California Financial Information Privacy Act (CFIPA)
Your privacy rights and how we protect your nonpublic personal information
Your Privacy Rights Under CFIPA
The California Financial Information Privacy Act (CFIPA) provides California consumers with important rights regarding how their nonpublic personal information is collected, shared, and sold by financial institutions. As a California-licensed commercial finance company, Halo Business Finance is committed to protecting your privacy and providing you with meaningful choices about your personal information.
This notice explains your rights under CFIPA and describes how we collect, use, share, and protect your nonpublic personal information.
Information We Collect
We collect nonpublic personal information about you from the following sources:
- Information you provide on applications and other forms
- Information about your transactions with us or others
- Information we receive from consumer reporting agencies
- Information obtained from public records
- Information collected through our website and digital interactions
This may include your name, address, Social Security number, income, credit history, business financial information, and other details necessary to evaluate your loan application.
How We Use Your Information
We use your nonpublic personal information to:
- Process your loan applications and provide financial services
- Verify your identity and prevent fraud
- Comply with federal and state regulations
- Communicate with you about your account and services
- Improve our products and services
- Market financial products that may be of interest to you
Information Sharing and Your Choices
We may share your nonpublic personal information with:
- Our lending partners and financial institutions in our marketplace
- Service providers who assist us in providing our services
- Third parties as required by law or regulation
- Companies that perform marketing services on our behalf
Your Right to Opt-Out
Under CFIPA, you have the right to direct us not to share your nonpublic personal information with certain third parties. You may opt-out of information sharing for marketing purposes by:
- Calling us at (888) 970-4256
- Emailing us at [email protected]
- Writing to us at: Halo Business Finance, 3 Park Plaza, Suite 1100, Irvine, CA 92614
Your CFIPA Rights
Under the California Financial Information Privacy Act, you have the right to:
- Know: What nonpublic personal information we collect about you
- Opt-Out: Direct us not to share your information with certain third parties
- Access: Request access to the personal information we have about you
- Correct: Request correction of inaccurate personal information
- Delete: Request deletion of your personal information (subject to legal limitations)
- Non-Discrimination: Not be discriminated against for exercising your privacy rights
How We Protect Your Information
We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information, including:
- Encryption of data in transit and at rest
- Secure access controls and authentication systems
- Regular security assessments and monitoring
- Employee training on privacy and security practices
- Compliance with industry security standards
Contact Us About Your Privacy Rights
If you have questions about this CFIPA notice or wish to exercise your privacy rights, please contact us:
Privacy Officer
Email: [email protected]
Phone: (888) 970-4256
Hours: Monday - Friday, 8:00 AM - 6:00 PM PST
Mailing Address
Halo Business Finance
Attn: Privacy Officer
3 Park Plaza, Suite 1100
Irvine, CA 92614
Updates to This Notice
We may update this CFIPA notice from time to time. When we do, we will post the updated notice on our website and update the effective date. We encourage you to review this notice periodically to stay informed about how we protect your privacy.
Last Updated: January 2025