Nickel NY Inc ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
1. Information We Collect
Personal Information
We may collect personal information that you voluntarily provide to us when you:
- Submit an inquiry or loan application
- Contact us via email or phone
- Subscribe to our communications
- Interact with our website
This information may include:
- Name, email address, and contact information
- Business name and financial information
- Social Security Number or Tax ID (for loan applications)
- Banking and credit information
- Any other information you choose to provide
Automatically Collected Information
When you visit our website, we may automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some cookies installed on your device. We may also collect information about your browsing actions and patterns.
2. How We Use Your Information
We use the information we collect in the following ways:
- To process and evaluate loan applications
- To communicate with you about our services
- To send marketing and promotional communications (with your consent)
- To improve our website and services
- To comply with legal obligations and protect our rights
- To detect, prevent, and address fraud or security issues
3. SMS & Text Message Communications
By opting in to receive SMS/MMS messages from Nickel NY Inc:
- You expressly consent to receive recurring marketing and promotional SMS/MMS messages from Nickel NY Inc, including offers, updates, and information about our financial products and services.
- Messages will be sent using an automated telephone dialing system (ATDS).
- Message frequency varies; you may receive up to 4 messages per month.
- Message and data rates may apply based on your mobile carrier's plan.
- You can reply STOP to opt out at any time.
- You can reply HELP for assistance or contact us at isaac@thenickelny.com.
- Consent is NOT a condition of purchase. You may still apply for and receive our services without opting in to SMS communications.
SMS Data Privacy
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
4. How We Share Your Information
We may share your information in the following situations:
- With Service Providers: We may share your information with third-party vendors who perform services on our behalf, such as credit bureaus, payment processors, and technology providers.
- For Legal Reasons: We may disclose your information if required by law, court order, or governmental regulation, or if we believe disclosure is necessary to protect our rights or the safety of others.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
- With Your Consent: We may share your information for any other purpose with your explicit consent.
Important: We do not sell your personal information to third parties.
5. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
6. Your Rights and Choices
Depending on your location, you may have certain rights regarding your personal information, including:
- Access: You may request a copy of the personal information we hold about you.
- Correction: You may request that we correct or update inaccurate information.
- Deletion: You may request that we delete your personal information, subject to legal obligations.
- Opt-Out: You may opt out of receiving marketing communications at any time by clicking "unsubscribe" in our emails or replying STOP to SMS messages.
To exercise these rights, please contact us at isaac@thenickelny.com.
7. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
8. Third-Party Websites
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date.
10. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
Nickel NY Inc
925 1 ct
Brooklyn, NY 11223
Email: isaac@thenickelny.com