Collection of your Personal Information
In order to better provide you with products and services offered on our Site, Stellar Mutual may collect personally identifiable information, such as your:
– First and Last Name
– E-mail Address
– Phone Number
Stellar Mutual may also collect anonymous demographic information, which is not unique to you, such as your:
– Household Income
We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.
Use of your Personal Information
Stellar Mutual collects and uses your personal information to operate its website(s) and deliver the services you have requested.
Stellar Mutual may also use your personally identifiable information to inform you of other products or services available from Stellar Mutual and its affiliates.
Sharing Information with Third Parties
Stellar Mutual does not sell, rent or lease its customer lists to third parties.
Stellar Mutual may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Stellar Mutual, and they are required to maintain the confidentiality of your information.
Stellar Mutual may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Stellar Mutual or the site; (b) protect and defend the rights or property of Stellar Mutual; and/or (c) act under exigent circumstances to protect the personal safety of users of Stellar Mutual, or the public.
Tracking User Behavior
Stellar Mutual may keep track of the websites and pages our users visit within Stellar Mutual, in order to determine what Stellar Mutual services are the most popular. This data is used to deliver customized content and advertising within Stellar Mutual to customers whose behavior indicates that they are interested in a particular subject area.
Automatically Collected Information
Information about your computer hardware and software may be automatically collected by Stellar Mutual. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Stellar Mutual website.
The Stellar Mutual website may use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Stellar Mutual pages, or register with Stellar Mutual site or services, a cookie helps Stellar Mutual to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Stellar Mutual website, the information you previously provided can be retrieved, so you can easily use the Stellar Mutual features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Stellar Mutual services or websites you visit.
Security of your Personal Information
Stellar Mutual secures your personal information from unauthorized access, use, or disclosure. Stellar Mutual uses the following methods for this purpose:
– SSL Protocol
When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.
We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.
Children Under Thirteen
Stellar Mutual does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.
PLEASE ADD SMS
From time to time, Stellar Mutual may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Stellar Mutual or click on a link therein.
If you would like to stop receiving marketing or promotional communications via email from Stellar Mutual, you may opt out of such communications by Customers may unsubscribe from emails by “replying STOP” or “clicking on the UNSUBSCRIBE button.”.
Changes to this Statement
Stellar Mutual welcomes your questions or comments regarding this Statement of Privacy. If you believe that Stellar Mutual has not adhered to this Statement, please contact Stellar Mutual at:
1770 W COUNTY LINE RD SUITE 204
LAKEWOOD, New Jersey 08701
Effective as of December 03, 2019
Disclosure on Lead Capture
Disclosure on Full Application
By signing below, each of the above listed business and business owner/officer (individually and collectively, “you”) authorize Stellar Mutual LLC (“Stellar Mutual”) and each of its representatives, successors, assigns and designees (“Recipients”) that may be involved with or acquire commercial capital, otherwise known as a Merchant Cash Advance, having daily repayment features or purchases of future receivables including said Merchant Cash Advance transactions, including without limitation the application therefor (collectively, “Transactions”) to obtain consumer or personal, business and investigative reports and other information about you, including credit card processor statements and bank statements, from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax, and from other credit bureaus, banks, creditors and other third parties. You also authorize Stellar Mutual to transmit this application form, along with any of the foregoing information obtained in connection with this application, to any or all of the Recipients for the foregoing purposes. You also consent to the release, by any creditor or financial institution, of any information relating to any of you, to Stellar Mutual and to each of the Recipients, on its own behalf. By clicking “submit” you (i) consent to receiving calls and text/SMS messages or emails, including from an automatic dialing system or other similar system for marketing purposes, from Stellar Mutual or its agents or affiliates at the telephone number(s) provided, including your mobile number; and (ii) acknowledge that this represents your electronic signature and understand that you are not required to provide consent in order to obtain a quote or get funding, and instead can call (844) 385-CASH.