Your dedicated Account Managers are trained to help you prepare you apply and answer any questions you may have.
Completing your Volt PPP APP gives your account manager insights into your qualifications for the SBA PPP so they can help you prepare your application or provide you with other options. To start this process, we ask that you first complete the online application here.
Your dedicated Account Managers are trained to help you prepare you apply and answer any questions you may have.
Payroll records
‍You will need payroll tax forms (i.e. Forms 940 and/or 941) from January 1st, 2019 to the most current filing. Note: You will need to be able to identify any employees paid over $100K. If you are a 1099 employee, you can still submit an application. Use your Social Security Number instead of an EIN on your application.
Terms and conditions in these FAQs are subject to change based on updates from the US Small Business Administration.
Thank you for visiting the website located at http://www.voltlending.com (the “Site“) owned and operated by Revolt Financial, LLC., doing business as “Volt” (“We “, “us” or “Company“). Please carefully read these terms of use (the “Terms“) as well as our privacy policy, which we may update from time to time, a current version of which is available here (the “Privacy Policy“). We provide value added services meant to connect small-medium businesses with small-medium business funding providers, as further described at  https://www.voltlending.com (together with the Site, the “Services“). By accessing the Site or using our Services, you thereby agree to the Terms and Privacy Policy. “You” means a user of the Site and/or Services. If you do not agree to the Terms and Privacy Policy, you should exit our Site and not use or review any of the information that is posted on the Site and not apply for or use our Services. We may revise the Terms at any time without notice by updating this Site. All updates to the Terms will be posted on this page. You are bound by any revisions or updates. You should periodically visit these Terms to review the current terms that apply to your use of our Site or Services. Any use of the Site or Services by you after Company’s publication of any such changes shall constitute your acceptance of these Terms as modified. Company may, in its sole discretion and at any time, discontinue providing the Site or Services or any part thereof without notice.
Use of and access to the Site or Services is void where prohibited by law. By using the Site or Services, you represent and warrant that (a) any and all information you submit is truthful and accurate; (b) you are of a legal age to form a binding contract to receive funding; (c) your use of the Site or Services does not violate any applicable law or regulation or any obligation; and (d) your use of the Site or Services is for a bona fide business purpose.
Please note that we are not a government agency, government organization, financial institution, funding provider or other funding provider. We are a company providing value added services meant to connect small-medium businesses with small business funding providers. We may receive a referral fee from funding providers for providing the connection between you and the fund providers. The Service does not necessarily include all fund providers or all types of products available in the marketplace. We can’t guarantee to you will be matched or be given an offer, nor that your matches will be the best possible rates and terms available in the market. Please note that generally you, either on your own or through an independent third party, as required by applicable law, can apply for small-medium business funding without the use of the Services directly with a small-medium business funding provider. By using the Site or Services to assist your self-representation, you agree to the following terms. You are representing yourself and/or the entity you are authorized to represent in this business matter. No attorney-client or other professional privilege is created with Company. You have been fully informed of the Services that Company is performing. No governmental entity or authority has evaluated or approved Company’s knowledge or experience, or the quality of Company’s Services. Please note that you may obtain information regarding small-medium business funding from a professional business consultant, financial institution or other funding provider. Company is not permitted to provide you the actual funding or any kind of advice, explanation, opinion, or recommendation about possible financial or legal rights, remedies, defenses, options, selection of forms or strategies.
COMPANY DOES NOT GUARANTEE THAT YOU WILL RECEIVE FUNDING FROM ANY PROVIDER.
No information on the Site is to be construed as financial product advice or a recommendation, to buy or sell any financial product. The Services provided by Company does not constitute an offer, invitation, solicitation or recommendation in relation to the subscription, purchase or sale of financial products.
Application Services
We shall provide the following assistance with respect to your search for a small-medium business funding:
(1) preliminary funding assessment services on behalf of our trusted third party funding providers (the “Funding Provider(s)”) using the information provided by you through the pre-qualification questioner completed by you for the grant of such small-medium business funding (“ Prequalification Criteria”). The pre-qualification questioner may request information including but not limited to business name and address, amount and intended purpose of funding sought, certain financial information and documents regarding the business, and certain information and documents regarding your business (the “Application Information”); (2) additional Services (the ” Additional Services“) designed to improve your credit score or otherwise improve the attractiveness of your funding application. Such services shall include access to Company E-book, live Dashboard, Company’s breakdown of financial statements and Company’s internal score generated using Company’s internal ranking system through X-Platform (“X-Score™ “). The X-Platform Services shall be offered at the discretion of Company , if offered to you, you may be granted with access to Company’s X-Platform dashboard which will provide you with relevant information and tips for how to improve your credit score, financial condition, net worth, overall credit profile and other factor such as: sales, cash flow management etc., you’ll also be provided with access to Company live dashboard which will enable you to understand the reasons for funding rejection, a personalized step-by-step optimization plan, an option to view your real credit score and monitor your process, and eventually provide you with your X-Platform.
