Privacy Policy

This Privacy Policy explains how Pier Finance, Inc. (“Company,” “us,” or “we”) collects, uses, and discloses personal information that we receive from customers and information we may obtain through your use of our website, www.pier-finance.com (“Website”).

If you have questions or concerns regarding this Privacy Policy, you may contact us at:

Pier Finance, Inc.
support@pier-finance.com

1. Collection of Information

Our websites and services are designed for business customers and not for consumer use in any manner. Pier Finance, Inc. does not collect information directly from consumers. We only obtain consumer information as a service provider to our business customers.

1.1 Information You Provide to Us

We do not collect information directly from consumers.

1.2 Information Received from Third-Parties

We may collect certain non-personally identifiable information and personally identifiable information from third-party customers:

• Registration Information. We may obtain certain information that identifies you as a specific individual (“Personal Information”), including, but not limited to, your first and last names, home or billing address, email address, social security number, or phone number. 
• Payment Information. We may collect certain payment information such as bank account, credit card, or other financial account information, and your billing address associated with such accounts.
• Non-Personal Information. We may collect information that does not identify you as an individual (“Non-Personal Information”), such as zip codes, demographic data, and general Project-related information that is not associated with you or your property or business. In some instances, we may de-identify or anonymize your Personal Information so that it no longer can be used to identify you as a specific individual. In general, we consider such de-identified or anonymized information to be Non-Personal Information.
• Combined Information. Certain Non-Personal Information can be used to identify you when combined with other pieces of Non-Personal Information or with Personal Information. We will treat such combined information as Personal Information.

1.3 Information Collected Automatically

When you access or use our websites, our systems may automatically record and retain certain usage information, such as details about your computer or mobile device, your IP address, and related metatag data for your submitted media, your browsing activity on our Website, and similar statistical information about your visit to our Website.

Additionally, we may send “cookies,” “web beacons,” and similar technologies to your computer or device in connection with operating the Website. These technologies can identify you as a unique customer and store your personal preferences, tell us which webpages you have visited, and in what order, and identify your computer or device. On their own, cookies and web beacons do not contain or reveal personally identifiable information; however, if you choose to provide us with personally identifiable information about you, it can be linked to the anonymous data stored in the cookies and/or web beacons.

We also may incorporate third-party technologies (such as ads, plugins, APIs, pixels, and cookies) which may enable third-parties to collect information about you and your online activities. Any information collected through such third-party technologies is collected directly by these third-parties for use by them, and is subject to the privacy policies of such third-parties.

2. Use of Information

We may use information collected about you for a variety of commercial purposes, including without limitation the following:

• to provide and improve our services, and to carry out our other business purposes (including to process your transactions and to administer your Member Account);
• to respond to inquiries that you may have;
• to maintain a customer profile for you; and
• to comply with applicable laws and regulations, to protect the property and rights of the Company or Members, or to prevent or stop activity that we believe violates our Terms of Service or is illegal; and for any other purpose disclosed to you at the time you provide your information.

We may also use information about you that we collect for security, administrative, and legal purposes.

3. Information Retention

We will retain information about you collected for at least as long as it serves the purposes for which it was initially collected or subsequently authorized, and we may keep such information indefinitely. In order to comply with applicable laws and regulations, we will retain payment transaction information for at least five (5) years.

4. Information Disclosure

We may disclose to third parties information collected about you either (i) when we have your permission, or (ii) in any of the following situations without your permission:

• We may disclose information collected about you to third-party service providers or other partners who perform services on our behalf, including without limitation in connection with our service provider or partner completing or confirming a transaction that you conduct with us. When we transfer personally identifiable information about you to such a service provider or partner, that entity will be required to use such information only to carry out those services that we have requested and to provide adequate protection for such information. The foregoing includes that your third-party account login credentials and certain associated information about you will be provided to our third-party service providers. YOU HEREBY ACKNOWLEDGE AND AGREE THAT SUCH INFORMATION WILL BE TREATED IN ACCORDANCE WITH THE APPLICABLE THIRD PARTY’S PRIVACY POLICY.
• We may also share information collected about you with our auditors, attorneys, and similar advisors in connection with our receiving their professional services, subject to standard confidentiality obligations.
• We may disclose information about you to the government or to third-parties under certain circumstances when legally obligated to do so, such as in connection with suspected illegal activity, or to respond to a subpoena, court order or other legal process. We reserve the right to release such information to law enforcement or other government officials, as we, in our sole discretion, deem necessary or appropriate.
• We may also disclose information about you to third-parties if needed to enforce any of our Terms of Service; to conduct any investigation of potential violations thereof; to detect, prevent, or otherwise address fraud, security or technical issues; to protect the rights, property or safety of the Company or others; or to protect against harm to any element of the Website.

5. California Privacy Rights

If you are a California resident, you have certain rights with respect to your information. Under California law, a California resident has the right to request certain information with respect to the types of personal information financial services providers share with third parties, and the identities of those third parties, within the immediately preceding calendar year, subject to certain exceptions. 

California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit https://www.oag.ca.gov/privacy/ccpa.

6. Security Measures

We have implemented and follow reasonable industry standard technical and procedural measures (including encryption of certain information) intended to protect against unauthorized access and use of information. However, please note we cannot fully eliminate these risks as no technology is completely secure.  The website is operated on software, hardware, and networks, any component of which may, from time to time, experience breaches of security or other issues beyond our control. 

Accordingly, we cannot guarantee that any information about you, whether during transmission or while stored on our systems or otherwise in our care, will be absolutely safe from intrusion by others who do not have your authorization. Any such transmission or sharing of that information is done at your own risk.

You also play a role in protecting your personal information. Please do not share your username or password with others.

7. Changes to this Privacy Policy

We may update or modify this Privacy Policy from time to time, and any such changes will be effective upon being published. In the event that there are material changes to the way we collect, use, process, or disclose your Personal Information, prior to the change becoming effective we will display a notice or make such other commercially reasonable efforts as we deem appropriate to notify you. Notwithstanding the previous sentence, please visit this page and review this Privacy Policy periodically so that you will be aware of any material or nonmaterial changes. Your continued use of the website after any modification to this Privacy Policy will constitute your acceptance of such modification.

8. Contacting Us

You can update, change, or correct any Personal Information we have collected about you through the Platform at any time by emailing us at support@pier-finance.com.

Thank you for reading through these Terms.