1. CapFront Terms and Conditions
The CapFront service and website (each as defined below) are operated by ZJOB INC. CapFront is in the business of providing customers with small business loans, merchant cash advances, revenue based funding, credit card processing and related services ("Service"). CapFront is not an investment advisor or financial planner, and we do not provide financial, securities, legal or tax advice. Before making any decision or implementing any strategy you should consider obtaining additional information and advice from your accountant, attorney, and/or other advisors.
2. Accepting the Terms
By using the information, tools, features and functionality located at capfront.net or subdomains (the "Website") or by submitting an application for funding to CapFront, you signify that you have read, understand and agree to be bound by these terms and conditions (the "Agreement").
You may not use the Service and you may not accept this Agreement if you are under 18 years of age. You represent that you have the capacity to bind the company or entity applying for funding, on behalf of such company or entity. Before you continue, you should print or save a copy of this Agreement for your records.
In addition to this Agreement you may enter into other agreements, including a loan agreement that will govern the terms of your loan and your use of the Service. If there is a conflict between this Agreement and such other agreements that is applicable to specific aspects of the Service, the other agreement shall govern with respect to those specific aspects.
CapFront may make changes to this Agreement from time to time. If we do this, the date at the top of this page indicates when the latest revisions were made. Your continued use of the Service or the Website will constitute acceptance of such revisions.
3. Privacy, Personal and Company Information
4. Identity Verification
To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record identifying information that identifies each person and entity applying for credit. Therefore, when your company applies for credit, we ask for your name, address, and other information that allows us to identify you and your company. We may also ask for a driver's license or other identifying documents. You allow us to obtain such information and share the information with third parties to help us verify your and your company's identity.
In connection with the provision of the Service, users may submit financial information from their business banking account to CapFront. CapFront uses this information for its decisions and may require updates to monitor the performance of customers on an on-going basis. With the Service, users may direct CapFront to retrieve your company information maintained online or otherwise by third-party financial institutions or organizations authorized to house such information.
5. Proprietary Rights
All content on the Website or used by the Service, including but not limited to text, names, designs, pictures, information and software are the proprietary property of CapFront with all rights reserved.
You are permitted to use content delivered to you through the Service or Website only on the Service. You may not copy, reproduce, modify, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the Service technology.
6. Electronic Communications
You hereby consent to receive by electronic means, (or in writing through postal mail or email), this Agreement, communications, disclosures and notices, including and any and all disclosures and/or notices required to be given by applicable law or regulation. You also consent to allow CapFront to respond to any inquiries by e-mail, at the email address you have provided, regardless of the format of the original inquiry. You must also agree to our ESign consent during the online application process.
7. Telephone Communications
8. Loan Return Policy
You agree that you may not return any financial product that you take from CapFront except at CapFront's sole discretion, it being understood that in no event will you be able to return any such product after 5:00 p.m. EST on the second business day following the initiation of disbursement of funds by CapFront, and no returns of renewals will be permitted.
9. Third Party Sites or Content
The Website or other materials sent to you under the Service may contain links to other Websites ("Third Party Sites"), as well as content from third parties. CapFront is not responsible for such Third Party Sites or content from third parties, including without limitation accuracy, reliability, offensiveness, or appropriateness. If you decide to leave the Website and access Third Party Sites or third party content, this Agreement and CapFront policies no longer apply.
In addition, if any such link is to another capital provider or lender, CapFront acts solely as a referrer and does not guarantee or underwrite the products or services, including credit products, provided by such capital provider or lender. You will be deemed a customer of that capital provider or lender with respect to any products or services provided by such capital provider or lender. CapFront has no role in, nor any liability for any decision made or product or service provided by such other capital provider or lender.
Limitation on Liability
TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA, ARISING FROM YOUR USE OF THE WEBSITE OR THE SERVICES, INCLUDING THE UNAVAILABILITY OF THE SERVICES FOR ANY REASON, OR ANY SYSTEM FAILURE OR MALFUNCTION ASSOCIATED WITH THE SERVICES, AND INCLUDING ANY THIRD PARTY CLAIMS, WHETHER BASED ON THEORIES OF BREACH OF CONTRACT, TORT, PRODUCT LIABILITY, OR BREACH OF WARRANTY. THESE LIMITATIONS OF LIABILITY WILL APPLY EVEN IF WE ARE ADVISED ON THE POSSIBILITY OF SUCH DAMAGES OR CLAIMS. THE PARTIES UNDERSTAND THAT THE SERVICES BY US WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS.
WE DISCLAIM ANY WARRANTY OF MERCHANT LIABILITY OR FITNESS FOR A PARTICULAR PURPOSE, ANY LIABILITY FOR ERRORS OR OMISSIONS IN ANY INFORMATION PROVIDED AS PART OF THE SERVICES OR ON THE WEBSITE AND ANY WARRANTIES REGARDING THE OPERABILITY OF THE SERVICES OR LIABILITY FOR ANY SERVICE INTERRUPTIONS OR SYSTEM FAILURES THAT MAY AFFECT THE SERVICES AT ANY TIME.
