This Privacy Policy explains how ASHELLE INC ("ASHELLE", "we", "us") collects, uses and protects personal information when you visit squaemouth.com ("the website"), submit a financing application or otherwise contact us. By using the website you agree to the practices described here.
1. Who we are
ASHELLE INC is a financial intermediary providing targeted (secondary) financing, non-bank credit intermediation, factoring, refinancing and financial due diligence services to businesses. We are not a bank and not a direct lender.
2. Information we collect
2.1 Information you give us
When you fill in the application form, request a call or email us, we collect the information you provide, which may include:
- full name, phone number and email address;
- the financing amount you are interested in and the purpose of financing;
- the content of any message or documents you choose to send us;
- your confirmation that you agree to this Privacy Policy.
During the subsequent consultation we may ask for additional business information (company details, financial statements, collateral information) that is necessary to assess and present your case to lenders. This information is collected directly from you and only with your knowledge.
2.2 Information collected automatically
When you browse the website our servers and the cookies described in our Cookie Policy may record: IP address, browser type and version, device type, operating system, referring URL, pages viewed, time spent on pages, approximate location (city / country level) and the date and time of your visit.
2.3 Information from third parties
We may receive information from advertising platforms (for example Google Ads) about how you reached our website, such as the campaign or keyword that led to your visit, and from lenders regarding the status of an application we submitted on your behalf.
3. How we use your information
- to respond to your application or enquiry and to contact you by phone, email or SMS about it;
- to assess financing options and, with your permission, present your case to lending partners;
- to prepare and manage agreements, invoices and other documents related to our services;
- to comply with legal obligations, including anti-fraud, anti-money-laundering and record-keeping requirements;
- to operate, secure and improve the website (including spam and abuse prevention);
- with your consent, to measure website traffic and the effectiveness of our advertising campaigns;
- with your consent, to show you relevant advertising on third-party platforms (remarketing).
We do not sell personal information and we do not use it for automated decision-making that produces legal effects on you.
4. Legal bases
Where applicable law requires a legal basis, we rely on: performance of a contract or steps taken at your request before entering into one; our legitimate interests in operating and promoting our business; compliance with legal obligations; and your consent, which you can withdraw at any time (for example through the cookie settings on this website).
5. Sharing your information
We share personal information only where necessary and only with:
- Lending partners – private lenders, credit funds and other financing providers, when you ask us to arrange financing. Each lender processes your information under its own privacy policy.
- Service providers – hosting, email delivery, CRM, analytics and advertising providers that process data on our behalf under contractual confidentiality obligations.
- Professional advisers – lawyers, accountants and auditors where required.
- Authorities – regulators, courts or law-enforcement bodies where required by law or to protect our rights.
- Successors – in connection with a merger, acquisition or sale of assets, subject to the same protections.
6. Cookies, analytics and advertising
We use cookies and similar technologies. Necessary cookies are always active. Analytics cookies (such as Google Analytics) and marketing cookies (such as Google Ads conversion tracking and remarketing) are set only after you give consent in the cookie banner.
Google may use the collected data to contextualise and personalise ads on its own advertising network. You can opt out of personalised advertising by Google through Google Ads Settings, and out of Google Analytics through the Google Analytics opt-out add-on. Details of every cookie we use and how to change your choice are in the Cookie Policy.
7. Data retention
We keep application data for as long as necessary to provide our services and for up to 5 years afterwards to meet legal, accounting and dispute-resolution requirements. Enquiries that do not lead to an engagement are deleted within 24 months. Website log data is kept for up to 12 months. Analytics data retention follows the settings of the relevant tool (Google Analytics: 14 months by default).
8. Security
We use administrative, technical and physical safeguards appropriate to the sensitivity of the data, including encrypted connections (HTTPS), access controls, spam protection on our forms and restricted access to stored applications. No method of transmission over the Internet is completely secure, so we cannot guarantee absolute security.
9. Your rights
Depending on where you live, you may have the right to: access the personal information we hold about you; ask us to correct or delete it; restrict or object to certain processing; receive a copy in a portable format; withdraw consent; and opt out of the "sale" or "sharing" of personal information, or of targeted advertising. We do not sell personal information. To exercise any right, email [email protected] or call +1 (562) 394-6691. We will respond within the time required by applicable law (generally 30 to 45 days). We will not discriminate against you for exercising your rights.
Residents of California and other U.S. states with privacy laws: the categories of personal information we collect are identifiers, commercial information, internet activity and professional information, as described in section 2. We collect them for the purposes in section 3 and disclose them to the recipients in section 5. You may designate an authorised agent to make a request on your behalf.
Residents of the EEA / UK: if we process your data, you also have the right to lodge a complaint with your local supervisory authority. Data may be transferred to the United States, where we are based; we rely on standard contractual clauses or other approved safeguards for such transfers.
10. Marketing communications
We contact you about your enquiry and, where permitted, about related services. You can unsubscribe from marketing emails at any time using the link in the message or by contacting us. We do not send unsolicited SMS marketing.
11. Children
Our services are intended for businesses and adults aged 18 or over. We do not knowingly collect personal information from children. If you believe a child has provided us with data, please contact us and we will delete it.
12. Third-party websites
The website may contain links to lender websites, social networks and other third-party sites. We are not responsible for their content or privacy practices. Please review their policies before providing any information.
13. Changes to this policy
We may update this Privacy Policy from time to time. The date at the top of the page shows when it was last revised. Material changes will be highlighted on the website. Continued use of the website after changes take effect constitutes acceptance of the revised policy.
14. Contact
Questions or requests about this policy can be sent to [email protected], by phone at +1 (562) 394-6691, or by post to ASHELLE INC, 17 Sunset Rd W, Albertson, NY 11507, USA. This policy applies to squaemouth.com and to any subdomain we operate.