Cooleet Collect policies

Cookies policy

Use of cookies

By using this Site, you consent to us using these Cookies for the purposes listed.

What are they?

Cookies are harmless text files that web servers can store on your computer’s hard drive when you visit a website. Cookies enable users to navigate around websites, record which areas of the website have been visited and for how long and (where appropriate) enable us to tailor the content to fit the needs of visitors who have accessed the website.

Why do we use cookies?

We use Cookies for the following purposes:

  • to monitor and manage Site traffic;
  • if required as a matter of law or regulation, to protect our or our other customers’ rights;
  • for login purposes;
  • to enable us to remember preferences, track visitors and target adverts; and
  • to make the browsing experience on the Site more efficient and enjoyable.

We use both our own (first-party) and partner companies’ (third-party) cookies to support these activities.

Allowing us to create a Cookie does not allow us to access your computer and we do not use Cookies to track your Internet usage after you leave the Site.

Can you opt out from permitting cookies?

Most Web browsers are initially configured to accept cookies, but you can change this setting so your browser either refuses all cookies or informs you when a cookie is being sent. Also, you are free to delete any existing cookies at any time. Please note that some features of the Services may not function properly when cookies are disabled or removed.

You can find more information about cookies at: www.allaboutcookies.org

Privacy policy

 

Cooleet Inc. (“Cooleet”) respects your rights to privacy. Your ability to make informed choices about the use of your information is important to us and this Privacy Policy informs you of our privacy practices and of the choices you can make about the way your information is collected online and how that information is used.  Because Data is our cornerstone, privacy and data protection are fundamental values of our business.

The Privacy Policy also sets out how you can contact us if you have any queries or concerns about this information. Capitalized terms that have not been defined have the meaning given to them in our Terms of Use, which are always available in this page (“TOU” policy tab).

Consent

By communicating or dealing with Cooleet, including by entering any data on the Site, you hereby consent that the information you provide is and will be collected, stored, used and disclosed by us in accordance with our Privacy Policy.

What do we collect?

We may collect any information that can be directly associated with a specific person, such as gender, birth date, marital status, professional experience, education, or credit card information.

 

We collect such Personal Information that you provide us in order for us to provide you with our Services. This Personal Information may include: your full name, email, phone number, marketplace store name, marketplace store ID number, details regarding your marketplace accounts including sale volumes and associated accounts, sales information, or additional documentation as part of an application or as you may submit to us.

 

We also receive information from Lenders regarding your loan application or loan. Such information may include whether or not a loan has been approved, the amount of the loan, the date in which the loan is granted and additional information regarding the loan.

We also collect Personal Information when you contact us for any reason. It is your voluntary decision whether to provide us with any such Personal Information, but if you refuse to provide such information we may not be able to register you to use the Services or your use of the Services may be limited. To the extent that you provide Personal Information about individuals other than yourself, you certify that you have obtained their consent to the collection and use (including transfer and disclosure) of that Personal Information consistent with this Privacy Policy and, for any individuals not legally competent to give consent, you consent on their behalf and confirm that you have the authority to do so.

In addition, when you use the Site, certain information may be automatically gathered about your computer, browser, operating system, IP address or mobile device (please see our “Cookies Policy” tab in this page  for more details)

How we Protect Information

We make efforts to follow generally accepted industry standards to protect information, both during transmission and once we receive it, including by keeping your information secure in a combination of secure computer storage, hard copy files and other records, as well as regularly review, the standards we use to ensure protection from unauthorized disclosure, use, alteration or destruction. Despite all the measures we take we cannot guarantee its absolute security as no method of electronic storage is 100% secure.

All personal information provided to us by a user will be deleted upon the receipt of a written request by such user. Please be aware that such deleted information cannot be restored.

How we Use Information

We may provide your details to third party lenders signed up to Cooleet We are not a financial institution, loan provider or other funding provider.

If so requested we will provide third party lenders your details. If you are found eligible for a business loan you will be responsible to accept the terms of the lender you engage with and will complete the process with them directly. We are not responsible for the lending or any errors in the content you provide to us.

Your information may be used internally for different uses including but not limited to personalize our offering to you. help diagnose problems with our servers, to make our Site or Services more useful, or to customize our Site or Services and personalize their content for you.

We may offer third party products or services on our website. You can tell when a third party is involved in a product or service because their name will appear, either alone or with ours. If you choose to use these products or services, we may share information about you, including your personal information, with those partners. Please note that we do not control the privacy practices of these third party business partners. If you wish to no longer allow that third party to use your information, please contact that third party directly.

