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C2FO Powers Early Payment Programs for the World’s Largest Companies.
Discover expert insights on working capital, cash flow optimization, supply chain management and more.
We believe all businesses can and should have equitable access to low-cost, convenient capital to grow and thrive.
Last Updated Date: May 1, 2024
We and our affiliates are deeply committed to protecting your privacy. This Privacy Policy (this “Policy”) governs the manner in which Pollen, Inc. (together with its affiliates, “C2FO”) collects, uses, maintains and discloses information collected from users (each, a “User”) of the www.c2fo.com website (“Site”) and the underlying C2FO service. This Policy also describes the choices available to each User regarding our use of Personal Information and how a User can access and update this information.
Personal Information we collect stays with C2FO and its trusted partners. Any company or Personal Information collected by C2FO will only be used by C2FO to improve the User’s experience. This Policy describes how C2FO collects, uses, shares, and secures the Personal Information each User provides.
Collection of Personal Information
Personal Information or Personal Information refers to any information relating to an identified or identifiable natural person.
We collect Personal Information from Users in a variety of ways, including, but not limited to:
Users may be asked for, as appropriate, name, email address, and/or phone number. Users may, however, visit our Site anonymously. We may collect all or some of the following information: name, email address, phone number, company name, title, department, country, and/or industry. We will collect Personal Information from Users only if they voluntarily submit such information to us. Users can always refuse to supply Personal Information, except that it may prevent them from engaging in certain Site related activities.
Use of Cookies
C2FO, our analytics or service providers, and our third-party partners use cookies or similar tracking technologies. These technologies are used in analyzing trends, administering the Site, tracking users’ movements around the Site, and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
We use cookies to remember Users’ settings (e.g. language preference) and testing. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Site, but your ability to use some features or areas of the Site may be limited.
Automated Data Collection
We gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We perform analytics to improve Site functionality.
Social Media Features and Privacy
Our website includes Social Media Features, such as showing a Twitter feed. These features may collect your IP address, which page you are visiting on our Site, and may set a cookie to enable the Feature to function properly. Social Media Features are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.
Third Party Content & Links
Users may find advertising or other content on our Site that links to the sites and services of our partners, suppliers, advertisers, sponsors, licensors, and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.
Blog Privacy
Our website offers publicly accessible blogs. To request removal of your Personal Information from our blog contact us at [email protected]. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why.
Testimonial Privacy
We display personal testimonials of satisfied customers on our Site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at [email protected].
Third Party Personal Information
You may provide Personal Information about other people, such as their name, email address, phone number, and job title. When you provide us with Personal Information about your contacts we will only use this information for the specific reason for which it is provided. If you believe that one of your contacts has provided us with your Personal Information and you would like to request that it be removed from our database, please contact us at [email protected].
Collection of Information
C2FO collects information under the direction of its Clients, and may not have a direct relationship with the individuals whose Personal Information it processes.
Use of Collected Information
C2FO may collect and use Users’ Personal Information for the following purposes:
We may use the email address to respond to inquiries, questions, and/or other requests. If a User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future marketing emails, we include detailed unsubscribe instructions at the bottom of each email also in addition to providing the ability to unsubscribe within their profile settings.
Sharing of Collected Information
We do not sell, trade, or rent Users’ Personal Identification Information to others. We may share aggregated information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes in accordance with this Policy.
We may disclose your Personal Information as required by law such as to comply with a subpoena or similar legal process. We may also disclose when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
C2FO may transfer Personal Information to companies that help us provide our services. Transfers to subsequent third parties are covered by the provisions in this Policy regarding notice and choice and the service agreements with our Clients.
Additional Disclosures of Personal Information
Service Providers: We work with third-party service providers to provide website and application development, hosting, maintenance, backup, storage, virtual infrastructure, payment processing, analysis, and other services for us, which may require them to access or use information about you. If a service provider needs to access information about you to perform services on our behalf, they do so under close instruction from us, including this Policy, and other policies and procedures designed to protect your information.
C2FO Partners: We work with third parties who provide consulting, sales, and technical services to deliver and implement customer solutions around the Services. We may share your information with these third parties in connection with their services.
Legal Requirements
In exceptional circumstances, we may share information about you with a third party if we believe that sharing is reasonably necessary to (a) comply with any applicable law, regulation, legal process or governmental request, including to meet national security requirements; (b) enforce our agreements, policies and terms of service; (c) protect the security or integrity of our products and services; (d) protect C2FO, our customers or the public from harm or illegal activities, or (e) respond to an emergency which we believe in good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person.
If C2FO is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information.
Legal Basis for Processing Personal Information
Our legal basis for collecting and using the Personal Information described above will depend on the Personal Information concerned and the specific context in which we collect it.
