Privacy Policy

Effective Date: March 1, 2026

Merchant Fund Express ("Company," "we," "us," or "our") operates as a business funding broker and marketplace. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit our website at merchantfundexpress.com or use our services.

By accessing our website or submitting information through our platform, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

• Personal Identification Information: Name, email address, phone number, mailing address, date of birth, and Social Security Number or ITIN (when required for funding applications).
• Business Information: Business name, industry type, years in operation, annual revenue, monthly revenue, business address, EIN/Tax ID, and ownership details.
• Financial Information: Bank statements, credit score range, existing debts, and other financial data necessary to evaluate funding options.
• Technical Information: IP address, browser type, device information, operating system, referring URLs, and pages visited on our website.
• Communication Records: Emails, phone call records, chat transcripts, and other correspondence between you and our team.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Funding Matching: To evaluate your business profile and connect you with appropriate funding providers from our network.
• Application Processing: To submit your application to one or more funding providers on your behalf.
• Communication: To contact you regarding your application status, available funding options, and our services.
• Service Improvement: To analyze usage patterns and improve our website, services, and user experience.
• Compliance: To comply with legal and regulatory obligations.
• Marketing: To send you information about funding solutions and business resources that may be relevant to you, subject to your opt-out preferences.

3. Information Sharing and Disclosure

As a business funding broker and marketplace, sharing your information with funding providers is a core part of our service. We may share your information with:

• Funding Providers: We share your business and financial information with lenders, funding companies, and financial institutions in our network to facilitate funding offers for your business. By submitting an application, you authorize us to share your information with multiple funding providers.
• Service Providers: Third-party vendors who assist us with website hosting, analytics, customer support, and other operational needs.
• Legal Requirements: When required by law, regulation, legal process, or governmental request.
• Business Transfers: In connection with a merger, acquisition, or sale of company assets.

We do not sell your personal information to unrelated third parties for their own marketing purposes.

4. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL/TLS encryption for data transmitted through our website
• Secure storage of sensitive information
• Access controls limiting employee access to personal data
• Regular review of our security practices

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Improve website functionality and performance
• Deliver relevant content and measure effectiveness

You can control cookie settings through your browser preferences. Disabling cookies may limit certain functionality on our website.

6. Third-Party Services

Our website may contain links to third-party websites, services, or funding providers. This Privacy Policy applies only to our website and services. We are not responsible for the privacy practices of third-party sites. We encourage you to review the privacy policies of any third-party services you interact with.

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal and contractual obligations.
• Opt-Out: Unsubscribe from marketing communications at any time by clicking the "unsubscribe" link in our emails or contacting us directly.
• Do Not Sell: If applicable under your state's privacy law, you may opt out of the sale of your personal information.

To exercise any of these rights, please contact us using the information provided below.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we will securely delete or anonymize it.

9. Children's Privacy

Our services are intended for businesses and individuals who are at least 18 years of age. We do not knowingly collect personal information from individuals under 18. If we learn that we have collected information from a minor, we will promptly delete it.

10. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on this page with a revised "Effective Date." We encourage you to review this page periodically.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: