Privacy Policy
Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy:
- Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
- We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
- We will only retain personal information as long as necessary for the fulfillment of those purposes.
- We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
- Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
- We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
- We will make readily available to customers information about our policies and practices relating to the management of personal information.
- No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.
GCG FL LLC: Business Funding Privacy Policy
This privacy policy has been compiled to better serve those who are concerned with how their 'Personally identifiable information' (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.
What personal information do we collect from the people that visit our blog, website or app?
When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, phone number or other details to help you with your experience.
When do we collect information?
We collect information from you when you fill out a form or enter information on our site.
How do we use your information?
We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
- To personalize user's experience and to allow us to deliver the type of content and product offerings in which you are most interested.
- To send periodic emails regarding your order or other products and services.
How do we protect visitor information?
Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers.
Do we use 'cookies'?
Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.
We use cookies to:
- Understand and save user's preferences for future visits.
- Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser's Help menu to learn the correct way to modify your cookies. If you disable cookies off, some features will be disabled. It won't affect the users experience that make your site experience more efficient and some of our services will not function properly. However, you can still place orders.
Third Party Disclosure
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Third party links
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
California Online Privacy Protection Act ("CalOPPA")
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. According to CalOPPA we agree to the following:
- Users can visit our site anonymously
- Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website.
- Our Privacy Policy link includes the word 'Privacy,' and can be easily be found on the page specified above.
- Users will be notified of any privacy policy changes: On our Privacy Policy Page
- Users are able to change their personal information: By emailing us
How does our site handle do not track signals?
We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place. It's also important to note that we do not allow third party behavioral tracking.
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under 13, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation's consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online. We do not specifically market to children under 13.
Fair Information Practices
The Fair Information Practices Principles (FIPPs) form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the FIPPs and how they should be implemented is critical to comply with the various privacy laws that protect personal information. In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur: We will notify the users via email within 7 business days.
We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations. We collect your email address in order to: To be in accordance with CANSPAM we agree to the following: If at any time you would like to unsubscribe from receiving future emails, you can email us at operations@guardiancapitalgrp.com and we will promptly remove you from ALL correspondence.
Hollywood, FL 33021
Phone: (305) 676-5425
Email: operations@guardiancapitalgrp.com
Terms & Conditions
Welcome to the Guardian Capital Group ("GCG") website. GCG offers flexible, working capital investment solutions to small businesses to sustain or grow their enterprise, including purchase and sale of future receivables and related services ("Service"). By accessing and using this site, you agree to each of the terms and conditions set forth herein ("Terms of Use"). Additional terms and conditions applicable to the specific areas of this site are posted throughout the site and, together with these Terms of Use, govern your use of these areas, content and/or transactions. GCG reserves the right to update the content of its website, including the Terms of Use, at any time without prior notice. Your use of the site constitutes your agreement to follow and be bound by the terms and conditions of the site, as well as these Terms of Use, as modified. You are encouraged to review the website and these Terms of Use periodically for updates and modification.
1. Copyright and Trademark
Unless otherwise noted, all materials on this site are protected as the copyright, trade dress, trademarks and/or other intellectual properties owned by GCG and/or its subsidiaries and affiliates or by other parties that have licensed their material to GCG. GCG's marks on this site represent some of the marks currently owned or controlled in the United States. The display of these marks and of notices associated with these marks is not intended to be a comprehensive combination of all of GCG's proprietary ownership rights and GCG may own or control other proprietary rights in one or more countries outside of the United States. You may not reproduce, redistribute or otherwise use any materials without the express written consent of GCG or rights not exclusively granted are reserved.
2. Privacy and Security
For an explanation of GCG's practices and policies related to the collection, use and storage of online visitors' information, please read our Privacy Policy. The Privacy Policy may be updated from time to time at our discretion. Changes will be effective upon posting to the Website and are hereby incorporated into this Agreement.