However, we will normally collect Personal Information from you only where:
If you have questions about or need further information concerning the legal basis on which we collect and use your Personal Information, please contact us using the contact information provided below.
Amending and Correcting Personal Information
You have the following data protection rights:
To exercise any of these rights including our websites and product or services, please email [email protected].
Please note that to protect Personal Information, we may verify your identity by a method appropriate to the type of request you are making. Depending on where you reside, you may be entitled to empower an “authorized agent” to submit requests on your behalf. We will require authorized agents to confirm their identity and authority, in accordance with applicable laws. You are entitled to exercise the rights described above free from discrimination.
We will respond to your request to change, correct, or delete your data within a reasonable timeframe and notify you of the action we have taken. In some instances, your rights may be limited, such as where fulfilling your request would impair the rights of others, our ability to provide a service you have requested, or our ability to comply with our legal obligations and enforce our legal rights.
We partner with a third party to display advertising on our website, or to manage our advertising on other sites. Our third party partner may use cookies or similar technologies in order to provide you advertising based upon your browsing activities and interests. If you wish to opt out of interest-based advertising click here [or if located in the European Union click here]. Please note you will continue to receive generic ads.
We collect information for our clients. If you are a customer of one of our clients and would no longer like to be contacted by one of our clients that use our service, please contact the client that you interact with directly.
International Transfers of Data
C2FO uses a variety of legal mechanisms to safeguard the international transfer of data, including Standard Contractual Clauses, as well as additional safeguards where appropriate. For transfers to or from the United Kingdom, we make use of the UK Addendum. For transfers from Canada, we make use of the standard contractual clauses. With respect to Personal Information received from or transferred to Canada, C2FO is subject to the regulatory enforcement powers of the Office of the Privacy Commissioner of Canada. Please contact us if you need more information about the legal mechanisms we rely on to transfer Personal Information outside the EEA, Switzerland, Canada, and UK.
Data/Information Retention
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account please review https://c2fo.com/terms-conditions. We will retain and use your information to the extent necessary and permissible under applicable law to comply with our legal obligations, resolve disputes, and enforce our agreements.
Data/Information Controlled by our Clients
C2FO acknowledges that you have the right to know the Personal Information we have about you. C2FO may have no direct relationship with the individuals whose Personal Information it processes. An individual who seeks to correct, amend, or delete inaccurate data should direct their query to C2FO’s Client (the data controller). If the Client requests C2FO to remove the data, we will respond to their request within a reasonable timeframe.
Protection of Information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your Personal Information, username, password, transaction information and data stored on our Site. Sensitive and private data exchange between the Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures. However, no method of transmission over the internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. If you have any questions about the security of your Personal Information, you can contact us at [email protected].
Personal Information Retention
We retain your Personal Information for the duration of our relationship and for as long as you utilize our services through our Site. After the conclusion of our relationship, your data will be retained according to the provision of the law to comply with legal obligations and to safeguard our legal interests. However, we may retain data for a longer period if required by law or permitted by other contractual arrangements. If you wish to request the deletion of your data prior to the end of the retention period, please reach out to us at [email protected].
Miscellaneous
Governing Language
This Policy is entered into in the English language. Any translation prepared for any reason shall be a non-binding accommodation of no legal effect, and the English version of this Policy shall govern. All communications with respect to this Policy shall be in the English language. Without limiting the generality of this provision, User acknowledges that: (i) it shall not assert any claim based upon any translation or any discrepancy or purported discrepancy between such translation and this English-language version of this Policy; and (ii) any such translation shall not be used to interpret this Policy. The English language version of this document is available here: https://www.c2fo.com/privacy
Changes to Privacy Policy
C2FO has the discretion to update this Policy at any time. If we make any material change in how we use your Personal Information we will notify you by means of a notice on our Site. We encourage you to periodically review this page for the latest information on our privacy practices.
Privacy of Children
We do not knowingly collect information on children, under the age of 13, 14, or 16, respective of the region you live in. If you believe a person who is underage has signed up for our services, please contact us at [email protected].
Acceptance of Terms
By using this Site, you signify your acceptance of this Policy. If you do not agree to this Policy, please do not use our Site. Your continued use of the Site following the posting of changes to this Policy will be deemed your acceptance of those changes.
Contacting C2FO
If you have any questions about this Policy, the practices of this Site, or your dealings with this Site, please contact us at:
Pollen, Inc.
Attn: Legal Notice 2020 W 89 St, Suite 200 Leawood, KS 66206 888.980.9025
Or email us at: [email protected]
with a copy to our Data Privacy Officer: DPO@c2fo.com