Privacy Policy

Merchant Fund Express (“we,” “us,” or “our”) is committed to protecting the privacy and security of your personal and business information. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website at merchantfundexpress.com (the “Site”) or use our services.

By accessing our Site or submitting information through our forms, you consent to the practices described in this Privacy Policy. If you do not agree with the terms of this policy, please do not access the Site or submit information through our services.

1. Information We Collect

1.1 Personal Information You Provide

When you apply for funding, contact us, or otherwise interact with our services, we may collect the following types of personal information:

• Identity Information: Full name, date of birth, Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Contact Information: Email address, phone number, mailing address
• Business Information: Business name, business address, Employer Identification Number (EIN), industry type, years in business, ownership structure
• Financial Information: Monthly and annual revenue, bank account information, business bank statements, credit history data
• Application Information: Desired funding amount, intended use of funds, existing debts or obligations

1.2 Information Collected Automatically

When you visit our Site, we automatically collect certain information about your device and browsing activity, including:

• Device Information: IP address, browser type and version, operating system, device type
• Usage Information: Pages visited, time spent on pages, click patterns, referring URLs, exit pages
• Location Information: Approximate geographic location based on IP address
• Cookie Data: Information stored in cookies and similar tracking technologies (see Section 5 below)

1.3 Information from Third Parties

We may receive information about you from third-party sources, including:

• Credit reporting agencies (credit reports, credit scores)
• Business data providers (business verification, industry data)
• Banking and financial data aggregators (bank statement verification)
• Our lending partners (application status updates, funding decisions)

2. How We Use Your Information

We use the information we collect for the following purposes:

• Processing Applications: To evaluate your funding application, match you with appropriate lending partners, and facilitate the funding process
• Communication: To contact you about your application, provide customer support, respond to inquiries, and send important notices about our services
• Service Improvement: To analyze usage patterns, improve our website and services, develop new features, and enhance the user experience
• Marketing: To send you information about our products and services that may interest you, subject to your communication preferences
• Compliance: To comply with legal obligations, respond to lawful requests from government authorities, and enforce our terms of service
• Fraud Prevention: To detect, prevent, and respond to fraud, unauthorized access, and other illegal activities
• Analytics: To perform data analysis, identify usage trends, and determine the effectiveness of our marketing efforts

3. How We Share Your Information

We may share your information with the following categories of third parties:

3.1 Lending Partners

When you submit a funding application, we share your personal and business information with our network of lending partners for the purpose of evaluating your application and providing funding offers. This is essential to our business model as a funding marketplace. By submitting an application, you authorize us to share your information with these partners.

3.2 Service Providers

We share information with third-party service providers who perform services on our behalf, including:

• Website hosting and technology providers
• Email and communication service providers
• Analytics and marketing platforms
• Customer relationship management systems
• Document storage and processing services

3.3 Legal and Regulatory

We may disclose your information when required by law, in response to legal process (such as a subpoena or court order), to protect our rights or property, to protect the safety of our users or the public, or to comply with regulatory requirements.

3.4 Business Transfers

In the event of a merger, acquisition, reorganization, bankruptcy, or other business transfer, your information may be transferred as part of that transaction.

3.5 With Your Consent

We may share your information with other third parties when you have given us your explicit consent to do so.

We do not sell your personal information to third parties for their direct marketing purposes.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL/TLS encryption for data transmitted between your browser and our servers
• Encrypted storage of sensitive personal information
• Access controls limiting employee access to personal information on a need-to-know basis
• Regular security assessments and vulnerability testing
• Employee training on data protection and privacy practices

While we strive to protect your information, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security of your data.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and store information about your interactions with our Site. The types of cookies we use include:

• Essential Cookies: Required for the Site to function properly, including session management and security features
• Analytics Cookies: Help us understand how visitors interact with our Site. We use Google Analytics (GA4) to collect anonymous usage data
• Marketing Cookies: Used to track visitors across websites to display relevant advertisements
• Preference Cookies: Remember your settings and preferences for a better browsing experience

You can control cookies through your browser settings. Most browsers allow you to block or delete cookies. However, blocking certain cookies may affect the functionality of our Site.

Google Analytics

We use Google Analytics 4 (GA4) to analyze website traffic and usage patterns. Google Analytics collects information anonymously and reports website trends without identifying individual visitors. For more information about Google Analytics and how to opt out, visit Google Analytics Opt-out.

6. Your Rights and Choices

6.1 Access and Correction

You have the right to request access to the personal information we hold about you and to request correction of any inaccurate information.

6.2 Deletion

You may request deletion of your personal information, subject to certain exceptions required by law or legitimate business purposes.

6.3 Marketing Communications

You may opt out of receiving marketing emails by clicking the “unsubscribe” link in any marketing email or by contacting us directly. Please note that you may continue to receive transactional or service-related communications.

6.4 Do Not Track

Some browsers offer a “Do Not Track” setting. Our Site does not currently respond to Do Not Track signals, but we respect your privacy choices through other mechanisms described in this policy.

7. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know: You can request details about the categories and specific pieces of personal information we have collected about you
• Right to Delete: You can request that we delete your personal information, subject to certain exceptions
• Right to Opt Out: You can opt out of the sale or sharing of your personal information
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights
• Right to Correct: You can request correction of inaccurate personal information
• Right to Limit Use: You can limit the use and disclosure of sensitive personal information

To exercise these rights, please contact us using the information provided in Section 11 below. We will verify your identity before processing your request.

8. Other State Privacy Rights

Residents of Virginia, Colorado, Connecticut, Utah, and other states with comprehensive privacy laws may have similar rights to those described in Section 7. Please contact us to exercise any applicable state privacy rights.

9. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, including to satisfy legal, accounting, or reporting requirements. The retention period may vary depending on the context and our legal obligations. When your information is no longer needed, we will securely delete or anonymize it.

11. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how we handle your information, please contact us:

• Email: info@merchantfundexpress.com
• Phone: (305) 384-8391
• Mail: Merchant Fund Express, Miami, FL

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the “Last Updated” date at the top of this page. We encourage you to review this Privacy Policy periodically for any changes. Your continued use of our Site after any changes indicates your acceptance of the updated policy.