California Financial Information Privacy Act (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.

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.

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

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

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

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

If you have questions about this CFIPA notice or wish to exercise your privacy rights, please contact us: