This Privacy Policy governs how Baylor Advance Desk LLC (“Baylor Advance,” “our desk,” “we,” or “us”) gathers, encrypts, transmits, retains, and protects personal and commercial data when you interact with bayloradvance.com, verify and route a saved funding file, or correspond with our Wilmington desk.
1. Categories of Data Gathered
Depending on whether you browse informational pages or authorize a saved funding file, we process the following structured data classes:
- Identity & Contact Coordinates: Legal first and last name, residential street address, email address, telephone numbers, date of birth, state driver’s license or ID number, and Social Security Number.
- Commercial & Income Attributes: Business trade name or employer, role/title, operating tenure, gross monthly receipts or wages, deposit cadence, and active bankruptcy indicator.
- Depository Routing Coordinates: 9-digit ABA bank routing number, bank name, account category, account number, tenure, and electronic deposit status.
- Session & Attribution Telemetry: IP address, browser user-agent string, referring URL, campaign/source identifiers, consent timestamps, and E-Sign execution logs.
2. How Your File Is Used & Routed
We process collected records strictly to operate the Baylor Advance routing desk and fulfill your instructions:
- Validating identity, ABA bank routing coordinates, and residential address accuracy;
- Isolating commercial/1099 profiles onto commercial working-capital desks and routing salaried W-2 files to independent personal-funding providers in our network;
- Enabling returning-applicant index lookups on our Saved File Desk so verified users avoid re-typing full records;
- Delivering transactional notices, E-Sign confirmations, and—only where authorized—email communications;
- Preventing synthetic identity fraud, enforcing security controls, and satisfying federal and state recordkeeping rules.
3. Sharing With Network Providers & Vendors
When you authorize an intake on Baylor Advance, we transmit relevant file fields over encrypted channels to specialist commercial receivables underwriters or independent third-party finance providers so they can evaluate whether to present an offer. Once a matched provider receives your file, its handling of your data is governed by that provider’s own privacy notice. We also utilize vetted infrastructure vendors (hosting, ABA/address directory verification, fraud screening, and telecommunications gateways) bound by written confidentiality obligations.
4. Cryptographic & Operational Safeguards
All browser-to-desk traffic runs exclusively over TLS 1.3 / HTTPS, and sensitive fields at rest are protected via AES-256 encryption, role-restricted access controls, and stripped PII passthrough rules. While no internet system can guarantee absolute immunity against every conceivable threat, we engineer our desk to financial-grade security standards.
5. GLBA Financial Privacy & State Privacy Rights (CA, VA, CO, CT, TX & Others)
Data collected in connection with financial routing may be subject to the federal Gramm-Leach-Bliley Act (GLBA). For data outside GLBA exemptions, residents of California (CCPA/CPRA), Virginia, Colorado, Connecticut, Texas, Oregon, and other states with consumer privacy statutes may exercise statutory rights—subject to identity verification and legal retention duties—to:
- Request disclosure of the specific categories and pieces of personal information we hold;
- Request correction of inaccurate records or deletion of eligible personal data;
- Opt out of third-party marketing sharing or promotional dispatches via /unsubscribe or by contacting our privacy officer below;
- Exercise privacy rights without discriminatory treatment.
6. Cookies & Session Storage
Baylor Advance uses lightweight first-party session state and URL attribution parameters to preserve progress across intake stages and measure referral performance. We do not deploy invasive cross-site keystroke trackers, and you may clear browser cookies at any time.
7. Retention & Minor Protection
Baylor Advance services exclusively adults aged 18 and older and never knowingly collects records from minors. Intake logs and E-Sign audit trails are retained only for the duration necessary to fulfill servicing, fraud-prevention, and statutory compliance schedules.
8. Contact the Wilmington Privacy Desk
To submit a privacy inquiry, data access request, or suppression instruction, contact:
Baylor Advance Desk LLC — Privacy Compliance
800 N King St, Suite 304, Wilmington, DE 19801
Phone: (888) 614-2930 · Email: [email protected]