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Axuda Privacy Policy

Our commitment to protecting your privacy is outlined in the policy below. This privacy policy describes the overall company Privacy Policy of Axuda, Inc. (“Axuda”, “we”, “us”, “our”) and the services offered on the Axuda.org website (“Services”).

How we protect your privacy to earn your confidence and trust
Axuda is a non-profit corporation that works to provide financial resources in the form of microloans to members of our local community in need (our “Borrowers”) who are struggling to meet their short term financial needs. Our goal is to provide a forum for Borrowers to tell their stories and crowdsource loans from lenders (“Lenders”) via the Axuda web platform (the “Axuda Program”). For you to allow us to serve you, we must earn your confidence and trust. As you should expect, the privacy of your personal financial information is extremely important to us. We take significant steps to protect your privacy so we can maintain your trust – and it is the right thing to do.

The information in this notice explains our policies for collecting, using, storing and protecting the personal financial information that you entrust to us.

Axuda does not sell your private information
We do not and will not sell mailing lists or the financial information of Borrowers, Lenders or Sponsors.

Our privacy policy explains:

  1. What information we collect
  2. How we use that information
  3. What information we share with others
Section I – All Axuda.org Website Visitors
What information does Axuda collect about visitors to our website and how do we use that information?
Information We Collect from Visitors and How We Use It

Axuda collects data about your activities that does not personally or directly identify you when you visit our website. This information may include the content you view, the date and time that you view this content, or your location information associated with your IP address. This information is collected for internal research and better targeting of potential transactions to the potential borrowers, lenders and sponsors that visit our website.

We do not target any activities and transactions based on sensitive personal data, such as information related to race or ethnic origin, political opinions, religious beliefs or other beliefs of a similar nature, trade union membership, physical or mental health or condition or sexual life.

Axuda may target activities and transactions based on data provided by our third parties alone or in combination with the data we collect ourselves. Any data used to serve targeted offers is de-identified and is not used to personally or directly identify you. We require third parties to provide notice and obtain appropriate consent, where required by applicable law.

Third Parties on Axuda.org

Axuda works with third party companies to assist us with website analytics such as evaluating the use and operation of our website so that we can continue to enhance the website and our services.

Where required by applicable law, we obtain individuals’ consent for storing and receiving information collected via technologies such as cookies and pixels to keep track of your activities on our website and to serve you more relevant offers, activities and transactions.

How we share your information

We may share your above information with:

  1. Service providers under contract who help with parts of our business operations, such as fraud prevention, bill collection, marketing, and technology services. We may share your information with service providers who assist us with otherwise serving you. We require by contract that our service providers only use your information in connection with the services they perform for us and not for their own benefit, and otherwise keep information confidential.
  2. We may share certain aggregated non-identifiable information of borrowers and lenders, such as the number of users who visit our website or the number of users who clicked on a particular link.
  3. Organizations that Axuda merges with or that acquire Axuda.
  4. Other third parties with your consent or direction to do so.
  5. We may share information about you if necessary to comply with laws or regulations or in response to a valid subpoena, order, or government request, or to protect the rights of Axuda or others.
Section II – Axuda Registered Users
Personal Information You Provide to Axuda

You must provide Axuda with certain personal information when you register on Axuda.org. Some of the personal information that we collect is required and some information is left to your discretion to provide. You are entirely free to choose whether to share information indicated as “optional” with Axuda.

When you decide to register as a Borrower, Lender or Sponsor, we collect certain required personal information, including your name, address, email address, a means to authenticate your account (such as a password), and a phone number. We require this information so that you may log in to the Axuda.org website, as well as to personalize certain content provided to you on our lending platform.

We collect personal information from you when you provide Axuda with updates to your personal information, whether through the Axuda.org website or by contacting us over the telephone, email or mail. You can review your personal information on the Axuda.org website at any time. If you are registered as a lender, borrower or sponsor, you can update the information you have provided about yourself to Axuda for your profile page and account by logging in to your account on the Axuda.org website, clicking on the “Edit profile” or “Edit account” links and making changes to your profile or account, as necessary. Axuda uses your required and discretionary information to facilitate the operation of Axuda.org and to improve the user experience on the website.

Axuda may allow discussion between our users in forums public to some or all Axuda platform users on Axuda.org. Notwithstanding the foregoing, all Axuda.org users acknowledge and agree that any information provided in public areas of the Axuda.org website may be read, collected and used by others who access them. To request removal of your personal information from any portion of Axuda.org, please contact us at info@axuda.org. Whenever Axuda is unable to remove your information for any reason, an explanation will be directed to you.

Axuda may also utilize your information for the purpose of contacting you:

  1. to discuss an issue with your account or to alert you to a problem with processing of a funds transfer;
  2. to maintain regular communications with you about your account, activities and transactions on the Axuda.org website and lending platform (for such purposes as communicating with you about upcoming payments and fund transfer activity and providing appropriate updates and disclosures), and
  3. for the purposes of collection.

In addition, Axuda may contact you to promote our mission, but you may opt out of receiving further promotional emails from Axuda by following the unsubscribe or opt-out instructions provided in the promotional email.

