1. Information We Collect
Roussin Capital Group collects the following categories of information in connection with our business lending services:
- Business information: legal business name, federal tax ID (EIN), business address, industry, monthly revenue, years in operation, and business website.
- Personal information: owner/officer name, title, Social Security Number, date of birth, home address, email address, and phone number.
- Financial documents: business bank statements, tax returns, government-issued identification, and voided business checks.
- Electronic signatures: captured via our secure signature pad and stored as encrypted image data.
- Usage data: IP address, browser type, pages visited, and interaction data collected automatically when you use our platform.
2. How We Use Your Information
We use the information we collect to:
- Evaluate and process your business loan application.
- Verify your identity and business information.
- Communicate with you about your application status, required documents, and loan offers.
- Comply with legal and regulatory obligations, including anti-fraud and anti-money-laundering requirements.
- Improve our platform, services, and user experience.
3. Information Sharing
We do not sell your personal information. We may share your information with:
- Lending partners and financial institutions involved in evaluating or funding your loan, as authorized in the application.
- Credit reporting agencies (such as TransUnion, Experian, and Equifax) for the purpose of obtaining credit reports, as disclosed in the application authorization.
- Service providers who assist us with platform operations (hosting, email delivery, document storage) under strict confidentiality agreements.
- Law enforcement or regulatory bodies when required by law, subpoena, or legal process.
4. Data Security
We implement industry-standard security measures to protect your information, including:
- 256-bit AES encryption for all documents and sensitive data, both in transit (TLS/SSL) and at rest.
- Database-level access controls (Row Level Security) that prevent unauthorized access even in the event of an application-level breach.
- Time-limited, pre-signed URLs for document downloads that expire after one hour.
- Social Security Numbers stored in encrypted fields and never transmitted via email.
5. Your Rights
Depending on your jurisdiction, you may have the right to: access the personal information we hold about you, request correction of inaccurate information, request deletion of your personal information (subject to legal retention requirements), and opt out of certain data processing activities. To exercise any of these rights, contact us using the information below.
6. California Privacy Rights (CCPA)
If you are a California resident, you have the right to know what personal information we collect, request deletion of your personal information, and opt out of the sale of personal information. Roussin Capital Group does not sell personal information. To submit a request, contact us at info@roussincapital.com or call 1-800-705-4545.
7. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal and regulatory requirements, and resolve disputes. Loan application records are retained in accordance with applicable financial recordkeeping regulations.
8. Cookies
Our platform uses cookies and similar technologies for authentication (keeping you logged in), security (preventing fraud), and analytics (understanding how the platform is used). See our Cookie Policy for more details.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be effective upon posting to this page with an updated date. We encourage you to review this page periodically.
10. Contact Us
For questions about this Privacy Policy or to exercise your privacy rights:
Roussin Capital Group
4277 Valley Fair St, Simi Valley, CA 93063
Email: info@roussincapital.com
Phone: 1-800-705-4545
