PRIVACY DISCLOSURE STATEMENT
PLEASE READ THIS PRIVACY DISCLOSURE STATEMENT CAREFULLY
Thank you for visiting CRGG-USA.com (the "Website"). Cumberland River Financial Group, Inc. (referenced herein as "CRFG", "Company", "we", "us", and "our") respects your individual privacy. The Privacy Disclosure Statement ("Statement") explains what information may be collected on the Website, how we may use this information with regard to the Payroll Protection Program established by Congress in the CARES Act and the circumstances under which we may disclose the information to third parties if required by the agencies of the federal government. The
Statement also applies to successors, subsidiaries, affiliates, and related companies.

While visiting CRFG-USA.com, we will not collect any personal information about your firm and/or you unless you choose to provide that information to us. If you choose to provide this information, it will be used for the express purpose for which it was intended, such as responding to your request for information or filing an application along with related documents to the SBA. We remind you that if you visit a link outside of CRFG-USA.com you are subject to the privacy policies of that site. In addition, documents that you upload will be either shared or made available to the SBA and subject to the privacy policies of the SBA, the US Treasury Department, and other agencies of the Federal Government participating in the Payroll Protection Program.

As part of providing our services to you, we may undertake tasks pursuant to the Payroll Protection Program that are reasonably necessary to manage the application approval and funding process. When doing so with the SBA, the Department of Treasury, or the Federal Reserve we will apply the same privacy law requirements of those Federal agencies to your Information. Their websites contain their privacy and disclosure requirements pursuant to the Payroll Protection Program. We keep this Statement posted on our Website and you should review it frequently, as it may change from time to time without notice. Any changes will be effective immediately upon the posting of the revised Statement.

THIS IS A LEGAL AGREEMENT BETWEEN YOU AND THE COMPANY. WHEN YOU ACCESS OUR WEBSITE, YOU CONSENT TO THE TERMS OF THIS STATEMENT. IF YOU DO NOT AGREE TO THIS STATEMENT, OR TO ANY CHANGES WE MAY SUBSEQUENTLY MAKE, IMMEDIATELY STOP ACCESSING OUR WEBSITE.
Information collected and stored automatically
CRFG-USA.com automatically collects personal identifiable information and non- personal information from you when you visit the site in order to give you the best possible experience. CRFG-USA.com uses web measurement technology to automatically track your interaction with CRFG-USA.com including where it came from, what they did on the site and whether any any pre-determined tasks while on the site were completed. Aggregate data is used to help the CRFG improve our user interface and diversify our content offerings to meet the needs of our customers, track operational problems, prevent fraud and improve the effectiveness, security and integrity of the site. This information does not identify you personally and data is only retained in accordance with the CRFG data retention policy. For each page that you visit, we collect and store only the following technical information:
  • Date and time of access
  • URL address of the CRFG-USA.com webpage visited
  • Internet domain and IP address from which our website was accessed
  • Type of browser and operating system used to access our site (if provided by
    the browser)
  • URL address of the referring page (if provided by the browser)
  • Completion or success status of the request for a web page or other on-line
    item
  • File size of the webpage visited
This information is only used to help us make the site more useful for you. With this data we learn about the number of visitors to our site and the types of technology our visitors use. We will not track or record personally identifiable information and non-personal information ("Information") nor do we disclose, sell, or transfer any
Information about visitors to our Website, unless required by law enforcement or statute.

Furnishing the Information is voluntary; however, failure to furnish the requested information may delay or prevent the completion of your application pursuant to the Payroll Protection Program. The failure to submit information required pursuant to the Payroll Protection Program will likely result in the rejection of your application and prevent funding of your loan application.
    Cookies
    When you visit some websites, their web servers generate pieces of information known as cookies, which helps webmasters understand how users interact with their site's content and services. Websites use cookies to track one's activities on a website (e.g., pages visited, links clicked on, etc.), and to record information about the user so when the user returns to the site, customized features can be provided.

    There are two types of cookies. A session cookie is a line of text that is storedtemporarily in your web browser's memory cache and will expire when the browser is closed. A session cookie is not placed on any hard drive, and it is destroyed as soon as you close your browser. A persistent cookie is saved to a file on your hard drive and is accessed whenever you re-visit the website that put it there. This lets that website remember what you were interested in the last time you visited.

    We use persistent cookies to enable Google Analytics to differentiate between new and returning CRFG-USA.com visitors. Persistent cookies remain on your computer between visits to CRFG-USA.com until they expire. We also use persistent cookies to block repeated invitations to take the customer satisfaction survey. The persistent
    cookies that block repeated survey invitations expire in 90 days.

    CRFG may utilize third party services to enhance its distribution of data and information (e.g., videos) through links from the CRFG-USA.com web site. A persistent cookie may be set by such a third-party provider when you click on the provider's link in order to access CRFG's data (e.g., play a video).

    By default, persistent cookies and web measurement technologies are automatically used when you visit CRFG-USA.com. Nevertheless, if you decide to disable or remove cookies from your browser, you will continue to have access to all information and resources on CRFG-USA.com.
    Information collected from interactive forms and surveys
    CRFG-USA.com provides interactive forms that permit voluntarily submittal of Information and documents. In these cases, all submitted Information is used only for the express purposes for which it is provided and is not made available to any third party, except for the SBA.

    CRFG-USA.com will not collect Information or creates individual profiles for any third-party commercial marketing.

    Our Website may contain links to the sites of our affiliates, subsidiaries, government agencies involved in the Payroll Protection Program and third parties. These sites may have information practices that differ from ours. You should execute caution and consult the privacy notices of all other websites before accessing such websites. CRFG has no control over the privacy practices employed by any other website, including websites of Federal agencies. We are not responsible for the protection and the privacy of any Information that you provide while visiting such websites and such websites are not governed by this statement.
    Children's privacy
    Because we care about the safety and privacy of children online, we comply with the Children's Online Privacy Protection Act of 1998 (COPPA). COPPA and its accompanying regulations protect the privacy of children using the Internet. CRFG- USA.com does not knowingly contact or collect personal information from children under 13. CRFG-USA.com is not intended to solicit information of any kind from children under 13.

    It is possible that by fraud or deception we may receive information pertaining to children under 13. If we are notified of this, as soon as we verify the information, we will immediately obtain parental consent or otherwise delete the information from our servers. If you want to notify us of our receipt of information by children under
    13, please do so by sending an e-mail to the support@crfg-usa.com.
    Site security
    For site security purposes and to ensure that this service remains available to all users, this site employs commercial software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.

    Unauthorized attempts to upload information or change information on this service are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act.

    We have implemented security measures we consider reasonable and appropriate to protect against the loss, misuse, and alteration of the Information under our control. While we strive to protect your privacy, we cannot guaranty or warrant the security of information you chose to disclose or transmit to us online and are not
    responsible for the theft, destruction, or inadvertent disclosure of you Information. In the event of a security breach, we may (at our sole and absolute discretion) notify you by email to the last email address that you have provided to the in the most expedient time reasonable under the circumstances; provided however, delays in
    notification may occur while we take necessary measures to determine the scope of the breach and restore reasonable integrity to the system as well as for the legitimate needs of law enforcement in notification would impede a criminal investigation.
    Disclaimer
    Notwithstanding anything herein to the contrary, we reserve the right to disclose any Information about you if we are required to do so by law, with respect to copyright and other intellectual property infringement claims, or we believe that such action is necessary to (i) fulfill a government request; (ii) conform with the requirements of the law or legal process; (iii) protect or defend our legal rights or property, our Website or other users; and/or (iv) in an emergency to protect the health and safety of our users and the general public.

    This Statement is the sole statement of our Privacy Disclosure Statement with respect to this Website. No summary notification or other version thereof, in any form, is valid unless we post a new or revised policy.

    Effective Date: April 9, 2020.

    You may contact us if you have questions or comments about our Statement. To protect your privacy and security, we will take reasonable steps to help verify your identity before responding to or granting any requests.

    Contact: info@crfg-usa.com