Say hello to 50 million potential customers with our lease to own programs.

Privacy Policy Statement effective 11/27/2013

This privacy policy describes how FlexShopper LLC. (“we” or “us”) collects, uses and shares information about that is captured while you use this website.

NOTE: We do not sell our products to anyone under the age of 18. If you are under the age of 18, do not register on our site.

Your Consent
By accessing or using Flexshopper.com (the “site”) or by leasing or applying to lease a product through FlexShopper, you consent to the privacy practices

How Do We Collect Information And What Information Do We Collect?
We may collect information from you including, but not limited to, when you: lease or rent any products; order, return or exchange products; contact us through our site or using a social media platform such as Facebook; sign up for emails, mobile messages or social media notifications from us; enter a contest or sweepstakes on our site; or provide comments, suggestions or other input. We may collect personal information such as your name, social security number, email address, home or work address, or telephone number(s). We may also collect demographic information such as your ZIP code, gender, preferences, interests, and favorites for business purposes including, but not limited to, developing a better understanding of our customers and improving our offerings.
We also collect certain non-personal, anonymous information about your use of our sites as well about your computer, including your IP address, the type of browser you are using, domain names, access times, and referring website addresses. We use this information for our general business operations, to maintain the quality of our services, and to provide general statistics regarding our customers’ use of the site. Except as otherwise explained in this policy, we may combine the non-personal information we collect from you with your personal information.

Cookies and Other Tracking Technology
Our website also uses "cookies" (small data files stored on your computer) and other tracking technologies to collect information about your visit to our sites. The cookies and tracking technologies we use do not capture personally-identifiable information. The information that is captured about your visit may be used in a variety of ways, such as to monitor and maintain information about your visits to our website, to help us identify and address problems with and to improve our website, to analyze web traffic trends, and to help protect the security and integrity of our website. You may set your browser not to accept cookies or to notify you when you receive cookies, giving you the opportunity to decide whether to accept cookies. If you do not accept cookies however, you will not experience a personalized visit nor will you be able to subscribe to the service offerings on the site.

We may also use pixel tags (also known as “clear gifs,” “Web beacons” or “1-by-1gifs”). These may be used in connection with certain pages of our sites or with email messages to measure the effectiveness of our communications, to compile statistics about usage and response rates, and to assist us in resolving issues that may arise on this website.

How We Use Collected Personally-Identifiable Information

We may use the personally-identifiable information we collect for the following purposes:

• to respond to your inquiries, fulfill your requests, process transactions, and facilitate collecting payments;
• to communicate to you important information regarding this website, changes to our Terms and Conditions, and/or other administrative information;
• for our business purposes, such as data analysis, audits, developing new products, enhancing our sites, improving our services, identifying usage trends and determining the effectiveness of our promotional campaigns;
• for risk control, to comply with laws and regulations and to comply with other legal process and law enforcement requirements;
• if you register a profile with us, to contact you, via the phone or email:
• to update you on the status of your order and for related product or service information; and
• for marketing purposes, such as notifying you of product discounts, website changes, company news, and promotions;
• to conduct surveys and research regarding your opinion of our current services or potential new services that we may offer; and
• to personalize your experience or to improve our website and website offerings by allowing us to customize the content and/or layout of our page based on feedback and information we receive from you.

We may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your personal information is not transferred to a third party.

How Do We Protect Your Personal Information?
We implement a variety of industry standard security measures to maintain the safety of your personal information, including encryption technologies. When you provide us with certain types of sensitive information such as financial information, we redirect you to a secure server. At our actual facilities we implement security measures to protect against the loss, misuse or alteration of information that we have collected from you at this website. Unfortunately, no security technology is completely secure, and you should remember that email is not a secure means of communication.

Do We Disclose Your Personal Information To Outside Parties?
We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties without your consent. We may disclose your personally identifiable information to trusted third parties who assist us in operating our website, processing transactions, conducting our business, or servicing you, so long as these parties agree to keep this information confidential, consistent with this privacy policy. We also may disclose this information to third parties: (1) when we have reason to believe that such disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, customers or other users of this website, or anyone else who could be harmed by such activities; or (2) to respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law, such as to comply with a subpoena or similar legal process. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Non-personal information collected at this website may be provided to third-parties for marketing, advertising, or other uses.
Vermont residents: We will not disclose information about you with affiliates or non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.
California residents: We will not share information we collect about you with affiliated or non-affiliated third parties, except in the limited circumstances permitted under state law, or if you give us your permission.
Nevada residents: If you would like more information regarding this notice or Nevada’s law regarding corporate do-not-call registries, you can contact us at the toll-free number or address included in this notice or the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101; Phone: (702)486-3132/Email: BCPINFO@ag.state.nv.us.
North Dakota residents: We will not disclose information about you with non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.

