Privacy Policy

Your Data Is Private

The login details of your linked accounts, such as usernames and passwords, are not accessible to anyone at COVERR. The financial and personal data we use to process your cash advance is stored securely by a trusted third-party partner.

Your Data Is Not A Product

We do not sell your information. To process your business finance application, we may need to share information provided by you with our partners so that they can perform requested services – but your information is never for sale.

Your Data Is Protected

All data entered into the COVERR site is encrypted using industry-standard SHA-256 SSL technology before being sent to our servers in an off-site data center. Our servers are supported by multiple levels of protection including firewalls, private subnets and multi-factor authentication.

Security & Privacy Policy

We believe that you deserve the utmost respect when it comes to the privacy of your personal information. As you use our services, we want you to be clear how we are using information and the ways in which you can protect your privacy. The terms "we," "us," and refer to COVERR, INC a Delaware Limit Liability Company, its subsidiaries, and affiliates.

This Privacy Policy discloses which financial and personal information we collect, how we use it, and the choices you can make regarding the collection and use of this information. We also explain how any personally identifiable information that we may request will be used. Finally, we include our security policy, which describes how your personally identifiable information is protected both electronically and physically.

Information We Collect

We may collect information from you when you use the COVERR site. We also collect personal and financial information during the registration and business finance approval process. Additional information may be gathered during your future use of the site. Information that we collect may include personally identifying information, such as your name, address, email address, telephone number, or social security number. We may also collect financial information such as your earnings, account balance, or payment history.

We and/or our service providers may also collect information that is about you. We and/or our service providers may use this aggregated information in the administration of our Site to improve its usability, evaluate the success of particular marketing/advertising campaigns, and help optimize our Site based on your needs. This may include your internet protocol (IP) address, geographical location, browser type, referral source, length of visit, number of page views, or cookies and anonymous identifiers.

How We Use Information We Collect?

COVERR may also use your personal information to facilitate activities and transactions that need to occur during the offering of merchant cash advance services, such as:

• To establish that you are over the age of 18
• To verify your identity and guard against potential fraud
• To determine your eligibility for a COVERR product
• To enable our financial services partners to implement automatic payments and fund transfers
• To contact you if there is a problem completing a transaction you requested or to discuss a problem with your account
• To implement collection activities as needed; and/or
• Maintain regular communications with you concerning transactions you initiate, including but not limited to requesting information or assistance, submitting a business finance request, and making payments
• More generally, we may use information that we collect from you or that you provide to us
• To provide, maintain, protect and improve our services, to develop new ones, and to protect COVERR and our users
• To notify you about changes to the COVERR site or any products or services we offer or provide though it
• To keep a record of your communication to help solve any issues you might be facing
• For our marketing purposes to offer our products and services to you, such as advertisements, by us through third parties
• To offer you tailored content giving you more relevant search results and ads
• To enforce or apply our Terms of Use, and any other agreements between you and COVERR, including for billing and collection
• To fulfill any other purpose for which you provide it or otherwise give your consent; and/or
• To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request

Information You Share

You can review and change your personal information by logging into the COVERR site and visiting your account profile page. You may also email us at hello@coverr.app to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Information We Share

COVERR may share information with third parties as described below.

Advertisers

COVERR may allow third-party advertisers to use cookies on the COVERR site to collect the same type of information for the same purposes as COVERR does for itself. They may be able to associate the information they collect with other information they have about you from other sources. We do not necessarily have access to or control over the cookies they use, but you may be able to opt out of some of their practices by visiting the following links: Network Advertising Initiative, and Digital Advertising Alliance. Opting out does not prevent the display of advertisements to you.

COVERR may also use certain remarketing services to advertise on third-party websites to previous visitors to our site. This means that we may advertise to previous visitors who haven't completed a task on our site (like completing a business finance application). This could be in the form of an advertisement on a search results page, or a site in the network of our remarketing partners.

Partners & Service Providers

Some of the services that are offered through the COVERR site may be provided by third-party partners, like Amazon Web Services. We may also outsource some of COVERR's functions to third-party providers, such as data storage providers, platform administrators, collection agencies, servicers, payment processing functions, and/or other services. We may share information from or about you with these third-party providers so that they can perform the requested services or complete your requests.

Third-Party Accounts

You can connect your cash advance application to your accounts on third-party services, like Plaid, in which case we may collect and store information identifying your account with the third-party service. We may use the information to inform your application.

When you connect an account with us, you are requesting our third-party financial aggregator, Plaid, to create a new 'token' for COVERR. That token gives access to view account information without giving permissions to perform any other action inside that account.

Third-Party Accounts

We may share aggregated, non-identifiable user information with third parties, such as advertisers and content distributors. For example, we may disclose the number of users that have been exposed to or clicked on advertisements.

Business Transfers

We may share information from or about you with subsidiaries, joint ventures, or other companies under common control, in which case we will require them to honor this Privacy Policy. If COVERR is involved in a merger, acquisition or asset sale, we will continue to ensure the confidentiality of any personal information and give affected users notice before personal information is transferred or becomes subject to a different privacy policy.

Links

The COVERR site may contain links to unaffiliated third-party websites. Except as described in this policy, we do not share your personal information with them, and are not responsible for their privacy practices. We suggest you read the privacy policies on all such third-party websites.

Law Enforcement

We may disclose information from or about you if we have a good faith belief that such investigation or disclosure is (a) reasonably necessary to comply with legal process and law enforcement instructions and orders, such as a search warrant, subpoena, statute, judicial proceeding, or other legal process served on us; (b) helpful to prevent, investigate, or identify possible wrongdoing in connection with the Site; or (c) protect our rights, reputation, property, or that of our users, affiliates, or the public.

Cookies

We, and third parties with whom we partner, may use cookies, web beacons, local shared objects, and similar technology ("Cookies") to improve your user experience and the overall quality of our service. Cookies are small data files that may have unique identifiers, and reside, among other places, on your computer or mobile device, in emails we send to you, and on our web pages. Cookies may transmit information about you and your use of the COVERR site, such as your browser type, preferences, data relating to advertisements that have been displayed to you or that you have clicked on, and the date and time of your use.

Most importantly, cookies help us protect your account's security. Cookies may be stored only during an individual session ("Session ID cookies") or have long-term expiration dates ("persistent cookies"). Session ID cookies follow your activities on our site so that we can ensure that no one is making changes to your profile or applying for cash advances, and expire when you close your browser. Persistent cookies that remain on your hard drive for an extended period of time so that we can recognize you when you return to our Site.

The following is a list of the types of cookies that COVERR and its third-party partners use:

Contact Information

For additional information, or if you have any questions regarding this policy or the privacy practices at COVERR, please submit your questions or comments directly at: hello@coverr.app.

• COVERR
• Office Address: 31-00 47th Avenue, Suite 3100 | Long Island City, New York 11101
• Phone number: 347-905-5085