Legal

Privacy Policy

Last Updated: January 2026

Heritage Factoring ("Heritage," "we," "our," or "us") respects your privacy and is committed to protecting the personal and business information you provide to us. This Privacy Policy describes how we collect, use, disclose, and safeguard information obtained through our website and related services.

By accessing or using this website, submitting information, or engaging with our services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We collect information necessary to evaluate funding inquiries and provide commercial financing services. Information collected may include:

Business Information

  • Legal business name
  • DBA names
  • Business address and contact information
  • Tax identification numbers
  • Ownership structure
  • Financial statements
  • Accounts receivable aging reports
  • Invoice documentation
  • Bank account information

Personal Information

  • Names of owners, officers, and principals
  • Email addresses
  • Phone numbers
  • Government-issued identification (if required for underwriting)
  • Personal guarantee documentation

Automatically Collected Information

When you visit our website, we may automatically collect certain information, including:

  • IP address
  • Browser type and version
  • Device information
  • Pages viewed and time spent
  • Cookies and similar tracking technologies

2. How We Use Your Information

We use collected information solely for legitimate business purposes, including:

  • Evaluating funding inquiries
  • Underwriting and credit analysis
  • Account administration
  • Communication regarding services
  • Risk management and fraud prevention
  • Compliance with legal and regulatory obligations
  • Improving website functionality and user experience

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

3. Information Sharing and Disclosure

We may share information with:

Institutional Funding Partners

To evaluate, structure, and administer financing transactions.

Service Providers

Third-party vendors that assist with:

  • Underwriting
  • Portfolio servicing
  • Payment processing
  • Technology infrastructure
  • Secure document storage

All such parties are contractually bound by confidentiality and data protection obligations.

Legal or Regulatory Authorities

If required by law, subpoena, court order, or to protect our legal rights.

4. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect your information, including:

  • SSL encryption
  • Secure cloud infrastructure
  • Access controls
  • Restricted internal access policies

While we take reasonable measures to protect your information, no electronic transmission or storage system can be guaranteed to be completely secure.

5. Data Retention

We retain personal and business information only as long as necessary to:

  • Provide requested services
  • Comply with legal obligations
  • Resolve disputes
  • Enforce agreements

6. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to enhance functionality and analyze website usage. You may adjust your browser settings to decline cookies; however, certain features of the website may not function properly without them.

7. Your Rights

Subject to applicable law, you may request to:

  • Access personal information we maintain about you
  • Correct inaccurate information
  • Request deletion of certain information

Requests may be submitted to: info@heritagefactoring.com

We may require identity verification before processing any request.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.

9. Children's Privacy

Our services are intended solely for business and commercial use. We do not knowingly collect personal information from individuals under the age of 18.

10. Governing Law and Venue

This Privacy Policy and any dispute, claim, or controversy arising out of or relating to this Privacy Policy, the website, or the services provided by Heritage Factoring shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles.

The parties agree that exclusive jurisdiction and venue for any dispute arising out of or relating to this Privacy Policy shall lie solely in the state courts located in Galveston County, Texas, or the United States District Court serving Galveston County, Texas. Each party irrevocably submits to the personal jurisdiction of such courts.

To the fullest extent permitted by law, the parties waive any objection to venue in Galveston County, Texas, including any claim that such forum is inconvenient.

THE PARTIES FURTHER WAIVE ANY RIGHT TO TRIAL BY JURY IN CONNECTION WITH ANY DISPUTE ARISING UNDER OR RELATING TO THIS PRIVACY POLICY.

11. SMS Data Usage

If you opt in to receive SMS communications, we may use your phone number to send transactional and service-related messages.

We do not sell or share your phone number with third parties for marketing purposes.

Your information is handled in accordance with this Privacy Policy.

12. Updates to This Policy

We may update this Privacy Policy from time to time. The "Last Updated" date reflects the most recent revision. Continued use of the website after updates constitutes acceptance of the revised policy.

13. Contact Information

If you have questions regarding this Privacy Policy, please contact:

Heritage Factoring

Email: info@heritagefactoring.com

Website: www.heritagefactoring.com