LAST UPDATED: July 2020

This Privacy Policy describes how Oxford Finance LLC (“Oxford”) collects and uses information about you, and to whom and under what circumstances we may disclose it.

In order to fully understand your rights, we encourage you to read this Privacy Policy, which is effective as of the date set forth above. This Privacy Policy applies to all personal information we collect from and about you, including on and through our website located at www.oxfordfinance.com (the “Website”); by phone, mail, email or text message; in messages sent to us through the “Contact Us” form on the Website or via social media; or otherwise when you visit the Website, or use, apply for or inquire about financial services or other goods or services offered by Oxford (the “Services”).

By accessing the Website or using the Services, you agree to be bound by this Privacy Policy. This Privacy Policy is part of the Terms and Conditions governing your use of the Website. Your access to the Website and use of the Services is conditioned on your acceptance of and compliance with this Privacy Policy. This Privacy Policy applies to all visitors, users and others who access the Website or use the Services. If you are accessing this Website or using the Services as an employee or representative of a company or organization, this Privacy Policy is binding upon both you individually and to that company or organization, and references to “you” or “your” shall apply to you individually and such company or organization.

If you disagree with any part of this Privacy Policy then you should not access the Website or use the Services.

1. Will Oxford ever change this Privacy Policy?

Oxford may from time to time change this Privacy Policy. If it does so it will post the revised Privacy Policy here. Any such change will be effective immediately upon posting, and your continued use of the Website or the Services signifies your acceptance of any such change. For this reason, please visit this page on a regular basis to ensure that you are familiar with the most recent version of this Privacy Policy. Use of information that we gather is subject to the Privacy Policy in effect at the time of use.

2. What information does Oxford collect?

We may collect two types of information through your use of the Website and/or the Services: (a) Personally Identifiable Information; and (b) Non-Personally Identifiable Information.

Personally Identifiable Information

Personally Identifiable Information is any information that can be used to identify or locate a particular person or entity, including, but not limited to: name, address, telephone number, and email address. We do not collect Personally Identifiable Information from you unless you voluntarily provide such information to us, such as by inquiring about or applying for a loan; filling out a form and submitting it to us in any manner; completing a survey for us; contacting us, including by phone, e-mail or the “Contact Us” page on the Website; or otherwise choosing to share your Personally Identifiable Information with us. We may combine information we collect from and about you online with information we collect from and about you through other means. We may also combine your information with information we learn about you from other sources, such as account update notifications.

When submitting a loan application, you may be asked to provide personal, business and financial information including, but not limited to, contact information, social security number, bank statements, credit card statements, account balances, personal and business credit history, payment history, bank account information, and tax ID number. To process your loan application, we may also collect your information from others, such as credit bureaus. Unless we request otherwise, you should not submit any sensitive personal, business or financial information to us via e-mail or through our Website’s “Contact Us” page.

Please note that when you terminate your use of the Services we may retain your information for a reasonable period of time afterward for the purpose of recordkeeping, account management and fraud prevention activities.

Non-Personally Identifiable Information

Non-Personally Identifiable Information is information that cannot be used to identify or locate an individual or entity, such as browser type, IP Address, and website access times. We may use cookies, web beacons or other tracking technologies to collect Non-Personally Identifiable Information regarding how this Website is used and to ensure that visitors are shown the content most relevant to their interests. Thus, when you visit this Website, Non-Personally Identifiable Information may be collected regarding, among other things, the pages visited, the frequency and duration of visits, devices and browsers used to visit the Website, your IP address and the domain name of your internet service provider. These cookies and other technologies are intended to be helpful. They do not store any Personally Identifiable Information.

We may also work with third parties (such as Google Analytics) that use cookies, web beacons or other tracking technologies to collect Non-Personally Identifiable Information about your visits to the Website and/or other websites, and to serve advertisements to you based on that information. In particular, we may use third party cookies for the purpose of retargeting advertisements, meaning that after you visit our Website, you may receive future advertisements based on your activity on our Website. The majority of web browsers accept cookies, but the “help” menu on your browser should give you options for preventing, accepting, or receiving notice of cookies should you wish to do so. Please be aware that if you block cookies, some Website functionality may not be available to you. Alternatively, you may opt out of interest-based advertising and retargeting by visiting the Network Advertising Initiative opt out page posted at http://www.networkadvertising.org/managing/opt_out.asp.

