Privacy Policy

Fiji Advance is a direct funder. We buy a portion of a business's future receivables at a discount, and this policy explains what happens to the information that changes hands along the way.

This policy covers fijiadvance.com, the funding application on this site, and the information you give us when you call or email us. It applies to business owners and officers who apply, to brokers and ISOs who submit files, and to anyone who reads the site without applying.

It does not cover other companies' websites you reach from a link here. Once you leave this site you are under somebody else's policy, and you should read theirs.

Information you give us

The funding application asks for the legal name of the business, any trade name, the entity type, the industry, the state it operates in, how many months it has been open, its average monthly revenue, the amount you are asking for, and what you plan to do with the money. It asks for the owner's name, email address and phone number.

It asks you to upload recent business bank statements and a photo of a government issued ID. If you send us other documents, such as a zero balance letter for a satisfied default, we hold those too. The application does not ask for a Social Security number or a taxpayer ID number, and there is no field on this website that will take one.

It also records the consents you agree to when you submit, including the wording you agreed to and when you agreed to it, because a consent record has to be reconstructable later. If you call or email us, we keep what you told us and what we told you back. A funding file is a record.

Information collected automatically

This site runs on servers that keep ordinary request logs: which pages were requested, when, and what browser and operating system the device reported. Those logs are kept by our hosting provider and by the form service that receives what you submit, and both record the IP address a request came from, which is how any web service works. We do not read those logs to identify anyone and we do not build an advertising profile from any of it.

Information from third parties

When we work a file we verify what we were told. Depending on the file, that can mean business and consumer reporting agencies, bank and identity verification services, public records, court and lien filings, and the funder behind an advance the business already carries. What we are authorized to obtain is set out in the certification you agree to when you submit the application, and in our Terms.

If a broker or ISO sends us your file, your information reaches us from them. Every broker who submits to us warrants that they have your consent to share it and to have us contact you.

We use what we collect for these purposes and no others:

• To decide whether we can fund the business, and on what terms.
• To verify that you are who you say you are and that the business is what the application says it is.
• To contact you about your application and your file, by phone, text message and email.
• To prepare, fund and service an agreement if you accept one.
• To answer a question you sent us, and to keep a record of the answer.
• To meet our legal, tax, regulatory and recordkeeping obligations, and to establish or defend legal claims.
• To detect, investigate and prevent fraud and misuse of this website.
• To operate and secure the site, including keeping automated traffic out of the application form.
• To send you marketing messages, and only where you separately agreed to receive them.

If we ever want to use your information for something outside this list, we will ask you first.

We share information where there is a reason to, and not otherwise.

• Service providers. The companies that run parts of this operation for us: website hosting, the form service that receives what you submit and passes it to us by email, and email delivery. They act on our instructions and may use what they receive only to do the work we hired them to do.
• Funding partners. Where a file calls for it, we may share it with a partner or participant in the transaction, or with the funder behind an advance the business already carries, in order to work out positions and payoffs.
• Professional advisors. Our attorneys, accountants and auditors, who are under a duty of confidentiality.
• Legal requirements. Where the law requires it, or in response to a subpoena, court order, regulator, or other lawful request from a government authority.
• Business transfers. If this business is sold, merged or reorganized, the information we hold can move with it. This policy travels with the information.

We do not sell personal information. We do not share personal information for cross-context behavioral advertising. We do not run third-party advertising trackers on this website, and we do not hand what you give us to anyone else to use for their own marketing.

We keep application information, the documents you upload and our correspondence with you for as long as we need them for the purposes described in this policy, and after that for as long as our legal, tax and recordkeeping obligations require. A funded file is kept longer than a file we declined, because a funded file is a live agreement with records attached to it.

This website does not store your application or your documents. They are passed to us through a third party form service. That service keeps the application and the files you uploaded, and sends us the application by email with a link to each file rather than the file itself. So your bank statements and your ID sit with that service until they are deleted from it, the links to them sit in our business email, and backup copies age out on their own schedule.