How Do You Stop Receiving Marketing And Other Communications?
As mentioned, most browsers can be configured to reject cookies or other tracking technologies or alert you when cookies are being placed on your computer. If you would like to stop receiving communications from us or to cancel your profile, log into your account, go to the Change Account Preferences page and select your information sharing and contact preferences. If you would like to cease receiving marketing emails from us, just click the unsubscribe link at the bottom of the email and you will shortly cease receiving emails from us. By electing to opt-out of information sharing, you will not receive updates on new products, services, or special offers.

Third Party Links
This website may contain links to other websites so that you may learn more about the products available through us and other matters that we feel may be of interest to you. We are providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by us of the site or any association with its operators. We have no control over the nature, content and availability of those websites, and are in no manner responsible or liable for the availability and content of the websites to which this website is linked. We make no representations whatsoever about any other site you may access through this website. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. Any concerns regarding any product or service offered by a website to which this website is linked or the link itself should be directed to the operator of that specific website and not to us.

Children’s Online Privacy Protection Act
We respect the privacy of your children, and we comply with the Children’s Online Privacy Protection Act (“COPPA”). We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen (13). You must be at least eighteen (18) years of age to obtain services from us.

Limited to Online Privacy Policy
This online privacy policy applies to information collected through our website only, and not to information collected offline.

Changes to Our Privacy Policy
We reserve the right to modify our privacy policy at any time in the future. Any changes to our privacy policy will be posted on this web page with the date of revision. We encourage you to review our privacy policy periodically.

Contact Information
We welcome your comments regarding this Privacy Policy Statement. If you have questions about this Privacy Policy Statement, please contact us at legal@FlexShopper.com.

This Agreement governs your use of this website to lease or rent any products; order, return or exchange products; and request information about our products and services (“Services”).

You must first register to access these Services and you agree to use the Services only for the purpose of submitting applications to lease or rent any products, processing orders and exchanges of products, entering into a lease-to-own agreement, and managing your account. This Agreement supplements any other agreement governing or relating to your lease or rental of any products (a "Substantive Agreement"). However, in the event of any conflict between this Agreement and any Substantive Agreement, the Substantive Agreement shall control.

This website may change from time-to-time and this Agreement will be updated to reflect such changes accordingly. Your use of the Services, as modified, constitutes your acceptance of any changes to this Agreement.

I.       The Services

A.      Submitting Applications Through Our Website.
To access our website and submit and review applications for the lease or rent of any products, you will need a working connection to the Internet via a web browser on your computer and you will be required to register an account using a current valid e-mail address (click here for information about how we rely upon your e-mail address being current and the e-mails we will send you) and by generating a password. You are responsible for all costs, expenses and fees related to your access to the Services.

We help you protect the security of your information by requiring you to authenticate your identity by way of a User ID and other factors, which may include a password, token and/or challenge questions (“Authentication Factors”). Once we have authenticated you the first time and you have set up your Authentication Factors (click here for information about our security practices), you will be able to do the following through our website each time you sign-in:

1. Review your spending limit to use online or in-store
2. Submit new applications for products and services;
3. Generate and electronically sign rental-purchase agreements for approved applications;
4. Review the status of applications you have already submitted; and
5. Perform account maintenance activities like updating your contact information.

B.      Your E-mail Address.
You agree to maintain or update the e-mail address that you provide to us when you first register for the Services. We use your e-mail address to communicate with you electronically. E-mail is not secure and you understand that there are risks associated with communicating via e-mail, including the possibility of unauthorized access, failure to receive e-mails because they have been misdirected or sent to a spam folder, and your inability to access e-mail due to power outages, hardware or software malfunctions or failures of your computer or mobile device, or matters affecting the Internet or your access to the Internet. Do not rely on e-mail if you need to contact us immediately. For security reasons, we may not be able to respond to certain e-mail requests.