You agree to provide true, accurate, current and complete Application Information. We are not responsible for any Service-related issues arising from your failure to provide true, accurate, current and complete Application Information. If we determine, in our sole discretion, that you have failed to do so, we may suspend or terminate your access to the Site and Service. If, based on our Prequalification Criteria and at our sole discretion you are found eligible, we will forward your Application Information to Funding Providers. By providing the Application Information to Company, you authorize us to furnish the Funding Provider with your Application Information on your behalf and, if necessary, verify certain fields of your Application Information You may be found eligible for business funding by several Funding Providers. In case you have been found eligible by several Funding Providers, your authorization to share your Application Information will apply to each Funding Provider you have chosen to complete the application process with, as described in this paragraph. We collect such Personal Information that you provide us in order for us to provide you with our Services. This Personal Information may include: your full name, gender, birth date, place of birth, place of residence, driver’s license, profession and professional experience, social security number, or the Application Information. Telephone conversations may be recorded. Your receipt of the funding from the Funding Provider is subject to a separate agreement between you and the Funding Provider. You acknowledge and agree that Company has no role in the Funding Provider’s decision to provide or not provide funding to you, and that Company provides the Application Information to the Funding Provider on your behalf. You authorize us to use the Application Information for all purposes related to the Service, and to have continued access to your Application Information, provided that such access shall be used solely for the purpose of providing the Service to you. Funding Providers may require you to provide bank statements in order to complete their assessment process regarding your request (“the Statements”). You may be able to choose to (1) Share your Statements with the Funding Provider(s) through the options provided on their respective website(s); or (2) use the third party service through our website which will enable us and the Funding Provider(s) to retrieve your Statements (some Funding Providers may enable you to use the third party service on their respective websites). By using the third-party service, you represent and warrant that you have taken all the required steps with your bank in order to authorize the third-party service or similar applicable third parties to obtain access to your bank account(s). If you choose to use the third-party service on our website, you will be asked to enter your online banking credentials. These credentials will not be stored or used by us. To learn more about the third-party service, please visit their website. To view the third-party service’s privacy policy, click here. The Statements may be retained and shared by us with the Funding Provider(s) or sent directly to the Funding Provider(s), based on the contractual relationship between the third-party service and the Funding Provider(s). Please note that some Funding Providers may require a separate process of obtaining your Statements as part of their authorization process, even if such Statements have been provided by one of the options mentioned in this paragraph.
Additional Services
We may offer you additional services (the “Additional Services”), from time to time, including but not limited to: providing additional written or oral information regarding financial conduct, providing monthly updates regarding financial issues and so on.
The Additional Services will be provided in accordance with the Terms and the Privacy Policy. Specific terms may apply for each one of the Additional Services and will be stipulated alongside such Additional Service.
Intellectual Property
Company and its licensors own the Site or Services, as well as the materials provided on this Site or Services, including all worldwide intellectual property rights in the Site or Services, and the trademarks, service marks, and logos contained therein. Except as expressly permitted herein, you may not copy, further modify, adapt, duplicate, distribute, display, perform, sublicense, republish, retransmit, reproduce, create derivative works of, transfer, sell or otherwise use the Site or Services or any content appearing in the Site or Services. You will not remove, alter or conceal any copyright, trademark, service mark or other proprietary rights notices incorporated in the Site or Services. All trademarks are trademarks or registered trademarks of their respective owners. Nothing in these Terms grant you any right to use any trademark, service mark, logo, or trade name of Company or any third party. Unauthorized use constitutes copyright and/or trademark infringement and may be prosecuted. You may not, or attempt to; (a) decipher, decompile, disassemble, or reverse-engineer any of the software used to provide the Site or Services; (b) circumvent, disable, or otherwise interfere with security-related features of the Site or Services or features that prevent or restrict use or copying of any content; (c) use any robot, spider, site search or retrieval service, or any other manual or automatic device or process to retrieve, index, data-mine, or in any way reproduce or circumvent the navigational structure or presentation of the Site or Services; or (d) harvest, collect or mine information about users of the Site or Services.
Pricing and Fees
We do not charge you any upfront fee for the Service. We may charge fees for certain Additional Services, Consulting Fees, as specified in the applicable Additional Service sign-up page. Company does not control a Funding Provider’s terms, and a Funding Provider’s funding terms and conditions are entirely and solely within the Funding Provider’s discretion. We may charge a fee for the Additional Services. No refunds are issued for any reason for Additional Services. All Services are provided as-is without any guarantee and are earned and due payable at the time Additional Services are rendered. By purchasing any Additional Service, you are confirming that you have read and understand our no refunds policy. You further agree that you will not make or attempt to make any chargebacks.
Disclaimers & Disclaimer of Warranty
Volt Lending, LLC communications and communications emanating from this site, the online web and the social media community are for informational purposes only and are not intended as an offer or solicitation for the purchase or sale of any financial instrument or as an official confirmation of any transaction. Any comments or statements made herein do not reflect the views of Company, or any of its subsidiaries or affiliates or any third-party bank service providers or partners.  Company is a financial technology company. Company is not financial consultant or institution and neither Company nor any of its employees provide legal or financial services or advice of any sort. Company is not currently licensed or registered in any jurisdiction(s) selling of securities. This is not an offer for solicitation of an offer to invest in a company, raise equity or sell securities, apply for credit or business lending in any jurisdiction where Company is not registered and cannot offer an term loan, banking services, line of credit without a license. Company is a technology service provider and provides you with easy online application services to access loans from third party lenders.  Company is not a loan provider or other funding provider and does not provide actual loans or any kind of advice.  Approval of an actual loan from third-party lender is subject to a separate assessment process by the third-party lender and the loan is subject to the third-party lender’s terms and conditions.
LOAN APPROVAL AND LOAN DECESION IS NOT GUARANTEED. Â LOAN UNDERWRITING AND CREDIT DECESIONS ARE NOT GUARANTEED AND TIME MAY VARY. Â WE MAY NEVER BE ABLE TO OFFER YOU A DECESION ON YOU LOAN. COMPANY RESERVES THE RIGHT TO WITHDRAW ANY LOAN APPLICATION, AT ANY TIME WITHOUT WRITTEN OR ORAL NOTICE.
All information available through Company are not warranted as to completeness or accuracy and are subject to change without notice.  Furthermore, no representations or warranties express or implied, are given regarding the legal, financial or other consequences resulting from the use of our Site or Services or the forms provided therein. Company does not guarantee or assume any responsibility for any service advertised or offered by any third-party service relating to either Company or any funding provider. Company makes no guarantee as to the number of funding providers with whom you may be matched using the Service, nor does Company guarantee that you will be able to obtain business funding in any amount using the Service, including from any funding provider for whom your verified information provisionally prequalifies you for such funding. Company does not guarantee that using the Additional Services will improve your credit score and/or other factor such as: sales, cash flow management etc., and/or the offers you receive from funding providers. You understand and agree that Company is neither a funding provider nor a financial advisor, and nothing on this site is intended to be a substitute for professional financial advice. Your use of the Site or Services is at your sole discretion and risk. The Site and Services are provided on an “AS-IS” and “AS AVAILABLE” basis without warranties of any kind from Company. COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO THE SITE OR SERVICES, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. COMPANY DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED, (I) REGARDING THE SECURITY, ACCURACY, RELIABILITY, TIMELINESS AND PERFORMANCE OF THE SITE OR SERVICES; OR (II) THAT THE SITE OR SERVICES WILL BE ERROR-FREE OR THAT ANY ERRORS WILL BE CORRECTED; OR (III) REGARDING THE PERFORMANCE OF OR ACCURACY, QUALITY, CURRENCY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED BY THE SITE OR SERVICES. COMPANY MAKES NO COMMITMENT TO UPDATE THE INFORMATION CONTAINED IN THE SITE OR SERVICES. COMPANY DOES NOT WARRANT THAT ANY ESTIMATION OR DESCRIPTION PROVIDED THROUGH THE SERVICES IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. COMPANY CANNOT AND DOES NOT ACCEPT ANY LIABILITY FOR ANY RELIANCE BY YOU ON SUCH INFORMATION. We reserve the right to correct any errors, inaccuracies or omissions and to change or update the content at any time without prior notice (including after you have submitted Application Information to us). No advice or information, whether oral or written, obtained by you from Company, or any third party on behalf of Company, shall create any warranty not expressly stated in these Terms. If you choose to rely on such information, you do so solely at your own risk. Some states or jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above exclusions may not apply to you.