3. Warranty Disclaimer & Limitation of Liability
You agree that your use of the website and services shall be at your sole risk. Except as otherwise expressly stated with respect to our products, all contents of this site are offered on an "as is" basis without any warranty whatsoever, either express or implied. GCG makes no representations, express or implied, including, without limitation, implied warranties of marketability and fitness for a particular purpose. GCG makes no warranties or representations of any kind that the services provided by this website or any link site will be uninterrupted, error-free or that the site or server that hosts the site are free from virus or other forms of harmful computer code or other harmful components, or that defects will be corrected even if GCG is aware of them.
In no event shall GCG, its officers, members, directors, employees, or agents, be liable to you for any direct, indirect, incidental, special, punitive, consequential damages, or attorneys' fees arising out of or relating to these terms, access to, use of, or the operation of any site, any of the site content, or user content. Your sole and exclusive remedy and GCG's sole and exclusive liability to you for any reason shall be for you to discontinue your access to or use of the site. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction. In the event State law does not allow the exclusion or limitation of liability for consequential or incidental damages, GCG's liability shall be limited and warranties are excluded to the fullest extent permitted by law, but shall in no event exceed $100.00. You agree that any cause of action arising out of or related to GCG, any website, or any website content or user content must be commenced within one (1) year after the cause of action accrues. Otherwise, such cause of action is permanently barred.
4. Indemnification
You agree to indemnify, defend, and hold harmless GCG, its affiliates, and partners, including without limitation, GCG's service providers and banks—and their respective officers, directors, employees, agents, and representatives—from and against all losses, expenses, damages and costs including reasonable attorneys' fees, for any claims, causes of actions, procedures or allegations arising out of or relating to any violation of these Terms of Use, your use of the website, website content, or user content (including but not limited to infringement of third parties' worldwide intellectual property rights or negligent or wrongful conduct) by you or any other person accessing any website on your behalf. GCG reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to defense by you.
5. Unlawful or Prohibited Use
As a condition of your use of the Services, you will not use the Services for any purpose that is unlawful or prohibited by these Terms of Use. You may not use the Services in any manner that could damage, disable, overburden, or impair the GCG website or interfere with any other parties' use and enjoyment of the Services. You may not attempt to gain unauthorized access to any Services, computer systems or networks connected to any GCG server or to any of the Services through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through these Services.
6. External Links
Links to other websites do not imply an endorsement of the materials disseminated at those websites, nor does the existence of a link to another site imply that the organization or person publishing at that site endorses any of the materials at this site. Links to other websites are provided by GCG as a convenience to its users. GCG is not responsible for the materials contained in any website linked to this site. Please be advised that third-party websites may have different terms of use and privacy policies.
7. Authority
Use of the Services is void where prohibited. By using the Services, you represent and warrant that (a) all application information you submit is truthful and accurate; (b) you will maintain the accuracy of such information; (c) you are 18 years of age or older; (d) your use of the Services does not violate any applicable law or regulation; (e) you are authorized on behalf of the company whose name you have entered to apply for business working capital investment. Your profile may be deleted and your Membership may be terminated without warning if we believe, in our sole discretion, that you are in violation of any Terms of Use.
You understand and agree that GCG and our agents and assignees are authorized to contact third parties to conduct background checks and other investigative reports and make credit report inquiries (including requesting business and personal credit bureau reports from credit reporting agencies and other sources) or for any other lawful purpose, and that GCG has the authority for the foregoing in connection with any update, renewal, or extension of the credit to the company on whose behalf you are applying for credit. Upon your written request, we will advise you if we obtained a credit report. You understand and agree that GCG is making no commitment or guarantee that any product, evaluation, or guidance provided by GCG will result in an investment approval.
