PRIVACY NOTICE
This Privacy Notice explains how StreamSource Technologies, Inc., doing business as “Skeps” (“we” or “us”) collects and uses the information you provide to us, to help you make informed decisions when you use visit this website. Please be sure to read this entire Privacy Notice before using our website. If you do not agree to the terms of this Privacy Notice, please do not use this website.
Scope and Purpose
Skeps provides a point-of-sale financing platform that connects banks or other financial institutions (collecting “Lending Partners”) and merchants that enable this technology (“Merchants”). For clarity, Skeps is responsible only for facilitating the technology that enables these transactions to occur (the “Platform”). This website is intended for business users who may be interested in using the Skeps Platform. Skeps does not market the Platform or any other products or services to individual or household consumers and our Platform product is intended for use only within the United States. If you are a consumer and you visit or shop with a merchant using our Platform, your interactions are governed by the terms of service and privacy policies of that merchant.
Skeps is not a lender or other financial institution and we do not make credit decisions or extend credit. This website is directed at a business audience, and any personal information collected, is only as described below, namely:
- To support and improve site functionality, and
- To respond to your inquiries about how our Platform may be useful for your business.
Information we collect
When you visit or use our website, we may collect the following types of information:
- Technical information including, but not limited to, browser type, IP address, mobile device type and identifier, screen resolution, operating system, the date and time of a visit or use, and similar information to support basic site functionality. We use this information to support and improve the proper functioning of this website.
- Aggregated information as you and others browse and use our website. We use Google Analytics for this purpose. We use this information to support and improve the proper functioning of this website.
- Personal information you choose to provide to us such as your name, professional contact information, and email address. You may provide this information, for example, when you make requests for information or assistance, such as a request for a demo. We use this information to contact you with more information about how our Platform may be useful for your business. By submitting Personal Information to us, you are voluntarily consenting to use of such information in accordance with this Privacy Notice.
Uses of Information
We may use the information we collect from you for purposes such as:
- To respond to your inquires and requests related to your business’s potential use of our Platform, including if you request a demonstration of our product;
- To operate and improve our website;
- To detect and protect against threats to the Site's security; and
- For any other purpose specified at time of collection.
Analytics
We use Google Analytics to better understand how visitors interact with our website. This service provides technical data including but not limited to data on where visitors came from, what actions they took on our website. We use this information to improve your experience when visiting our Sites. Note that if you use more than one browser or more than on computer, you may need to opt out individually for each browser or computer.
Service Providers
We may share and collect information with service providers, which may include credit data, KYC data, Device data with Bureaus, Fraud detection vendors, communication (email and text) partners, lending partners, virtual card providers, Google, Hubspot, and others, to assist in responding to your inquiries or requests, or to perform business or operational functions.
We may also disclose information about you if required by law or to protect our or third-party rights, as disclosed at the time of collection.
Lending Partners
We may share information about you with our Lending Partners to the extent reasonably necessary to enable the use of or improve the Platform, or to facilitate the availability of our Lending Partners’ products to you or your customers.
Security
We employ security measures to protect data collect through our website from accidental loss, unauthorized alteration and disclosure. While we do our best to protect your data, we cannot guarantee the security of data transmitted to our website.
Cookies
Besides any information you may choose to submit, we also use cookies and other technologies to support website functionality. A “cookie” is a small text file that a website or application has your browser store on your device to capture certain information about you, such as site usage, while visited by you. We do not make any effort to identify or otherwise track individual users. The information generated by the cookie about your use of the Skeps website will be transmitted to and stored by Google on servers. You may find out more about cookies and how to control them via your browser here: http://www.allaboutcookies.org/
Links to other websites
This website contains links to other websites we do not own or operate. This Privacy Notice applies only to this website and not to any other sites to which it links. We encourage you to read the privacy notices of any third-party website you visit.
Notice and Choice
Like any website, this website requires some amount of Personal Information to function. For example, the website needs IP addresses and browser and system information to function.
If you choose to contact Us, you may choose to provide some additional information, such as your at-work email address. This is completely optional. If you do so, we will use this information to contact you in response to your inquiry.
