Equipment Leasing and Financing Made simple

Privacy Policy

 

Privacy Policy –  At Merchant Advance Solutions (“MAS” for the purpose of this Privacy Policy), we respect your privacy rights and are committed to protecting the information we collect from you and the information that you furnish to us. The information you provide to MAS may reveal, or allow others to identify, your gender, age, business, business address, credit score and other aspects of your life and business information. By providing information to us for the purposes of applying for funding or inquiring about any of MAS and its affiliates products or services, you are expressly and voluntarily accepting the terms and conditions of this Privacy Policy. Supplying information to MAS, including any information deemed “sensitive” by applicable law, is entirely voluntary on your part. Submitting the electronic pre-qualification “Apply Now” form and Merchant Cash Advance Calculator Pre-Qualification Quote form confirms your interest in pursuing business funding from MAS. After we receive your “Apply Now” form or Merchant Cash Advance Calculator Pre-Qualification, a funding specialist will contact you regarding next steps to attain a final decision. Next steps will include an application and further documents needed to assess a final decision needed to approve your business cash advance. *MAS offers Business Cash Advance, Factoring and Business Loan Products This Privacy Policy describes how MAS (“MAS”) collects and manages information when you:

• access our website or use mobile applications
• fill out any part of the form on our website or any webpage on our website
• open and respond to our e-mails
• visit any page online that displays our ads or content
• visit any of our blogs, social media outlets, or affiliated websites
• directly call MAS or its affiliates with phone numbers provided through any and all marketing and lead generation sources
• provide information to MAS employees through email, phone, or facsimile
• interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy

It does not apply to the collection of information in any way other than as listed above. Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we will treat it. By accessing or using our website or other services described above, you agree to this Privacy Policy. This Privacy Policy may change from time to time, so please check the Privacy Policy periodically for updates.  All Internet sites have the ability to collect information about you. We encourage you to read the privacy policies of every site you visit.

• MAS uses Remarketing with Google Analytics to advertise online.
• Third-party vendors, including Google, show MAS ads on sites across the Internet.
• MAS and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on someone’s past visits to our website.
• MAS and third-party vendors, including Google, use first-party cookies and third-party cookies together to report how our ad impressions, other uses of ad services, and interactions with these ad impressions and ad services are related to visits to our site.

Information We Collect About You and How We Collect Information? Sometimes we collect information from and about you when you use our website or other applications, including information:

• by which you may be personally identified, such as name, postal address, e-mail address or telephone number
• about your internet connection, the equipment you use to access our website and applications, and usage details
• Sometimes you give information directly to us (or our Vendors and Affiliates). For example, but not limited to the following, when you:
• provide it to us directly by filling out an online application
• log into your account
• provide location information from your mobile device
• contact us and we save records of correspondence, which may contain information such as e-mail addresses
• Sometimes we (or our Vendors and Affiliates) collect information through Cookies or Other Web Technologies. For example, we may record information:
• about your operating system, browser version, IP Address, and mobile device
• on our sites about the web pages that you view
• information you search for
• which ads or web content from us or our vendors and affiliates you click to or view on our sites or on third-party sites
• when you open our e-mails or click on any of its links

USE OF COOKIES, IP ADDRESSES AND WEB BEACONS

Cookies are small text files that a website might place on your hard drive whenever you visit the website. Their purpose is to identify files on your computer and record your preferences and other data about your visit to our website so that when you return to the website we are aware of who you are and can help personalize your next visit here. Please note that cookies may be linked to personal information about you. The use of cookies allows us to keep track of your shopping cart and wish lists and may (if you do not disable or refuse the use of a cookie) prevent you from having to reenter your information at each connection.

There may be a time that we use the information collected by the cookies as well as other tools such as log files or web beacons for additional purposes such as to determine how MAS, may improve our website by seeing which features, areas and products are most popular. This would enable us to personalize the website experience and allow making recommendations to you based upon your link history. Please note that most internet browsers are automatically preset to accept all cookies. In the event you choose to disable this function some areas of our website may not function properly.

In addition to cookies and log files we do at times use a common internet technology called “web beacons”. These are small graphic images placed on a web page, web based document, or an email address that is designed specifically to allow us or our third parties vendors to collect certain information and monitor use activity on our website. Please note these are invisible to the user because they are typically very small. In furtherance of our Privacy Policy please note we do not use web beacons to collect the personal information about you. We may use them to collect non-personal information such as IP addresses of the computer that the web beacon said to, the URL of the page where the web user comes from and the time the web beacon is activated.

What other choices do you have?

Most computer systems and browsers offer their own privacy settings. We encourage you to use them to enhance your choices. Most browsers’ advanced settings allow you to disable Cookies. However, if you do so, some site features and services may not work. You can also:

• register for the National Do Not Call List at donotcall.gov/default.aspx
• register for the Direct Marketing Association’s Mail Preference Service at dmachoice.org/MPS/proto1.php
• click unsubscribe on the bottom of e-mails and follow the instructions
• request to be DNC’d (added to our Do Not Call list) from an MAS employee or MAS Affiliate employee

How Do We Use The Information We Collect? We (or our Vendors and Affiliates) use information collected as described in this Privacy Policy , sometimes combined with information from other sources, in the following ways:

• To deliver products and services
• recognize you when you return to our sites
• process applications
• tell you about updates to your accounts, products, and services
• answer questions and respond to your requests
• make our sites easier to use
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection

To advertise and market our products and services to you by some or all of the following methods of communication and presentations:

