This agreement (“Agreement”) governs the use of the ForwardLine.com website. It should be read carefully before accessing or using this website (the“Site”).
Guidelines for Using ForwardLine Copyrights and Trademarks
All of the pages and screens on the Site are owned and controlled by ForwardLine, except as otherwise expressly stated, and are protected by U.S. copyright laws and international treaties. The copyright protected materials on the Site include, but are not limited to, the text, design, software, images, graphics, source code, “touch and feel” and other content on the Site.
You are authorized to view the information available on the Site for your informational purposes only. You may download copyright protected materials for your personal, non-commercial, and non-public use purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyright protected material. You may not copy, display, distribute, modify, transfer, link to, reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Site for any commercial or public purpose without ForwardLine’s prior written consent.
ForwardLine® and Business Loans Without the Hassle® are federally registered service marks of ForwardLine Financial, LLC. “Growing your business is our business” is a service mark of ForwardLine Financial, LLC. Other featured words used on the Site to identify the source of products and services are trademarks and service marks owned by ForwardLine You may not use or register anywhere in the world, any of the trademarks found on the Site, without the prior written consent of ForwardLine, and then only under the specific guidelines provided by ForwardLine.
VISA® is a registered trademark of Visa International. MasterCard® is a registered trademark of MasterCard International. FICO® is a registered trademark.
Authorization to Conduct Business Electronically
By using the Site, you consent to: (a) transact business with ForwardLine online and electronically; (b) receive certain disclosures electronically, either via the Site or an email address provided by you; and (c) receive electronically all relevant documents, communications, notices and contracts related to your business funding application, business financing, servicing, or collection.
Digital Content Disclaimer
By using blog postings, webinars, or other electronic content (Digital Content) provided by ForwardLine, you accept this disclaimer in full:
Digital Content is not advice, and should not be treated as such. ForwardLine excludes all representations, warranties, guarantees, and undertakings related to its Digital Content to the maximum extent permitted by applicable law. You must not rely on the information within Digital Content as an alternative to financial, accountancy, legal, taxation, or other advice from a qualified professional. You should never delay seeking legal advice, disregard legal advice, or commence or discontinue any legal action because of Digital Content information. ForwardLine does not guarantee that Digital Content is correct, accurate, complete, or non-misleading and that the use of Digital Content guidance will lead to any particular outcome or result. You agree not to hold ForwardLine liable to in respect of any business losses, including, and without limitation, loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill, or any special, indirect, or consequential loss or damage related to Digital Content.
Customer Referral Program
To qualify for ForwardLine’s Customer Referral Program, the following conditions must be satisfied: The referred merchant must be a new customer to ForwardLine; the referring merchant must be a current or previous ForwardLine customer in good standing; and the referred merchant must indicate at the time of its application that it was referred to ForwardLine by an eligible ForwardLine customer. Good standing means, for current customers, that your financing payments are current and you are not and have not been since the funding of your financing in default under your agreement and, for previous customers, that your financing was fully paid off pursuant to the terms of your agreement and at no time were you in default under your agreement. A new customer means a customer that is not currently in ForwardLine’s marketing database or a customer that has not submitted a financing application to ForwardLine within the last 180 days. The referral gift will be mailed within 45 days of ForwardLine’s funding of a loan to a referred merchant, provided that the eligible referring and referred merchants are in good standing at the time of mailing. ForwardLine reserves the right to change the terms of this offer or terminate this offer at any time in its sole and absolute discretion.
This is the website of www.ForwardLine.com.
ForwardLine’s postal address is:
3000 Olympic Blvd, Bldg 4
Santa Monica, CA 90404
ForwardLine can be reached via e-mail at info@ForwardLine.com, or by telephone at 866.623.4900. For each visitor to ForwardLine’s Site, our Web server automatically recognizes the customer’s domain name and e-mail address (where possible).
ForwardLine collects the domain name and e-mail address (where possible) of visitors to its Site, information provided voluntarily by the customer, including information provided as part of a small business credit application.
