Privacy Policy

This Privacy Policy applies to americancapitalgrp.com, which is owned and operated by American Merchant Capital Group (“AMC Group,” “we”, “our,” “us”).

This Privacy Policy describes how American Merchant Capital Group collects, uses, and discloses the personal information you provide on our website americancapitalgrp.com (“Website”) in order to provide our business loan products and service (collectively, the “Service”). It also describes the choices available to you regarding our use of your personal information (“Personal Information”) and how you can access and update such information. It does not address our collection of Personal Information from other sources, such as from sales representatives including any independent sales or marketing representative who may refer you or your business to us (“ISO”). Note that this is a business-to-business, not a consumer website, and that we also collect information regarding businesses.

For purposes of this Privacy Policy, “Personal Information” means information that personally identifies you, including your contact information, IP address, and loan application information. A large portion of the Personal Information we collect, use, share, and store is sensitive in nature, including your social security number and financial account information (“Sensitive Personal Information”).

Information We Collect

We collect the following types of information through the Website:

  • Contact information such as name, email address, mailing address, and phone number;
  • Financial information such as, bank statements, credit card statements, your average bank balance, personal and business credit history, payment behavior, bank account information, and tax ID number;
  • Social security number;
  • Unique identifiers such as user name and password, and IP address; and
  • Business information including company name, company size, and business type.

Some information collected from you is required and some is optional; some will remain private and some will be shared with third parties. Additional information may be gathered during your subsequent use of the Website, whenever you choose to provide it.

Certain Personal Information must be supplied to determine eligibility for financial products and to verify and guard against potential fraud.

We will use this information to request a credit report from a credit bureau to process your application as well as to help assess your funding request in the context of your overall financial situation. We will also use your required and optional information to facilitate activities and transactions that need to occur during the funding process.

Once you are an American Merchant Capital Group customer, we may reach out to you for information again if you decide to renew your loan.

Use of Information

We use the Personal Information you provide us and allow us access as described herein for the following purposes:

  • Compile, save, use and analyze your Personal Information in both a personally-identifiable form and an aggregated, non-personally identifiable form;
  • Operate, maintain, improve, and provide to you the Service and to conduct our business;
  • Verify your identity;
  • Register you as a user and identify you when you sign in to your account;
  • Determine whether or not you qualify for one of our loan products;
  • Process your account, including deducting automatic payments;
  • Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications; and
  • Better understand how users access and use our Website, and offerings provided by or through American Merchant Capital Group or its affiliates, on an aggregated and individualized basis
  • Improve our Website, offerings or services provided by or through American Merchant Capital Group or its affiliates
  • Provide you with information about our company or products—provided by or through American Merchant Capital Group or its affiliates—that we believe you may find of interest, including marketing and promotional e-mails
  • Respond to requests or inquiries, and for similar, customer-service-related purposes

Types of Disclosure of Personal Information

American Merchant Capital Group will share your Personal Information with third parties only in the ways that are described in this Privacy Policy. We do not sell your Personal Information to third parties.

We will share your personal information with third parties only in the ways that are described in this privacy policy. We may disclose Personal Information to third parties for the following purposes:

  • To provide you with information relating to products or services that we believe you may find of interest; to provide you access to working capital, from third parties, if we cannot provide access
  • In response to a subpoena or other legal process by a governmental entity or third party, or if otherwise required by law
  • To protect or enforce our rights or property
  • In the event of the sale or dissolution (bankruptcy) of all of our assets, in which case, you will be notified , there after by a prominent notice on our Website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information
  • To third parties involved in the process of providing services to us or you or performing functions on our behalf, such as contractors, customer service providers (e.g., information technology or human resources consultants or service providers), credit bureaus, and collection agencies. These companies are authorized to use your personal information only as necessary to provide these services to us
  • To our affiliates and subsidiaries for marketing purposes, or for product or service delivery
  • To the ISO that referred you to us—for example, in connection with reporting on your progress in the application process or in connection with calculating or reporting on the commission due to the referral source or otherwise
  • To our lenders, investors, partners, or auditors in the course of their review or auditing us
  • To provide products or services requested
  • To our vendors, who may use the information to further improve their database services to us

Notwithstanding anything else in the Privacy Policy, we may share aggregate or personally identifying information about users with third parties for marketing, advertising, research, or other business purposes.

User Access and Choice

If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, delete/remove, ask to have it removed from a public forum or testimonial on our Website or deactivate it by emailing our Customer Support at support@americancapitalgrp.com or by contacting us by postal mail at the contact information listed below. We will respond to your request within 30 days.

Data Retention

We will retain your information for as long as your account is active or as long as reasonably useful for commercial purposes. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Cookies and Analytics

Technologies such as cookies, beacons, tags and scripts are used by American Merchant Capital Group and our partners (for example, our marketing partners), affiliates, or analytics or service providers. These technologies are used in analyzing trends, administering the Website, tracking users’ movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies for user authentication and analytics. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Website, but your ability to use some features or areas of our Website may be limited

As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you and to improve marketing, analytics, and Website functionality.

We partner with third parties to display advertising on our Website and manage our advertising on other websites. Our third party partners may use technologies such as cookies to gather information about your activities on this Website and other websites in order to provide you advertising based upon your browsing activities and interests.

Security of Information

AMC Group takes reasonable steps to safeguard your personal and sensitive information through vigorous physical, electronic, and operational policies and practices. Data can only be read or written through defined service access points, the use of which is password-protected. The physical security of the data is achieved through a combination of network firewalls (there is no direct communication allowed between the database server and the Internet) and servers with operating systems, all housed in a secure facility. Access to the system is controlled.

American Merchant Capital Group takes the security of your information very seriously. American Merchant Capital Group protects your information using Secure Sockets Layer (SSL) protocol. This creates an encrypted connection between your browser and our servers. When you enter Sensitive Personal Information (such as a credit card number) on our order forms, we encrypt the transmission of that information.

No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Website, you can contact us at support@americancapitalgrp.com.

Additional Information

3rd Party Links

Our Website includes links to other websites whose privacy practices may differ from those of American Merchant Capital Group. If you submit personal information to any of those websites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

Marketing Communications

We may send you emails from time-to-time about information that we (or third parties) believe may be of interest to you. We may also send you news and offers from us or other third parties, which may include our newsletter or information about special offers, products or offerings, or other items.

Testimonials

We display personal testimonials of satisfied customers on our Website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us by email at support@americancapitalgrp.com or by postal mail at the contact information listed below.

International Users

The Website is hosted in the United States. If you are accessing the Website from outside the United States, by providing your information to the Website, you are consenting to and authorizing the transfer of your information to the United States for storage, use, processing, maintenance, and onward transfer of such information to other entities regardless of their location in accordance with this Privacy Policy. You are also consenting to the application of United States law in all matters concerning the Website.

Social Media Widgets

Our Website includes social media features that may collect your IP address, which pages you are visiting on our Website, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by the privacy policy of the company providing it.

Session Time-Outs

We also employ session time-outs to protect your account. You will be logged out of the Website automatically after a specified period of inactivity. This time-out feature reduces the risk of others being able to access your account if you leave your computer unattended.

Changes to This Policy

We may update this privacy policy to reflect changes to our information practices. If we make any material changes we will notify you by a notice on this Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Us

If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, please contact us by email at support@americancapitalgrp.com, or with a letter by postal mail to:

American Merchant Capital Group.
ATTN: Marketing
11 Broadway, Suite 334
New York, NY 10004
USA

This Privacy Policy is effective as of October 10, 2014.

 

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