Governing Law; Venue and Jurisdiction
By accessing the Website or using Services, you agree that the laws of the state of California, without regard to any principles of conflict of laws that would require or permit the application of laws of any other jurisdiction, will govern this Agreement or your use of the Services.
For Ohio applicants: You understand that the Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
The TRUSTe program covers only information that is collected through this website, and does not cover information that may be collected through software downloaded from the website.
Information We Collect
We collect the following information from you:
- Contact information such as name, business name, email address, mailing address, and phone number;
- Financial information such as bank statements, credit card statements, your average bank balance, personal and business credit history, payment behavior, bank account information, and tax ID number;
- Social security number;
- Unique identifiers such as user name and password, and IP address; and
- Business information including company size, and business type.
In addition to collecting information via our Website, we may also conduct a site visit to collect information, and obtain information and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media.
Use of Information
We use the information we collect to:
- Compile, save, use and analyze your Personal Information in both a personally-identifiable form and an aggregated, non-personally identifiable form;
- Operate, maintain, improve, and provide to you the Service and to conduct our business;
- Verify your identity and conduct appropriate diligence;
- Register you as a user and identify you when you sign in to your account;
- Process your application and determine whether or not your business qualifies for one of our funding products;
- Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications;
- Post and review your comments on our blog.
- Conduct research and analyses to better understand our customers; and
- Produce data analytics and reports containing anonymized summaries of Personal Information and other information that is not Personal Information (such information, "General Information") that we share with business partners. General Information may include Personal Information that has been aggregated, anonymized and will not identify you.
Privacy and Sharing of Information
We will provide your Personal Information to our trusted business partners, service providers and subsidiaries and affiliates to provide services to help us with our business activities, such as offering funding products, customer service, processing credit checks or secure data storage, and other similar services. These companies are authorized to use your Personal Information only as necessary to provide these types of services to us. In addition, we may share your basic information (name, company name, phone number, email address with one of our business partners to market their services to you , provided, however, if you do not want us to share your Personal Information in these circumstances with these business partners, please contact us to opt out by email at firstname.lastname@example.org. In addition, we may also share General Information for the same reasons as we provide Personal Information and for business partners and others to conduct analyses and research and track marketing performance or as otherwise provided in the Tracking Technologies part herein.
Some of our pages utilize framing or white-labeling techniques to serve content from our partners while preserving the look and feel of our Website. For example, our Careers page utilizes white-labeling techniques. Please be aware that in these instances you are providing your Personal Information to these third parties and not to CapFront.
We may also disclose your Personal Information:
- As required by law, such as to comply with a subpoena, or similar legal process, including in a bankruptcy proceeding;
- When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a request from a governmental entity;
- If CapFront is involved in a merger, acquisition, or sale of all or substantially all of its assets or equity, in which case, you will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information; and
- To any other third party with your prior consent to do so.
User Access and Choice
If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, delete/remove, ask to have it removed from a public forum or testimonial on our Website or deactivate it by emailing our Customer Support at email@example.com. We will respond to your request within 30 days.
We will retain your information for as long as your account is active or as long as reasonably useful for commercial purposes. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
CapFront and our business partners may contact you to offer you products and services that may be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations or other forms of contact from CapFront and our trusted business partners by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or by contacting us by email at firstname.lastname@example.org.
As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you and to improve marketing, analytics, and Website functionality.
We partner with third parties to display advertising on our Website and manage our advertising on other sites. Our third party partners may use technologies such as cookies to gather information about your activities on this Website and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here (or if located in the European Union click here). Please note this does not opt you out of being served advertisements. You will continue to receive generic advertisements.
Security of Information
CapFront takes the security of your information very seriously. Your information is securely sent to CapFront with 128 bit-encryption over the Transport Layer Security (TLS) protocol. This creates an encrypted connection between your browser and our servers. Thus, when you enter Sensitive Personal Information (such as a credit card number) on our order forms, we encrypt the transmission of that information.
If you allow CapFront to see your banking information online rather than in paper form, it is on a read-only basis. We do not have access to change, edit, or modify bank account information in any way. CapFront employees cannot view your banking username and passwords.
Links to 3rd Party Sites
Our Website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your Personal Information from our blog or community forum, contact us by email at email@example.com or by postal mail at the contact information listed below. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why.
We display personal testimonials of satisfied customers on our Website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us by email at firstname.lastname@example.org or by postal mail at the contact information listed below.
Social Media Widgets
Changes To This Policy
Security of Information
If you are contacting us to opt-out of marketing communications, you must include your full name and business mailing email addresses and account number. Once we locate your contact information based on the information you provide us, it will be removed from our databases and mailings lists.