The information ForwardLine collects is used by it to contact small businesses for marketing purposes and may be shared with reputable third party companies for commercial purposes. If you do not want us to share your information with third parties, email us at OptOut@ForwardLine.com, call us at 888.796.8717, or write us at 3000 Olympic Blvd, Bldg 4, Santa Monica, CA 90404.
ForwardLine does not track its customers or visitors to its Site over time and across third party websites to provide targeted advertising and therefore does not respond to Do Not Track (DNT) signals. However, some third-party sites linked to ForwardLine’s Site may track your browsing activities when you are on those sites. If you are visiting such third-party sites, your browser allows you to set the DNT signal so that third parties know you do not want to be tracked, however, ForwardLine makes no representations or warranties with respect to the practices or policies of such third-party sites and recommends you visit such third party site’s respective privacy policies for additional information.
If you do not want to receive e-mail from ForwardLine in the future, please let us know by sending an e-mail to OptOut@ForwardLine.com, or by writing to the above address.
From time to time, ForwardLine makes its customer e-mail list and the e-mail addresses of those who access its Site available to other reputable organizations whose products or services it thinks you might find interesting. If you do not want ForwardLine to share your e-mail address with other companies or organizations, please let us know by calling 888.796.8717, or by writing to the above address.
If you supply ForwardLine with your mailing address online, you may receive periodic mailings from us with information on new products and services or upcoming events. If you do not wish to receive such mailings, please let us know by calling 888.796.8717, or by writing to the above address.
You may receive mailings from other reputable companies. You can, however, have your name put on ForwardLine’s do-not-share list by calling 888.796.8717, or writing to the above address. Please provide us with your exact name and address. So that we will be sure your name is removed from the list shared with other organizations.
Persons who supply ForwardLine with their telephone numbers online may receive telephone contact from us with information regarding new products and services or upcoming events. If you do not wish to receive such telephone calls, please let us know by sending an e-mail to the above address, or by writing to the above address.
Persons who supply ForwardLine with their telephone numbers online may receive telephone contact from other reputable companies. You can, however, have your name put on ForwardLine’s do-not-share list by sending an e-mail to the above address, or by writing to the above address.
With respect to Ad Servers: We do not partner with or have special relationships with any ad server companies.
From time to time, ForwardLine may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If ForwardLine’s information practices change at some time in the future, we will post the policy changes to the Site to notify you of these changes and provide you with the ability to opt-out of these new uses. If you are concerned about how your information is used, you should check back to ForwardLine’s Site periodically.
Customers may prevent their information from being used for purposes other than those for which it was originally collected by e-mailing us at the above address. Upon request, ForwardLine provides Site visitors with access to information that we have collected and that we maintain about them.
Customers can access this information by e-mailing us at the above address, or by writing to the above address. Customers can have this information corrected by sending us an e-mail at the above address, or by writing to us at the above address.
With respect to telephone numbers: If you provide a phone number when interacting with ForwardLine.com you expressly consent to receive calls and messages, including auto-dialed and pre-recorded message calls, and SMS messages (including text messages) from ForwardLine, its affiliates, agents and others calling at their request or on their behalf, at any telephone numbers that you have provided or may provide in the future (including any cellular telephone numbers). Your cellular or mobile telephone provider will charge you according to the type of plan you carry.
ForwardLine takes the security of your information very seriously. Your information is securely sent to ForwardLine with 128-bit encryption over the Transport Layer Security (TLS) protocol, which is an encrypted connection between your browser and ForwardLine’s servers. Thus, when you enter sensitive personal information (such as a social security number) on our application forms, we encrypt the transmission of that information. When we transfer and receive certain types of sensitive information, such as financial information, we redirect visitors to a secure server. We have appropriate security measures in place in our physical facilities to protect against the loss, misuse, or alteration of information that we have collected from you at our Site.