Limitation of Liability
IN NO EVENT SHALL COMPANY  OR ANY OF ITS AFFILIATES, SUBSIDIARIES, PARTNERS OR THEIR OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES OR ANY CONTENT INCLUDED ON THE SITE (INCLUDING ADVERTISEMENTS), INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH THE SITE OR SERVICES, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT COMPANY  HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF COMPANY  FOR ANY AND ALL DAMAGES ARISING UNDER THESE TERMS OF USE OR OUT OF YOUR USE, OR INABILITY TO USE, THE SITE OR THE SERVICE, EXCEED THE TOTAL AMOUNT OF USD 1,000. YOU AGREE THAT ANY CAUSE OF ACTION THAT YOU MAY HAVE ARISING OUT OF OR RELATED TO THE SITE OR SERVICE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCURES, OTHERWISE – SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
Indemnification
You agree to indemnify, defend, and hold harmless Company and its respective employees, directors, officers, subcontractors and agents of each, against any and all claims, damages, or costs or expenses (including court costs and attorneys’ fees) that arise directly or indirectly from: (a) breach of these Terms by you; (b) any claim, loss or damage experienced from your use or attempted use of (or inability to use) the Site or Services, including any transactions that you conduct or attempt; (c) your violation of any law or regulation; (d) your infringement of any right of any third party; and (e) any other matter for which you are responsible hereunder or under law. You agree that your use of the Site or Services, including, without limitation, provision of services in connection with the Site shall be in compliance with all applicable laws, regulations and guidelines and shall not be intended to damage, disable, overload or impair the Site or the servers on which it is hosted.
Links
Portions of the Site (including, without limitation, advertisements) may involve linking to or using web sites belonging to third parties. The Site may also provide you with links to access the websites of third-party vendors or retailers. We have no control over third-party sites, and all use of third-party sites is at your own risk. Additionally, Company cannot accept responsibility for any payments processed or submitted through such third-party sites, or for the privacy policies of any such sites. Company is not responsible for content available by means of such sites. Company does not endorse any products offered by third parties and we urge our users to exercise caution in using third-party sites.
Miscellaneous
These Terms shall be governed by the laws of the State of Texas, exclusive of its choice of law rules. Your conduct may also be subject to other local, state, and national laws. Any action to be brought in connection with these Terms or the Application shall be brought exclusively in the court’s jurisdiction of Harris County, Texas, and you irrevocably consent to their jurisdiction. Any cause of action against Company must be brought within one (1) year of the date such cause of action arose. If any provision of these Terms is held to be unenforceable, such provision shall be replaced with an enforceable provision which most closely achieves the effect of the original provision, and the remaining terms of these Terms shall remain in full force and effect. Nothing in these Terms creates any agency, employment, joint venture, or partnership relationship between you and Company or authorizes you to act on behalf of Company. Except as may be expressly stated in these Terms, these Terms constitute the entire agreement between Company and you pertaining to the subject matter hereof, and any and all other agreements existing between us relating thereto are hereby canceled. We may assign our rights and obligations hereunder to any third party without prior notice. You shall not assign any of your rights or obligations hereunder, and any assignment in violation of the foregoing shall be void. No waiver of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. If we are required to provide notice to you hereunder, we may provide such notice to the email account that you provided to us.
Messaging Policy
If you have given us the applicable consents, we, or other third parties on our behalf, may contact you by calls or text messages. including from an automatic telephone dialing system or an artificial or prerecorded voice, for advertising and telemarketing purposes, at the telephone number you provided. This consent, if provided, will apply even if your telephone number is currently on any state, federal, or corporate Do-Not-Call registry.
We will send you information regarding your application process (such as a notification on missing info, funding application status and so on).
Frequency of Messages: The number and frequency of SMS/MMS messages sent to your device depends on several factors including number of funding requests you have made, if you have asked for help or support etc.
Opt-out: reply STOP to any text message you receive, or contact Company. You consent that following such a request to unsubscribe, you will receive one (1) final message from Company confirming your request. Please allow up to three (3) business days to process your request. You may resume receiving messages at any time by replying UNSTOP.
For Help: Reply HELP to any message, or contact us at support@voltlending.com
Cost: Message and data rates may apply to each text message sent or received in connection with Company text messages, as provided in your mobile telephone service rate plan (please contact your mobile telephone carrier for pricing plans). Company does not impose a separate fee for sending messages. You acknowledge and agree that you are solely responsible and liable for obtaining, maintaining, and paying all charges related to your mobile device(s).
No Guarantee: Company is not responsible for incomplete, lost, late, or misdirected messages, including (but not limited to) undelivered messages resulting from any form of filtering by your mobile carrier or service provider or otherwise.
