These Terms and Conditions constitute a binding agreement (“Agreement”) between you and CDFI NETWORK. By accessing, browsing and/or using this website (“Site”) you acknowledge that you have read, understood, and agree to be bound by these terms and to comply with all applicable laws and regulations. If you do not agree to these terms, do not use this Site. This Site may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Information on this Site may contain technical inaccuracies or typographical errors. Please read this Agreement carefully and be aware that CDFI NETWORK may, in its sole discretion and without notice, revise these terms at any time by updating this posting. It is your responsibility regularly to review this Agreement and to acquaint yourself with any changes. Usage of this Site constitutes an irrevocable waiver of any claim that you did not read, understand, or agree to the terms of this Agreement.
Copyright in Materials
The copyright in all materials provided or posted on this Site is held by CDFI NETWORK or by the original creator of the material. Except as stated herein, none of the materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of CDFI NETWORK or the copyright owner. Any unauthorized use of the materials contained on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity and/or communications regulations and statutes. All content and functionality on this Site, including text, graphics, logos, icons, and images and the selection and arrangement thereof, are the exclusive property of CDFI NETWORK or its licensors and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved. Your use of this Site is conditioned upon your honoring these copyrights and other intellectual property rights reflected on the Site.
Unless otherwise stated, the trademarks, service marks and logos (the “Trademarks”) used and displayed on this Site are registered and unregistered Trademarks of CDFI NETWORK. Other trademarks, service marks and trade names may be owned by others. Nothing on this Site should be construed as granting any license or right to use any Trademark or any other CDFI NETWORK intellectual property displayed on this Site. The name CDFI NETWORK or any other Trademarks may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Site, without prior written permission from CDFI NETWORK.
Linking to www.CDFINETWORK.com
CDFI NETWORK welcomes links to its Site. If you want to link to the CDFI NETWORK Site, you may do so. By establishing a link to the CDFI NETWORK Site, you’ll be deemed to have agreed to the following link conditions:
You are granted by CDFI NETWORK a limited, non-exclusive, non-transferable license to use the CDFI NETWORK name, logo and tag line (“Capital for communities. Opportunities for people”) – all of which are covered by registration mark protection – solely for the purpose of linking your web site to the CDFI NETWORK web site. You may not use any other CDFI NETWORK or CDFI NETWORK-affiliated company service marks for any other purpose. This license may be terminated at any time at CDFI NETWORK’s sole discretion, at which time you agree to remove all links to the CDFI NETWORK Site and cease using the service mark protected items described above.
You acknowledge that all rights to said service marks, the Site content, and the appearance of the web site belong to CDFI NETWORK and its third party licensors. If you link to the CDFI NETWORK Site, you may not (1) imply that CDFI NETWORK is endorsing you or your products or services, (2) imply an affiliation between your organization and CDFI NETWORK without CDFI NETWORK’s prior written consent, (3) misrepresent your relationship with CDFI NETWORK or present false or misleading impressions about CDFI NETWORK’s activities, publications, programs or services.
CDFI NETWORK may amend the link conditions at any time and you agree to abide by the terms of all such amended conditions.
All items on the CDFI NETWORK Site are not intended to be specific or general advice to the public in connection with any actual or potential dispute, problem or question. CDFI NETWORK cannot and is not representing or guaranteeing the accuracy or the up-to-date status of legal references or information contained in its web site material. Any reader that relies on this information without consulting independent legal counsel does so solely at his or her own risk.
Under no circumstances shall the information on this Site constitute an offer to buy, nor shall there be any sales of any securities.
PRIs and Equity Equivalent Investments are not deductible.
This Agreement constitutes the entire agreement between you and CDFI NETWORK with respect to the subject matter of this Agreement and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding that subject matter. Any waiver of any provision of this Agreement will be effective only if in writing and signed by CDFI NETWORK.
Last Updated: August 28, 2015
Collection of Information
Information You Provide to Us
We collect information you provide directly to us. For example, we collect information when you register for an account, subscribe to our newsletter or blog, fill out a form or application, request support or participate in any of the interactive areas of our Sites. The types of information we may collect include your name, company name, email address, postal address, phone number, information about a particular borrower or project, prior loan history, financial information (which may include tax returns, financial statements and banking information), demographic and employment information and any other information you choose to provide.
Information We Collect Automatically When You Use the Sites
When you access or use our Sites, we automatically collect information about you, including:
Log Information: We log information about your use of the Sites, including the type of browser you use, access times, pages viewed, your IP address, the page you visited before navigating to our Sites and search terms used on our Sites’ internal search engines.
Information Collected by Cookies and Other Tracking Technologies: We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. Cookies are small data files stored on your hard drive or in device memory that help us to improve our Sites and your experience, see which areas and features of our Sites are popular and count visits. We may also collect information using web beacons (also known as “tracking pixels”). Web beacons are electronic images that may be used in our Sites or emails and help deliver cookies, count visits, understand usage and campaign effectiveness and determine whether an email has been opened and acted upon. For more information about cookies, and how to disable them, please see “Your Choices” below.
Information We Collect From Other Sources
We may also obtain information from other sources and combine that with information we collect through our Sites. For example, if you use our Sites to make a donation, we will receive limited information about you from the third party that processes your payment, including but not limited to your name, address, email address and donation amount. We will not, however, receive any information about the payment card you use to make the donation.
Use of Information
We may use information about you for various purposes, including to:
Operate, maintain and improve our Sites;
Provide the products, services and information you request;
Send you technical notices, updates, security alerts and support and administrative messages;
Respond to your comments, questions and requests and provide support;
Communicate with you about products, services and events offered by CDFI NETWORK and others and provide news and information we think will be of interest to you;
Monitor and analyze trends, usage and activities in connection with our Sites;
Personalize and improve the Sites and provide content or features that match your profile or interests;
Link or combine with information we get from others to help understand your needs and provide you with better service; and
Carry out any other purpose for which the information was collected.
CDFI NETWORK is based in the United States and the information we collect is governed by U.S. law. By accessing or using the Sites or otherwise providing information to us, you consent to the processing and transfer of information in and to the U.S. and other countries.
Sharing of Information
With vendors, consultants and other service providers who need access to such information to carry out work on our behalf;
With community development partners and other entities who work with us to fund loans;
With other users when you participate in the interactive areas of our Sites, such as our blog;
In response to a request for information if we believe disclosure is in accordance with any applicable law, regulation or legal process, or as otherwise required by any applicable law, rule or regulation;
If we believe your actions are inconsistent with applicable CDFI NETWORK agreements or policies, or to protect the rights, property and safety of CDFI NETWORK or others;
In connection with, or during negotiations of, any merger, sale of company assets, financing or acquisition of all or a portion of our business to another company; and
With your consent or at your direction.
We may also share aggregated or de-identified information, which cannot reasonably be used to identify you.
Social Sharing Features
The Sites may offer social sharing features and other integrated tools (such as the Facebook “Like” button), which let you share actions you take on our Sites with other media, and vice versa. The use of such features enables the sharing of information with your friends or the public, depending on the settings you establish with the entity that provides the social sharing feature. For more information about the purpose and scope of data collection and processing in connection with social sharing features, please visit the privacy policies of the entities that provide these features.
Analytics Services Provided by Others
We take reasonable measures to help protect information about you from loss, theft, misuse and unauthorized access, disclosure, alteration and destruction.
You may request that we update, correct or delete information about you at any time emailing us firstname.lastname@example.org, but note that we may retain certain information as required by law or for legitimate business purposes. We may also retain cached or archived copies of information about you for a certain period of time.
Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Sites.
You may opt out of receiving promotional emails from CDFI NETWORK by following the instructions in those emails or by emailing us at email@example.com. If you opt out, we may still send you non-promotional communications, such as those about your account.
Community Development Financial Institution - Business Lending Network