Privacy Policy

Superior Equipment Capital

1. Introduction

Superior Equipment Capital (“we,” “us,” “our,” or “Company”) is committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at superiorequipmentcapital.com (the “Website”) or use our equipment financing services.

By accessing our Website or using our services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the Website or use our services.

2. Information We Collect

2.1 Personal Information

We may collect personally identifiable information that you voluntarily provide to us, including but not limited to:

Contact Information: Name, business name, email address, phone number, mailing address
Business Information: Company details, industry type, years in business, annual revenue
Financial Information: Credit information, bank account details, tax identification numbers, financial statements
Equipment Information: Details about equipment you wish to finance, purchase price, vendor information
Employment Information: Job title, employer information, income details

2.2 Automatically Collected Information

When you visit our Website, we may automatically collect certain information, including:

Technical Data: IP address, browser type, operating system, device information
Usage Data: Pages visited, time spent on pages, click-through rates, referral sources
Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance user experience and analyze website traffic

2.3 Third-Party Information

We may receive information about you from third parties, including:

Credit bureaus and reporting agencies
Business partners and referral sources
Equipment vendors and manufacturers
Financial institutions and lenders

3. How We Use Your Information

We use the collected information for the following purposes:

3.1 Primary Business Functions

Processing and evaluating financing applications
Providing equipment financing services and customer support
Communicating with you about your applications and accounts
Conducting credit checks and risk assessments
Facilitating equipment purchases and lease agreements

3.2 Business Operations

Improving our Website and services
Analyzing user behavior and preferences
Developing new products and services
Conducting market research and analytics
Ensuring compliance with legal and regulatory requirements

3.3 Marketing and Communications

Sending promotional materials and service updates (with your consent)
Providing information about new financing options
Conducting customer surveys and feedback collection
Managing our business relationships

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 Business Partners and Service Providers

Lenders and Financial Institutions: To facilitate financing arrangements
Equipment Vendors: To complete equipment purchases and installations
Credit Agencies: For credit reporting and verification purposes
Service Providers: Third-party vendors who assist with our business operations

4.2 Legal Requirements

We may disclose your information when required by law or when we believe disclosure is necessary to:

Comply with legal obligations, court orders, or government requests
Protect our rights, property, or safety, or that of others
Investigate fraud or other illegal activities
Enforce our terms of service or other agreements

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity as part of the business transaction.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

Encryption of sensitive data during transmission and storage
Regular security assessments and updates
Access controls and authentication procedures
Employee training on data protection practices
Secure data centers and backup systems

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.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods may vary based on:

The type of information collected
Legal and regulatory requirements
Business needs and operational purposes
Your relationship status with our company

7. Your Rights and Choices

Depending on your location and applicable laws, you may have certain rights regarding your personal information:

7.1 Access and Correction

Request access to the personal information we hold about you
Request correction of inaccurate or incomplete information
Update your contact preferences and account information

7.2 Data Portability and Deletion

Request a copy of your personal information in a portable format
Request deletion of your personal information (subject to legal requirements)
Withdraw consent for certain data processing activities

7.3 Marketing Communications

You may opt out of receiving marketing communications by:

Clicking the unsubscribe link in our emails
Contacting us directly using the information provided below
Updating your preferences in your account settings

8. Cookies and Tracking Technologies

Our Website uses cookies and similar tracking technologies to:

Remember your preferences and settings
Analyze website traffic and user behavior
Provide personalized content and advertisements
Ensure website security and functionality

You can control cookie settings through your browser preferences, but disabling cookies may affect website functionality.

9. Third-Party Links and Services

Our Website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will take steps to delete such information promptly.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information during international transfers, in accordance with applicable data protection laws.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. We will notify you of any material changes by:

Posting the updated Privacy Policy on our Website
Sending email notifications to registered users
Providing notice through other communication channels

Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

13. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us

14. Regulatory Compliance

We comply with applicable federal and state privacy laws, including but not limited to:

Gramm-Leach-Bliley Act (GLBA)
Fair Credit Reporting Act (FCRA)
California Consumer Privacy Act (CCPA)
State privacy and data protection regulations

For California residents, additional privacy rights may apply under the CCPA. Please contact us for more information about your California privacy rights.