FactorGenie, LLC ("FactorGenie," "we," "us," or "our") operates the website factorgenie.com and related applications (collectively, the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our Service.
By accessing or using the Service, you agree to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the Service.
We may collect information that you voluntarily provide when you register for an account, use our Service, or contact us, including:
When you access the Service, we may automatically collect certain information, including:
As a service provider to freight factoring companies, FactorGenie may process data that our customers upload or transmit through the Service, such as load documents, bills of lading, rate confirmations, and related freight transaction records. This data is processed solely on behalf of and at the direction of our customers. Our customers are responsible for ensuring that they have the appropriate legal basis for sharing such data with us.
If you use our cash application and reconciliation features, you may choose to connect your business bank account(s) to the Service through Stripe Financial Connections, a service operated by Stripe, Inc. ("Stripe"). Financial account data is collected only after the account owner affirmatively connects an account and provides consent through Stripe's interface, and we request only the read-only data permissions needed to provide our reconciliation services. With your consent, we receive read-only financial account data, which may include account details, account balances, and transaction history (such as incoming deposits and ACH credits). We do not receive or store your bank login credentials — you provide those directly to Stripe or your financial institution. Stripe's collection and use of your data is governed by the Stripe Privacy Policy.
We use the information we collect for the following purposes:
We use financial account data (described in Section 1.4) solely to provide back-office cash application and reconciliation services: identifying received payments and matching them to remittance information and open invoice records, and presenting suggested reconciliation results to your operations team. We do not use financial account data to initiate money movement, to make credit or underwriting decisions, or for advertising or marketing purposes, and we do not sell financial account data.
We do not sell your personal information. We may share your information in the following circumstances:
We use cookies and similar tracking technologies to collect information about your browsing activity. Cookies are small data files stored on your device. We use:
You can control cookies through your browser settings. Disabling certain cookies may limit your ability to use some features of the Service.
We implement commercially reasonable technical and organizational measures to protect the information we collect and store. These measures include encryption in transit (TLS/SSL), access controls, and regular security assessments. Financial account data is encrypted in transit and at rest, and access is restricted to personnel who need it to provide our reconciliation services. Our security program includes safeguards designed to comply with applicable financial privacy laws. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.
We retain your personal information for as long as your account is active or as needed to provide you with the Service. We may also retain information as necessary to comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we will delete or anonymize it in accordance with our data retention practices.
Depending on your location, you may have certain rights regarding your personal information, including:
To exercise any of these rights, please contact us using the information provided below. We will respond to your request within a reasonable timeframe and in accordance with applicable law.
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and how it is used, the right to request deletion, and the right to opt out of the sale of personal information. As noted above, we do not sell personal information. To exercise your California privacy rights, please contact us at the address below.
The Service may contain links to third-party websites or services that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policy of every site you visit.
The Service is not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information promptly.
If you access the Service from outside the United States, your information may be transferred to and processed in the United States, where data protection laws may differ from those of your country. By using the Service, you consent to this transfer.
We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of the Service after any changes indicates your acceptance of the updated Privacy Policy.
If you have any questions about this Privacy Policy or our data practices, please contact us: