Privacy Policy

Last Updated: Nov 5, 2020

We understand your privacy is very important to you, and we are committed to keeping your information private and as secure as possible. This Privacy Policy is intended to help you understand how information is collected, stored, and what could be done with that information.

Owner and data controller

Access to Capital for Entrepreneurs (ACE)
Address: 3173 Hwy 129 North, Cleveland, GA 30528

Email: info@aceloans.org
Phone: 678-335-5600, For the hearing impaired, please visit Georgia Relay at http://www.georgiarelay.org or dial 7-1-1

General disclaimer

While visiting AceLoans.org, we will not collect any personal information about you unless you choose to provide that information to us. If you choose to provide this information, it will be used for the express purpose for which it was intended, such as responding to your request for information, participating in events, making a payment or applying for a loan. We remind you that if you visit a link outside of AceLoans.org you are subject to the privacy policies of that site.

Information collected and stored automatically

AceLoans.org automatically collects some technical information from you when you visit the site in order to give you the best possible experience. AceLoans.org uses web measurement technology (Google Analytics) to automatically track how visitors interact with AceLoans.org including where they came from, what they did on the site and whether they completed any predetermined tasks while on the site. 

Aggregate data is used to help ACE improve our user interface and diversify our content offerings to meet the needs of our customers, track operational problems, prevent fraud and improve the effectiveness, security and integrity of the site. This information does not identify you personally and data is only retained in accordance with the ACE data retention policy. For each page that you visit, we collect and store only the following technical information:

  • Date and time of access
  • URL address of the AceLoans.org webpage visited
  • Internet domain and IP address from which our website was accessed
  • Type of browser and operating system used to access our site (if provided by the browser)
  • URL address of the referring page (if provided by the browser)
  • Completion or success status of the request for a web page or other on-line item
  • File size of the web page visited

This information is only used to help us make the site more useful for you. With this data we learn about the number of visitors to our site and the types of technology our visitors use. We never track or record information about individuals and their visits and we do not share this data with anyone outside ACE unless necessary to provide the requested services.

Google Analytics (Google, Inc.)

Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the data collected to track and examine the use of this website, to prepare reports on its activities and share them with other Google services.

Google may use the data collected to contextualize and personalize the ads of its own advertising network.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy PolicyOpt Out.

Cookies

When you visit some websites, their web servers generate pieces of information known as cookies, which helps webmasters understand how users interact with their site’s content and services. Websites use cookies to track one’s activities on a website (e.g., pages visited, links clicked on, etc.), and to record information about the user so when the user returns to the site, customized features can be provided.

Any use of cookies – or of other tracking tools – by this website or by the owners of third-party services used by this website serves the purpose of providing the service required by the user.

There are two types of cookies. A session cookie is a line of text that is stored temporarily in your web browser’s memory cache, and will expire when the browser is closed. A session cookie is not placed on any hard drive, and it is destroyed as soon as you close your browser. A persistent cookie is saved to a file on your hard drive and is accessed whenever you re-visit the website that put it there. This lets that website remember what you were interested in the last time you visited.

Session cookies

Session cookies are required to keep users logged into their AceLoans.org accounts. There are times when your personal information is stored in the session, but it is temporary and removed at the end of the process that requires it. All highly sensitive information (such as social security numbers and signatures) are encrypted within the session and sent over secure, encrypted connections. For more information on how this data is stored please see the Site Security section below.

Persistent cookies

We use persistent cookies to enable Google Analytics to differentiate between new and returning AceLoans.org visitors. Persistent cookies remain on your computer between visits to AceLoans.org until they expire. 

ACE may utilize third party services to enhance its distribution of data and information (e.g., videos) through links from the AceLoans.org web site. A persistent cookie may be set by such a third party provider when you click on the provider’s link in order to access ACE data (e.g., play a video).

By default, persistent cookies and web measurement technologies are automatically used when you visit AceLoans.org. Nevertheless, if you decide to disable or remove cookies from your browser, you will continue to have access to all information and resources on AceLoans.org. To learn more about how to disable cookies in your browser, please click here.

Information collected from interactive forms and surveys

Personal information – AceLoans.org provides interactive forms that let you voluntarily submit personal information (such as your email address, name, or address, business information and/or socio-economic demographics). This occurs when you register to receive email updates and newsletters, registering with the ACE Women’s Business Center (WBC), sending questions and comments to the ACE team. In these cases, all submitted information is used only for the express purposes for which it is provided. This information may be shared with a third party only when necessary to provide the requested service.

Personal Data is collected for the following purposes:

  • To allow us to provide a more customized service or communication.
  • To offer a training event, one-on-one coaching, or business advisory services
  • To follow up with you after an email, phone or web-based inquiry
  • To allow us to provide requested services, such as processing a loan application
  • To process online payments for users
  • To allow us to meet requirements from government organizations (like the SBA)

We may share Personal Data with various parties, including:

  • Our contracted service providers that process Personal Data on our behalf for IT and system administration and hosting, credit card processing, research and analytics, marketing, customer support and data enrichment;
  • Affiliates within our current or future operations that process Personal Data for customer support, event management, technical operations and account management;
  • Public and government authorities, to the extent we are compelled to disclose Personal Data to comply with our legal obligations.

Payment information (“Personal Data”) – When you apply for a loan with ACE or register to make ACH payments, we may collect the information necessary to process the transaction, such as credit card information, bank information, full address, and telephone number. Credit card and checking account information is not stored by ACE, as they are processed through a third-party payment processor. For more information please see Site Security below. 