If you were referred to our Site from another website (for example, through a link), we may share some information about you with that referring website. We encourage you to review the privacy policies of any website that referred you here. Additionally, when you link to one of our partners from our Site, we provide that partner with a unique identifier so they know that you were referred from our Site. This unique identifier will not contain any of your Personal Information.

By analyzing all information we receive, including all information concerning users, we may compile statistical information across a variety of users (“Statistical Information”). Statistical Information helps understand trends and user needs so that new products and services can be considered and so existing products and services can be tailored to user desires. Statistical Information does not indicate individuals’ identities, and we will not link Statistical Information to any Personal Information. We may share Statistical Information with our partners, without restriction, on commercial terms that we can determine in our sole discretion.

We may lawfully disclose information you submitted for purposes other than those purposes for which it was collected and described herein in certain circumstances, including where you would reasonably expect us to disclose the information for that purpose. We can (and you authorize us to) disclose any information about you as we, in our sole discretion, reasonably believe necessary or as otherwise permitted by applicable laws, including when disclosure is required or authorized by or under a competent court, tribunal or regulatory entity’s order to take appropriate action where we have reason to suspect that unlawful activity, or for one or more enforcement related activities conducted by, or on behalf of, an enforcement body.

Except as specifically set forth in this Privacy Policy, we will not share your personal information with any third parties without receiving your explicit permission.

Online Links to Other Sites

You can link to the websites of third parties that provide useful information/services. Any personal information you provide on the linked pages is provided directly to this third party and is subject to this third party’s provider’s privacy policy. We advise you check these privacy policies. We do not have access to the information collected by those third party websites or by our partners. Except as described in this Privacy Policy, we are not responsible for the content or privacy practices of third party websites to which we or our partners link.

We may connect with you, regarding the Services via Facebook or another third party platform (“Third Party Platform”). By agreeing to connect with us through a Third Party Platform you are authorizing us to collect, store, and use, in accordance with this Privacy Policy, any and all information that you agreed that the Platform could provide to us, in connection with the Services, based on your Third Party Platform settings. Your agreement takes place when you connect with us via your Third Party Platform account.

Children

By using this site you certify that you are at least 18 years of age in order to use the Site. We do not knowingly collect personally identifiable information from anyone who is under the age of 13. Should you detect that someone under 13 has been using our site please notify us.

Correcting or Updating your Information.

You have the right and we enable you at your request to review the information you provided during registration and to alter any data, inaccuracies or errors that are saved. To request such access, or correct, update, or amend your personal information please contact us at; info@cooleet.com or by phone at +1-609-318-3126. You can also contact us by post at 60 Broad St suite 3502, NY, NY 10004. We will retain your information for as long as your account is active or as needed to provide you Services, and additionally as long as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. If you wish to request that we no longer use your information, please contact us.

Communications

We may send you email, text and social media messages (including but not limited to Facebook or Twitter), or contact you via telephone calls or direct mail. By using this site and accepting the TOU, you hereby consent to receive commercial messages on an on-going basis throughout your use of the Site. You have the right to elect to have your personal information and contact details removed from our mailing list and stop receiving future communication from us by clicking on the unsubscribe link located on each communication sent or by contacting us at support@cooleet.com. You will also be given the opportunity to unsubscribe from commercial messages in any such email we send. Please note that we reserve the right to send you service related communications, including service announcements and administrative messages, relating to your transactions on this Site or Services, without offering you the opportunity to opt out of receiving them unless you cancel your account. Please note that you may still receive information from third parties to whom Cooleet may have disclosed your information to prior to your opt-out. If you no longer wish to receive information from such third party, please contact them directly.
We may contact you via phone call, voicemail, email or media messages regarding the Site. We may contact you by the telephone number you provided us even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list. If you would rather not receive telephone calls from us, you may change or delete your number from your account preferences page(s), or ask to be removed from our contact list if you receive a call from us.

Other Uses or Transfer of Your Information

We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity, behavior or digital content of any user suspected to have engaged in illegal activity.

We may use subcontractors that are located in countries other than your own, and send information we receive. All our subcontractors will be subject to non-disclosure and non-use obligations. Nevertheless, some countries may have levels of protection of personal and other information which are not as high as in your country of residence or business. We may transfer our databases containing your Personal Information if we sell our business or part of it.

Changes

We update this Privacy Policy from time to time and such updates will be available here. At times you will be notified of new updates and we recommend you to review it from time to time.

Comments, Questions, suggestions, or Complaints – please contact us at info@cooleet.com.