• present targeted ads
• on this and other sites you visit
• through e-mail
• through direct mail
• through telemarketing
• through text messaging
• through phone call broadcasting
• analyze the effectiveness of ads
• determine whether you would be interested in new products or services
• To conduct research and analysis
• analyze data to prevent fraud and better understand our customers and site visitors
• To fulfill any other purpose for which you provide the information and in any way we may describe when you provide the information
• For any other purpose with your consent

Disclosure of Your Information We may disclose aggregated information about our users, and information that does not identify any individual, without restriction. We may disclose personal information that we collect or you provide as described in this privacy policy:

• To our subsidiaries and affiliates.
• To contractors, service providers and other third parties we use to support our business.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of MAS’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which your personal information held by MAS is among the assets transferred.
• To Vendors and Affiliates (who are required to safeguard your information) that help us operate our business and market our products and services to you as described in this Privacy Policy.
• To financial institutions, Co-brand Partners, and other Business Partners and Affiliates with whom we jointly offer products and services (but they may not use this information to independently market their own products or services).
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• With your consent. We may also disclose your personal information:
• To comply with any court order, law or legal process, including to respond to any government or regulatory request.
• To enforce or apply our terms of use or terms of sale and other agreements, including for billing and collection purposes.

By providing your email address, you are permitting us to email you information about our financing and funding plans as well as other related products and services. We will keep your information secure and you can unsubscribe at any time. We will not sell or share your email address. You agree that by checking this box you consent and request that Bizboost / Merchant Advance Solutions, its affiliates, and those acting on its/their behalf, may call you using an automated telephone dialing system and/or a prerecorded message. The types of calls you may receive include calls to encourage the purchase of goods or services, as well as calls to provide information or to service your account. Calls can be made to any residential or wireless numbers you provide to the Company, including those provided here, even if listed on a national or state Do Not Call registry.

If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of MAS, our customers or others.  This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction. How do we keep your Personal Information safe and secure? We use reasonable administrative, technical, and physical security measures to protect your Personal Information. These measures include computer safeguards and secured files and buildings. Please do not send us any Personal Information through unsecured channels, including e-mail or social media sites. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information via the internet is not completely secure.

Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our website or to MAS through other means of communication. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on any of our applications, including our website. Accessing and Correcting Your Information [You can review and change your personal information by logging into our website and visiting your account profile page.] [You may also send us an e-mail at [email protected] to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.]

Your California Privacy Rights California Civil Code Section 1798.83 permits users of our website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to [email protected] or write us at: 1715 State RT 35 Suite 302, Middletown, NJ 07748. Children under 13: MAS’s sites are not for children under 13 years old. We do not knowingly solicit data online from, or market online to, children under 13. If we knowingly receive a child’s Personal Information, we will delete it from our systems.

CAN THIS PRIVACY POLICY CHANGE?

We may change this Privacy Policy at any time. Changes are effective when we post them on this site and we encourage you to visit this site frequently for updates, as these updates will only be made available through this site unless otherwise and specifically requested from you. The date the Privacy Policy was last revised is identified at the top of the page.

Questions About this Privacy Policy If you have questions about this Privacy Policy, call 866-293-5365 or email us at [email protected].

DNC Policy – It is Merchant Advance Solutions policy to fully comply with all U.S. federal and state laws and regulations governing telephone sales, marketing, and general telemarketing activities.  Merchant Advance Solutions will take actions to meet the legal requirements and professional standards of the telemarketing industry.

The following procedures will be followed in compliance with the FCC regulations on telemarketing:

Merchant Advance Solutions will maintain an internal Do Not Call (“DNC”) list.

Phone numbers placed on the internal DNC list will be maintained for a minimum of 10 years or as required by federal law. Anyone receiving a call from Merchant Advance Solutions may freely request to be placed on the internal DNC list. They will be placed on the list immediately for screening in connection with all future campaigns. When a consumer requests that they be added to the DNC list, we add their number within 7 calendar days.  It can take up to 30 days for your name and telephone number to be removed from any sales programs that are currently underway. Campaigns in progress will be screened only upon data upload and may not be re-screened. Anyone may request a copy of our DNC Policy in writing. It will be provided at no cost, but the request must be received in writing if the person was not solicited by Merchant Advance Solutions.

Written requests for our DNC Policy must include a valid signature of the household representative. As federal law allows, calls may be placed to individuals on the DNC list when the person has an existing business relationship with the organization sponsoring the call. All Merchant Advance Solutions employees performing outbound consumer solicitation will be briefed on the Merchant Advance Solutions DNC Policy. Merchant Advance Solutions employees will truthfully disclose their correct name, company name, company address and company phone number to customers when asked. Merchant Advance Solutions employees are trained to comply with all U.S. and state procedures related to telemarketing and the do not call requirements.  Merchant Advance Solutions routinely monitors and enforces employee compliance with all telemarketing rules and regulations. As required by state law, data records will be screened against state maintained Do Not Solicit lists.

Merchant Advance Solutions will be properly licensed or registered in states that require the organization to comply. Calls may be placed to individuals on state DNC lists when the purpose of the call is exempted from the requirements. In addition to mandatory guidelines, Merchant Advance Solutions voluntarily subscribes to the national Do Not Call list for record purging, accesses the national registry no more than 31 days before calling any consumer, and maintains records documenting this process.

FOR NEVADA RESIDENTS ONLY: We are providing this notice under state law.  You may be placed on our internal Do Not Call list by notifying any Merchant Advance Solutions employee who has called you or by e-mailing us at [email protected].

Nevada law requires us to provide the following contact information:  Bureau of Consumer Protection, Office of Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone: 702-486-3132; E-mail: [email protected] Advance Solutions 1715 State RT 35 Suite 302, Middletown, NJ 07748.

 

Last Updated January  2013