Use of Automated Dialing Technology: You acknowledge and agree that the SMS Alerts Service may be provided in some cases through automatic telephone dialing technology, an artificial voice or a pre-recorded voice. By providing us your phone number, you expressly consent to receive the SMS messages service through automatic dialing technology, artificial and pre-recorded voice.
General Communications: You agree to receive notifications from Company, its representatives, employees, and agents, through any means authorized under these Terms, including phone calls and text messages that use automatic telephone dialing technology, artificial voice or pre-recorded voice or live person.
Carriers: Supported carriers may vary according to your location.
Eligibility
To receive text messages from us, you must be a resident of the United States or Australia and 18 years of age or older. Company reserves the right to require you to prove that you are at least 18 years of age.
Termination: Company reserves the right, in its sole discretion, to cancel or suspend any or all of the SMS Alerts Service, in whole or in part, for any reason, with or without notice to you.
Last updated: 5/01/2020
Effective date: 5/01/2020
Welcome to Volt. Volt Lending respects your rights to privacy. Your ability to make informed choices about the use of your information is important to us. This Privacy Policy explains our policy regarding the collection, use, disclosure and protection of personal information we receive. It also sets out how you can contact us if you have any queries or concerns about this information. If not otherwise defined in this Privacy Policy, capitalized terms have the meaning given to them in our Terms and Conditions, which you may read here (the “Terms”).
Please read the Privacy Policy and the Federal Privacy Notices before using Volt’s website or Mobile Application. Revolt Financial, LLC. (“Volt”) is the owner of this website, www.voltlending.com (the “Site”), and the Volt Web and Mobile Application (the “App”) and the hosting, content, and other functionality of the Site and App is supported by Volt and other third parties that provide software and other services to Volt.
This Privacy Policy, together with the Federal Privacy Notice, describe the type of information we collect from you, what we do with the information we collect, how we protect your personal information we have collected, and how you may update and control the information you provide on our Website.
This Privacy Policy applies to all prospective, current and former Volt customers. By accessing or using Volt’s Website or App, you consent to this Privacy Policy. If you have questions or complaints regarding our Privacy Policy or practices, please contact us at support@voltlending.com.
Consent
By communicating or dealing with Volt or Volt Affiliates, including by completing and submitting the Application Information through the Site, you consent to the information you provide being collected, stored, used and disclosed by us in accordance with our Privacy Policy.
Types of Information We Collect
“Personal Information” means information that can be directly associated with a specific person, such as gender, birth date, marital status, professional experience, education, or credit card information. We collect such Personal Information that you provide us in order for us to provide you with our Services. This Personal Information may include: your full name, gender, birth date, place of birth, place of residence, profession and professional experience, social security number, drivers license or the Application Information. We also receive information from Funding Providers regarding your funding application or funding. Such information may include whether or not funding has been approved, the amount of the funding, the date in which the funding is granted and additional information regarding the funding.
Information Volt collects from you online
You can visit our Website without any personal information, in which case our servers collect information about your internet browsing activity on our Website (as described under “Tracking Technologies”).
If you apply for a loan on our Website, you will be asked to provide some of your personal and banking information, and Volt will request authorization to obtain your credit report. To apply for a loan on our Website, the personal information we collect includes but is not limited to your:
Information Volt collects from Third Parties about you
Credit Reports. When you visit the Website to see what loan terms and interest rate might apply to you, or apply for a loan, we collect information from credit bureaus and other partners to determine your creditworthiness. The credit bureau information we collect includes information about your:
We may offer the option to use a third-party service in order to allow you to obtain Statements (“Third Part Service”). If you choose to use such a third-party service, we may also retain the Statements. We also collect Personal Information when you contact us for any reason. It is your voluntary decision whether to provide us with any such Personal Information, but if you refuse to provide such information, we may not be able to register you to use the Services or your use of the Services may be limited. To the extent that you provide Personal Information about individuals other than yourself, you certify that you have obtained their consent to the collection and use (including transfer and disclosure) of that Personal Information consistent with this Privacy Policy and, for any individuals not legally competent to give consent, you consent on their behalf and confirm that you have the authority to do so. In addition, when you use the Site, certain information may be automatically gathered about your computer, browser, operating system, IP address or mobile device.
How we Protect Information
We make efforts to follow generally accepted industry standards to protect Personal Information, both during transmission and once we receive it, including by keeping your Personal Information secure in a combination of secure computer storage, hard copy files and other records. However, you must realize that no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security. We will delete any Personal Information provided to us by a user upon the receipt of a written request by such user. We cannot restore information that we have deleted.
