How we collect Personal Data

When you use or register with the Site, we may ask for certain Personal Data that will assist us to provide you with a service that meets your needs and circumstances. We may also collect Personal Data from you from time to time via surveys or contests. Participation in these surveys or contests is completely voluntary and you may choose whether or not to participate and therefore disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

The categories of Personal data we may collect while you are registering at our Site include your name and contact information (first name, last name, age, marital status, email address, e.t.c), your company name, country, currency and timezone. We may also request information from you on our order form. For example, if the owner of your account registers you on the site as a staff member, they may enter other information about you such as Gender, Date of Birth, Address, City, Province / State, Zipcode, Office Phone, Skype, and your Picture. To buy and subscribe from us, you must provide contact information (like name and shipping address) and financial information (credit card number, expiration date, CVC code), phone number, mobile number. This information is used for billing purposes and to fill your orders. If we have trouble processing an order, we will use this information to contact you.

BraveLender will be the processor and controller of this aforementioned Personal Data that is provided, collected, and/or processed pursuant to this Privacy Policy and Data Processing Agreement. How we process Personal Data

We will use your Personal Data only in accordance with our Privacy Policy. If you do not wish us to continue using your Personal Data in this manner, you can request that your details be deleted or redacted by contacting us via email support@bravelender.com

We will only process your Personal Data if we have a lawful basis for doing so. Lawful bases for processing include consent, contractual necessity (i.e. processing that is necessary for the performance of a contract with you), and our “legitimate interests” or the legitimate interest of others (e.g. our users) such as: - Personalising, improving, or operating our services and business

• Better understanding your needs and interests
• Fulfilling requests you make related to the services
• Providing you with information and offers from us or third parties
• Complying with our legal obligations, resolving disputes, enforcing our agreements
• Protecting, investigating, and deterring against fraudulent, harmful, unauthorized, or illegal activity.

We process Personal Data for purposes such as:

• To process your orders and deliver the services that you have ordered
• To provide reports based on information collected from use of our services
• To keep you up to date on the latest service announcements, service updates, special offers and other information
• To provide support and assistance for our services
• To provide the ability to create personal profile areas and view protected content
• To meet contract or legal obligations

We may also from time to time use your Personal Information to send you automated email messages or marketing materials regarding our services. You may opt-out of receiving such marketing email messages by unsubscribing from our database via an internal link within the email or directly mailing us - support@bravelender.com.

We use IP addresses to analyse trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. Additionally, for systems administration, detecting usage patterns and troubleshooting purposes, our web servers automatically log standard access information including browser type, access times/open mail, URL requested, and referral URL. This information is not shared with third parties and is used only within BraveLender on a need-to-know basis. Any individually identifiable information related to this data will never be used in any way different to that stated above without your explicit permission.

How we use cookies

We use "cookies" on this site. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in with a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance their experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site. Our website may from time to time use cookies to analyse website traffic and help us provide a better website visitor experience. In addition, cookies may be used to serve relevant ads to website visitors through third party services such as Google Adwords.

These ads may appear on this website or other websites you visit. The file records stored in cookies ask permission to be placed on your computer or device storage media. We utilize cookies to enable us to give you a personalized service, and to help make our sites, applications and services better for you. There are several types of cookies: (a) session cookies (temporary cookies that identify and track clients inside our website, applications or services which are erased when you close your program or leave your session in the application or service) or (b) persistent (types of cookies which enable our websites, applications or services to save your settings within our website, applications or services and which will be maintained on your computer or device after you close your web browser or leave your session in the application or service).

Pay attention that your consent of using cookies given at any page of the Site refers to the cookies used at all the pages of the Site including all its subdomains. Also please keep in mind that not accepting cookies may make certain features of the Site unavailable to you.

Use and disclosure of Personal Information

We will use the personal information that we gather from you for the purpose for which it has been collected i.e. to provide our Services. We may also use your personal information to carry out any administrative tasks relating to our business.

We do not sell or rent your Personal Data to third parties unless you have granted us permission to do so. This includes clients of BraveLender to whom your loan relates and referees etc. However, we will share Personal Data within BraveLender and its affiliated companies, and with third party service providers for purposes of data processing or storage.

We also share Personal Data with business partners, service vendors and/or authorized third-party agents or contractors in order to provide requested services or transactions, including processing orders, processing credit card transactions, hosting websites and providing customer support. We provide these third parties with Personal Data to complete/utilize the requested service or transaction.

We work with the aforementioned service providers who may be processing your data while providing their services to us and save data for the duration that we provide services to you. All of them are world-leading services in their areas and adhere to very strict privacy and data security standards. We have concluded strict data processing agreements with these companies that require them to maintain the highest security standards in processing any data.

We collect and possibly share Personal Data and any other additional information available to us in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of BraveLender Terms of Services, or as otherwise required by law.

BraveLender will not use or disclose any information about you without your consent, unless the use or disclosure is:

• For the purpose of disclosing information to companies and individuals we employ to perform business functions and services on our behalf, on the basis that such companies and individuals must protect your Personal Information and may not disclose or use it for unrelated purposes. Such functions may include, for example, hosting our Web servers, analysing data, providing legal, accounting and marketing services.
• Necessary to provide you with a product or service which you have requested;
• To the extent necessary or appropriate to government agencies, advisors, and other third parties in order to comply with applicable laws, the service of legal process, or if we reasonably believe that such action is necessary to (a) comply with the law requiring such disclosure; (b) protect the rights or property of BraveLender or its affiliated companies; (c) prevent a crime or protect national security (d) protect the personal safety of the users or the public;(e) to assist the investigation of an offence by a law enforcement authority; or prevent a serious or imminent threat to an individual's life, public health or safety.

Security and retention of your Personal Data

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (such as credit card and debit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

BraveLender is committed to protecting the Personal Data you share with us. We retain your Personal Data depending on the type of data and the purpose for which we process the data. The criteria used to determine the period of storage of personal data is the respective statutory retention period. After the expiration of that period, the corresponding data is routinely deleted, as long as it is no longer necessary for the fulfillment of the contract or the initiation of a contract. We utilize a combination of industry-standard security technologies, procedures, and organizational measures to help protect your Personal Data from unauthorized access, use or disclosure.

Indemnity and liability

BraveLender cannot be held liable for errors or omissions in information on the Site, or for any damages, losses, or expenses that may occur while accessing the Site, or any linked site, or the inability to access these sites, or any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure.

We may choose to sell part of the business or certain assets of the company. Moreover, if we, or substantially all of our assets, were acquired, or if we go out of business or enter bankruptcy, user information would be one of the assets that are transferred or acquired by a third party. You acknowledge that such transfers may occur and that any acquirer of us or our assets may continue to use your Personal Data as set forth in this policy. As required by law, we may respond to subpoenas, court orders, or similar legal process by disclosing your Personal Data and other related information, if necessary. We also may use Personal Data and other related information to establish or exercise our legal rights or defend against legal claims.

When this Privacy Policy applies

This Privacy policy is applicable to the BraveLender website ( https://www.bravelender.com ), including all its subpages, subdomains, successor pages and to BraveLender Services. It is not applicable to the website of any third-party company and its products or services even if it is linked to or from the BraveLender website. Our Privacy Policy does not apply to services offered by other companies or individuals, including products or sites that may be displayed to you inside BraveLender, sites that may include BraveLender services, or other sites linked from our services.

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