8. Account Security
Customer Duty – You agree to keep confidential all passwords, user IDs, IP addresses and other account identifiers and are solely responsible for any liability or damages resulting from your failure to maintain that confidentiality. You are solely and fully responsible and liable for all activities that occur under your GCG account, password, user ID or IP address. You agree to: (a) Immediately notify GCG if you suspect any breach of security such as loss, theft, public use (unrestricted, open, communal or shared use by third parties unrelated and/or not affiliated with the customer either for profit or not-for-profit) or unauthorized disclosure or use of your GCG account, password, user ID or any credit or charge card numbers provided to GCG by calling (305) 676-5425; (b) Ensure your exit from your account as applicable at the end of each session; and (c) Periodically change your password.
Account Access – You authorize GCG to provide information about and make changes to your GCG account including adding new services on the direction of any person able to provide information we deem sufficient to identify you.
Assumption of Risk – There is a risk that other(s) may attempt to access your services, such as through the internet or connected networks. You acknowledge this risk is inherent to the shared nature of the services and you agree to take full responsibility for taking adequate security precautions and safeguarding your data.
9. Electronic Communications
By using parts of this website, or sending emails to GCG, you agree to receive communications from us electronically and that all agreements, notices, disclosures and other communications that we, our affiliates, partners or independent contractors provide to you electronically satisfy any legal requirement that such communication be in writing and are effective immediately. You have the right to withdraw your consent to receive disclosures and submit information electronically. You may withdraw your consent by contacting the Company in writing. If you choose to withdraw your consent, you will not be able to make any requests through our website or receive SMS. If you have a pending request on our website, we will terminate it and remove it from our system. If you have already received an investment, all previously agreed to terms and conditions will remain in effect, and we will send disclosures to your verified business address provided during registration. You may obtain a free copy of your electronic application by contacting the Company in writing at 4601 Sheridan St., Hollywood, FL 33021 or by telephone at (305) 676-5425.
10. Telephone Communications
You hereby expressly consent to receiving calls and messages, including auto-dialed and pre-recorded message calls and SMS messages (including text messages) from GCG, its affiliates, marketing partners, agents and others calling at GCG's request or on its behalf, at any telephone numbers that you have provided or may provide in the future (including any cellular or mobile telephone numbers). Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You may opt out of receiving calls and marketing from GCG and its affiliates, marketing partners, agents and others as provided in the Privacy Policy or by contacting us directly.
11. Governing Law and Forum
Jurisdiction – Any dispute arising from these terms shall be resolved exclusively in the State and Federal Courts of the State of Florida. Furthermore, these terms and the interpretation, performance and enforcement of your and GCG's rights and duties shall be construed in accordance with the laws of the State of Florida except for the conflict or choice of law principles thereof.
12. Feedback and Submissions
You agree you are and shall remain solely responsible for the content of any submissions you make and you will not submit material that is unlawful, defamatory, abusive or obscene. You agree that you will not submit anything to the site that will violate any right of any third party, including copyright, trademark, privacy or any other personal or proprietary rights.
13. Force Majeure
GCG shall not be liable for any failure or delay in performance due in whole or in part to any cause beyond the reasonable control of such party or its contractors, agents or suppliers, including but not limited to utility or transmission failures, power failure, strikes or other labor disturbances, acts of God, acts of war or terror, floods, sabotage, fire, natural or other disasters.
14. Contacting Guardian Capital Group
In the event you should have any questions about these terms, please contact us at (305) 676-5425. To inquire about linking to our site or about copyright or trademark matters, please contact us at operations@guardiancapitalgrp.com.
Hollywood, FL 33021
Phone: (305) 676-5425
Email: operations@guardiancapitalgrp.com
Complaint Handling Policy
Policy Statement
It is the policy of GCG FL LLC d/b/a Guardian Capital Group and its affiliates ("GCG") to respond to all customer issues, disputes and complaints quickly, decisively and accurately. GCG will make every effort to reach a mutually agreeable resolution to each complaint.
Rationale
The policy is designed to provide guidance on the manner in which GCG handles complaints made against the company, its business partners and employees.
What is a Complaint?
