Please review our Website’s Privacy Policy Below

Privacy Policy for

www.merchantsbancard.com

 

Our website address is: http://54.215.22.5.

Effective date: 23rd day of October, 2021

Reviewed: 11/7/2022

​

www.merchantsbancard.com (the”Site”) is owned and operated by MBNCARD, Inc.

Purpose

The purpose of this privacy policy (this “Privacy Policy”) is to inform users of our Site of the following:

The personal data we will collect;

Use of collected data;

Who has access to the data collected;

The rights of Site users; and

The Site’s cookie policy.

This Privacy Policy applies in addition to the terms and conditions of our Site.

MerchantsBancard.com may conduct business in California and is exempt from the CCPA since the CCPA applies to for-profit businesses that do business in California and meet any of the following:

Have a gross annual revenue of over $25 million;

Buy, receive, or sell the personal information of 50,000 or more California residents, households, or devices; or

Derive 50% or more of their annual revenue from selling California residents’ personal information.

MerchantsBancard.com does not meet any of the requirements above within the CCPA.

​

MerchantsBancard.com may conduct business in California and is exempt from the new CPRA which begins on January 1, 2023.  The new CPRA will apply to any for-profit entity doing business in California that collects California consumers’ personal data, and:

Had gross revenues exceeding $25 million as of January 1 in the preceding calendar year; or

Buys, sells, or shares the information of 100,000 or more consumers or households; or

Derives 50 percent or more of their annual revenue from selling or sharing consumers’ personal information.

MerchantsBancard.com does not meet any of the requirements above within the CPRA.

​

Consent

By using our Site users agree that they consent to:

The conditions set out in this Privacy Policy; and

The collection, use, and retention of the data listed in this Privacy Policy.

Personal Data We Collect

We only collect data that helps us achieve the purpose set out in this Privacy Policy. We will not collect any additional data beyond the data listed below without notifying you first.

Data Collected in a Non-Automatic Way

We may also collect the following data when you perform certain functions on our Site:

First and last name;

Email address;

Phone number;

State;

Profession; and

Building or structure details;

This data may be collected using the following methods:

Only if user provides the information on our contact forms, “Schedule a Call” form or “Offer Your Customers Financing” form.

How We Use Personal Data

Data collected on our Site will only be used for the purposes specified in this Privacy Policy or indicated on the relevant pages of our Site. We will not use your data beyond what we disclose in this Privacy Policy.

The data we collect when the user performs certain functions may be used for the following purposes:

We use this information to help the user to either obtain financing for their business or to assist the user in offering financing to their customers.

Who We Share Personal Data With

Employees

We may disclose user data to any member of our organization who reasonably needs access to user data to achieve the purposes set out in this Privacy Policy.

Third Parties

We may share user data with the following third parties:

Only after you voluntarily submit your information to be contacted for financing and agree to share your information we may share your application information with lenders such the bank, financing company and/or leasing company you choose to have contact you; and

Only after you complete the “Offer Your Customers Financing” form will your information be shared with a lender and/or lending platform to assist you with offering financing to your customers.

We may share the following user data with third parties:

Information you provide on our website forms and information you provide on our applications you complete.

We may share user data with third parties for the following purposes:

For a lender to contact you about financing or to help you offer financing to your customers.

Third parties will not be able to access user data beyond what is reasonably necessary to achieve the given purpose.

Other Disclosures

We will not sell your data. We will not share your data with other third parties, except in the following cases:

If the law requires it;

If it is required for any legal proceeding;

To prove or protect our legal rights; and

To buyers or potential buyers of this company in the event that we seek to sell the company.

If you follow hyperlinks from our Site to another Site, please note that we are not responsible for and have no control over their privacy policies and practices.

What personal data we collect and why we collect it

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Contact forms

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Analytics

Who we share your data with

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

Additional Security Notice

While we take all reasonable precautions to ensure that user data is secure and that users are protected, there always remains the risk of harm. The Internet as a whole can be insecure at times and therefore we are unable to guarantee the security of user data beyond what is reasonably practical.

Children

We do not knowingly collect or use personal data from children under 13 years of age. If we learn that we have collected personal data from a child under 13 years of age, the personal data will be deleted as soon as possible. If a child under 13 years of age has provided us with personal data their parent or guardian may contact our privacy officer.

How to Access, Modify, Delete, or Challenge the Data Collected

If you would like to know if we have collected your personal data, how we have used your personal data, if we have disclosed your personal data and to who we disclosed your personal data, or if you would like your data to be deleted or modified in any way, please contact our privacy officer here:

[email protected]

Do Not Track Notice

Do Not Track (“DNT”) is a privacy preference that you can set in certain web browsers. We do not track the users of our Site over time and across third party websites and therefore do not respond to browser-initiated DNT signals. We are not responsible for and cannot guarantee how any third parties who interact with our Site and your data will respond to DNT signals.

How to Opt-Out of Data Collection, Use or Disclosure

In addition to the method(s) described in the How to Access, Modify, Delete, or Challenge the Data Collected section, we provide the following specific opt-out methods for the forms of collection, use, or disclosure of your personal data specified below:

Users can opt out of having their personal data being shared at any time. You can opt-out by contacting us via our contact form, e-mail or phone to express they no longer want us to help them obtain financing or offer financing to their customers.

Cookie Policy

A cookie is a small file, stored on a user’s hard drive by a website. Its purpose is to collect data relating to the user’s browsing habits. You can choose to be notified each time a cookie is transmitted. You can also choose to disable cookies entirely in your internet browser, but this may decrease the quality of your user experience.

We use the following types of cookies on our Site:

Functional cookies

Functional cookies are used to remember the selections you make on our Site so that your selections are saved for your next visits.

Modifications

This Privacy Policy may be amended from time to time in order to maintain compliance with the law and to reflect any changes to our data collection process. When we amend this Privacy Policy we will update the “Effective Date” at the top of this Privacy Policy. We recommend that our users periodically review our Privacy Policy to ensure that they are notified of any updates. If necessary, we may notify users by email of changes to this Privacy Policy.

Contact Information

If you have any questions, concerns or complaints, you can contact our privacy officer at:

[email protected]

 

View our Terms & Conditions