Additional Information We Collect from Borrowers

If you register as a Borrower, we require and collect certain additional personal information directly from you to determine your eligibility as a borrower under our policies and, for the categories of this information that we indicate is public information, to display on the Axuda.org website to all other users. If you are registered as a Borrower, the types of personal information we require and collect from you generally includes your date of birth, your Social Security number or equivalent identification number, as well as general information about you (including your photo) and your loan. This information we collect from you is also shared directly with the sponsoring organization (“Sponsor”) you select.

Axuda collects certain personal information from third parties to facilitate activities and transactions for the operation of the Axuda.org website or lending platform, as well as to improve user experience. Relevant personal information collected may include information about your creditworthiness and credit history, your relationship with the sponsor, your character, and potential risks and challenges in your life. Axuda may also collect personal information from payment processors and third party tools and programs enabled on Axuda.org.

Section III – Other Site Policies
Sharing information with third-party service providers

By using the services of reputable companies, we can provide you state-of-the-art products and services we would not be able to provide you on our own. In all cases where we use third-party service providers to help us serve you, contract provisions and our due diligence protect the privacy of all information shared. Generally, we share your information with non-affiliated third parties to complete transactions or maintain accounts and related records. We limit the information shared to only what is absolutely necessary to provide the service to you.

Here are some examples of third-party service providers we use:

  1. website developer,
  2. application processors,
  3. online platform access provider,
  4. credit card payment processor, and
  5. Automated Clearing House (“ACH”) payment processor.

We may also share information with select non-affiliated third parties, if you request or authorize it, or the information is necessary to process a transaction initiated by you.

We enter into arrangements only with businesses we believe provide a quality product or service and who follow strict confidentiality requirements to assure they are legally bound to safeguard any information that is shared with them.

Technologies We Use

Axuda uses technologies such as cookies and pixels to keep track of your activities on our website and to serve you more relevant micro-lending offers . A cookie is a small text file that is stored on your device for record-keeping purposes. Session cookies expire when you close your browser. Persistent cookies remain on your device for an extended period of time. We and our third party providers use session cookies and persistent cookies to make it easier for you to navigate and enhance the experience of our site, and to monitor and evaluate our website’s operation and use.

We use persistent cookies to keep track of your activities when you visit our website and to serve you relevant micro-lending offers. Axuda’s policy is that we only collect information that does not personally or directly identify you via these cookies. You can remove cookies by following directions provided in your Internet browser’s “help” file. You may also decline our cookies if your browser permits, but doing so may interfere with your use of our website.

How We Protect Personal Information

We take security seriously. And, while we continue providing you convenient new methods by which to access your account, we realize there are a number of precautions we must take to safeguard the information you are transmitting. We employ reasonable and appropriate security measures such as maintaining physical, electronic and procedural safeguards in compliance with applicable security requirements, including federal and state regulations. We use computer safeguards such as firewalls and data encryption; we enforce physical access controls to our buildings and files; and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities. All credit card information is encrypted with 128-bit SSL encryption before it is transmitted across the network. However, no security system is foolproof and we cannot guarantee the security of your information.

Unsupervised Children

Children 18 and under are not eligible to use our services without participation and supervision of a legal parent or guardian. Axuda.org is not a site meant for children, and we do not provide privacy measures designed to protect children when using the Internet unsupervised. Axuda also does not knowingly target children under the age of 13 and makes reasonable efforts to ensure that this does not occur across any of our marketing.

Third Party Website Policies

Axuda has no control over, nor does it bear any of the responsibility for the privacy policies or content of any sites linked to or on Axuda’s website, or the cookies these sites might set in your browser. Axuda encourages you to read and evaluate the privacy policy of any third-party site you visit when you first enter the site. While we strive to only link you to companies and organizations that we feel offer useful information, we do not directly support nor guarantee claims made by these sites.

Opt-Out

An opt-out method is required to be provided by any institution sharing customer information by selling it or by other ways specified in privacy laws. The opt-out effectively removes that customer’s information from sharing processes. Axuda currently only shares information as is expressly permitted in the privacy laws. We NEVER sell your information and only share it within the context of providing services to you.

Our confidentiality agreements include provisions preventing any third-party we deal with from contacting you in any manner outside of the terms of the agreement. Therefore, we do not currently provide an opt-out option, except for promotional materials sent to you by Axuda (the opt-out procedure is found in the promotional materials). We do not intend to alter our current practices but rest assured that if we do, we will provide an opt-out method and make sure that you are given notice and more than adequate time to respond.

How you can contact us about privacy questions or complaints

If you have any questions about this privacy statement, the practices of Axuda, or your dealings with this site, or if you wish to file a complaint relating to this privacy policy, you may contact us at:
Email: info@axuda.org
Phone: 508-658-0150.

Policy Changes

If we decide to change our privacy policy, in whole or in part, we will inform you by posting the changed privacy policy our website, and provide you with a separate notice whenever required by law. Your continued use of the Axuda.org website constitutes your agreement to abide by the privacy policy as changed and that such privacy policy shall apply to your personal data previously collected by the website. If you object to any such changes in our privacy policy, you may contact us and request removal of your information from our website. This privacy policy is effective as of the date indicated at the top.

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