How we Use Information
Please note that we are not a government agency, government organization, financial institution, a bank, funding provider or other funding provider. We are a company providing value added services meant to connect small businesses with small business funding providers. Â We will provide third party Funding Providers your Application Information on your behalf for the opportunity to receive small business funding conditional offer. If you are found eligible for business funding by several Funding Providers, you may choose with which option and/or Funding Provider(s) you want to complete the process. We are not responsible for any errors in the content you provide to us. The Application Information may include your Statements, if you have used the Third-Party Service on our website.
Except as specifically set forth in these Terms, we will not share your Personal Information with third parties without your explicit permission. We may use Personal Information internally – for example, to help diagnose problems with our servers, to make our Site or Services more useful, or to customize our Site or Services and personalize their content for you. We may share your Personal Information with members of our corporate family, third party vendors, service providers and Funding Providers. We may also authorize third party Funding Providers, vendors or service providers to collect information on our behalf.
We may offer third party products or services on our website. You may or may not tell when a third party is involved in a product or service because their name may appear, either alone or with ours, or not at all. If you choose to use these products or services, we may share information about you, including your Personal Information, with those partners. Please note that we do not control the privacy practices of these third-party business partners. If you wish to no longer allow that third party to use your information, please contact that third party directly. If you were referred to our Site from another website (for example, through a link), we may share some information about you with that referring website. We encourage you to review the privacy policies of any website that referred you here. Additionally, when you link to one of our partners from our Site, we provide that partner with a unique identifier so they know that you were referred from our Site. This unique identifier will not contain any of your Personal Information. By analyzing all information we receive, including all information concerning users, we may compile statistical information across a variety of users (“Statistical Information”). Statistical Information helps understand trends and user needs so that new products and services can be considered and so existing products and services can be tailored to user desires. Statistical Information does not indicate individuals’ identities, and we will not link Statistical Information to any Personal Information. We may share Statistical Information with our partners, without restriction, on commercial terms that we can determine in our sole discretion. We also use a tool called “Google Analytics” to collect information about the use of the Site or Services. Google Analytics collects information such as how often users visit this Site, what pages they visit when they do so, and what other sites they used prior to coming to this Site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. We use the information we get from Google Analytics only to improve our Site and Services. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use located at http://www.google.com/analytics/terms/us.html and the Google
Privacy Policy located at http://www.google.com/policies/privacy/.
We may lawfully disclose your Personal Information for purposes other than those purposes for which it was collected and described herein (secondary purpose) in certain circumstances, including where you would reasonably expect us to disclose the information for that purpose. We can (and you authorize us to) disclose any information about you as we, in our sole discretion, reasonably believe necessary or as otherwise permitted by applicable laws, including: when disclosure is required or authorized by or under a competent court, tribunal or regulatory entity’s order; to lesson or prevent serious threat to your health and safety or to public health or safety; to take appropriate action where we have reason to suspect that unlawful activity, or misconduct of a series nature, that relates to our business functions or activities has been, is being, or may be engaged in; to assist another entity, body or person to locate a person who has been reported as missing; for the establishment, exercise or defense of a legal or equitable claim; for the purposes of a confidential alternative dispute resolution process or for one or more enforcement related activities conducted by, or on behalf of, an enforcement body.
Cookies
A cookie is a small piece of text that is sent to a visitor’s browser. Cookies can also be described as Web Beacons. Cookies are data files stored by your internet browser on your computer’s hard drive. The browser provides this piece of text to the device of the originating visitor when this visitor returns. We use cookies to help personalize your experience. A “persistent” cookie may be used to help save your settings and customizations. Also, if you log in to an application that we may provide, such a cookie will be used to recognize you as a valid user so you will not need to log in each time you use the application. Most Web browsers are initially configured to accept cookies, but you can change this setting so your browser either refuses all cookies or informs you when a cookie is being sent. Also, you are free to delete any existing cookies at any time. Please note that some features of the Services may not function properly when cookies are disabled or removed. Volt collects information about your transactions and activity, in addition to other internet browsing data. We collect information about your computer and your visits to the Website, including your IP address, geographical location, browser type, referral source, length of visit, button clicks and page views.
Tracking Technologies
If you visit our Website, our servers collect information about your internet browsing activity on our Website, and other information such as your IP address, browser type and platform, and information about the link that brought you to our Website. This information is used by us and our service providers to better understand a user’s experience on our Website and to improve our Website.