Last updated: 01/23/2019

TOU

Terms of Use

Thank you for visiting the website located at  https://www.cooleet.com(“Site“) of Cooleet Inc. (“We “, “us”, or “Cooleet“). Please carefully read these terms of use (“Terms“ or “TOU”) as well as our privacy policy, which we may update from time to time, a current version of which is available here (“Privacy Policy“). We provide value added services meant to connect small marketplace sellers with loan providers, as further described at https://www.cooleet.com(together with the Site, the “Services“). By accessing the Site or using our Services, you thereby agree to the Terms and Privacy Policy. “You” means a user of the Site and/or Services. If you do not agree to the Terms and Privacy Policy, you should exit our Site and not use or review any of the information that is posted on the Site and not apply for or use our Services.

We may revise the Terms at any time without notice by updating this Site. All updates to the Terms will be posted on this page. You are bound by any revisions or updates. You should periodically visit these Terms to review the current terms that apply to your use of our Site or Services. Any use of the Site or Services by you after publication of any such changes shall constitute your acceptance of these Terms as modified. We may, at our sole discretion and at any time, discontinue providing the Site or Services or any part thereof without notice.

Use of and access to the Site or Services is void where prohibited by law. By using the Site or Services, you represent and warrant that (a) any and all information you submit is truthful and accurate; (b) you are of a legal age to form a binding contract to receive a loan; (c) your use of the Site or Services does not violate any applicable law or regulation or any obligation; and (d) your use of the Site or Services is for a bona fide business purpose.

Please note that we are not a government agency, government organization, or financial institution. We are a company providing value added services meant to connect small marketplace sellers with loan providers. We may receive a referral fee from loan providers for providing the connection between you and the fund providers. The Service does not necessarily include all fund providers or all types of products available in the marketplace. We can’t guarantee to you will be matched or be given an offer, nor that your matches will be the best possible rates and terms available in the market.

Please note that generally you, either on your own or through an independent third party, as required by applicable law, can apply for small-medium business loans without the use of the Services directly with a small-medium business loan provider.

By using the Site or Services to assist your self-representation, you agree to the following terms. You are representing yourself and/or the entity you are authorized to represent in this business matter. No attorney-client or other professional privilege is created with Cooleet. You have been fully informed of the Services that Cooleet is performing. No governmental entity or authority has evaluated or approved Cooleet’s knowledge or experience, or the quality of Cooleet’s Services.

Please note that you may obtain information regarding small-medium business loans from a professional business consultant, financial institution or other funding provider. Cooleet is not permitted to provide you the actual loan or any kind of advice, explanation, opinion, or recommendation about possible financial or legal rights, remedies, defenses, options, selection of forms or strategies.

COOLEET DOES NOT GUARANTEE THAT YOU WILL RECEIVE A LOAN FROM ANY PROVIDER. 

No information on the Site is to be construed as financial product advice or a recommendation, to buy or sell any financial product. The Services provided by Cooleet does not constitute an offer, invitation, solicitation or recommendation in relation to the subscription, purchase or sale of financial products.

Application Services

We shall provide (1) preliminary loan assessment services on behalf of our trusted third party lenders (the “Lender(s)”) using the information provided by you through the pre-qualification questioner completed by you for the grant of such small-medium business loan (“ Prequalification Criteria”). The pre-qualification questioner may request information including but not limited to business name and address, amount and intended purpose of funding sought, certain financial information and documents regarding the business, and certain information and documents regarding your business, especially as it relates to your sales on third party marketplaces (“Application Information”); (2) additional Services (“Additional Services“) designed to improve your credit score or otherwise improve the attractiveness of your loan application. Such services may include access to Cooleets’ internal score generated using its internal ranking system (“CoolScore“). The CoolScore shall be offered at the discretion of Cooleet.

You agree to provide true, accurate, current and complete Application Information. We are not responsible for any Service-related issues arising from your failure to provide true, accurate, current and complete Application Information. If we determine, in our sole discretion, that you have failed to do so, we may suspend or terminate your access to the Site and Service. If, based on our Prequalification Criteria and at our sole discretion you are found eligible, we will forward your Application Information to Lenders. By providing the Application Information to us, you authorize us to furnish the Lender with your Application Information on your behalf and, if necessary, verify certain fields of your Application Information. You may be found eligible for a business loan by several Lenders. In case you have been found eligible by several Lenders, your authorization to share your Application Information will apply to each Lender you have chosen to complete the application process with, as described in this paragraph.

Your receipt of the loan from the Lender is subject to a separate agreement between you and the Lender. You acknowledge and agree that Cooleet has no role in the Lender’s decision to provide or not provide funding to you, and that Cooleet provides the Application Information to the Lender on your behalf.

