Privacy Policy

Privacy Policy

This Privacy Policy explains how VESTLO LLC, a, Illinois limited liability company, our web site at www.VestLo.com (including any subdomain thereof; the “Site“) and any of our subsidiaries and affiliates, (collectively, “VestLo,” “we,” or “us“) collects and protects your personal information. If you have any questions that this policy does not address, please contact us at info@VestLo.com.

As explained below, we collect information from you in various ways when you use, view or interact with our Site. By using our Site, you consent to our collection and use of information as explained in this Privacy Policy and agree to be bound by our Terms of Use. Please note that if you choose to invest in any offering advertised on our Site, you may be required to enter into a separate agreement, including, but not limited to, new or additional privacy notices or terms of use.

COLLECTION OF INFORMATION

VestLo collects non-personally identifiable information from you regarding your usage of our Site (such information, “Non-Personally Identifiable Information”). Non-Personally Identifiable Information may include, without limitation, website pages viewed, articles, presentation and videos viewed, time spent using certain features of the Site, demographic data such as server locations, cookies existing on your computer, search criteria used and results, date, time, connection speed, and other information which does not specifically identify you. We collect this information using various technologies, including, but not limited to, cookies and server logs. “Cookies” are pieces of information that may be placed on your computer by a website for the purpose of facilitating and enhancing your communication and interaction with that website. “Server logs” can be either a single log file or several log files automatically created and maintained by a server of activity performed by the server, which can include information about any transaction you conduct with the server.

VestLo also collects information from you when you sign up for an Account (as defined in our Terms of Use), make an investment, verify your identity, residency or qualification as an “Accredited Investor” (as defined in our Terms of Use), provide payment instructions or send us an email or other communication through the Site which may enable us to identify you personally, such as your email address, name, phone number, birthday, age, Social Security number and/or taxpayer identification number, investment objectives, investment experience, assets and income, information from your transactions with us, such as your Account balance and Account usage, information obtained from others, such as the Internal Revenue Service (IRS) and credit reporting agencies, physical address such as home or business address, or internet protocol (‘IP’) address, which may also be contained on server logs, or other information you provide or upload to the Site such as photographs, answers to questionnaires or surveys, or responses filled in on blank forms made available on the Site (“Personally Identifiable Information”; and collectively with the Non-Personally Identifiable Information, the “Data”). We may also collect and store information, which could include Non-Personally Identifiable Information or Personally Identifiable Information, locally on your computer or device using mechanisms such as browser web storage or application data caches.

We use analytics programs and service providers, such as Google Analytics, which can use first party cookies to report on your interactions with the Site. Google Analytics collects information including, but not limited to, the time of each of your visits to the Site, whether you have visited the Site before, what website referred you to the Site, and what pages you viewed on the website.

We may also have access to your Personally Identifiable Information when you log into our website through certain third party social networking services, including Facebook, LinkedIn, Twitter and Internet Chat (“Third Party Services”). We encourage you to carefully review the privacy policies of any Third Party Services from which you access our Site.

This Privacy Policy does not cover the collection of information by cookies or other methods by third parties, such as our business partners or third party service providers who provide services through our Site. We do not control how such third parties collect information or by what means as such third parties may use their own cookies to collect information about you.

USE OF INFORMATION

VestLo will use information you provide consistent with this Privacy Policy. VestLo will use information you provide to us, including Non-Personally Identifiable Information or Personally Identifiable Information, to better serve you and enhance your experience with the Site, among other things. This may include having to modify or copy such information, such as images or textual or narrative content you provide, in order to provide you with a seamless and enjoyable experience.

Toward these ends, you consent to our use and disclosure of any information submitted to us via the Site, or information collected when you access the Site in any manner, and you acknowledge that you have no expectation of privacy, confidentiality or privilege in such information.

VestLo will use Non-Personally Identifiable Information and Personally Identifiable Information: (a) to market our products and services to you (including without limitation, one or more of our “Services,” as defined in our Terms of Use); (b) to provide services and products requested by you (including without limitation, one or more of our Services); (c) to enable our vendors and contractors to provide and assist us in the marketing, operation, troubleshooting and analysis of our Site and other services (including without limitation, one or more of our Services); (d) to meet any regulatory requirements for the offer or sale of securities required by law, rules or regulations to our affiliates or members; (e) to engage in any other lawful activities we believe are consistent with the foregoing; and (f) to protect against legal liability. We may provide any of our Services through third parties, which may necessitate sharing Personally Identifiable Information and Non-Personally Identifiable Information with them.