Volt and our marketing partners and service providers use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer the website, track users’ movements around the website, and gather demographic information about our user base as a whole. We may receive reports on this activity on an individual and aggregated basis. Cookies are also used to gather statistical data, such as which pages are frequently visited, what is downloaded, and the address of sites visited immediately before or after coming to our Website.
If you create an account on our Website, we use cookies when you sign in to your account to keep track of your personal session, help authenticate your account, and detect fraud. You can control the use of cookies within your web browser. However, if you reject cookies, your ability to use some features or areas of our websites may be limited.
Usage Data & Site Activity. Volt also uses local storage to store your preferences and other information. Various browsers offer their own tools for managing content persisted in the browser’s local storage.
Third Party Technologies. We also partner with third parties to manage our advertising on other sites and evaluate our overall Website performance. Our third party partners may use technologies such as cookies or other similar technologies to gather information about your activities on our Website and other sites in order to provide you advertising based upon your browsing activities and interests or help us track the success of our marketing efforts or overall Website performance. If you do not wish to have this information used to provide you with interest-based advertisements, you may opt-out by clicking here. Please note that this opt-out only applies to interest-based advertisements provided through certain networks and third parties. You may continue to receive other generic advertisements or personalized ads from companies not participating in that opt-out program.
Do-Not-Track Signals
We do not respond to “do not track” signals from your browser at this time.
How Volt Uses Your Information
Servicing Your Account
If you apply for a loan using the Volt Application, we will use your information to facilitate your loan request and provide details through our site to a third party provider. Volt is a service provider to its partner banks, and all loans facilitated through the Volt website are made and funded by a partner bank. The information collected in connection with a loan may be used for:
Data Analysis & Business Operations
Volt also uses your information to conduct analyses related to our Services and our Website and/or App. We use this information to help detect security incidents and prevent fraud, to improve our Services and credit model, and to develop additional products and services. We also use this information to improve our Website and App’s usability and to evaluate the success of marketing campaigns and other activities.
Marketing Communications
Volt may also use your personal information to select you for certain marketing offers. Volt may use your personal information both to select you for an offer and to communicate that offer to you. If you do not wish to receive these communications, you may call us, or email us support@voltlending.com, and we will remove you from future marketing communications.
Online Links to Other Sites
You can link to the websites of third parties that provide useful information/services. Any Personal Information you provide on the linked pages is provided directly to this third party and is subject to this third party’s provider’s privacy policy. We advise you check these privacy policies. We do not have access to the information collected by those third party websites or by our partners. Except as described in this Privacy Policy, we are not responsible for the content or privacy practices of Third-party websites to which we or our partners link. We may connect with you, regarding the Services via Facebook or another third party platform (“Third Party Platform”). By agreeing to connect with us through a Third Party Platform you are authorizing us to collect, store, and use, in accordance with this Privacy Policy, any and all information that you agreed that the Platform could provide to us, in connection with the Services, based on your Third Party Platform settings. Your agreement takes place when you connect with us via your Third-Party Platform account.
Use of the Site/Services by Children
You must be at least 18 years of age in order to use the Site and/or Services. We do not knowingly collect personally identifiable information from children under the age of 13. In the event you become aware that somebody under the age of 13 has enrolled without parental permission, please inform us immediately
Correcting or Updating your Information.
We allow you to view the information you provided during registration and to alter any data, inaccuracies or errors. To request such access, or correct, update, or amend your personal information please contact us at the following email address, postal address or telephone number: Email address: support@voltlending.com Phone: 480-740-7500 Postal Address: 2425 E. Camelback Rd | Ste 150 | Phoenix, AZ 85016
We will retain your information for as long as your account is active or as needed to provide you Services. If you wish to request that we no longer use your information to provide you Services, please contact us at the email address, postal address, or telephone number listed above. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Communications
We may send you email, text and social media messages (including but not limited to Facebook or Twitter) or contact you via telephone calls or direct mail. By accepting the Terms and Conditions for the Site or Services (including the terms of this Privacy Policy which are incorporated therein) or using the Site or Services, you affirmatively consent to receive such commercial messages on an on-going basis throughout your use of the Site or Services. As a registered member, you can remove your personal information from our mailing list and stop receiving future communication from us by following the unsubscribe link located at the bottom of each communication or by emailing us at support@voltlending.com You will also be given the opportunity to unsubscribe from commercial messages in any such email we send. Please note that we reserve the right to send you service-related communications, including service announcements and administrative messages, relating to your transactions on this Site or Services, without offering you the opportunity to opt out of receiving them unless you cancel your account. Please note that you may still receive information from third parties to whom Volt may have disclosed your Personal Information prior to your opt-out. If you no longer wish to receive information from such third party, please contact them directly.
