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Privacy Policy

In addition to reviewing this privacy policy (the “Policy”), you should also review our Terms & Conditions which is incorporated by reference into this Policy. Your use of the Site and the Services constitutes your agreement to its terms and conditions.

The Security of the Site
We maintain physical, electronic, and procedural safeguards and personnel policies, consistent with applicable laws that are designed to guard the Site, our systems and Information provided by our users. Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure. In the event of a breach of the confidentiality or security of your Personal Information, we will reasonably attempt to notify you as necessary so you can take appropriate protective steps. Unless you indicate otherwise, we may notify you under such circumstances using your most current email address on record with us. 

Electronic Communications
When you visit the Site or send e-mails or chats to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail, chat or phone or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically or posted on the Site satisfy any legal requirement that such communications be in writing if such requirements are applicable.

Data Collection
If you wish to register and use our Services, you will need to provide us with certain information, including information about your identity, your employer’s identity and other information required to apply for the Services. You will also be provided a user ID and a password to protect your account information. With your further permission, we may also request additional information from you, obtain a credit report, view invoicing history or collect other third party data about your company. Except as noted in this Policy, invoiceXcel does not sell, share, or in any other way transmit information submitted by you to any other persons or companies.

When you submit an online “contact us” or other online inquiry form, or when you call, write, fax or otherwise initiate contact with invoiceXcel, we record your contact information (name, address, phone number, and email address) in our CRM (Customer Relationship Management) system. This information is used for answering your questions as well as for ongoing marketing communication programs to you.

We may also collect certain information automatically, such as the type of computer or mobile device you use, your unique device ID, the IP address of your computer mobile device, and other information. We use your personally identifiable information to verify your identity and send you messages about your transactions or our company.

Data Sharing
Personally identifiable information we collect may be shared with third party financial institutions, service providers and referral partners under contract with invoiceXcel who help with parts of our business operations including but not limited to funding, fraud prevention, payment processing, marketing, and technology services. Our contracts dictate that these third party financial institutions, service providers and referral partners only use your information in connection with the services they perform for us and not for their own benefit. We may disclose your personally identifiable information to law enforcement, government officials, or other third parties when:

  • We are compelled to do so by a subpoena, court order or similar legal procedure
  • We need to do so to comply with applicable law
  • We believe in good faith that the disclosure of personally identifiable information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of this Policy or the Terms
  • You request or provide specific permission to share such information

In our efforts to continually improve our service offerings, we collect and analyze demographic and profile data about our users. This includes, but is not limited to, activity from companies utilizing the Site. We identify and use your IP address to help diagnose problems with our servers, and to administer the Site. Your IP address, along with cookies, may be used to help identify you and gather basic information. We may create anonymous records from personally identifiable information by excluding information (such as your name and company) that makes the information personally identifiable. We may use this anonymous information to direct future development, including but not limited to analyzing usage patterns so that we may enhance our services, and providing reports based on anonymous non-personally identifiable information. We reserve the right to use and disclose anonymous information to third parties, at our discretion.

Data Retention
We will retain personally identifiable information for as long as you remain an active user of the Site, and for a reasonable time thereafter or as required by law. We may retain anonymized and aggregate data indefinitely.

General
invoiceXcel may revise this Policy at any time by updating this page on the Site and in such event your continued use of the Site shall constitute your acceptance of such updated Policy. Accordingly, you should visit this page from time to time to review the then-current Policy because it is binding on you. Certain provisions of this Policy may be superseded by expressly designated legal notices or terms located on particular pages at the Site.

You may contact invoiceXcel at Raistone Capital, LLC at Address:
360 Madison Ave 22nd Floor New York, NY 10017

Your California Privacy Rights
This section applies to any California residents about whom we have collected personal information from any source, including through your use of our Site, by using our Services, or by communicating with us electronically, in paper correspondence, or in person (collectively, “you”). For purposes of this section only, “personal information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California consumer/resident or household. Personal information does not include publicly available information or information that has been de-identified.

