Legal Statement

Please note that the information presented on these pages is for informational purposes only and is not a substitute for professional medical, legal, tax or other advice.

MedSpa Financing (or it's affiliates: MediSpa Financing.com, Oakridge Financial Group, Oakridge Healthcare, Oakridge Leasing) shall not be liable to you or anyone else for any loss or injury caused in whole or in part by your use of this website, or for any decision you make or action you take in reliance on information you received from this site.

This site contains links to other sites as a convenience. The information, products and advertisements contained in the linked sites are neither approved nor endorsed by us and we are not responsible for such content, products or advertisements. We do not accept compensation from equipment or service provider that may be linked to our web site. Additionally, we are not responsible for the privacy practices of other sites. You are encouraged to be aware when you leave our site to read privacy statements of each and every website that collects personally identifiable information. The privacy statement on this website applies solely to information collected by this site.

If you submit an electronic message to us, please understand that you do so at your own risk, as such messages may not be secure. If you choose to send any confidential information to us via email, you accept the risk that a third party may intercept this information. We strive to respond to all email requests in a timely manner but do not guarantee response to all inquiries. You assume responsibility for any liability arising from such electronic submission. You further agree to release and hold us harmless from any and all liability or cause of action arising from the interception, access or use by a third party of any information submitted electronically by you through this website or from any errors or omissions in the data you provide.

In addition, the submission of an electronic message to us does not create or constitute any relationship between you and MedSpa Financing, its directors, officers, employees, agents or representatives or create a communication to which any privilege may attach.

The text, images and graphics on this site are all subject to copyright and other intellectual property protection. These materials may not be copied or reproduced in whole or in part for any use or distribution, nor may they be modified or reposted to other sites.

In consideration for your use of and access to this website, you agree that in no event will MedSpa Financing or any other party involved in creating, producing or delivering this website or any site linked to this website, be liable to you in any manner whatsoever for any decision made or action or non-action taken by you in reliance upon the information provided through this website.

Spa and Medical Spa Statistics
Medical Spa statistics were obtained from the following associations (for web links, see the Resource section):
International SPA Association (ISAP 2003 Industry Study); International Medical Spa Association; Medical Spa Society; The American Society for Aesthetic Plastic Surgery; American Medical Association.

Privacy Policy

General Statement

At MedSpa Financing (member of Oakridge Financial Group), we recognize and value your privacy and are committed to protecting the confidentiality of both your business' and your personal information.

By accessing, using and/or downloading materials from this Site, you agree on your own behalf and on behalf of each entity on whose behalf you act to the terms of this Privacy Policy.

MedSpa Financing Privacy Principles

MedSpa Financing believes strongly in the protection of our customer's privacy and we are committed to ensuring that your commercial and personal information is appropriately safeguarded. To this end, we have adopted the following privacy principles:

• We respect all of our customer’s rights of privacy.
• We collect and use only the information needed for legitimate business uses.
• We will not disclose identifiable commercial or business information to any third parties unless there is an appropriate legal or business justification to do so.
• If we contract with any other entity to perform services which require that we share your information (for example, credit reporting agencies or our underwriters) we require that entity to maintain the confidentiality of your information.
• We employ security measures that guard access to and disclosure of customer information.

Personal information, for the purposes of this Privacy Policy, means information that identifies an individual. For example: an individual’s name, birth date, address, age, income and other financial information is personal information which MedSpa Financing , (and other entities with which it shares credit risk) (collectively “MedSpa Financing ” “we” “us” “our”) may collect, use and in certain circumstances, where necessary, disclose, in the course of providing leasing services and carrying on business. Personal information does not include the name, business title, address, phone or fax number of an employee of an organization.

This Privacy Policy may be modified from time to time. An up to date version can be obtained by contacting MedSpa Financing at the address set out below in the section called “Contacting our Privacy Officer”.

1. Consent and the Collection of Personal
Information Personal information is typically collected by MedSpa Financing about loan/lease applicants, debtors, lessees and guarantors for credit/leasing purposes, such as: (i) to assess and process credit/lease applications; (ii) to administer approved loan/leases; and (iii) to enforce any obligations owed by applicants, debtors, lessees or guarantors. MedSpa Financing consults its existing files for these purposes. MedSpa Financing updates information from time to time for these credit/leasing purposes.

Whenever practical, MedSpa Financing collects information directly from the individual concerned. In some instances and as is common in the underwriting of credit risk and in the collection of debt, MedSpa Financing verifies information and obtains information from independent sources and organizations.

MedSpa Financing obtains consent to the collection, use and disclosure of personal information, except where inappropriate. Typically, we obtain authorization from individuals to collect, use and, where necessary, disclose their personal information for credit/leasing purposes on the application for credit.

However, in many instances MedSpa Financing ’s business is conducted, and hence personal information collected, through independent brokers who act as intermediaries in obtaining credit or leasing services from MedSpa Financing . These intermediaries are responsible for their own privacy practices and for obtaining appropriate consent to the collection, use and disclosure of personal information. Individuals with questions pertaining to the personal information handling practices of such an intermediary should contact that organization directly.

2. Using Personal Information
MedSpa Financing uses personal information in accordance with the authorization provided by the individual to whom the information relates, in accordance with this Privacy Policy, its contractual rights and obligations and the law.

Personal information shall not be used by MedSpa Financing employees and representatives for purposes other than as is required in the performance of their employment duties.

3. Accuracy of Your Personal Information
We have procedures to ensure that the information we collect and use is accurate, up-to-date, and as complete as possible. However, we rely on the individuals we do business with to disclose all material information and to inform MedSpa Financing of any changes. With proof of entitlement, an individual may request to access and, if applicable, request to correct, personal information in MedSpa Financing ’s custody. See the section called “Retention and Access to Your Personal Information”.

4. Safeguarding Your Information
We apply safeguards to our computer networks and physical files and we restrict access to personal information to those MedSpa Financing employees or authorized administrators who need to know that information in order to arrange for, provide or service loans/leases and to enforce the collection of debt.

5. Disclosure of Personal Information
Personal information is sought from the individuals we do business with and exchanged with third parties for credit leasing purposes. Such third parties include references; personal information and credit reporting agents and bureaus; and other institutions with whom applicants, debtors, lessees and guarantors may each have or expect to have financial dealings. MedSpa Financing also shares information to combat fraud; where permitted or required by law; or, at the request of government regulators.

MedSpa Financing sometimes retains an affiliated company or an independent third party (“authorized administrator”) to perform on MedSpa Financings behalf, certain functions in support of the products and services MedSpa Financing provides. Such functions could include arranging for funding, underwriting or sharing of credit risk, administrative services or services in connection with the collection of debt. Accordingly, in certain instances these affiliates or third parties will be provided with personal information to the extent that it is necessary in the performance of those specific services. MedSpa Financing obligates these affiliates and third parties to use and take steps to protect personal information in accordance with the requirements of this Privacy Policy.

6. Retention and Access to Your Personal Information
Personal information is retained only for so long as is necessary to fulfill the purpose for which it was collected and to meet legal and contractual obligations. If personal information is no longer required, it will be destroyed or rendered anonymous.

If an individual has a right of access, the individual or a person authorized in writing to act on their behalf may, with satisfactory identification and proof of entitlement, request access or, if applicable, request a correction of personal information which MedSpa Financing has in its custody.

The right to access is not absolute. For example, there is no right to access and access may be declined, if the information requested is subject to a legal privilege.

A reasonable fee may be charged in advance for copying and sending requested information requested to which there is a right of access.

E-mails you send us are not necessarily secure when they are transmitted to us. If your communication is very sensitive, you may want to send it by regular mail instead.

Contact Us

In order to continually monitor and strengthen our privacy procedure, we have on staff a Privacy Manager, who can be contacted at Privacy Manager Email. Please contact the Privacy Manager if you have questions about information security, privacy and usage that were not answered here. We welcome any suggestions to our Privacy Policy.

last updated 11/25/2004