protect your information. However, no security system is infallible. If you suspect a security breach, please inform us immediately.

LINKS TO OTHER SITES

We may provide links to third-party websites, but we are not responsible for their privacy practices. Please review their respective privacy policies.

LOCATION

The Site is operated from the United States and is subject to U.S. laws. It is not intended for users located outside of the United States.

CALIFORNIA PRIVACY RIGHTS

The California Consumer Privacy Act (“CCPA”) provides those residing in California with specific rights concerning their personal data. This notice serves to inform you of these rights under the CCPA and guide you through the process of exercising these rights. It also includes details about how we collect, use, disclose, and handle your personal information.

Oxford Pierpont Capital, LLC, doing business as My Business Credit, does not sell your personal information to anyone, including third parties, as defined under the CCPA. Your information provided to us is used solely for business purposes. According to the CCPA, various categories exist that define how personal information can be utilized for business purposes. These include auditing, security measures, debugging/repair, specific short-term uses, provision of services, internal technology development research, and quality and safety maintenance and verification.

Categories of Personal Information

In the past twelve (12) months, My Business Credit has disclosed the following types of personal information for business purposes:

• Identifiers: This includes your real name, mailing address, email address, account information, online identifiers, IP address, Social Security number, as well as personal preferences and characteristics tracked through cookies, or other similar identifiers.
• Third-Party Data: This includes consumer credit information, obtained when you request credit-related products via our platform.
• Additional Provided Information: This incorporates data such as your city of birth and mother’s maiden name, which is used for identity verification purposes in case you forget the login credentials required for our online services. This category also includes any information you provide through customer service interactions and general feedback.

For a more detailed explanation of how we use your personal data, please refer to the “HOW DO WE USE THE INFORMATION COLLECTED?” section in My Business Credit’s Privacy Policy.

Right to Request and Right to Deletion

To exercise your rights under the CCPA, you can submit a verifiable request to us by email at support@mybusinesscredit.com.

You can also get in touch with us for matters related to your rights at support@mybusinesscredit.com or by calling (844) 834-3458.

Please be aware that while you have a right to request the deletion of your personal information, some legal exceptions apply. These include situations where retaining the personal information is necessary for completing a transaction or complying with a legal requirement. Note that My Business Credit may invoke legal exemptions to certain requests as allowed by the CCPA.

Right to Non-Discrimination

My Business Credit will not discriminate against you for exercising any of your rights under the CCPA. However, it’s important to note that some services might become unavailable to you if they are directly related to the personal information we collect, as permitted under the CCPA.

UNDER 18 YEARS OLD

We do not knowingly collect personal information from minors. The Site is not intended for use by individuals under the age of 18. We kindly request that such individuals refrain from providing any personal information on this Site. While you may browse our Site if you are under 18, you are not permitted to submit personal information like your name, address, or email address. Additionally, you cannot register for, enroll in, or make any product purchases.

CONTACTING US

For any questions or concerns regarding this Policy, please contact us at support@mybusinesscredit.com.