If you provide Data for a certain reason, we may use the Data in connection with the reason for which it was provided. For instance, if you contact us by email, we will use the Data you provide to answer your question or resolve your problem. VestLo may also use your Data and other personally non-identifiable information collected through our Site to help us improve the content and functionality of our Site, to better understand our users and to improve our Services. VestLo may use this information to communicate with you regarding our Services or to tell you about services we believe will be of interest to you. If at any time you wish not to receive any future marketing communications or you wish to have your name deleted from our mailing lists, please contact us as indicated below. Note however that as user of our Services we will send you administrative communications that are reasonably necessary to our Services, such as billing or service notifications.

VestLo may make your information, including Non-Personally Identifiable Information or Personally Identifiable Information, available on its Site and visible to other users of or visitors to the Site. For instance, information you provide about yourself in response to questionnaires on our Site may be made available to others such as information concerning your status as an Accredited Investor. As such, other users of our Site may be able to personally identify you based on your information made available on our Site. As a further example, if you utilize Third Party Services to log into our Site, other users to whom you may be connected to through such Third Party Service may be able to view or follow information about you on our Site, including Non-Personally Identifiable Information or Personally Identifiable Information.

VestLo employs or contracts with other third parties, companies, or individuals to perform certain functions or services on its behalf. Examples of these services from such third parties, companies, or individuals, may include ID verification, accreditation/financial/credit verification, electronic document signing, payment storing and processing, sending postal mail and e-mail, escrow services, disbursement of funds, analyzing data, providing marketing assistance, and providing customer service. As such, these third parties, companies, or individuals may have access to your information, including Non-Personally Identifiable Information or Personally Identifiable Information, as needed to perform their functions or services, and may not use it for other purposes.

VestLo may also use and disclose Personally Identifiable Information and Non-Personally Identifiable Information: to investigate and help prevent potentially unlawful activity or activities that threaten the integrity of our Site or network; to protect and defend our rights or property or the rights or property of others; as required by courts or administrative agencies; and in connection with a financing, sale, merger, or reorganization of VestLo’s business or assets. Any successor in interest to our business would acquire the information we maintain, including Personally Identifiable Information, and may alter the terms of this Privacy Policy.

We might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Data may be part of the transferred assets and you will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information. We may also share your Data with our affiliates for purposes consistent with this Privacy Policy.

VestLo may disclose your Data if required to do so by law or in the good faith belief that such action is necessary to: (a) comply with a legal obligation; (b) protect and defend the rights or property of VestLo; (c) act in urgent circumstances to protect the personal safety of users of the Site or the public against fraud or other harm; or (d) protect against legal liability.

Notwithstanding anything contained in this Privacy Policy to the contrary, VestLo does not and will not sell any of your information, including Non-Personally Identifiable Information or Personally Identifiable Information, to any third party for purposes of advertising, soliciting, or telemarketing.

THIRD PARTY WEBSITES AND SERVICES

Our Site contains links to other websites and services not maintained by VestLo. In addition, other websites and services may also reference or link to the Site. We encourage you to be aware when you enter or leave our website, or surf the Internet, and to read the privacy statements of each website and service that you visit. We do not endorse, screen, or approve, and are not responsible for the privacy practices or the content of, other websites or services.

MESSAGING

Our Site permits users to communicate with companies and other users posting information on the Site. We may read, collect and analyze information transmitted between users for regulatory compliance and marketing purposes. However, as explained in our Terms of Use, we do not guarantee that information provided by Site visitors or investors is accurate or complete. VestLo assumes no liability or responsibility for any errors or omissions in the content of its Site.

EXCLUSIONS

This Privacy Policy does not apply to any Data collected by VestLo other than Data collected through the Site. This Privacy Policy shall not apply to any unsolicited information you provide to VestLo through the Site or through any other means. This includes, but is not limited to, information posted to any public areas of the Site, such as bulletin/message boards (individually and collectively, the “Public Areas”), any ideas for new products or modifications to existing products, and other unsolicited submissions (individually and collectively, “Unsolicited Information”). All Unsolicited Information shall be deemed to be non-confidential and VestLo shall be free to reproduce, use, disclose, distribute and exploit such Unsolicited Information without limitation or attribution.

TESTIMONIALS

We may display personal testimonials of satisfied customers on our Site in addition to other endorsements. With your consent we may post your testimonial along with your name and other information. If you wish to update or delete your testimonial, please contact us at info@VestLo.com.

SOCIAL MEDIA FEATURES

You can log in to our Site using sign-in services such as Facebook, Twitter or LinkedIn. These services will authenticate your identity and provide you the option to share certain personal information with us such as your name and email address to pre-populate our sign up form. Services like Facebook give you the option to post information about your activities on this Site to your profile page to share with others within your network. Our Site may also include social media features such as the Facebook “Like” button, Twitter, and similar features. These features are interactive mini-programs and may collect your IP address, which page you are visiting on our Site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these features are governed by the privacy policy of the company providing it.

OPT-OUT POLICY

We may at times send you e-mail communications with marketing or promotional materials. If you prefer not to receive such marketing or promotional e-mails from us, you may unsubscribe completely by emailing us at: info@VestLo.com. Please note that opt-out requests may take up to one (1) week to process. Please also note that at times we may need to send you e-mail communications that relate to your Account and/or are transactional in nature, such as service or termination announcements or payment confirmations, which are communications you will not be able to opt-out of.

You will be able to modify the information concerning your Account by visiting your profile page and editing any information you wish to change. You will be able to change your e-mail address, password, contact information, or other log in information by visiting your Account’s settings page subject to Site policy. If you wish to delete your Account or need help modifying Account information, please contact us at info@VestLo.com.

Through your Account settings you will be able to set certain preferences and permissions regarding the visibility of your information, including Non-Personally Identifiable Information or Personally Identifiable Information, to others. You may stop or restrict the placement of VestLo’s cookies, Google’s cookies and third party cookies on your computer by adjusting your web browser preferences or a ‘Do Not Track’ setting in your web browser. If you do so, you may still use our Site, but this may interfere with some of its functionality.

You may also clear cookies from your computer via your web browser settings. You may also wish to use a Google Analytics opt-out web browser add-on. Information on this option is available from Google.

If you would like us to remove your Personally Identifiable Information from our database, please send a request to: info@VestLo.com.

We are not responsible for removing your Personally Identifiable Information from the lists of any third party who has previously been provided your information in accordance with this notice.

SECURITY

We use reasonable efforts to secure access to Personally Identifiable Information in our possession, including bank-level encryption, support instant identification and Account verifications, and may partner with third party providers that provide monitoring to ensure that you have a safe experience on VestLo, but will not be liable for any failure to safeguard such information, whether inadvertent or otherwise. Personally Identifiable Information is also stored with third parties who have informed us that they also use reasonable efforts to secure access to Personally Identifiable Information, but we will not be liable for the failure of any third party to safeguard Personally Identifiable Information, whether inadvertent or otherwise.

We protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input. Wherever appropriate, we obfuscate and/or encrypt information in our systems and/or during information transfer. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

We utilize third party service providers who may store on their servers social security numbers, addresses, financial information, electronic signatures, and payment information. For your security, we only display the last four digits of your bank account information when confirming an investment.

It is important for you to protect against unauthorized access to your password and to your computer. Be sure to log off when finished using a shared computer.

CHILDREN’S PRIVACY POLICY

Our Site is not intended for use by children, especially those under age thirteen (13) years of age. No one under age thirteen (13) years of age is allowed to use the Site, provide any personal information or receive our email distributions. We do not knowingly solicit or collect Personally Identifiable Information from children or teenagers under the age of thirteen (13). If you believe that a minor has disclosed Personally Identifiable Information to VestLo, please report this to us immediately by emailing us at: info@VestLo.com.

CHANGES TO THIS PRIVACY NOTICE

We reserve the right, in our sole discretion, to change, modify, add, or remove portions of this notice at any time. Any changes or updates will be effective immediately upon posting to the Site and sending a notification to all registered users via email regarding such update. You should review this notice regularly for changes, and can determine if changes have been made by checking the Effective Date above. Your continued use of our Site following the posting of any changes to this notice means you accept such changes.