C.      Authentication and Security.
We help you protect the security of your information by requiring you to authenticate your identity (i.e., prove that you are who you say you are) each and every time you sign-in to the Services. You acknowledge and agree that you should not share your sign-in credentials with any other person, and that any use of your sign-in credentials will be relied upon by us, and shall constitute your authorization to complete any transactions that are requested. You agree that if you give your sign-in credentials and access to a recognized device to another, you are authorizing that person to transact on your behalf, and you are responsible for their activity on this website. This means that you must keep your sign-in credentials personal and confidential and not disclose this information to any other person. It is a good idea to protect your security by always closing your web browser after logging out of the Services.

D.      Contacting Us About Technical Issues
You can always contact us at (855) 353-9289 or help@flexshopper.com regarding technical issues with this site.

II.      Services Limitations, Liabilities and Remedies

This section provides important information about how your use of the Services is limited, how our responsibilities are limited, any related liabilities you may incur and the available remedies you may have.

A.      Liability for Unauthorized Activity.
If you believe that your Authentication Factors or your Services have been used without your permission, you must tell us immediately. Telephoning us is the best way of keeping your possible losses to a minimum. Call us at (855) 353-9289 to report unauthorized access. If you fail to notify us, you may be liable for all unauthorized activity on your account.

B.      Timeliness of Information.
The account information you obtain through the Services is current as of the close of the previous business day.

C.      Availability of the Services.
From time to time, due to the performance of maintenance, malfunctions or failures of software, equipment, or telecommunications devices, unusual transaction volume or similar reasons the Services may not be available for your use. We minimize the periods of time during which Services are unavailable. You agree that we shall not be responsible for any loss, damages, costs or expenses which you may suffer or incur, directly or indirectly, as a result of the unavailability of the services or the server, regardless of whether it could be shown that we could have prevented or reduced the duration of such unavailability by taking any action within our reasonable control. We shall also not be responsible for any loss, damages, costs or expenses which you may suffer or incur, directly or indirectly, as a result of your inability to access the server or the Services caused directly or indirectly, in whole or in part, by your computer or mobile device, your inability to establish a connection to the Internet, your Internet Service Provider (“ISP”) or capacity or other limitations or constraints of the Internet. The Services are not intended for use by persons in any jurisdiction or country where such use would be contrary to applicable laws or regulations. We may restrict the Services during times you are in a country for which use of the Services would be prohibited.

D.      Denial of Access and Termination of the Services By Us.
We may at any time, with or without cause, and without prior notice to you deny you access to the Services. We may terminate this Agreement and your access to the Services in whole or in part at any time without prior notice to you. If there is no log-in activity associated with any of your accounts for a consecutive twelve month period, you may no longer be able to access the Services. In the event we terminate this Agreement, any applications you have submitted will continue to be evaluated, and any existing rental agreement you have with us shall remain in effect.

E.      Governing Law.
This Agreement and the Services, unless otherwise indicated in the applicable agreement, will be governed by the laws of the United States and the State of North Carolina without giving effect to any conflict of laws to the contrary.

F.      Severability and Headings.
If any terms in this Agreement change due to applicable law or is declared invalid by order of a court, the remaining terms of this Agreement will not be affected, and this Agreement will be interpreted as if the invalid terms had not been placed in this Agreement. The headings in this Agreement are intended only to help organize this Agreement.

G.      Limitation of Liability.
We have NO LIABILITY FOR CONSEQUENTIAL, REMOTE OR INDIRECT DAMAGES, for any reason whatsoever, including, but not limited to our acts or omissions, our affiliates, or agents, even if such party has been advised of the possibility thereof.

H.      Changes to This Agreement.
You agree that we may from time to time amend all or any part of this Agreement, including, without limitation, establishing, increasing or decreasing the fees and charges for the Services and adding additional features and functionality. We will notify you electronically of any change to this Agreement as required by applicable law. Your use of the Services or any additional service or services after the effective date of the change shall constitute your agreement to be bound by the terms of the change. You should also review this Agreement periodically for any changes.

I.      Credit Reporting
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

J.      Notices and Procedure for Making Claims of Copyright Infringement
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider's Designated Agent. ALL INQUIRIES IRRELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

Last Updated: November 2013