We Take Your Privacy Seriously


Welcome to beWell by FTL Finance (“beWell”). beWell offers patients and their providers a means of applying for and (subject to approval) obtaining financing for medical procedures through FTL Finance (“FTL” or “we” or “our”). This Privacy Policy contains our current policies and practices with regard to the Personal Information provided by beWell users and applicants for FTL financing (“you” or “your”). Your privacy is important to us. Please read this Privacy Policy carefully to understand our practices and your rights.

Federal law requires us to tell you how we collect, share and protect your Personal Information, and your rights to opt out of information sharing under certain circumstances. We are committed to protecting that Personal Information.


Personal Information


Personal Information” is information that identifies a natural person, such as a name, street address, e-mail, social security number, and phone number. Personal Information does not include Non-Personal Information as provided in “NonPersonal Information and Cookies”.

beWell is not designed for children. We do not offer information of interest to children, nor do we knowingly collect or solicit Personal Information from children under the age of 13.


How We Collect Your Personal Information


This Privacy Policy only applies to Personal Information that you voluntarily disclose to us through beWell or that you permit our agent to collect on your behalf and provide to us as part of the beWell financing application process. You attest that if you have permitted our agent to collect your Personal Information for financing through beWell you have given that agent your prior written consent to do so. In addition, you may permit a third party acting on your behalf to disclose your Personal Information to us through beWell as part of the credit application process. You attest that if a third party discloses your Personal Information to us you have given that third party your prior written consent and full authority to do so. You hereby release FTL from any liability as a result of the use and disclosure of your Personal Information by us, our agent, or any third party acting on your behalf. You are not obligated to provide Personal Information in order to use beWell for informational purposes. We may collect your Personal Information through any of the following means:


  • Information provided during initial user registration
  • Forms, applications, or other information submitted by you or a third party acting on your behalf
  • Your requests for information, services, or technical support
  • Our responses to your requests
  • Your responses to our requests for additional information or survey participation
  • Records and copies of correspondence between us
  • Details of transactions handled through beWell, including financial information
  • Search queries


How We Use Your Personal Information


We use the Personal Information you provide through beWell to assess your credit and your credit application, and approve or decline your credit application. We may use your Personal Information in the normal course of providing our services to you, including credit applications, responding to inquiries, and providing technical support.


How We Share Your Personal Information


We may share your Personal Information with credit bureaus and/or any related business entity to secure credit information. If we decline your application, we may forward your credit application to unaffiliated third party lenders for their review and possible approval. An unaffiliated third party lender may approve or decline your credit application in its sole and absolute discretion. You release FTL from any liability arising from the review by an unaffiliated third party lender of your Personal Information in connection with your credit application, and from FTL’s or an unaffiliated third party’s decision to approve or decline your credit application. We do not share your Personal Information with any third parties for marketing or solicitation purposes. You acknowledge and agree that we may use and share your Personal Information as described in this Privacy Policy, including with unaffiliated third party lenders. You may opt-out of having your Personal Information shared with unaffiliated third party lenders as provided in “Right to OptOut and Update”.


NonPersonal Information and Cookies


We collect non-personally identifiable information in the aggregated form that, by itself, does not allow an individual to be identified (“NonPersonal Information”) through the use of General Tracking Information and Click Path Tracking (cookie technology) described below.


General Tracking Information


Our web server automatically tracks pages visited by our users and collects some user information such as your IP address. Your IP address is a number that is used by computers connected to the Internet to identify your computer so that data (such as the web pages you request) can be sent to you. We aggregate this data with data on the pages visited by other users to track overall visitor traffic patterns so that we can improve beWell by making it more responsive to the needs and preferences of our users. This information does not identify you personally.


Click Path Tracking


We use technologies — such as cookies, beacons, tags, and scripts — to analyze trends, administer beWell, track users’ movements around beWell, and gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies on an individual as well as an aggregated basis.

We gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically generated log information with Personal Information and Non-Personal Information we collect in order to improve the services we offer through beWell and to help improve its functionality.


Protecting Your Personal Information


We use personal data for fraud prevention purposes and adhere to data protection requirements. To reduce the possibility of unauthorized access or disclosure, we have put in place a number of physical, electronic, and managerial procedures to help protect the information we collect through beWell. In addition, we use standard Secure Sockets Layer (SSL) certificates to secure all pages used for collecting and transmitting Personal Information. However, due to the open communication nature of the Internet, no system can be completely secure, and we cannot guarantee the security of your Personal Information.


Links to Third Party Websites


beWell may display hyperlinks (links) that when clicked on, will connect you to third party websites (“Third Party Sites”). beWell provides these links to you as a convenient method of accessing information that may be useful or of interest to you. This Privacy Policy and the practices that we follow under this Privacy Policy apply only to bewellftl.com, and do not apply to Third Party Sites. Should you choose to visit any Third Party Sites, please remember that beWell is not responsible for these Third Party Sites’ content, terms of use or privacy policies. We encourage you to read all terms of use and privacy policies and review the practices of all Third Party Sites that you visit.




Subject to your right to opt-out under the circumstances described below, by using beWell, you consent to our use of your Personal Information as described in this Privacy Policy. FTL may change the terms of this Privacy Policy in its sole discretion from time to time, and will update the date of this Privacy Policy accordingly. Please check the terms of this Privacy Policy for updates. Your continued use of beWell means that you consent to the terms of this Privacy Policy then in effect.


Right to OptOut and Update


You may request that we cease sharing your Personal Information with unaffiliated third party lenders by notifying us of your desire to opt-out of this service. In addition, you may choose to limit the type of information or requests received from us. All such requests must be sent to: admin@ftlfinance.com. We will have up to 30 days to process your request. You may also update your Personal Information at any time through the registration portal.




If you have any questions about this Privacy Policy or concerns about the way the FTL uses Personal Information, please contact us at admin@ftlfinance.com.