A complaint, as defined by this Policy, is defined as follows:
- An expression of dissatisfaction made to the company, related to our products and services, or the complaint-handling process itself, where a response or resolution is explicitly or implicitly expected.
Any complainant who is dissatisfied with a product or service provided by GCG or one of its business partners, for any reason, may contact the company to complain. We have determined that best, fastest method of complaint transmittal is by email, but verbal and written complaints will be processed and given the same level of consideration as email.
Guiding Principles of Effective Complaints Handling
i. Visibility – Our Complaints Handling Policy is readily available on our website.
ii. Accessibility – Our Complaints Handling Policy is readily accessible to all business partners, employees and customers. The Policy is easy to understand and includes details on making and resolving complaints.
iii. Responsiveness – When received via email, receipt of each complaint is acknowledged to the complainant immediately. Complaints will be treated courteously and kept informed of the progress of their complaint throughout the complaint-handling process.
iv. Objectivity – Each complaint is addressed in an equitable, objective and unbiased manner through the complaints-handling process.
v. Charges – There will be no charge to the complainant for making a complaint.
vi. Confidentiality – Personally identifiable information ("PII") and non-public information ("NPI") concerning the complainant is actively protected from disclosure unless the complainant expressly consents to its disclosure.
vii. Customer-focused approach – All business partners and employees are committed to efficient and fair resolution of complaints. We actively solicit feedback from our customers on a regular basis and acknowledge a customer's right to complain.
viii. Accountability – All business partners and employees accept responsibility for effective complaints handling. The Executive Officers will ensure that, where appropriate, issues raised in the complaints handling process are reflected in partner and employee performance evaluation.
ix. Continual Improvement – Our complaints handling process will be reviewed periodically to enhance its efficient delivery of effective outcomes.
Handling a Complaint
Email is the optimal method of complaint transmission. Complaints should be sent to our email address at: operations@guardiancapitalgrp.com. As noted above, complainants will immediately receive receipt of their complaint.
Complaints may also be submitted by writing or by telephone at:
Hollywood, FL 33021
Phone: (305) 676-5425
Email: operations@guardiancapitalgrp.com
What Information is Required When Making a Complaint?
When making a complaint, please provide the following information:
- 1. Your name and contact information. Please include the legal name of your business(es) along with an email address and daytime telephone number where we may reach you.
- 2. Your relationship with GCG. Please specify whether you are an applicant or current customer.
- 3. The name of your GCG contact person. Please let us know who you've been working with at the company. If you have been working with a broker, please provide the name of the broker.
- 4. The nature of your complaint. Please list the dates and a detailed description of the conduct giving rise to the complaint. After reviewing the complaint, the Compliance Officer may contact you for additional information, including supporting documentation.
Assistance with Making a Complaint
If you require assistance in formulating or lodging a complaint, please reach out to the Executive Officers at the address and telephone number provided above.
Acknowledgement of Complaints and Records Retention
We are committed to acknowledging all complaints immediately upon receipt. Once a complaint has been received, we will undertake an initial review of the complaint. We will endeavor to resolve complaints within 14 business days of receiving the complaint, but this will not be possible on all occasions. Where our review exceeds 14 business days, we will contact you to inform you of the reason for the delay, and indicate to you when we expect to be in a position to complete our review of the complaint. Records of all complaints will be retained for no less than five (5) years. Records will include all dates of our communications with the complainant including the date of initial receipt, dates of all subsequent communications, and the date of final disposition.
Your Rights During the Complaint Process
You have the right to enquire as to the status of your complaint by sending an email to operations@guardiancapitalgrp.com. Someone will respond to your inquiry within 48-72 hours.
Response to a Complaint
Once we have reviewed the complaint, we will provide you with a written response. That written response will also be provided to the Executive Officers of the firm. If you are dissatisfied with GCG's response, you have the right to ask for reconsideration of the response by the Executive Officers. Such a request should be made in writing and forwarded by email or by mail to the address provided above.