A. What Information We Collect
We may collect the following categories of personal information about you:

  • Identifiers, which may include real name and alias; mailing address; unique personal identifier; online identifiers as detailed below; Internet Protocol (“IP”) address; email address; telephone number; account number, name, and password; Social Security number; driver’s license number, passport number, state or other government-issued identification card number; and/or other similar identifiers;
  • Commercial information, which may include records of personal property; products or services purchased, obtained, or considered; account balances, payment history, or account activity; bank account information and other information relating to your financial institution; credit application, credit checks, and information from credit reporting agencies; and/or other purchasing or consumer histories or tendencies;
  • Information relating to Internet activity or other electronic network activity, which may include cookie identifiers, clear gifs (a.k.a. web beacons/web bugs), browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, clickstream data, device platform, device version, and/or other device characteristics.
  • Geolocation data, which may include GPS data; locational information based upon your IP address; cell network data; and/or other similar locational data; and which may be collected from various devices including your mobile device(s);
  • Audio, electronic, or visual information, which may include records of calls to or from our customer service centers; and/or video surveillance information;
  • Professional or employment-related information, such as your current and previous employers; job title and responsibilities; assets; income; and/or other information related to your work history and/or prospective employment;
  • Education information;
  • Inferences about you;
  • Information not listed above and related to characteristics protected under California or federal law; which may include gender; race and ethnicity; nationality; marital status; military service / veteran status; and/or date of birth;
  • Other personal information not listed above and described in California Civil Code § 1798.80(e), which may include signature; physical characteristics or description; insurance policy number; and/or bank account number credit card number, debit card number, and other financial, medical, and/or health insurance information.

B. What We Do With Your Information
We may collect or use personal information from you for the following purposes:

  • Internal analytics
  • Assessing third party vendors / service providers
  • Audit, compliance, policy, procedures, or regulation
  • Billing, payment, and fulfillment
  • Customer claims and fraud investigation and prevention
  • Customer communications
  • Customer relationship management
  • General business administration
  • Marketing our products and services
  • Marketing the products and services of others
  • Financial reporting and accounting
  • Website optimization and maintenance
  • Systems and data security
  • Maintaining and/or servicing accounts
  • Verification purposes
  • Evaluating applications for employment

C. Sources of Collected Information
We may collect personal information from the following categories of sources:

  • Our applicants, prospective customers, existing customers, and their authorized agents, including via our websites, mobile applications, telephone, text message, postal mail, social media, forums, message boards, chatbot, or other means;
  • Our affiliates, which may include our subsidiaries;
  • Our service providers, which may include customer relationship management providers, analytics providers, website hosting providers, risk and verification service providers, systems administrators, and communications delivery services;
  • Nonaffiliated companies with which we have a business relationship, which may include referral, promotional, and joint marketing partners;
  • Other third parties, which may include technology companies, social media platforms, other websites and mobile applications, online advertising partners, state departments of motor vehicles, and other data suppliers;
  • Things that other third parties may post publicly about you or otherwise provide to us, which may include review platforms, public forums, and testimonial websites; and
  • Employees and job applicants.

D. Who We Share Information With
We will provide your information to our trusted business partners who assist us in operating the Site, conducting our business (including partners referring you to us), or servicing your account, so long as those parties agree to keep this information confidential. We also may disclose your information to third parties to whom we may refer you or your inquiry or application for financing or other services, consistent with our notice to you and/or consent from you. In addition, we may disclose our transactions and experiences with you to credit bureaus. We do not sell personal information, or otherwise provide personal information to third parties without your prior consent to do so, other than service providers receiving information to perform services for us on our behalf. Below are the following categories of third parties with whom we may share your information:

  • Affiliates;
  • Our service providers, which may include advertising and marketing companies, social media companies, technology companies, fraud prevention agencies, and credit bureaus;
  • Entities with which we have a business relationship, which may include our partners and collection agencies;
  • Any other third party with your prior consent to do so.

In addition, we may also disclose your information:

  • As required by law, such as to comply with a subpoena, judicial or administrative order and/or any similar legal process;
  • When we believe in good faith that disclosure is necessary to (i) protect our rights or the rights of third parties (ii) to protect our property and safety or the property and safety of others, or (iii) investigate fraud or respond to a request from a governmental entity;
  • If Raistone is involved in a merger, acquisition, transfer, auction (including in a bankruptcy proceeding) or sale of all or substantially all of its assets or equity, in connection with such a transaction.

E. Your Privacy Rights
If you are a California resident, subject to applicable law, you have the following rights under California law with respect to your personal information:

  • Right to Know. You have the right to request what personal information we collect, use, disclose, and/or sell, as applicable.
  • Right to Delete. You have the right to request the deletion of your personal information that is collected or maintained by us.
  • Right to Opt-Out of Sale. You have the right to opt-out of the sale of your personal information by us. For more details on how to exercise this right, please see the following link: Do Not Sell My Personal Information.
  • Right to Non-Discrimination. You have the right not to receive discriminatory treatment by us for the exercise of the privacy rights described above.

The above rights are subject to various exclusions and exceptions under applicable laws. The above rights are also subject to our being able to reasonably verify your identity and authority to make these requests. Our identity verification procedure consists of matching pieces of personal information provided by the consumer with personal information maintained by us. In addition, we may require a signed declaration under penalty of perjury that the requestor is the consumer whose personal information is the subject of the request. You may also authorize someone to exercise the above rights on your behalf. To designate an authorized agent, please submit a request through our Support form. Please be advised that we will complete a verification procedure as necessary to verify that the agent has proper authorization to exercise the above rights on the consumer’s behalf. If we have collected information on your minor child, you may exercise the above rights on behalf of your minor child. If you are a California resident and wish to seek to exercise these rights, please reach us in one of the following ways:

For more information regarding this Privacy Policy, or if you have any questions or concerns, you may contact us in the following ways:

F. Notice of Right to Opt-Out
We do not currently sell your personal information. You have the right to direct Raistone not to sell your personal information and to refrain from doing so in the future. If you wish to opt-out of such sales, please do so in one of the following ways:

Please consult the other sections of our Privacy Policy for further information on our practices regarding your personal information.

In addition to reviewing this privacy policy (the “Policy”), you should also review our Terms & Conditions which is incorporated by reference into this Policy. Your use of the Site and the Services constitutes your agreement to its terms and conditions.

The Security of the Site
We maintain physical, electronic, and procedural safeguards and personnel policies, consistent with applicable laws that are designed to guard the Site, our systems and Information provided by our users. Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure. In the event of a breach of the confidentiality or security of your Personal Information, we will reasonably attempt to notify you as necessary so you can take appropriate protective steps. Unless you indicate otherwise, we may notify you under such circumstances using your most current email address on record with us. 

Electronic Communications
When you visit the Site or send e-mails or chats to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail, chat or phone or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically or posted on the Site satisfy any legal requirement that such communications be in writing if such requirements are applicable.

Data Collection
If you wish to register and use our Services, you will need to provide us with certain information, including information about your identity, your employer’s identity and other information required to apply for the Services. You will also be provided a user ID and a password to protect your account information. With your further permission, we may also request additional information from you, obtain a credit report, view invoicing history or collect other third party data about your company. Except as noted in this Policy, invoiceXcel does not sell, share, or in any other way transmit information submitted by you to any other persons or companies.

When you submit an online “contact us” or other online inquiry form, or when you call, write, fax or otherwise initiate contact with invoiceXcel, we record your contact information (name, address, phone number, and email address) in our CRM (Customer Relationship Management) system. This information is used for answering your questions as well as for ongoing marketing communication programs to you.

We may also collect certain information automatically, such as the type of computer or mobile device you use, your unique device ID, the IP address of your computer mobile device, and other information. We use your personally identifiable information to verify your identity and send you messages about your transactions or our company.

Data Sharing
Personally identifiable information we collect may be shared with third party financial institutions, service providers and referral partners under contract with invoiceXcel who help with parts of our business operations including but not limited to funding, fraud prevention, payment processing, marketing, and technology services. Our contracts dictate that these third party financial institutions, service providers and referral partners only use your information in connection with the services they perform for us and not for their own benefit. We may disclose your personally identifiable information to law enforcement, government officials, or other third parties when:

  • We are compelled to do so by a subpoena, court order or similar legal procedure
  • We need to do so to comply with applicable law
  • We believe in good faith that the disclosure of personally identifiable information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of this Policy or the Terms
  • You request or provide specific permission to share such information

In our efforts to continually improve our service offerings, we collect and analyze demographic and profile data about our users. This includes, but is not limited to, activity from companies utilizing the Site. We identify and use your IP address to help diagnose problems with our servers, and to administer the Site. Your IP address, along with cookies, may be used to help identify you and gather basic information. We may create anonymous records from personally identifiable information by excluding information (such as your name and company) that makes the information personally identifiable. We may use this anonymous information to direct future development, including but not limited to analyzing usage patterns so that we may enhance our services, and providing reports based on anonymous non-personally identifiable information. We reserve the right to use and disclose anonymous information to third parties, at our discretion.

Data Retention
We will retain personally identifiable information for as long as you remain an active user of the Site, and for a reasonable time thereafter or as required by law. We may retain anonymized and aggregate data indefinitely.

General
invoiceXcel may revise this Policy at any time by updating this page on the Site and in such event your continued use of the Site shall constitute your acceptance of such updated Policy. Accordingly, you should visit this page from time to time to review the then-current Policy because it is binding on you. Certain provisions of this Policy may be superseded by expressly designated legal notices or terms located on particular pages at the Site.

You may contact invoiceXcel at Raistone Capital, LLC at Address:
360 Madison Ave 22nd Floor New York, NY 10017

Your California Privacy Rights
This section applies to any California residents about whom we have collected personal information from any source, including through your use of our Site, by using our Services, or by communicating with us electronically, in paper correspondence, or in person (collectively, “you”). For purposes of this section only, “personal information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California consumer/resident or household. Personal information does not include publicly available information or information that has been de-identified.

A. What Information We Collect
We may collect the following categories of personal information about you:

  • Identifiers, which may include real name and alias; mailing address; unique personal identifier; online identifiers as detailed below; Internet Protocol (“IP”) address; email address; telephone number; account number, name, and password; Social Security number; driver’s license number, passport number, state or other government-issued identification card number; and/or other similar identifiers;
  • Commercial information, which may include records of personal property; products or services purchased, obtained, or considered; account balances, payment history, or account activity; bank account information and other information relating to your financial institution; credit application, credit checks, and information from credit reporting agencies; and/or other purchasing or consumer histories or tendencies;
  • Information relating to Internet activity or other electronic network activity, which may include cookie identifiers, clear gifs (a.k.a. web beacons/web bugs), browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, clickstream data, device platform, device version, and/or other device characteristics.
  • Geolocation data, which may include GPS data; locational information based upon your IP address; cell network data; and/or other similar locational data; and which may be collected from various devices including your mobile device(s);
  • Audio, electronic, or visual information, which may include records of calls to or from our customer service centers; and/or video surveillance information;
  • Professional or employment-related information, such as your current and previous employers; job title and responsibilities; assets; income; and/or other information related to your work history and/or prospective employment;
  • Education information;
  • Inferences about you;
  • Information not listed above and related to characteristics protected under California or federal law; which may include gender; race and ethnicity; nationality; marital status; military service / veteran status; and/or date of birth;
  • Other personal information not listed above and described in California Civil Code § 1798.80(e), which may include signature; physical characteristics or description; insurance policy number; and/or bank account number credit card number, debit card number, and other financial, medical, and/or health insurance information.

