MRCHNT LLC, doing business as MRCHNT Funding ("MRCHNT," "we," "us," or "our"), respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes what information we collect, how we use it, when we share it, and the choices you have about how it is handled.
By using our website, services, or by communicating with us through phone, email, or text message, you agree to the terms of this Privacy Policy.
1. Information We Collect
We collect information you provide directly to us when you apply for funding, request information, or interact with our services. This may include:
- Business information: legal business name, doing-business-as (DBA), federal Tax ID (EIN), state of incorporation, business start date, industry, physical business address, and time in business.
- Owner / principal information: first and last name, date of birth, Social Security Number, home address, percentage of ownership, and contact information.
- Contact information: email address, mobile phone number, and other phone numbers.
- Financial information: business bank account information, monthly revenue, average daily balance, and other financial details necessary to underwrite a funding application.
- Communications data: the content of emails, text messages, and call logs you exchange with us.
- Website data: IP address, browser type, pages visited, and similar usage data collected automatically when you visit our website.
2. How We Use Your Information
We use the information we collect to:
- Process your funding application and underwrite a potential merchant cash advance or other financial product;
- Communicate with you about your application, account, or our services;
- Send you transactional text messages and emails related to your application;
- Verify your identity and prevent fraud;
- Comply with legal, regulatory, and reporting obligations;
- Improve our website and services.
3. SMS / Text Messaging
If you provide us with your mobile phone number, you may receive text messages from MRCHNT Funding related to your account and application.
Mobile information (including your phone number) will not be shared with third parties or affiliates for marketing or promotional purposes.
This restriction applies specifically to opt-in data collected via SMS — no mobile opt-in information will ever be sold or rented.
Information you submit through other channels (web forms, email, phone) is governed by the broader sharing rules in Section 4 below.
4. How We Share Information
We do not sell, rent, or share your personal information with third parties for their marketing purposes.
We share information only as follows:
- Lenders and funding partners: to evaluate, underwrite, and fund your application. Each lender has its own privacy practices.
- Service providers: companies that perform services on our behalf (such as identity verification, fraud screening, cloud hosting, and messaging delivery). These providers are contractually limited to using the information solely to perform services for MRCHNT Funding.
- Legal and regulatory: when required by law, subpoena, court order, or to protect our legal rights or the safety of others.
- Business transfers: in connection with a merger, acquisition, or sale of all or part of our business, subject to confidentiality protections.
5. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with our legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we securely delete or anonymize it.
6. Your Rights and Choices
Depending on where you reside, you may have the right to:
- Access the personal information we hold about you;
- Correct inaccurate or incomplete information;
- Delete your personal information, subject to legal and contractual exceptions;
- Opt out of certain communications (see "Communication Preferences" below).
To exercise any of these rights, email us at info@mrchntfunding.com. We will respond within a reasonable timeframe and in accordance with applicable law.
7. Communication Preferences
- Email: click the unsubscribe link in any marketing email we send.
- Text messages: reply STOP to any text from us to unsubscribe at any time. Reply HELP for support or contact us at info@mrchntfunding.com.
- Phone: ask any MRCHNT Funding representative to add you to our do-not-call list.
Opting out of marketing communications does not affect transactional messages related to an active application or account.
8. Security
We implement reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, use, disclosure, alteration, or destruction. No method of transmission or storage is 100% secure, however, and we cannot guarantee absolute security.
9. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have collected information from a minor, we will promptly delete it.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review their privacy policies before providing any personal information.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Material changes will be communicated through our website or by direct notice when appropriate.
12. Contact Us
If you have any questions about this Privacy Policy or our privacy practices, contact us at:
MRCHNT LLC, d/b/a MRCHNT Funding
Email: info@mrchntfunding.com