HomePrivacy Policy + Terms and Conditions

Privacy Policy + Terms and Conditions

Overview

This Privacy Policy an Terms & Conditions  (“Policy”) applies to data collected by 4 Pillar Consulting, LLC Inc., a provider of business funding products and related services (collectively “Services”).  

Part 1: 4 Pillar Consulting, LLC US Privacy Policy / terms & conditions

This Privacy Policy and Terms & Conditions describes the choices available to you regarding our use of your personal information and how you can access and update such information.  For purposes of this Privacy Policy and Terms & Conditions , “Personal Information” means information that personally identifies you, including your contact information, IP address, and loan application information. A large portion of the Personal Information we collect, use, share, and store is sensitive in nature, including your social security number and financial account information (“Sensitive Personal Information”).

Information We Collect:

We collect the following information from you:

  • Contact information such as name, business name, email address, mailing address, and phone number;
  • Financial information such as bank statements, credit card statements, your average bank balance, personal and business credit history, payment behavior, bank account information, and tax ID number;
  • Social security number;
  • Unique identifiers such as user name and password, and IP address;
  • Business information including company size, and business type, and
  • Beneficial ownership information*

In addition to collecting information via our Website and Mobile App, we may also conduct a site visit to collect information, and obtain information and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media. Once you are an 4 Pillar Consulting, LLC customer, we may reach out to you for, or otherwise obtain, information if you decide to renew your loan or as otherwise needed to provide the Service.

* When required in the U.S., we will collect information on the beneficial owners of our business customers for purposes of verifying their identity only. The U.S. Government implemented the beneficial ownership regulation to help deter financial crimes. By complying, we are doing part in upholding the regulation to protect the financial system. Pursuant to our privacy policies and procedures, we will maintain beneficial ownership information in our system of record.

Use of Information

We use the information we collect to:

  • Compile, save, use and analyze your Personal Information in both a personally identifiable form and as part of aggregated data;
  • Operate, maintain, improve, and provide to you the Service and to conduct our business, including our own lending and referring you to third party small business lenders;
  • Verify your identity and conduct appropriate diligence;
  • Register you as a user and identify you when you sign into your account;
  • Process your business’ application and determine whether or not your business qualifies for one of our loan products;
  • Process your business loan product account, including deducting automatic payments;
  • Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications;
  • Post and review your comments on our blog;
  • Conduct research and analyses to better understand our customers; and
  • Produce data analytics and reports containing de-identified summaries of Personal Information and other information that is not Personal Information (such information, “General Information”) that we share with business partners. General Information may include Personal Information that has been aggregated and will not identify you.

Privacy and Sharing of Information

  • 4 Pillar Consulting, LLC may share your information with its affiliated entities for business purposes, such as financial reporting. Should you apply to 4 Pillar Consulting, LLC for a financial product or service, 4 Pillar Consulting, LLC may share your application, borrowing history, and loan performance.
  • 4 Pillar Consulting, LLC will share your Personal Information with third parties only in the ways that are described in this Privacy Policy and as required by law.
  • We will provide your Personal Information, which may include application information, to our trusted business partners, third party lenders of 4 Pillar Consulting, LLC products, service providers, and subsidiaries and affiliates to provide financing and/or to provide services to help us with our business activities, such as offering customer service, processing credit checks or secure data storage, and other similar services.
  • These companies are authorized to use your Personal Information only as necessary to provide these types of services to us. In addition, we may share your basic information (name, company name, phone number, email address and requested loan amount) with one of our business partners to market their services to you, provided, however, if you do not want us to share your Personal Information in these circumstances with these business partners, please contact us to opt out by email at operations@4pillarfunding.com or by postal mail at the contact information listed below. 
  • In addition, we may also share General Information for the same reasons as we provide Personal Information and for business partners and others to conduct analyses and research and track marketing performance or as otherwise provided in the Tracking Technologies part herein.
  • 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.

We may also disclose your Personal Information:

  • As required by law, such as to comply with a subpoena, or similar legal process, including in a bankruptcy proceeding;
  • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a request from a governmental entity;
  • If 4 Pillar Consulting, LLC is involved in a merger, acquisition, or sale of all or substantially all of its assets or equity, in which case, you will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information; and to any other third party with your prior consent to do so.