If you experience problems accessing our “LOGIN” or “My Account Login” portals, you should confirm your browser is compatible with TLS 1.1 or higher. Stronger security is in place to access these portals and therefore, if you are using Microsoft Edge in Windows 7 or an earlier version of Windows, please upgrade your operating system to Windows 8 or a newer version. Alternatively, you can use Mozilla Firefox or Google Chrome. For mobile users, upgrade your operating system to iOS 13 or a newer version.
If you feel that this Site is not following its stated information policy, you may contact ForwardLine at the above addresses or phone number.
If you allow ForwardLine to see your banking information online rather than in hard copy, it is on a read-only basis. ForwardLine does not have access to change, edit, or modify bank account information in any way. ForwardLine employees cannot view your banking username and passwords.
Information We Collect
We collect the following personal information data (“Personal Information”) from you:
In addition to gathering information via our Site, ForwardLine may also review your website to gather information, and obtain information and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media. Once you are a ForwardLine customer, we may reach out to you for, or otherwise obtain, information if you decide to renew your financing or as otherwise needed to provide the ForwardLine’s financing products and related services (the “Service”).
Use of Information
ForwardLine uses the information it collects to:
This section applies to any California resident about whom we have collected personal information from any source, including through your use of our Website(s), by buying our products or services, or by communicating with us electronically, in paper correspondence, or in person (collectively, “you”).
For purposes of this section, “personal information” means information that ForwardLine maintains in a manner 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 or aggregated.
As a lender to small businesses, much of our collected data is exempt from the California Consumer Privacy Act (“CCPA”), including under that law’s exemption for business-to-business data collection. However, because we are committed to transparency and the privacy of our customers, this Policy section contains details as to this exempt dataset in addition to any non-exempt personal information.
Please keep in mind, however, that our decision to provide you this information is done solely on a voluntary basis. ForwardLine is not required to do so under the CCPA or any other legal obligation. Therefore, ForwardLine reserves the right, in its sole discretion, to determine the amount and type of information we disclose to you in the future or how to respond to privacy requests that you may submit to us.
What Information We Collect
We may collect the following categories of personal information about you:
What We Do With Your Information
We may collect or use personal information from you for the following purposes:
Sources of Collected Information
We may collect personal information from the following categories of sources:
Who We Share Information With
We do not sell your personal information. We may share your personal information with the following categories of third parties:
We also disclose the personal information disclosed in Section A to our service providers for business purposes.
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, to the extent your personal information is not already subject to federal law and the required privacy and security measures applied under federal law:
When you submit a request through one of the designated methods provided for submitting requests, it may take us up to 45 calendar days from receiving your verifiable request to disclose and deliver the required information. In some cases, it may take us longer to respond to your request. If we require more time (up to 90 calendar days), we will provide you with notice of the extension period.
The above rights are subject to our being able to reasonably verify your identity and authority to make these requests. Any request must provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative, including, without limitation, your full name, email address, and address including zip code. If we are unable to verify your identity to a reasonable degree of certainty, we will not be able to provide the requested information.
Your request must also contain sufficient detail that allows us to properly understand, evaluate, and respond to it. These rights are also subject to various exclusions and exceptions under applicable laws. If any of the applicable exceptions apply, we will not be able to comply with and will be forced to deny your request to delete. For example, applicable law provides an exception to the right to delete for personal information necessary to complete a transaction for which we collected it or to comply with a legal obligation. This exception applies to, among other things, information collected in connection with an application for financing.
If you are a California resident and wish to seek to exercise these rights, please reach us in one of the following ways:
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Cookies are files or pieces of information that may be stored on your computer (or other internet enabled devices, such as a smartphone or tablet) when you visit ForwardLine.com. A cookie will usually contain the name of the website from which the cookie has come from, the “lifetime” of the cookie (i.e. how long it will remain on your device), and a value, which is usually a randomly generated unique number.
Two types of cookies may be used on ForwardLine.com – “session cookies” and “persistent cookies.” Session cookies are temporary cookies that remain on your device until you leave ForwardLine.com. A persistent cookie remains on your device for much longer or until you manually delete it (how long the cookie remains on your device will depend on the duration or “lifetime” of the specific cookie and your browser settings).