Changes in our privacy practices
From time to time, we may make changes to our privacy practices and update this Privacy Notice. We will notify you of any changes to our Privacy Notice by posting any updated policies on this page. Please visit this page from time to time for any updates. Your continued use of this website constitutes your acceptance of the new terms.
Contact us
If you have questions about this Privacy Notice, please contact us at privacy@skeps.com.
For Users in Specific regions such as California or Europe
Some jurisdictions such as the European Union, California, Nevada, or others grant individuals specific rights related to their data. This website is intended for a business audience in the United States only. We do not offer products and services or track the activities of users in the European Union or European Economic Area as defined in the General Data Protection Regulation (GDPR). We do not “sell” consumer information as the term is used in the California Consumer Privacy Act (CCPA). However, if you believe you have rights under the CCPA, GDPR, or any other privacy law, and you would like to exercise them, please contact us at: privacy@skeps.com.
California Privacy Notice
This notice is intended to satisfy the California Consumer Privacy Act of 2018 (“CCPA”). The CCPA requires us to explain how we collect, use, and share Personal Information and your rights and choices under California law.
We do not sell Personal Information. This website is designed for a business audience. Specifically, we are trying to reach individuals who may be interested in using our software, the Skeps platform, for their business. This website is not directed at individual consumers, and we do not collect identifiable individual information unless you choose to provide such information to us.
When you browse the Skeps website, your Personal Information is collected and used as follows:
|
Information |
CCPA category |
UseCollected - How? |
Used for? |
Shared? |
|
Device identifiers, online activity data, and device identifiers. |
Identifiers, internet and network information, online identifiers |
Automatically |
Operations |
Shared with service providers only, to support website functionality. |
|
Name, business contact information |
Identifiers, online identifiers |
Submitted by you |
If you submit contact information, we will use this to contact you as requested. |
Service providers and Lending Partners. |
How we use your personal information
We are StreamSource Technologies, Inc., a Delaware company headquartered in New York, New York. We produce the Skeps software platform designed to enable consumers to find great loans and apply with confidence.
We do not sell Personal Information. This website is designed for a business audience. Specifically, we are trying to reach individuals who may be interested in using our software, the Skeps platform, for their business. This website is not directed at individual consumers, and we do not collect identifiable individual information unless you contact us by providing us with your contact information.
Besides any information you may choose to submit, we also use cookies and other technologies to support website functionality. We do not make any effort to identify or otherwise track individual users. You may find out more about cookies and how to control them via your browser here: http://www.allaboutcookies.org/
Who do we share the information with?
We share your Personal Information with Service Providers who are only permitted to use your information as we instruct. Like most web-based businesses, we rely on a variety of Service Providers to perform basic functions like host and run our website, manage our business, and communicate with our customers and users of the Platform or our website.
Your Privacy Rights
State laws, such as California’s CCPA, grant individual consumers several rights and we honor these rights.
Information. You can request information about how we have collected, used and shared your Personal Information during the past 12 months.
Access. You have the right to request a copy of your personal data by mailing it to us on help@skeps.com
Rectify any inaccurate or incomplete information. In case the data subject perceive information referring to the data subject to be wrong or incomplete, they have the right to request a certain set of information to be rectified or completed by mailing it to us on help@skeps.com
Deletion. You have the right to request for any personal data – that Skeps is not obliged to keep – to be deleted by mailing it to us on help@skeps.com
Exception to the rule : Retention of certain data. Please note that there may be instances where access to data or the right to delete specific information may be limited based on the legal requirements.
Requests Generally
We state the types of information we collect, why, and with whom we share the information above, including the purpose and use.
We do not typically retain information that would enable us to identify individual users. If we cannot confirm your identity, we are not required to provide a response beyond that after a reasonable search we could not find any information about you.
We consider several factors in responding to requests. We do not include sensitive information in a request response. We also take reasonable steps to verify your identity, which may require you to provide some information about yourself. We do not discriminate against any user or consumer based on their submission of requests under any law such as the CCPA. If we deny some or all of a request, we will explain why. Please contact privacy@skeps.com for any further questions.