Privacy Policy
At MCHQ ("we," "us," or "our"), we prioritize the privacy of our users and take protecting your personal information seriously. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you visit our website, www.merchantcashhq.com (the "Site"), or interact with our services related to alternative funding solutions.
Who Does This Policy Apply To?
This Policy applies to everyone who uses our Site, including:
- Individuals seeking information about our alternative funding options.
- Businesses exploring potential funding opportunities through MCHQ.
The Information We Gather
The type of information we collect depends on how you interact with our Site. Here's a breakdown:
- Contact Details: Your name, email address, and phone number are collected when you submit inquiries or contact us directly.
- Business Information: For business funding applications, we collect business name, address, industry type, and tax ID.
- Financial Information: In some cases, with your explicit consent, we may gather limited financial information relevant to funding eligibility (e.g., use of funds).
- Usage Data: Information about your browsing activity on our Site, such as pages visited, search queries, and device information, is collected through cookies and similar technologies.
- Vendor Information: On occasion, we may receive limited business information about you from our vendors or partners for potential funding opportunities or identity verification.
- SMS Information (Optional): If you choose to receive SMS messages from us, we'll collect your phone number to send updates about MCHQ's products and services, promotional offers for alternative funding solutions, application confirmations and processing updates, and account information and reminders.
How We Collect Your Information
We gather information through various methods:
- Directly from You: When you submit forms on our Site, contact us by phone or email, engage in live chat discussions, or sign up to receive SMS messages.
- Tracking Technologies: Cookies and similar technologies are used to collect and analyze usage data for website improvement and personalization.
- Third-Party Sources: We may obtain information from business partners, credit bureaus (with your consent for business applications), and other trusted sources to verify your identity or assess your eligibility for certain services. This may also include receiving limited business information from vendors or partners for potential funding opportunities.
Why We Collect Your Information
We use your information for several legitimate purposes:
- Responding to Inquiries: This includes answering your questions about MCHQ and our alternative funding solutions.
- Site and Service Improvement: We analyze usage data to understand user behavior and enhance the overall experience.
- Personalized Experience: We may tailor website content and offerings based on your interests and browsing activity.
- Marketing Communications (with Your Consent): We may send you emails and SMS messages about MCHQ's products and services, industry insights, and special offers. You can unsubscribe from these communications at any time.
- Legal and Regulatory Obligations: We may use your information for compliance purposes as required by law.
- Fraud Prevention and Security: We use your information to protect against unauthorized access and fraudulent activities.
- Exploring Funding Opportunities: In some cases, with limited vendor-provided information, we may reach out to explore if our alternative funding solutions align with your business needs.
Sharing Your Information
We will not share your personal information with third parties for marketing purposes without your explicit consent. However, we may share your information with the following parties under specific circumstances:
- Service Providers: We may engage third-party service providers to assist us with various operations, such as website hosting, data analytics, and customer service. These providers are obligated to maintain the confidentiality of your information.
- Financial Institutions: With your consent for business applications, we may share your financial information with our partners to evaluate your funding eligibility.
- Law Enforcement or Regulatory Authorities: We may disclose your information in response to lawful requests from law enforcement or regulatory agencies.
Control Over Your Information
We empower you to control your information:
- Manage Cookies: Most web browsers allow you to manage or disable cookies. However, disabling cookies may limit certain functionalities of our Site.
- Unsubscribe from Marketing Communications: You can opt-out of receiving marketing emails and SMS messages by clicking the "unsubscribe" link at the bottom of any email or SMS message you receive from MCHQ. You can also contact us to manage your communication preferences.
- Access and Update Your Information: You have the right to access and update your personal information. Contact us if you wish to exercise this right.
California Privacy Rights (CCPA)
California residents have specific rights regarding their personal information under the California Consumer Privacy Act (CCPA). You can request to know what information we collect, use, or disclose about you. You can also request to delete your personal information, subject to certain exceptions.
Security
We take reasonable steps to protect your information from unauthorized access, disclosure, alteration, or destruction. We utilize security measures like secure servers, encryption technologies, and access controls. However, no internet or electronic storage system is completely secure.
Changes to this Privacy Policy
We may update this Privacy Policy periodically. We will post any changes on this page and encourage you to review this Policy periodically for the latest information.
Contact Us
If you have any questions about this Privacy Policy or our privacy practices, please contact us by email at support@merchantcashhq.com or by phone at 800-283-6247.
Additional Notes Regarding SMS Messaging
- We will only use your phone number for sending SMS messages related to MCHQ's products and services, as mentioned previously.
- Message frequency will be reasonable and comply with industry standards.
- You can always opt-out of receiving SMS messages by replying "STOP" to any message you receive from us.
