Introduction
Excelsior Capital Services LLC ("Excelsior," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
Information We Collect
Personal Information
We may collect personal information that you provide to us, including:
- Name, email address, phone number, and mailing address
- Social Security Number (SSN) or Employer Identification Number (EIN)
- Date of birth and government-issued identification
- Financial information (income, assets, liabilities, credit history)
- Business information (company name, industry, revenue, ownership details)
- Property information (address, value, mortgage details)
Automatically Collected Information
When you visit our website, we may automatically collect:
- IP address, browser type, and device information
- Pages visited, time spent on pages, and navigation patterns
- Cookies and similar tracking technologies
How We Use Your Information
We use the information we collect to:
- Process and evaluate loan applications
- Verify your identity and prevent fraud
- Communicate with you about your application and our services
- Comply with legal and regulatory requirements
- Conduct credit checks and underwriting analysis
- Improve our website and services
- Send marketing communications (with your consent)
Information Sharing and Disclosure
We may share your information with:
- Lenders and Financial Institutions: To process your loan application
- Credit Bureaus: To obtain and verify credit information
- Service Providers: Who assist us in operating our business (e.g., technology providers, document processors)
- Legal and Regulatory Authorities: When required by law or to protect our rights
- Business Partners: With your consent, for partnership opportunities
We do not sell your personal information to third parties for their marketing purposes.
Data Security
We implement industry-standard security measures to protect your personal information, including encryption, secure servers, and access controls. However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
Your Rights and Choices
You have the right to:
- Access and review the personal information we hold about you
- Request correction of inaccurate or incomplete information
- Request deletion of your information (subject to legal requirements)
- Opt-out of marketing communications
- Disable cookies through your browser settings
To exercise these rights, please contact us at the information provided below.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our website, analyze usage patterns, and deliver personalized content. You can control cookie settings through your browser preferences.
Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page indicates when the policy was last revised. We encourage you to review this policy periodically.
Contact Us
If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us: