Introduction 

Nonprofit Finance Fund® (“NFF” or “we”) respects your privacy and is committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website https://nff.org and all subdomains thereof (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

• On this Website.
• In email, text, and other electronic messages between you and this Website.
• Through our third party service providers, such as our payment processors, which such information is shared with us.

It does not apply to information collected by:

• us offline or through any other means, including on any other website operated by NFF or any third party; or
• any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website, such as the information collected from our third party service providers not otherwise shared with us.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your sole choice is to not use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy).

Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children Under the Age of 13

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any information, personal or otherwise, to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or on or through any of its features or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at Nonprofit Finance Fund®, 5 Hanover Square 9th Floor, New York, NY 10004 or nff@nff.org.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

• by which you may be personally identified, such as name, postal address, e-mail address, telephone number, employer, affiliations with entities, any other identifier by which you may be contacted online or offline or other information you provide to us through the NFF Loan Inquiry feature of the Website (“personal information”);
• that is about you but individually does not identify you, such as the dates and times of your site visits, the location of your IP address, and other information provided through cookies, web beacons and other tracking technologies; and/or
• about your internet connection, the equipment you use to access our Website and usage details.

We collect this information:

• Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
• From third parties, for example, our business partners, payment processers or other third party websites which collect information about you on our behalf.

Information You Provide to Us

The information we collect on or through our Website may include:

• Information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, subscribing to our services, such as newsletters, commenting on blog posts, or requesting further services. We may also ask you for information when you contact us or report a problem with our Website.
• Records and copies of your correspondence (including email addresses), if you contact us.
• Your responses to surveys that you may choose to complete.
• Your search queries on the Website.
• Information you provide when applying for an employment opportunity at NFF on the Website.

You also may provide information to be published or displayed on public areas of the Website, or transmitted to other users of the Website or third parties (each, a “Post”). Your Posts are posted on and transmitted to others at your own risk. Although we limit access to certain pages or provide you with additional privacy options, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your Posts. Therefore, we cannot and do not guarantee that your Posts will not be viewed by unauthorized persons.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
• Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically is statistical data and does not include personal information, but we may maintain it or associate it with personal information that we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize our Website according to your individual interests.
• Speed up your searches.
• Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
• Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.
• Web Beacons. Pages of our Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit NFF, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.

Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.

Opting Out of Collection of Your Information for Tracking

Please refer to your mobile device or browser’s technical information for instructions on how to delete and disable cookies, and other tracking/recording tools. Depending on your type of device, it may not be possible to delete or disable tracking mechanisms on your mobile device. Note that disabling cookies and/or other tracking tools prevents NFF or its analytics providers from tracking your browser’s activities in relation to your use of the Website. However, doing so may disable many of the features available through the Website. If you have any questions about opting out of the collection of cookies and other tracking/recording tools, you can contact us directly at ANCOP USA Foundation Inc. Although we do our best to honor the privacy preferences of our users, we are not able to respond to Do Not Track signals from your browser or device at this time.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

• To present our Website and its contents to you.
• To provide you with information, products, or services that you request from us.
• To fulfill any other purpose for which you provide it.
• To carry out our obligations and enforce our rights arising from our Terms of Use.
• To notify you about changes to our Website or any products or services we offer or provide through it.
• To allow you to participate in interactive features on our Website.
• To comply with any applicable governmental requirements.
• To share the stories of NFF’s clients.
• In any other way we may describe when you provide the information.
• For any other purpose with your consent.

Disclosure of Your Information

We may disclose de-identified and aggregated information about our users without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

• To our subsidiaries and affiliates.
• To contractors, service providers, and other third parties we use to support our business.
• To a successor in interest in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of ANCOP USA assets, in which personal information held by ANCOP USA about our Website users is among the assets transferred.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• With your consent.

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• To enforce or apply our Terms of Use and other agreements, including for billing and collection purposes.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of ANCOP USA, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection.

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

Accessing and Correcting Your Information

You may also send us an email at info@ancopusa.org to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect. If you delete your Posts from the Website, copies of your Posts may remain viewable in cached and archived pages, or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including Posts, is governed by our ANCOP USA

Your California Privacy Rights

California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to info@ancopusa,org .

Data Security

We have implemented reasonable measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like Posts. The information you share in public areas may be viewed by any user of the Website.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you by email to the email address provided to us or through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

PRIVACY POLICY

At FrontStream Payments, we believe it is important to protect the privacy of our merchants, sales representatives, outside agents, and guests. We know that you care about how your personal information is collected, updated, used and shared. Furthermore, we want to help you make knowledgeable choices about the information you provide to us. This Privacy Policy explains and summarizes how FrontStream Payments collects, uses, and protects your personal information as you interact with us online and through our customer and technical support services. This Privacy Policy applies to FrontStream Payments, the corporate website located at http://www.frontstream.com and associated web sites owned or controlled by FrontStream Payments. This policy is intended to be global in nature. If you are visiting from outside the United States, there may be special rules or limitations on your use of this website or other FrontStream Payments operated websites. By using our website, you consent to the collection and use of your personal information by FrontStream Payments consistent with applicable data protection law and this policy.

THIS POLICY EXPLAINS

• What information FrontStream Payments gathers from you.
• How FrontStream Payments uses the personal information shared with us.
• How FrontStream Payments uses “cookies” and “IP addresses”.
• What personal information, if any, FrontStream Payments may share about you and the environment used to protect your information if it must be shared.
• The security measures FrontStream Payments takes to protect your information from accidental loss or disclosure and how FrontStream Payments will inform you in the event of a security breach.
• The circumstances under which you can access your personal information and have that information corrected, restrict FrontStream Payments’s use of that information or, even have it removed from our records.
• Other things you should know about privacy and FrontStream Payments.