Privacy Policy

This Privacy Policy explains how Clear Factor Solutions, operated by Othello Capital LLC, collects, uses, shares, and protects information about visitors to our website at www.clearfactorsolutions.com. By using the Site, you agree to the practices described in this policy.

1. Information We Collect

1.1 Information You Provide

We collect information you voluntarily provide when you:

• Submit a contact form (name, email address, message content)
• Complete our factoring match quiz (responses to quiz questions)
• Subscribe to our newsletter or blog updates (email address)
• Send us an email or otherwise communicate with us directly

1.2 Information Collected Automatically

When you visit the Site, we automatically collect certain technical information through cookies and similar technologies, including:

• IP address and approximate geographic location (country/region level)
• Browser type and version
• Device type and operating system
• Pages visited, time on page, and clickstream data
• Referring URL (how you arrived at our Site)
• Date and time of your visit

1.3 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to operate the Site and understand usage patterns. Cookies may be:

• Essential cookies: Required for the Site to function properly
• Analytics cookies: Used to understand how visitors interact with the Site (e.g., Google Analytics)
• Affiliate tracking cookies: Used to attribute referrals to our affiliate partners when you click through to a factoring company's website

You may control or disable cookies through your browser settings. Note that disabling certain cookies may affect Site functionality.

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide customer support
• Deliver quiz results and factoring company recommendations
• Send newsletters, updates, or educational content you have opted into
• Analyze Site traffic and usage to improve content and user experience
• Track affiliate referrals and calculate commissions owed to us by partner companies
• Detect, prevent, and respond to technical issues, fraud, or abuse
• Comply with applicable laws and legal obligations

3. Affiliate Relationships & Commercial Disclosure

Clear Factor Solutions may earn affiliate commissions when users click links to factoring companies and subsequently enroll in their services. Affiliate relationships do not influence our rankings, scores, or editorial content. Our evaluation methodology is determined independently of commercial relationships.

Where affiliate relationships exist with companies we review, we disclose this on the relevant review page. This disclosure is consistent with FTC guidelines on endorsements and testimonials (16 C.F.R. Part 255).

4. How We Share Your Information

We do not sell your personal information. We may share information in the following limited circumstances:

• Service providers: Third-party vendors who assist us in operating the Site (e.g., email services, analytics providers, web hosting). These parties are contractually prohibited from using your data for their own purposes.
• Affiliate partners: If you click a link to a factoring company's website, that company's own privacy policy governs how they collect and use your information. We are not responsible for third-party privacy practices.
• Legal requirements: We may disclose information when required by law, court order, or government authority, or to protect the rights, safety, or property of Clear Factor Solutions, our users, or the public.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will provide notice before your information is transferred and subject to a different privacy policy.

5. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, including to comply with legal obligations, resolve disputes, and enforce agreements. Contact form submissions are typically retained for up to 3 years. Analytics data is retained per the default settings of our analytics provider (currently 26 months for Google Analytics 4).

6. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to certain legal exceptions
• Opt-out of marketing: Unsubscribe from marketing emails at any time using the unsubscribe link in any email we send
• Data portability: Request your data in a structured, machine-readable format where technically feasible
• Do Not Sell / Share (CCPA): California residents may opt out of the sale or sharing of personal information. We do not sell personal information, but you may submit a formal request using the contact information below.

To exercise any of these rights, please contact us at info@clearfactorsolutions.com. We will respond within 30 days (or as required by applicable law).

7. Children's Privacy

The Site is not directed at children under the age of 13, and we do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 13 without parental consent, we will promptly delete it. If you believe we may have inadvertently collected such information, please contact us immediately.

8. Security

We implement commercially reasonable technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. However, no internet transmission or electronic storage system is 100% secure. We cannot guarantee absolute security of your data.

9. Third-Party Links

The Site contains links to third-party websites, including factoring companies we review. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policy of any website you visit before providing personal information.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the Last Updated date at the top of this page and, where appropriate, provide additional notice. Your continued use of the Site after any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have questions, concerns, or requests related to this Privacy Policy, please contact us: