Privacy Policy

1. Introduction

Welcome to Invoice Factoring Xchange (“IFXI,” “we,” “us,” or “our”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://ifxi.com (the “Site”) and use our invoice factoring, financing, and related business funding services (collectively, the “Services”).

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

2. Information We Collect

Because we provide financial and factoring services, we collect both standard website data and specific business/financial data necessary to evaluate your eligibility for funding.

A. Personal and Business Information When you apply for our Services, request a quote, or contact us, we may collect:

  • Contact Data: Name, email address, phone number, and physical address.

  • Business Data: Company name, DBA, entity type, industry, time in business, and monthly revenue.

  • Financial Data: Bank statements, accounts receivable aging reports, customer/debtor information, invoices, and tax ID/EIN.

  • Identity Verification: Government-issued ID, Social Security Number (for personal guarantees or background checks, if applicable), and ownership details.

B. Automatically Collected Data When you access the Site, we automatically collect certain information, including:

  • Device and Usage Data: IP address, browser type, operating system, pages viewed, referring URLs, and time spent on our Site.

  • Cookies and Tracking Technologies: We use cookies, web beacons, and similar tracking technologies to improve user experience, analyze site traffic, and for marketing purposes.

3. How We Use Your Information

We use the information we collect primarily to provide, maintain, and improve our financing services. Specifically, we may use your data to:

  • Evaluate your eligibility for invoice factoring, asset-based lending, and other funding products.

  • Process transactions and fund approved invoices.

  • Conduct underwriting, credit checks, and risk assessments on your business and your account debtors.

  • Communicate with you regarding your application, account status, and customer support inquiries.

  • Send you marketing and promotional communications (you may opt-out at any time).

  • Prevent fraud, monitor against theft, and protect our legal rights.

  • Comply with applicable legal and regulatory requirements.

4. How We Share Your Information

We do not sell your personal or business information to third parties. However, we may share your information in the following situations:

  • Service Providers: We may share data with third-party vendors who assist us with underwriting, credit reporting, payment processing, IT hosting, and email delivery.

  • Account Debtors: As part of the invoice factoring process, we may contact your customers (account debtors) to verify invoice validity and facilitate payment redirection.

  • Business Transfers: If IFXI is involved in a merger, acquisition, or sale of all or a portion of its assets, your information may be transferred as part of that transaction.

  • Legal Obligations: We may disclose your information if required to do so by law, subpoena, or in response to lawful requests by public authorities.

5. Cookies and Third-Party Tracking

If you leave a comment on our site, you may opt-in to saving your name, email, and website in cookies for convenience. We also use temporary and persistent cookies to keep you logged in and track website analytics.

Articles on this site may include embedded content (e.g., videos, images). Embedded content from other websites behaves in the exact same way as if you visited the other website, and these third parties may collect data about you and use their own cookies.

6. Data Security

We implement administrative, technical, and physical security measures designed to protect your personal and financial information. However, please be aware that no security measures are perfect or impenetrable, and no method of data transmission over the Internet can be guaranteed against any interception or other type of misuse.

7. Data Retention

We retain your information for as long as your account is active or as needed to provide you Services, comply with our legal obligations (such as tax and accounting laws), resolve disputes, and enforce our agreements.

8. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal data, including the right to:

  • Request access to the personal data we hold about you.

  • Request correction of inaccurate or incomplete data.

  • Request deletion of your data (subject to legal and contractual restrictions).

  • Opt-out of marketing communications.

To exercise these rights, please contact us using the information provided below.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal reasons. We will notify you of any material changes by posting the updated policy on this page and updating the “Last Updated” date.

10. Contact Us

If you have questions or comments about this Privacy Policy or how we handle your data, please contact us at:

Invoice Factoring Xchange (IFXI)