3. How is my information used?

Any of the information we collect from you may be used in one of the following ways:

• To respond to your requests for Services and to keep you informed of updates about your inquiry
• To evaluate your eligibility for Services
• To process loan applications or other financial transactions
• To personalize your experience with the Website or the Services
• To improve the Website and the Services
• To improve customer service
• To provide you with targeted offers, promotions and advertisements
• To send periodic emails
• To protect your rights, our rights and the rights of others

When you provide us with your contact information, you may automatically be added to our mailing list to receive updates, newsletters, correspondence and other materials of this type. If you no longer want to receive our e-mails, offers, updates on Services, or other communications, please send us a message through our “Contact Us” page or follow the “unsubscribe” instructions at the bottom of each email or communication. Please note that you cannot unsubscribe from certain correspondence from us, including certain messages relating to your use of the Services.

4. How is my information protected?

We implement a variety of security measures to maintain the safety of your Personally Identifiable Information when you apply for a loan or enter, submit, or access such information.

Unfortunately, no transmission of data over the Internet, and no system for storage of physical data, is guaranteed to be completely secure. It may be possible for hackers or other third parties not under the control of Oxford to intercept or access private communications unlawfully. While we strive to protect your Personally Identifiable Information, Oxford cannot ensure or warrant the security of any information you transmit or otherwise provide to us. Any transmission or other provision of information is done at your own risk.

5. Will Oxford disclose my Personally Identifiable Information to outside parties?

We may share your Personally Identifiable Information with trusted third parties who assist us in operating the Website, providing the Services, conducting our business, or servicing you, or to our affiliates or agents, so long as those parties agree to keep this information confidential. Examples include fulfilling requests for Services, analyzing data, providing marketing assistance, providing search results and links (including paid listings and links), processing payments, and providing customer service. We might also use third party tools or platforms, such as cloud services offered by Google, to process your Personally Identifiable Information, in which case we would protect such information through use of passwords or other protection methods offered by such third parties. We also may share your Personally Identifiable Information with affiliated businesses that we do not control but with which we engage in joint and co-branded offerings, and entities with which Oxford may merge or which may acquire all or substantially all of Oxford’s assets, as customer information likely will be one of the transferred assets.

Additionally, we will share Personally Identifiable Information if we have a good faith belief that: (a) access, use, preservation or disclosure of such information is reasonably necessary to satisfy any applicable law, legal process (such as a court order or subpoena), request by law enforcement or governmental authorities; (b) such action is appropriate to enforce our Terms and Conditions, or other policies of our Website or Services, including any investigation of potential violations thereof; (c) such action is necessary to detect, prevent, or otherwise address fraud, security or technical issues associated with the Website or the Services; or (d) such action is appropriate to protect our rights, property or safety, or the rights, property or safety of our employees, affiliates, agents, contractors, other users of the Website, other users of the Services or others.

Finally, we may share your name, address, email address and transactional information with marketers, promoters or advertisers, as permitted by law, unless you instruct us not to by following the opt out instructions above.

8. Does this Privacy Policy apply to websites accessed by links on the Website?

No, this Privacy Policy only applies to the Website.

9. Is Oxford in compliance with the Children’s Online Privacy Protection Act?

Yes, we are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act). We will not knowingly collect any information from anyone under 13 years of age. Our Website and services are both directed to people who are at least 13 years old or older.

10. Is Oxford in compliance with the California Online Privacy Protection Act?

Because we value your privacy, we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act.

11. Does Oxford have a Health Assessment Privacy Notice?

Yes, a copy of Oxford’s Health Privacy Assessment can be found here.

12. To whom may questions about this Privacy Policy be directed?

Questions may be directed to Oxford Finance LLC by telephone at 703.519.4900 or by submitting a message through our “Contact Us” page on this website.