We may contact you via phone call (if you have provided us with it), voicemail, email or media messages regarding the Site or Services. We may contact you by the telephone number you provided us even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list. If you would rather not receive telephone calls from us, you may change or delete your number from your account preferences page(s) or ask to be removed from our contact list if you receive a call from us.
Other Uses or Transfer of Your Information
We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity, behavior or digital content of any user suspected to have engaged in illegal or infringing behavior.
We may use subcontractors that are located in countries other than your own, and send them information we receive. All our subcontractors will be subject to non-disclosure and non-use obligations. Nevertheless, some countries may have levels of protection of personal and other information which are not as high as in your country of residence or business. We may transfer our databases containing your Personal Information if we sell our business or part of it.
Protecting your Information
Our goal is to protect the personal information you submit to us through this Website and App both in transmission and once received. We and our service providers have implemented technical and organizational measures designed to protect against loss or unauthorized access, disclosure, alteration or destruction of the information you provide on our Website. Despite these efforts, no security measures, however thorough, are perfect. Accordingly, we do not guarantee the security of the information you provide to us.
Data security is achieved through technical safeguards that include a combination of firewalls, intrusion detection system, malware detection system, and data loss prevention systems. Volt also conducts vulnerability scans of applications and systems regularly.
Some features of our security program include:
Secure Data Center
Volt uses an industry leading infrastructure service provider for its computing infrastructure needs. Volt’s cloud infrastructure facility (provided through the service provider) is enabled with encryption and data protection capabilities for the systems and services we develop and/or deploy within. Volt’s infrastructure provider is SOC 1, SOC 2, and SOC 3 compliant.
Physical access to the data center is strictly controlled and we use threat prevention technologies such as network and web application firewalls, VPN, antivirus, intrusion detection systems, web filtering and antispam technologies.
Website Security Certificates
Volt equips all customer facing services with an Extended Validation (EV) Secure Socket Layer (SSL) certificate to facilitate secure data transmission. Once on our system, personal information can only be read or written through defined service access points, the use of which is password protected.
Session Time-Outs
We employ session time-outs to protect your account. You will be logged out of the Website or App automatically after a specified period of inactivity. This time-out feature reduces the risk of others being able to access your account if you leave your computer unattended.
Passwords
You should always choose a password that is difficult for others to guess and change your password frequently. At a minimum, we require the use of both numbers and letters in your password. We have also instituted a process by which you can regain access to your account should you forget your password.
You should never share your password with anyone. Your password is not known to any Volt employee or third party, and we will never ask for your password by phone or email. If you ever receive a communication claiming to be from Volt that asks for your password, you should immediately report it by contacting us at security@voltlending.com .
Security Awareness Training
We conduct security awareness training for all staff at least annually and provide additional training on Volt privacy and security-related policies and procedures for personnel that have access to sensitive information. We instruct staff that access must be used only in adherence with the principles set forth in this Policy and applicable laws, and for no other purpose. Personnel who misuse customer information are subject to disciplinary action.
Additional Steps You Should Take to Ensure the Security of Your Information
Secure your Email Account and User ID. Volt sends important communications regarding your account via email. You should therefore take steps to secure and restrict access to your email account and change your email account password frequently. If your email address changes, you should promptly update your contact information on our Website, or contact Customer Service at (480) 740-7500.
You should not include any personally identifying information in your Volt User ID. We are not responsible for any personal information that you may choose to reveal in your User ID.
Beware of suspicious emails. You should also be aware of fraudulent emails known as “phishing,” from companies claiming to be Volt and requesting your login information or other account information. Volt will never ask for your login information in an email.
Removed Cache Files. When you are finished using our Website, you should log out completely, then close the browser window and clear the browser’s cache files. This step is particularly important if you use a computer that is accessed by other people, such as in a public library. Create Strong Passwords. You should use passwords that are at least 10 characters long and contain letters, numbers, and symbols.
Additional Policy Disclosures
We reserve the right to modify this Privacy Policy at any time, without advance notice. If we make any material change to this Policy, we will update our Website to include such changes. We recommend that you review this Website regularly for updates to our Privacy Policy.
Changes
We may update this Privacy Policy from time to time and to notify you by publishing an updated version on the Site – we encourage you to review it periodically.
Comments, Questions or Complaints
If you have any comments or questions about our privacy policy, please contact us at support@voltlending.com
Wondering what, why, how?
Drop us a line and we’ll get back to you. Urgent questions you need answer to?
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Email info@voltlending.com or contact us via our Volt Chat
