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Privacy Policy
This online privacy policy tells you about the information Merchant Funding LP ("Merchant Funding")
collects through our website, www.merchantfunding.com (the "Website"), how we use that information and
how you can opt out of certain uses of information we may collect. If you have any questions about our
privacy policy or our use of your information, you can e-mail us at
info@merchantfunding.com.
PLEASE READ THIS PRIVACY POLICY CAREFULLY BEFORE USING ANY OF MERCHANT FUNDING’S SERVICES. BY USING ANY
SUCH SERVICES AND/OR NAVIGATING THROUGH THE WEBSITE YOU ARE ACKNOWLEDGING THAT YOU HAVE READ AND UNDERSTAND
THIS POLICY AND THAT YOU AGREE TO BE BOUND BY ITS TERMS. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS OF
THIS PRIVACY POLICY, SIMPLY EXIT THIS PAGE WITHOUT ACCESSING OR USING ANY OF OUR SERVICES.
This Privacy Policy is incorporated into and subject to the terms of the Terms of Use Agreement, which is
also posted at the Website. This Privacy Policy was last updated on September 1, 2004.
Below you will find information on a number of topics, including:
- What personally-identifiable contact and financial information of yours is collected from you through
the Website;
- How the collected information is used;
- With whom such information may be shared;
- What choices are available to you regarding collection, use and distribution of the information;
- The kind of security procedures that are in place to protect the loss, misuse or alteration of information
under our control; and
- How you can correct any inaccuracies in the information.
A Special Note About Children. Children are not eligible to use our service and we ask that minors
(under the age of 18) do not submit any personal information to us or use the service. Merchant Funding does
not collect or maintain information from those actually known to be under the age of 18, and no part of our
Website is structured to attract anyone under the age of 18.
General Information Collection and Use
Merchant Funding is the sole owner of the information collected on the Website. We will not sell, share or
rent this information to others in ways different from what is disclosed in this policy, without first obtaining
your consent. Our site’s pre-qualifying Application Form requires users to provide contact information (name,
address, etc.) and financial information (monthly credit card sales, etc). We use customer contact information
from the Application Form to send the user information about our company and our partners. The customer’s contact
information is also used to contact the visitor when necessary. The financial information collected such as the
monthly credit card volume is used to determine suitability of a cash advance for the user.
Some of our services may be offered in conjunction with partner companies, affiliates or other companies or
websites with which we work. In order for us to provide these services to you, it may be necessary for us to
share your personal information with one of such entities. These parties are not allowed to use personally
identifiable information except for the purpose of providing these services. If you do not want your data to
be shared, you can choose not to allow the transfer by not making a request for funding.
Customer Service Correspondence
If you send us correspondence, including e-mails and faxes, we may retain such information in the records of your
account. We may also retain customer service correspondence and other correspondence from Merchant Funding to you.
We retain these records in order to measure and improve our customer service, and to investigate potential fraud
and violations of our Terms of Use Agreement. We may, over time, delete these records if permitted by law.
Cookies
A "cookie" is a piece of data stored on a user's hard drive containing information about the user. As part of
offering and providing personalized services, we may use cookies in an effort to save you time while on our
Website. If a user rejects the cookie, he or she may still have limited use of the Website. Generally we use
cookies to:
- Remind us who you are and to access your account information;
- Track and target the interests of our users to enhance the experience on our Website; and
- Estimate our audience size and measure certain traffic patterns.
IP Addresses
Every computer connected to the Internet is given an IP address. We use IP addresses to analyze trends, administer
the Website, track users' movement and gather broad demographic information for aggregate use. IP addresses are
not linked to personally identifiable information, and our web servers do not record the e-mail addresses of our
visitors.
Sharing
As a general rule, except as described in this privacy policy, we will not disclose any of your personally
identifiable information except when we have your permission or under special circumstances (such as when we
believe the law requires it). We may disclose or share aggregated demographic and financial information with
certain partners, affiliates and advertisers; however, except as described above, this is not linked to any
personal information that can identify any individual person or company. In addition, Merchant Funding may
disclose account or other personal information when we have reason to believe that disclosing this information
is necessary to identify, contact or bring legal action against someone who may be causing injury to or
interference with Merchant Funding’s rights or property, other Website users or anyone else that could be
harmed by such activities.
Merchant Funding may also release personal information to appropriate governmental authorities under the
following circumstances:
- Where release is required by law (for example, a subpoena) or regulation, or is requested by a government
agency conducting investigations or proceedings; or
- Where our records indicate a company may be engaged in fraudulent activity or other deceptive practices
that a governmental agency should be made aware of.
As with any other business, it is possible that Merchant Funding in the future could merge with or be acquired
by another company. If such an acquisition occurs, the successor company would have access to the information
maintained by Merchant Funding, including customer account information, but would continue to be bound by this
Privacy Policy unless and until it is amended as described herein.
Links
This Website may contain links to other websites. Please be aware that we are not responsible for the
privacy practices of such other websites, as this privacy policy applies solely to the Website of Merchant
Funding. We encourage our users to remain vigilant when they leave our Website and to read the privacy
statements of each and every website that collects personally-identifiable information.
Surveys
From time to time, our Website may request information from users via surveys and comments sections (e.g.
within the Feedback section of the Website). Participation in these surveys, to the extent we conduct any,
is completely voluntary and the user therefore has a choice whether or not to disclose this information.
Information requested may include contact information (such as name and shipping address) and demographic
information (such as zip code and age level). Survey information will be used for purposes of monitoring or
improving the use and satisfaction of the Website.
Security
This Website takes numerous precautions to protect our users' information. When users submit sensitive
information via the Website (e.g. [credit card information]), such information is protected both on- and
offline. [We encrypt certain sensitive information using Secure Socket Layer (SSL) technology to ensure
that our visitors' information is safe as it is sent over the Internet to our server. SSL works by using
a private key to encrypt data that is transferred over the SSL connection]. In addition, all of our users'
sensitive information is restricted in our offices. While Merchant Funding employs commercially reasonable
security measures to protect our data and seeks to partner with companies which do the same, we cannot
absolutely guarantee the security of any data transmission over the Internet or any wireless network.
Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100%
secure, and we therefore are not responsible for any breach of security or for any actions of any third
parties that may receive any such information.
Correction/Updating Personal Information
If your personally identifiable information changes at any time, please send an e-mail to
info@merchantfunding.com.
Choice/Opt-out
Our users are given the opportunity to "opt-out" of receiving communications from Merchant Funding by
sending us an e-mail at info@merchantfunding.com.
Notification of Changes
If we decide to change our privacy policy, we will post those changes under the appropriate link on the
"home page" of our Website so our users are always aware of what information we collect, how we use it
and under what circumstances, if any, we disclose it. The new terms shall be effective immediately upon
being posted on the Website. It is the responsibility of each user to review the latest terms from time
to time, and if any user does not agree with any updates to the privacy policy, such user should
immediately cease use of the Website and any services.
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