Our goal is to maintain your trust and confidence when handling your personally identifiable information. The security of your personal information is our priority. We protect this information by maintaining physical, electronic and procedural safeguards that meet applicable law.
Commitment to Privacy
Amur understands the importance of your privacy rights and takes their protection seriously. We recognize that you have placed your trust in us, and we strive to preserve that trust as a priority. Amur arranges for its employees to be educated on Amur’s privacy policies and procedures and, among other things, directs employees to adhere to Amur’s established guidelines. Amur will monitor the effectiveness of its privacy policies and procedures.
Amur has established multiple avenues of protection to safeguard personally identifiable information. We use a variety of reasonable physical, technical, and administrative measures to safeguard information against loss. Our employees are only given access to files on an as-needed basis, thus limiting exposure of client information. Technologies and processes to protect personally identifiable information collected on our website include firewalls, strict role-based file security, security for servers and workstations (with managed patching and managed antivirus), SSL certificates for secure remote access and encryption technology for transmission of personally identifiable information. Our computer systems utilize password protection to prevent access by unauthorized personnel, and we employ other physical, electronic and procedural safeguards to help protect your non-public personally identifiable information.
However, no security technology is completely secure, and you should remember that email is not a secure means of communication. While we strive to protect the information that we maintain, due to the inherent nature of the Internet, we cannot (and do not) guarantee, and make no representation or warranty about, the security of any information that you transmit to us or which is stored by us.
- Information Collected
- Use of Collected Information
- Technology Used in Collecting Information
- Your Consent and Opting Out
1. Information Collected
We collect personally identifiable information and other types of information directly provided by clients (which may be obtained from emails, web forms or in other manners), including, without limitation, the following:
- contact information;
- personal identification information;
- business and financial structure and history;
- past business transactions;
- ownership information;
- vendor information;
- financial statements;
- credit explanations and credit histories;
- bank account statements;
- facility lists;
- guarantor information;
- bank account details; and
- rights and ownership to intellectual property.
We may also solicit authorization for Amur to obtain credit information and other financial information regarding all principals and guarantors for credit purposes. In transactions where we obtain personal guarantees, we typically collect personal tax returns.
When you visit our website, our servers may automatically collect your IP address, the name of the domain you used to access the Internet, the link that brought you to our website and any links clicked within our website.
Certain information may also be automatically collected through third-party tools used on Amur’s websites, which collect information that may include your browser type and operating system; IP address and general geographic location; the date and time of your visit; the content viewed on our website; and website features accessed. Some of this information may be retained by us only during your visit to our website, and some information may be gathered on an aggregated, anonymous basis.
We utilize Google Alerts on certain large customers to alert us of publicly disclosed news related to those companies.
We may monitor social media or review sites, and collect information posted on comments or reviews. When you post information on social media pages owned or controlled by Amur, we may collect information about your activities on those pages, including whether you visited or commented on the page, or provided a rating or review.
There also exists the possibility of a transfer of information in a merger or a sale or transfer of assets.
This Site is not directed to nor is it intended for individuals under the age of 18 years of age and we do not knowingly solicit or collect information from children under 18 years of age.
2. Use of Collected Information
Transaction Analysis and Credit Analysis
Customer information may be used for credit analysis and evaluation of a given transaction, as well as for purposes of ensuring payment collection.
In evaluating and processing client transactions, Amur uses a variety of sources to determine the creditworthiness of a prospective customer, help prevent fraud and verify safety records, including credit reporting bureaus, background check companies, business verification sites such as the corporations websites of Secretaries of State, the Federal Department of Transportation’s Safety and Fitness Electronic Records (SAFER) system and other sources.
We may use information obtained from Google Alerts regarding a customer to make further inquiries regarding the customer’s stability, to alert our collections department to a potential negative downturn, or to alert our sales team to a potential sales opportunity (for example, when a customer has opened an office in a new location).
Additionally, information may be used for skip tracing, service of legal process, collecting on debt through judicial processes, evaluating settlement proposals and pursuing collection of payment.
We may disclose personally identifiable information in order to comply with or respond to a request or requirement pursuant to law, regulation, or from a governmental or judicial body, or to help prevent fraud or for risk management purposes.