If you want your documents deleted sooner than that, write to admin@fijiadvance.com and say so. We will tell you what we can delete, what we are required to keep, and why.

Information you send us travels over an encrypted connection, and the form service that receives it holds it encrypted. Access to what you send is limited to the people at Fiji Advance who work a file. This website itself holds nothing: it has no database, no document store and no administrative login, so there is no store of applicants on it to break into.

No method of transmission over the internet and no method of electronic storage is completely secure. We will not tell you otherwise.

If you believe your information has been exposed, or that somebody used your details to apply, call us at (917) 816-3602 or write to admin@fijiadvance.com and tell us what happened.

Marketing messages

Marketing calls, texts and emails are optional and you can stop them at any time. Reply STOP to any marketing text message. Use the unsubscribe link at the bottom of a marketing email. Or write to admin@fijiadvance.com and ask to come off the list, and we will take you off it.

Messages about your file

Opting out of marketing does not stop messages about a file you have with us. If you have an application in front of us or an agreement in place, we still have to be able to reach you about it. Those messages end when the file does.

Correcting what we hold

If something we hold about you or the business is wrong, tell us. Write to admin@fijiadvance.com, say what is wrong and what it should say, and we will correct our records.

If you live in California, Colorado, Connecticut, Virginia, Utah, or another state with a comprehensive consumer privacy law, that law may give you the right to:

• Know what personal information we have collected about you, where we got it, why we collected it, and the categories of parties we disclosed it to.
• Get a copy of that information, in a portable form where the law requires one.
• Correct information about you that is inaccurate.
• Ask us to delete information about you.
• Opt out of the sale of personal information, of sharing it for cross-context behavioral advertising, and of certain profiling. We do not sell personal information and we do not share it for advertising, so there is nothing on this site for those two opt outs to switch off.
• Appeal a decision we make on your request, and to be told how to appeal it if we decline.
• Be free from discrimination for exercising any of these rights. We do not charge for a request and we will not treat you differently for making one.

How to make a request

Email admin@fijiadvance.com with "Privacy request" in the subject line, or call (917) 816-3602. Tell us what you want us to do and give us enough detail to find you.

We verify who you are before we act on a request, which normally means matching what you tell us against what is already in the file. An authorized agent can make a request for you, and we will ask for proof that they are authorized. Where the law requires it, we will also ask you to confirm directly that you gave the agent permission.

Much of what we hold is information about a business rather than about a person, and some of it we are required by law to keep. If we cannot act on part of your request, we will tell you which part and why.

Some browsers and browser extensions send a Global Privacy Control signal, which tells a website that the visitor is opting out of the sale of personal information and of sharing it for advertising. We honor that signal.

In practice there is nothing here for it to switch off, because we do not sell personal information and we do not share it for cross-context behavioral advertising in the first place. A browser signal cannot tell us who you are, so it has no effect on anything else in this policy. For any other request, use the contact details in section 13.

This website does not use advertising cookies, third-party analytics tags, or social media pixels.

What it does use is limited to what the site needs in order to work: storage in your own browser that keeps your place in the application while you fill it out, protection that separates automated traffic from real visitors, and a session for administrators who sign in. None of it follows you to another website.

Because none of that is used for advertising or cross-site tracking, this site does not put a consent banner in front of you. Your browser settings let you block or clear cookies and site storage. If you clear them while an application is open, you will lose what you had typed into it.

This site is for businesses. Nothing on it is directed at children, and we do not knowingly collect personal information from anyone under 18. If you believe a child has given us information, write to admin@fijiadvance.com and we will delete it.

We update this policy when what we do changes, or when the law changes. The date at the top of the page is the date the current version took effect.

If a change materially affects how we handle information you have already given us, we will tell the people affected directly rather than only posting a new date. Using the site after a change means the version posted here is the one that applies.

Questions, requests and complaints about this policy all go to the same place.

Put "Privacy" in the subject line so it gets routed to the right person.