Payment information is collected for the following purposes:

  • To purchase access for events or training participation
  • To allow us to provide requested services, such as processing a loan application
  • To process online payments for users

We may securely transmit payment information to other parties, including:

  • Our contracted service providers that process payment information on our behalf for IT and system administration and hosting, credit card processing, and customer support

General contact forms

By filling in the contact form with their data, the user authorizes this website to use details (such as name, email address, and phone number) to reply to requests for information or any other kind of request as indicated by the form’s header.

Email newsletter subscription

By registering on the mailing list or for the newsletter, the user’s email address will be added to the contact list of those who may receive email messages containing information of commercial or promotional nature concerning this website. Your email address might also be added to this list as a result of registering with the WBC or applying for a loan.

WBC registration

When registering with the ACE Women’s Business center for access to services like webinars, events, or one-on-one consulting, data (such as your email address, name, or address, business information and/or socio-economic demographics) are required to meet SBA requirements for documentation of the services provided. Your email address is used to create a user account on the AceLoans.org website, which gives the user access to webinars and events, as well as, tracking user progress in webinars, when logged in.

Surveys

ACE may also use online survey instruments to obtain feedback on your experience with AceLoans.org. The survey is voluntary and does not collect personal information. If you decline the survey you will still have access to the same information and resources of AceLoans.org as those who do take the survey. The survey reports are available only to AceLoans.org managers and other staff who require this information to perform their duties. ACE retains the data from the survey results in accordance with its data retention policy.

Children’s privacy

Because we care about the safety and privacy of children online, AceLoans.org does not knowingly contact or collect personal information from children under 13. AceLoans.org is not intended to solicit information of any kind from children under 13.

It is possible that by fraud or deception we may receive information pertaining to children under 13. If we are notified of this, as soon as we verify the information, we will immediately obtain parental consent or otherwise delete the information from our servers. If you want to notify us of our receipt of information by children under 13, please do so by sending an e-mail to ACE at info@aceloans.org.

Access and storage of your data

Data Retention

Non-personal Data collected automatically for the purpose of website traffic analytics is currently stored for 26 months.

Personal Data submitted in communication with ACE shall be retained for as long as needed, as allowed or as required by law. For instance, we may retain and use your Personal Data as necessary to comply with our legal obligations, resolve disputes, prevent fraud and abuse and fulfill and enforce our agreements.

Data sharing

ACE does not sell, rent, or lease any individual’s personal information or lists of email addresses to anyone for marketing purposes, and we take commercially reasonable steps to maintain the security of this information. However, ACE reserves the right to supply any such information to any organization into which ACE may merge in the future or to which it may make any transfer in order to enable a third party to continue part or all of ACE’s mission. 

In addition to ACE, in some cases, the data may be accessible to certain types of persons in charge, involved with the operation of this website (administration, sales, marketing, legal, system administration) or external parties (such as third-party technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed, if necessary, as data processors by ACE. The updated list of these parties may be requested from ACE at any time.

In any case, ACE will gladly help to clarify the specific basis that applies to the processing, and in particular whether the provision of Personal Data is necessary to provide services.

Requesting access to and deletion of Personal Data

You, the user, may request access to the data that we have, to rectify or correct it, and to request eraser of your information from our database. 

  • Users may withdraw consent where they have previously given their consent to the processing of their Personal Data
  • Users may ask if data is being processed by ACE, obtain disclosure regarding certain aspects of the processing and obtain a copy of the data undergoing processing
  • Users can verify the accuracy of their data and ask for it to be updated or corrected
  • Users can request that their Personal Data be deleted or otherwise removed

To do so, please contact us at info@aceloans.org.

Site security

For site security purposes and to ensure that this service remains available to all users, ACE takes appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of the data.

Data encryption in transit

When you enter personal or financial information on an AceLoans.org form, it is encrypted with secure socket layer technology (SSL). Although we follow accepted industry standards to protect your personal information, no method of transmission or storage over the Internet is 100% secure.  It is up to you to be careful where you submit your personal information.

Data storage

Account access details (such as passwords) are encrypted when stored. Sensitive, personally identifiable information (such as social security numbers and signatures) submitted in the process of applying for a loan is housed through third-party vendors specializing in robust and reliable systems that are continually monitored and updated as per the latest security practices for data protection. Please contact us if you would like further details.

PCI Compliance

ACE carefully follows and regularly evaluates all requirements in order to maintain PCI compliance as specified by the PCI Security Standards Council.

Social media and third-party websites

ACE uses some social media tools and websites to interact with its customers and resource partners. Social media websites are used to publicize ACE programs and services and engage with members of the public. ACE does not use third party websites to solicit and collect personal information from individuals. Any personal information collected by a third party website may not be transmitted to ACE. ACE’s privacy and other web policies do not apply to these third party sites and we encourage you to read the policies of the third party site when deciding whether to use it. The official ACE social media sites are as follows:

Facebook

The Facebook Like button and social widgets are services allowing interaction with the Facebook social network provided by Facebook, Inc.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy.

Twitter

The Twitter Tweet button and social widgets are services allowing interaction with the Twitter social network provided by Twitter, Inc.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy.

Links to other sites

AceLoans.org contains links to websites of other public and private organizations. When you follow a link to another site, you leave the AceLoans.org site and your website interactions are no longer protected by our privacy policy. AceLoans.org is not responsible for, and does not endorse the privacy or security practices and content of sites to which AceLoans.org links.

Contact Us

Access to Capital for Entrepreneurs (ACE)

Address:
3173 Hwy 129 North
Cleveland, GA 30528

Email:
info@aceloans.org

Phone:
678-335-5600

For the hearing impaired, please visit Georgia Relay at http://www.georgiarelay.org or dial 7-1-1

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