Information collected through third-party tools used on Amur’s websites may be used by us and our service providers, affiliates and business partners to measure the number of visits, average time spent, page views and other general statistics about the overall use of our website, in order to monitor website performance and make the website easier and more convenient to use.
Amur may also use information collected for other lawful purposes from time to time.
By providing your contact information to us, you consent to the receipt of promotional, advertising and other marketing materials or communications from Amur or its agents via email, facsimile, telephone or text message. You may opt out at any time by following the opt out instructions below.
Sharing of Information with Third Parties
When you provide information to us, we may share your information with service providers we have retained to perform services on our behalf. These service providers are not authorized by us to use or disclose your information except as necessary to perform services on our behalf or to comply with legal requirements. We may share your information with our affiliates and business partners to fulfill your requests, service your account, improve our services, and to develop, inform you about and provide you with offers about our products, services and events, as well as those of our affiliates and business partners.
Amur’s credit department may share a customer’s financial information with credit bureaus, banks and financing sources involved in transactions with such customer, particularly for transactions that are to be syndicated.
Amur may use one or more digital advertising bid management systems, which may be integrated with customer relationship management (CRM) software to pull customer data. Such data may also be made available to a third party agency for optimization. All information that is collected by means of email is stored with our CRM providers. We may also share information with third parties for services that we believe may be of interest to clients/customers.
Amur shares analytics and performance data - such as application counts, funded dollars related to vendor, losses, reasons for losses, and customer satisfaction data - with vendor partner companies.
We may also disclose your information: (i) if we are required or permitted to do so by law or legal process; (ii) to law enforcement authorities; (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity; or (iv) in the event that all or part of Amur or all or part of its assets are acquired by, merged with, sold to or otherwise disposed of to one or more third parties (including, without limitation, in the event of bankruptcy).
We may aggregate information that we gather about our customers and users of our Site, traffic patterns and services, and provide these statistics to our service providers, affiliates and/or business partners in aggregate form. This aggregate information, however, is not personally identifiable.
Amur does not sell, rent, lease or otherwise share your personal information with third parties for their own marketing purposes.
3. Technology Used in Collecting Information
Amur and third parties that provide content, functionality and services on our website use a variety of technologies to learn more about how people use the website. These primarily include the following:
We and our third-party partners may use web beacons, which is a technology that communicates information from your internet browser to a web server. Web beacons can be embedded in banners and links on vendor websites, videos or emails, and permit a web server to read certain types of information from your browser, check whether you have viewed a particular web page or email message, and determine, among other things, the time and date on which you viewed the web beacon, the IP address of your computer, and the URL of the web page from which the web beacon was viewed. We and our partners use web beacons for a variety of purposes, including to analyze the use of our website and in conjunction with cookies to improve the website and provide you with more relevant promotional materials.
User analytics and social media
Amur utilizes Google Analytics for user analytics and we may also use social media (e.g., Twitter, LinkedIn, Facebook, YouTube, comments, requests and reviews) for purposes of information collection. Your use of social media sites is governed by the privacy policies of those sites. We do not capture or store your login information or other personally identifiable information for these services but session information or cookies may, however, be stored.
4. Your Consent and Opting Out
Please contact us at the following [address] for questions, to opt out of marketing / periodic emails / disclosures to third parties, or for purposes of changing or deleting personally identifiable information.
DNT Disclosure Pursuant to Section 22575 of CalOPPA
This Site complies with California's Online Privacy Protection Act by disclosing the collection and use by Amur and its authorized third parties of your personally identifiable information. In addition, if you direct your web browser to send a Do Not Track ("DNT") signal, we may prevent access by you to the Site. In the alternative, we may allow access to the Site, but if we allow access, we will restrict the collection of personally identifiable information pursuant to your browser's DNT signal. To learn more about DNT signals, please see http://allaboutdnt.com. We value our customers' privacy choices and will take all reasonable steps to comply with your affirmative direction to opt-out. See opting-out above.
Non-United States Users
The Site is operated in the United States by United States citizens and is intended for use by United States citizens. The Site may be accessible outside of the United States but if you are accessing the Site from outside of the United States, please be aware that any information that you provide to us will be collected in or transferred to the United States and stored on servers located in the United States. By using our Site and/or providing us with your information, you consent to this collection and/or transfer.
Last Updated: July 26, 2017