 GOVERNING LAW; VENUE AND JURISDICTION; ARBITRATION

By visiting or using the Site and/or the Services, you hereby:

  • agree that the laws of the State of Illinois, without regard to any principles of conflict of laws that would require or permit the application of the laws of any other jurisdiction, will govern these Terms of Use and all matters related to your use of the Site and the Services;
  • irrevocably agree to submit to personal jurisdiction in Illinois for all purposes; and
  • to the maximum extent permitted by law, irrevocably waive any objection you may now or hereafter have to the laying of venue in the state of Illinois and/or that any claim or action brought in a court of competent jurisdiction in the state of Illinois has been brought in an inconvenient forum; and
  • to the maximum extent permitted by law, irrevocably waive any right you may now or hereafter have to a trial by jury for any matter related to these Terms of Use and/or your use of the Site or the Services.

Unless otherwise elected by VestLo (in its sole discretion), any dispute arising out of or relating to the use of the Site and/or Services (including without limitation, these Terms of Use, or any breach thereof), shall be finally resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, or such arbitration body as required by law, rule or regulation, and final judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction.  The arbitration will be conducted in the English language before a single arbitrator in Illinois.  Such arbitration must be commenced within one (1) year after the claim or cause of action arises.

Notwithstanding the foregoing, you acknowledge that VestLo hereby reserves the right (in its sole discretion and upon notice to the other party(ies)) to require that any dispute arising out of or relating to the use of the Site and/or Services (including without limitation, these Terms of Use, or any breach thereof) be commenced in any court of competent jurisdiction in Cook County, Illinois, or in the District Court of the United States in the Northern District of Illinois.

VestLo.com is a website operated by VESTLO, LLC, an Illinois limited liability company (“VestLo”). Neither VestLo, nor any of its agents or representatives, provide any investment advice or make any investment recommendations to any persons, ever, and no communication through this website or in any other medium should be construed as such. By accessing this website and any pages thereof, you agree to be bound by our Terms of Service and Privacy Policy.

Investment opportunities posted on this website are “private placements” of securities that are not publicly traded, are subject to holding period requirements, and are not intended for investors that need a liquid investment. Private placement investments are NOT bank deposits (and thus NOT insured by the FDIC or by any other federal governmental agency), are NOT guaranteed by VestLo, and MAY lose value. Neither the Securities and Exchange Commission (SEC) nor any federal or state securities commission or regulatory authority has recommended or approved any investment or the accuracy or completeness of any of the information or materials provided by or through the website. Investors must be able to afford the loss of their entire investment.

Any financial projections or returns shown on this website are illustrative examples only, and there can be no assurance that any valuations provided are accurate or in agreement with market or industry valuations. Additionally, please note that past performance is not indicative of future performance. Any investment information contained herein has been secured from sources VestLo believes are reliable, but we make no representations or warranties as to the accuracy of such information and accept no liability therefor. Offers to sell, or the solicitations of offers to buy, any security can only be made through official offering documents that contain important information about risks, fees and expenses.

Users of this website are responsible for doing your own due diligence before making a decision to invest and are not permitted to, and should not, rely on the financial assumptions or estimates displayed on this website. Further, users of this website are strongly advised to consult their own counsel, accountant, investment advisor or manager, and/or business advisor, as to the legal, tax, and related matters concerning any potential investment opportunities presented on this website.

Unless otherwise specifically identified on this website with respect to a particular offering the securities listed on this Site may only be purchased by residents of the State of Illinois and only individuals who have their primary residence in the state of Illinois, and entities who are formed and qualified to do business in Illinois, will be permitted to access offering information with respect to, and will be permitted to participate in, the offerings listed on the website. Without limiting the generality of the forgoing, Unless otherwise specifically identified on this website with respect to a particular offering the securities listed on this Site, THE OFFERING MATERIALS PROVIDED ON THE SITE WITH RESPECT TO ANY OFFERING ARE NOT INTENDED TO, AND DO NOT, CONSTITUTE AN OFFER OR SOLICITATION TO ANYONE WHO IS NOT A RESIDENT OF THE STATE OF ILLINOIS.