You authorize us to use the Application Information for all purposes related to the Service, and to have continued access to your Application Information, provided that such access shall be used solely for the purpose of providing the Service to you.

Lenders may require you to provide bank statements in order to complete their assessment process regarding your request (“the Statements”). You may be able to choose to (1) Share your Statements with the Lender(s) through the options provided on their respective website(s); or (2) use the third party service through our website which will enable us and the Lender(s) to retrieve your Statements (some Lenders may enable you to use the third party service on their respective websites). By using the third party service, you represent and warrant that you have taken all the required steps with your bank in order to authorize the third party service or similar applicable third parties to obtain access to your bank account(s). If you choose to use the third party service on our website, you will be asked to enter your online banking credentials. These credentials will not be stored or used by us. To learn more about the third party service, please visit their website. To view the third party service’s privacy policy, click here. The Statements may be retained and shared by us with the Lender(s) or sent directly to the Lender(s), based on the contractual relationship between the third party service and the Lender(s). Please note that some Lenders may require a separate process of obtaining your Statements as part of their authorization process, even if such Statements have been provided by one of the options mentioned in this paragraph.

Additional Services

We may offer you additional services (“Additional Services”), from time to time, including but not limited to: providing additional written or oral information regarding financial conduct, providing monthly updates regarding financial issues and so on.

The Additional Services will be provided in accordance with the Terms and the Privacy Policy. Specific terms may apply for each one of the Additional Services and will be stipulated alongside such Additional Service.

Intellectual Property

Cooleet and its licensors own the Site or Services, as well as the materials provided on this Site or Services, including all worldwide intellectual property rights in the Site or Services, and the trademarks, service marks, and logos contained therein. Except as expressly permitted herein, you may not copy, further modify, adapt, duplicate, distribute, display, perform, sublicense, republish, retransmit, reproduce, create derivative works of, transfer, sell or otherwise use the Site or Services or any content appearing in the Site or Services. You will not remove, alter or conceal any copyright, trademark, service mark or other proprietary rights notices incorporated in the Site or Services. All trademarks are trademarks or registered trademarks of their respective owners. Nothing in these Terms grant you any right to use any trademark, service mark, logo, or trade name of Cooleet or any third party. Unauthorized use constitutes copyright and/or trademark infringement and may be prosecuted.

You may not, or attempt to; (a) decipher, decompile, disassemble, or reverse-engineer any of the software used to provide the Site or Services; (b) circumvent, disable, or otherwise interfere with security-related features of the Site or Services or features that prevent or restrict use or copying of any content; (c) use any robot, spider, site search or retrieval service, or any other manual or automatic device or process to retrieve, index, data-mine, or in any way reproduce or circumvent the navigational structure or presentation of the Site or Services; or (d) harvest, collect or mine information about users of the Site or Services.

Pricing and Fees

We do not charge you any fee for the Service. We may charge fees for certain Additional Services, as specified in the applicable Additional Service sign-up page. Cooleet does not control a Lender’s terms, and a Lender’s funding terms and conditions are entirely and solely within the Lender’s discretion.

No refunds are issued for any reason for Additional Services. All Services are provided as-is without any guarantee. By purchasing any Additional Service, you are confirming that you have read and understand our no refunds policy. You further agree that you will not make or attempt to make any chargebacks.

Disclaimers & Disclaimer of Warranty

Cooleet is not a financial consultant or institution and neither Cooleet nor any of its employees provide legal or financial services or advice of any sort. Furthermore, no representations or warranties express or implied, are given regarding the legal, financial or other consequences resulting from the use of our Site or Services or the forms provided therein. Cooleet does not guarantee or assume any responsibility for any service advertised or offered by any third party service relating to either Cooleet or any funding provider. Cooleet makes no guarantee as to the number of funding providers with whom you may be matched using the Service, nor does Cooleet guarantee that you will be able to obtain business funding in any amount using the Service, including from any funding provider for whom your verified information provisionally prequalifies you for such funding. Cooleet does not guarantee that using the Additional Services will improve your credit score and/or other factor such as: sales, cash flow management etc., and/or the offers you receive from funding providers. You understand and agree that Cooleet is neither a funding provider nor a financial advisor, and nothing on this site is intended to be a substitute for professional financial advice.

