Privacy Policy

At CapitalSource Small Business Lending, protecting your privacy is important to us. Our goal is to treat your information with respect, and in accordance with this Privacy Policy. Our products and services are currently available only to United States customers and website visitors.

What information do we collect? How do we use it?

Anonymous Browsing

You can use our website without revealing any information about yourself or your company. Our web servers do collect the name of the domain you used to access the Internet (e.g., AOL.com), the website you came from and the one you will visit next. This information is used by us and our business partners to measure statistics, including the number of visits, average time spent and pages viewed; monitor site performance and make our site easier and more convenient for our website visitors.

Categories of Information Collected

We collect and use various types of information to better respond to your financial needs. The customer information we collect is categorized as follows:

Application Information — information that you provide to us on applications and through other means. Examples include the physical address, zip code, phone number, financial assets, income and debt for you and/or your company.
Transaction and Experience Information — information about your transactions with us, as well as information about our communications with you. Examples include your account balances, payment history, requests for information and our responses.
Consumer Report Information — information from a consumer credit report. Examples include your creditworthiness and credit history.
Information from Outside Sources — information from outside sources regarding your credit and other relationships. Examples include your loan balances, credit card balances, property insurance coverage and other verifications.
Other General Information — information from outside sources, such as data from public records, that is not assembled or used for the purpose of determining your eligibility for a product or service.
As required by the USA PATRIOT Act, we also collect information and take actions necessary to verify your identification.
Contact Information - Included but not limited to names, phone numbers, fax numbers, street addresses, and email addresses which we use to contact you in order to provide service to you.

Cookies

If you are browsing our website, we use a technology called "cookies" to help us measure the number of visits, average time spent, pages viewed, and other statistics relating to our website. If you decide to register online with us, we may collect additional information to provide offerings or content tailored to your needs. In this case, we use cookies to help personalize your experience and help us recognize you on subsequent visits to our site. Cookies are small pieces of data that can be sent to your computer, which then may be stored by your browser on your computer's hard drive. They cannot be used to get data from your hard drive, get your e-mail address, or any personally identifying information. Most web browsers have features that can notify you when you receive a cookie, and that give you the option to prevent cookies from being sent. Please note, however, that by not accepting cookies, you will limit the personalized functionality we can provide to you when you visit our site.

Sharing of Information and Choice

Sharing of Aggregate Information

In order to better meet your needs and offer you other products and services that may be of interest to you, we may share with our business units, affiliates and unaffiliated third parties, aggregated information about you from each of the categories listed above under the heading "Categories of Information Collected". We may aggregate statistics we gather about our customers, sales, traffic patterns, and services, and provide these statistics to unaffiliated third parties. Aggregate data is summarized or grouped data that does not include any personally identifying information.

Who We Share Aggregate Information With

We may share information from each of the categories listed in the "Categories of Information Collected" section above with the following third parties:

Banks
Credit Card Companies.
Stock Brokerage and Investment Companies.
Insurance Companies.
Real Estate Agents and Brokers.
Business Services Providers.
Appraisers and other Third Party Reporting Agencies.
Government Agencies.

Sharing of Personal Information

E-Mail Communication and Online Surveys

Occasionally, we may send you e-mail communications with useful information about our products and services, or about offerings from affiliates or unaffiliated third parties. At times, we may conduct online surveys to better understand the needs, profiles and online experience of our customers and visitors.

Linking to Other Sites

We may provide links to unaffiliated companies, such as credit bureaus or merchants. If you choose to link to websites not controlled by CapitalSource Small Business Lending , we are not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these websites we strongly urge you to carefully study their privacy policies before sharing your information.

Honoring Your Preferences

You have choices when it comes to how CapitalSource Small Business Lending shares and uses your information. These choices are described below.

At any time, you may correct all the information we have gathered from you. You may also elect to limit how we share your information and who we share it with. If you want to amend your information, or do not want us to share your information, call us at 866.675.0101.

Sharing Among CapitalSource Small Business Lending and Unaffiliated Third Parties

You may request that your information not be shared among the affiliates or other business units of CapitalSource Small Business Lending.

In addition, you may request that your information not be shared with all or any one of the categories of unaffiliated third party providers listed under the heading "Who We Share Information With" above.

During the normal course of doing business, we will continue to share your information among our business units, our affiliates and unaffiliated third parties as necessary in order to service your accounts with us.

Direct Marketing

You can choose not to receive marketing offers from us by direct mail, telephone and/or e-mail. This preference applies to offers from us about our products and services, and about other products that we think may be of interest to you. To minimize the amount of telephone solicitation our customers receive, CapitalSource Small Business Lending does not offer non-financial products and services through telemarketing.

If you elect not to receive product information by direct mail, telephone or e-mail, you will continue to:

Be contacted as necessary to service your account.
Be contacted by your relationship manager or assigned account representative, if applicable.
Receive marketing information included with your regular account mailings and statements, and when you visit us online.

To help you understand how we record your preferences, you should know that your preferences will be honored among all CapitalSource Small Business Lending business units and affiliates. Since some marketing programs may already be in progress, it may take four to six weeks for your preferences to be fully effective

Tell Us Your Preferences

When you contact us, please be prepared to provide the following information for each individual and/or company, as applicable:

Full name.
Address, city, state and zip code.
Social Security number (if applicable).
Telephone number.
E-mail address (if applicable).

Once you have told us your preferences, we will continue to honor them. You do not need to take any further action. If any of these pieces of information change, please notify us to ensure that your preferences are consistently honored.

Guarding your own information

CapitalSource Small Business Lendingrecommends that you take the following precautions to guard against the disclosure and unauthorized use of your account and personal information:

Never provide personal information (including full social security numbers or account and credit card information) over the phone unless you have initiated the call and know with whom you are speaking.

Safeguard ATM, credit and debit cards.
Memorize personal identification numbers ("PINs") and refrain from writing PINs, social security or credit card numbers where they can easily be found.
Immediately change preassigned PINs to a personally memorized PIN.
Do not use easily identifiable numbers such as birth dates, addresses, phone numbers or social security numbers when choosing your PIN.
Store cancelled checks, new checks and account statements in a safe place.
Tear up or shred unused preapproved credit offers.
Report lost or stolen checks, credit cards, and debit cards immediately.

How is your information secured and protected?

CapitalSource Small Business Lending uses encryption tools to protect your personal information when it is submitted through our website. E-mails you send us are not necessarily secure when they are transmitted to us. If your communication is very sensitive, you may want to send it by regular mail instead.

In addition, we instruct our employees with access to your information that it is to be used only in adherence with the principles set forth in this privacy policy and laws applicable to CapitalSource Small Business Lending and its business units. Employees who misuse customer information may be subject to disciplinary action including termination of employment.

Making Sure Your Information Is Accurate

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please write to us at the address listed on your account statement or call us at 866.675.0101. We will promptly update or correct any erroneous information. Please contact us if you have questions or feel that we have not handled information about you properly.

What if we change our Privacy Policy?

We reserve the right to modify or supplement this Privacy Policy statement at any time. If we make any material changes, we will post a notice on our website's home page with a link to the updated policy statement. Please read any such notice and the new policy statement. Your continued use of this site after we post such notices will constitute your acceptance of our new terms and their application to your use of this website, and the information disclosed for such use, including information previously furnished us, as if they were the initial terms.
We want your feedback

We welcome your feedback and suggestions about our Privacy Policy. If you have comments or questions about information security, privacy and their use, please contact us at 866.675.0101, or email us.