Mom and Pop Business Funding ("we," "our," or "the Company") is committed to safeguarding your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your personal and business information. By using our services or website, you agree to the terms of this Privacy Policy.
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1. Information We Collect
We collect personal and business information from you when you apply for funding, use our services, or communicate with us. The types of information we collect may include:
- Personal Information: Name, address, phone number, email address, date of birth, Social Security number, and financial information.
- Business Information: Business name, address, tax ID number, revenue, bank statements, and credit information.
- Device and Usage Information: IP address, browser type, operating system, and browsing behavior while on our website.
2. How We Use Your Information
We use the information we collect to provide and improve our services, process applications, and communicate with you. Specific uses include:
- Processing Applications: Reviewing your business loan or merchant cash advance application, verifying eligibility, and determining funding approval.
- Service Delivery: Managing your account, processing transactions, and providing customer support.
- Communication: Sending notifications about your account, updates on our services, and marketing communications if you have opted-in.
- Compliance: Complying with legal obligations, such as anti-fraud measures, and fulfilling regulatory requirements.
3. Information Sharing
We do not sell your personal or business information. However, we may share your data in the following circumstances:
- ISO Partners: We may share your information with our Independent Sales Organizations (ISO) or other funding partners to process your application or provide the services you request.
- Service Providers: We may share information with third-party service providers who assist us in processing payments, maintaining systems, or delivering communications.
- Legal Requirements: We may disclose your information when required by law, in response to court orders, or to protect our legal rights.
- Business Transfers: If we undergo a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.
4. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to enhance your experience. Cookies are small text files that are stored on your device when you visit our website. They help us understand how you use our services, provide targeted advertising, and improve site functionality.
- Types of Cookies:
- Essential Cookies: Necessary for the basic functioning of the website.
- Analytical Cookies: Help us analyze site traffic and improve the user experience.
- Marketing Cookies: Used to deliver personalized advertisements.
You can control cookies through your browser settings and disable them if desired; however, doing so may affect your experience on our website.
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5. Data Security
We implement appropriate technical, administrative, and physical security measures to protect your personal and business information. These measures include:
- Encryption: We use encryption technologies to protect sensitive information during transmission.
- Access Control: Access to your personal and business information is limited to authorized employees, contractors, and service providers.
- Data Retention: We retain your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, and resolve disputes.
Despite our efforts, no security system is completely secure, and we cannot guarantee the absolute security of your data. You are responsible for safeguarding your account credentials and notifying us immediately if you suspect unauthorized access.
6. Your Choices and Rights
You have the right to:
- Access Your Information: Request details on the personal or business information we have collected about you.
- Correct Information: Update or correct inaccurate information by contacting our customer service team.
- Opt-Out of Marketing: You can opt-out of receiving marketing communications by following the unsubscribe instructions in our emails or contacting us directly.
- Data Deletion: Request that we delete your personal information, subject to certain exceptions required by law.
To exercise any of these rights, please contact us using the information provided below.
7. Children's Privacy
Our services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from minors. If we become aware that we have collected information from a minor, we will take steps to delete such data immediately.
8. Third-Party Links
Our website may contain links to third-party websites or services. This Privacy Policy applies solely to information collected by us. We are not responsible for the privacy practices or content of third-party websites. We encourage you to review their privacy policies before providing any personal information.
9. Changes to This Policy
We reserve the right to update or modify this Privacy Policy at any time. Any changes will be effective immediately upon posting the revised policy on our website. Your continued use of our services after changes to the Privacy Policy signifies your acceptance of the updated terms.