Your use of the Site or Services is at your sole discretion and risk. The Site and Services are provided on an “AS-IS” and “AS AVAILABLE” basis without warranties of any kind from Cooleeet. COOLEET EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO THE SITE OR SERVICES, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. COOLEET DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED, (I) REGARDING THE SECURITY, ACCURACY, RELIABILITY, TIMELINESS AND PERFORMANCE OF THE SITE OR SERVICES; OR (II) THAT THE SITE OR SERVICES WILL BE ERROR-FREE OR THAT ANY ERRORS WILL BE CORRECTED; OR (III) REGARDING THE PERFORMANCE OF OR ACCURACY, QUALITY, CURRENCY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED BY THE SITE OR SERVICES. COOLEET MAKES NO COMMITMENT TO UPDATE THE INFORMATION CONTAINED IN THE SITE OR SERVICES.
COOLEET DOES NOT WARRANT THAT ANY ESTIMATION OR DESCRIPTION PROVIDED THROUGH THE SERVICES IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. COOLEET CANNOT AND DOES NOT ACCEPT ANY LIABILITY FOR ANY RELIANCE BY YOU ON SUCH INFORMATION. We reserve the right to correct any errors, inaccuracies or omissions and to change or update the content at any time without prior notice (including after you have submitted Application Information to us).

No advice or information, whether oral or written, obtained by you from Cooleet, or any third party on behalf of Cooleet, shall create any warranty not expressly stated in these Terms. If you choose to rely on such information, you do so solely at your own risk. Some states or jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above exclusions may not apply to you.

Limitation of Liability

IN NO EVENT SHALL COOLEET OR ANY OF ITS AFFILIATES, SUBSIDIARIES, PARTNERS OR THEIR OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES OR ANY CONTENT INCLUDED ON THE SITE (INCLUDING ADVERTISEMENTS), INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH THE SITE OR SERVICES, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT COOLEET HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

IN NO EVENT SHALL THE AGGREGATE LIABILITY OF COOLEET FOR ANY AND ALL DAMAGES ARISING UNDER THESE TERMS OF USE OR OUT OF YOUR USE, OR INABILITY TO USE, THE SITE OR THE SERVICE, EXCEED THE TOTAL AMOUNT OF USD 1,000.

YOU AGREE THAT ANY CAUSE OF ACTION THAT YOU MAY HAVE ARISING OUT OF OR RELATED TO THE SITE OR SERVICE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CUASE OF ACTION ACCURES, OTHERWISE – SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

Indemnification

You agree to indemnify, defend, and hold harmless COOLEET and its respective employees, directors, officers, subcontractors and agents of each, against any and all claims, damages, or costs or expenses (including court costs and attorneys’ fees) that arise directly or indirectly from: (a) breach of these Terms by you; (b) any claim, loss or damage experienced from your use or attempted use of (or inability to use) the Site or Services, including any transactions that you conduct or attempt; (c) your violation of any law or regulation; (d) your infringement of any right of any third party; and (e) any other matter for which you are responsible hereunder or under law. You agree that your use of the Site or Services, including, without limitation, provision of services in connection with the Site shall be in compliance with all applicable laws, regulations and guidelines and shall not be intended to damage, disable, overload or impair the Site or the servers on which it is hosted.

Links

Portions of the Site (including, without limitation, advertisements) may involve linking to or using web sites belonging to third parties. The Site may also provide you with links to access the websites of third party vendors or retailers. We have no control over third-party sites, and all use of third-party sites is at your own risk. Additionally, Cooleet cannot accept responsibility for any payments processed or submitted through such third party sites, or for the privacy policies of any such sites. Cooleet is not responsible for content available by means of such sites. Cooleet does not endorse any products offered by third parties and we urge our users to exercise caution in using third-party sites.

Miscellaneous

These Terms shall be governed by the law of the State of New York, exclusive of its choice of law rules. Your conduct may also be subject to other local, state, and national laws. Any action to be brought in connection with these Terms or the Application shall be brought exclusively in the courts in New York, NY , and you irrevocably consent to their jurisdiction. Any cause of action against Cooleet must be brought within one (1) year of the date such cause of action arose. If any provision of these Terms is held to be unenforceable, such provision shall be replaced with an enforceable provision which most closely achieves the effect of the original provision, and the remaining terms of these Terms shall remain in full force and effect. Nothing in these Terms creates any agency, employment, joint venture, or partnership relationship between you and Cooleet or authorizes you to act on behalf of Cooleet. Except as may be expressly stated in these Terms, these Terms constitute the entire agreement between Cooleet and you pertaining to the subject matter hereof, and any and all other agreements existing between us relating thereto are hereby canceled. We may assign our rights and obligations hereunder to any third party without prior notice. You shall not assign any of your rights or obligations hereunder, and any assignment in violation of the foregoing shall be void. No waiver of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. If we are required to provide notice to you hereunder, we may provide such notice to the email account that you provided to us.

Last updated: 01/20/2019