SMS/MMS Mobile Messaging Marketing Program

  • By providing your mobile phone number, you consent to receive marketing text messages from 4 Pillar Consulting, LLC and Recipients involved with or acquiring financing or purchases of future receivables including Merchant Cash Advance transactions. This includes any automated phone dialing system or artificial or prerecorded voice or SMS/MMS text messages, even if your telephone number is currently listed on any state, federal, local or corporate Do Not Call list.
  • The list of numbers you may receive texts from is: +15183022347
    +15185204552
    +15183022535
    +15183022447
    +15183022872
    +15183022513
    +15183022265
    +15183022432
    +15183022321
    +15185201393
    +15183022690
    +15183022548
    +15183022450
    +15183022519
    +16469697027
    +15183517621
    +15183022441
    +15183022738
    +15183022863
    +15187971475
    +15183124412
    +15183022198
    +15183022466
    +15184003871

  • Campaign Information: These messages are part of our CUSTOMER UPDATES campaign. The intent of this campaign is to keep our customers up to date on their current application status, renewal eligibility and new program parameters.

  • Opting-In: You understand that you can opt-in to receive text messages through our website or by texting the opt-in keyword to any of the above listed numbers. Our website link is 4pillarfunding.com
    • The opt-in keyword is YES. By opting-in, you acknowledge that message and data rates may apply, and message frequency will vary.
  • Opting-Out: You understand that you may withdraw your consent at any time by replying “STOP” to any message you receive, or by visiting our website and following the opt-out instructions.
  • Message Frequency: The number of messages you receive will depend on your interactions with us. However, message frequency will not exceed 10 per month with no response.
  • Non-Sharing of Mobile Numbers: We respect your privacy and will not share your mobile number with third parties for their promotional purposes.
  • You understand that consent to receive messages is not a condition of purchase. You also understand that you may withdraw your consent at any time by replying “STOP” to any message you receive. You agree and understand that standard text message rates and data charges from your mobile service provider may apply.
  • By agreeing to receive SMS messages, you certify that you are over 18 years of age and (a) you are the mobile account holder or (b) you have the account holder’s permission to enroll the designated mobile phone number and can incur any mobile message or data charges. You agree that you are solely responsible for all message and data charges that you incur from your mobile service provider. These charges may include, but are not limited to, charges resulting from your mobile service provider’s delivery of our messages.
  • We may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you, any other user or a third party. We reserve the right to modify these SMS Terms & Conditions from time to time without notice. Please review these SMS Terms & Conditions from time to time so that you are timely notified of any changes.

User Access and Choice

If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, delete/remove, ask to have it removed from a public forum or testimonial on our Website or deactivate it by emailing our Customer Support at operations@4pillarfunding.com or by contacting us by postal mail at the contact information listed below. We will respond to your request within 30 days.

We will retain your information for as long as your account is active or as long as reasonably useful for commercial purposes. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Opt-Out Policy: 4 Pillar Consulting LLC and our business partners may contact you to offer you products and services that may be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations or other forms of contact from 4 Pillar Consulting, LLC and our trusted business partners by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or by contacting us by email at operations@4pillarfunding.com or by postal mail at the contact information listed below.

Tracking Technologies

4 Pillar Consulting LLC and our partners (for example, our marketing partners), affiliates, or analytics or service providers, including our live chat, marketing trackers, and survey tool service providers use cookies or similar technologies. These technologies are used in analyzing trends, administering the Website, tracking users’ movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies for user authentication and analytics. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Website, but your ability to use some features or areas of our Website may be limited. If you would like to learn more about cookies or how to configure your browser, please visit www.allaboutcookies.org.

Log Files: As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you.

We do this to improve services we offer you and to improve marketing, analytics, and Website functionality.

Security of Information

4 Pillar Consulting LLC takes the security of your information very seriously. Your information is securely sent to 4 Pillar Consulting LLC with 128 bit-encryption over the Transport Layer Security (TLS) protocol. This creates an encrypted connection between your browser and our servers. Thus, when you enter Sensitive Personal Information (such as a bank account number) on our order forms, we encrypt the transmission of that information.  If you have any questions about the security of your personal information, you can contact us at operations@4pillarfunding.com 

If you allow 4 Pillar Consulting LLC to see your banking information online rather than in paper form, it is on a read-only basis. We do not have access to change, edit, or modify bank account information in any way. 4 Pillar Consulting LLC employees cannot view your banking username and passwords.

Additional Information

Changes to This Policy

We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes, we will notify you by email or by means of a notice on this Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Information

General Queries: If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, please contact us by email at operations@4pillarfunding.com , or with a letter by postal mail to:

4 Pillar Funding
ATTN: Operations
456 Broadway, Suite 202, Saratoga Springs, NY 12866


Text HELP to 518.302.2738 for assistance.

To opt-out of marketing communications:  please use one of the communication methods below, and include your full name and business mailing, email addresses and account number. Once we locate your contact information based on the information you provide us, it will be removed from our databases and mailings lists.

  1. Send an email to operations@4pillarfunding.com
  2. Send a letter to:

4 Pillar Funding
ATTN: Operations
456 Broadway, Suite 202, Saratoga Springs, NY 12866
USA 

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