Necessary Cookies: These cookies are essential to make ForwardLine.com work correctly. They enable you to move around our website and use our features. Examples include remembering previous actions (e.g. entered text) when navigating back to a page in the same session. These cookies do not identify you as an individual. If you do not accept these cookies, it may affect the performance of the website, or parts of it.
Performance Cookies: These cookies help us understand how visitors interact with our website by providing information about the areas visited, the time spent on the website, and any issues encountered, such as error messages. This helps us improve the performance of our website. These cookies do not identify you as an individual. All data is collected and aggregated anonymously.
Functionality Cookies: These cookies allow our website to remember the choices you make (such as your user name, language, or the region you are in) to provide a more personalized online experience. They can also enable visitors to watch videos and engage with social tools, such as blogs, chatrooms, and forums. The information these cookies collect may include personally identifiable information that you have disclosed, such as your username or profile picture. We shall always be transparent with you about what information we collect, what we do with it, and with whom we share it. If you do not accept these cookies, it may affect the performance and functionality of the website and may restrict access to content on the website.
Targeting/Advertising Cookies: These cookies are used to deliver content that is more relevant to you and your interests. These cookies may be used to deliver targeted advertising or to limit the number of times you see an advertisement. They also help us measure the effectiveness of advertising campaigns on ForwardLine.com and other websites. We may use these cookies to remember websites you have visited, and we may share this information with other parties, including advertisers and our agencies. These cookies track customers via their IP Address.
Most internet browsers are initially set up to accept cookies automatically. You can change the settings to block cookies or to alert you when cookies are being sent to your device. There are some ways to manage cookies. Please refer to your browser instructions or help screen to learn more about how to adjust or modify your browser settings.
If you disable the cookies that we use, this may impact your experience while on ForwardLine.com. You may not be able to visit certain ForwardLine.com areas, or you may not receive personalized information when you visit our site. If you use different devices to view and access ForwardLine.com (e.g. your computer, smartphone, tablet, etc.) you will need to ensure that each browser on each device is adjusted to suit your cookie preferences.
Submission of an electronic financing application shall have the same force and effect as if the application bore an original inked signature. The submitter certifies that the account will be used solely for business and commercial purposes. The applicant, or the person submitting this application if not the applicant, hereby represents and warrants that the applicant(s), owner(s) and guarantor(s) (if any) have expressly authorized the applicant to enter into contracts on behalf of the business, and that ForwardLine Financial, LLC and its assigns, including select other finance companies (collectively “FL”), may consider this information as true, accurate, and complete in all respects, until the applicant provides FL with a written notice of change. Each applicant authorizes FL to (1) obtain at any time, now or in the future, investigative reports and credit reports through a credit agency chosen by FL, and (2) investigate any references or other information obtained from or about the individual owner/guarantor and the business (including contacting the current payment processor of the business to verify processing history) for purposes of this application. The applicant acknowledges that, based upon such information and other factors that may apply, FL in its sole discretion, may either grant or decline to grant credit. By submitting an electronic application, the applicant agrees to receive updates from FL and its partners regarding this account via the telephone or fax numbers, or email address, provided for the account. If the applicant has provided a mobile device number, applicant expressly agrees to receive communications at that number from FL and its authorized agents.
If your application for business credit is denied, you have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact Vice President, Underwriting Decisions Compliance Department, ForwardLine Financial, LLC, 3000 Olympic Blvd, Bldg 4, Santa Monica, CA 90404 or 866.792.3716 within 60 days from the date you are notified of our decision. We will send you a written statement of reasons for the denial within 30 days of receiving your request for the statement.
No Minor Use
This Site is applicable to and should only be used by persons 18 years of age or older. Access and use of this Site by persons under the age of 18 is strictly prohibited.
USA PATRIOT Act
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING AN ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account with ForwardLine, ForwardLine will ask for your name, mailing address and other information that will allow them to verify your identity. ForwardLine may also ask to see a driver’s license or other identifying documents.
Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning ForwardLine Financial, LLC is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.