B. What We Do With Your Information
We may collect or use personal information from you for the following purposes:

  • Internal analytics
  • Assessing third party vendors / service providers
  • Audit, compliance, policy, procedures, or regulation
  • Billing, payment, and fulfillment
  • Customer claims and fraud investigation and prevention
  • Customer communications
  • Customer relationship management
  • General business administration
  • Marketing our products and services
  • Marketing the products and services of others
  • Financial reporting and accounting
  • Website optimization and maintenance
  • Systems and data security
  • Maintaining and/or servicing accounts
  • Verification purposes
  • Evaluating applications for employment

C. Sources of Collected Information
We may collect personal information from the following categories of sources:

  • Our applicants, prospective customers, existing customers, and their authorized agents, including via our websites, mobile applications, telephone, text message, postal mail, social media, forums, message boards, chatbot, or other means;
  • Our affiliates, which may include our subsidiaries;
  • Our service providers, which may include customer relationship management providers, analytics providers, website hosting providers, risk and verification service providers, systems administrators, and communications delivery services;
  • Nonaffiliated companies with which we have a business relationship, which may include referral, promotional, and joint marketing partners;
  • Other third parties, which may include technology companies, social media platforms, other websites and mobile applications, online advertising partners, state departments of motor vehicles, and other data suppliers;
  • Things that other third parties may post publicly about you or otherwise provide to us, which may include review platforms, public forums, and testimonial websites; and
  • Employees and job applicants.

D. Who We Share Information With
We will provide your information to our trusted business partners who assist us in operating the Site, conducting our business (including partners referring you to us), or servicing your account, so long as those parties agree to keep this information confidential. We also may disclose your information to third parties to whom we may refer you or your inquiry or application for financing or other services, consistent with our notice to you and/or consent from you. In addition, we may disclose our transactions and experiences with you to credit bureaus. We do not sell personal information, or otherwise provide personal information to third parties without your prior consent to do so, other than service providers receiving information to perform services for us on our behalf. Below are the following categories of third parties with whom we may share your information:

  • Affiliates;
  • Our service providers, which may include advertising and marketing companies, social media companies, technology companies, fraud prevention agencies, and credit bureaus;
  • Entities with which we have a business relationship, which may include our partners and collection agencies;
  • Any other third party with your prior consent to do so.

In addition, we may also disclose your information:

  • As required by law, such as to comply with a subpoena, judicial or administrative order and/or any similar legal process;
  • When we believe in good faith that disclosure is necessary to (i) protect our rights or the rights of third parties (ii) to protect our property and safety or the property and safety of others, or (iii) investigate fraud or respond to a request from a governmental entity;
  • If Raistone is involved in a merger, acquisition, transfer, auction (including in a bankruptcy proceeding) or sale of all or substantially all of its assets or equity, in connection with such a transaction.

E. Your Privacy Rights
If you are a California resident, subject to applicable law, you have the following rights under California law with respect to your personal information:

  • Right to Know. You have the right to request what personal information we collect, use, disclose, and/or sell, as applicable.
  • Right to Delete. You have the right to request the deletion of your personal information that is collected or maintained by us.
  • Right to Opt-Out of Sale. You have the right to opt-out of the sale of your personal information by us. For more details on how to exercise this right, please see the following link: Do Not Sell My Personal Information.
  • Right to Non-Discrimination. You have the right not to receive discriminatory treatment by us for the exercise of the privacy rights described above.

The above rights are subject to various exclusions and exceptions under applicable laws. The above rights are also subject to our being able to reasonably verify your identity and authority to make these requests. Our identity verification procedure consists of matching pieces of personal information provided by the consumer with personal information maintained by us. In addition, we may require a signed declaration under penalty of perjury that the requestor is the consumer whose personal information is the subject of the request. You may also authorize someone to exercise the above rights on your behalf. To designate an authorized agent, please submit a request through our Support form. Please be advised that we will complete a verification procedure as necessary to verify that the agent has proper authorization to exercise the above rights on the consumer’s behalf. If we have collected information on your minor child, you may exercise the above rights on behalf of your minor child. If you are a California resident and wish to seek to exercise these rights, please reach us in one of the following ways:

For more information regarding this Privacy Policy, or if you have any questions or concerns, you may contact us in the following ways:

F. Notice of Right to Opt-Out
We do not currently sell your personal information. You have the right to direct Raistone not to sell your personal information and to refrain from doing so in the future. If you wish to opt-out of such sales, please do so in one of the following ways:

Please consult the other sections of our Privacy Policy for further information on our practices regarding your personal information.