AI MCA Exchange — Privacy Policy

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INFORMATION WE COLLECT

When you use AI MCA Exchange, we collect information necessary to provide you with funding options and operate the platform. We collect only what we need — nothing more.

Information you provide directly:

→Account information — your name, email address, phone number, and password when you create an account

→Business information — business name, type, address, time in business, and industry

→Financial information — bank statements, monthly revenue figures, and existing funding positions you submit as part of the funding application process

→Identity information — government-issued ID and other verification documents required by our lending partners

→Communications — messages you send through our contact form, AI agent interactions, and support correspondence

Information collected automatically:

→Usage data — pages visited, features used, and time spent on the platform

→Device information — browser type, operating system, and IP address

→Cookies and tracking — see our Cookies section below for full details

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HOW WE USE YOUR INFORMATION

We use the information we collect for specific, limited purposes — all of which are directly related to providing you with the best possible funding experience.

Purpose	How We Use It
Funding Matching	To analyze your file and match it to the most appropriate direct lender based on your business profile, revenue, and funding needs
Account Management	To create and maintain your account, authenticate your identity, and provide access to your personal AI funding agent
Communication	To contact you when a funding offer is ready, respond to your inquiries, and send account-related notifications you have requested
Platform Improvement	To understand how our platform is used and improve the experience — always in aggregate and anonymized form
Legal Compliance	To comply with applicable laws, regulations, and legal obligations
Fraud Prevention	To detect and prevent fraudulent activity and protect the integrity of the Exchange

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WHAT WE NEVER DO

These are absolute commitments — not subject to exceptions, fine print, or future changes without your explicit consent.

✕We never sell your personal information to any third party, data broker, lead aggregator, or marketing company — ever, under any circumstances

✕We never share your information with MCA brokers — your file goes directly to matched lenders only, never to brokers or their networks

✕We never send unsolicited funding solicitations — we will never text, call, or email you asking if you need funding

✕We never shop your file — your financial documents are never sent to multiple lenders without your knowledge and consent

✕We never allow advertisers to target you based on your financial information or funding activity

✕We never use your data for purposes beyond this policy without first obtaining your explicit consent

The bottom line: Your information is used to get you funded — and nothing else.

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INFORMATION SHARING

We share your information only in the following limited, necessary circumstances:

→Direct lenders on our Exchange — when you authorize us to submit your file, your information is shared only with the specific lender matched to your profile. You will know which lender receives your file before submission.

→Service providers — trusted technology partners who help us operate the platform. These partners are contractually prohibited from using your data for any purpose other than providing services to us.

→Legal requirements — we may disclose your information when required by law, court order, or to protect rights and safety.

→Business transfers — in the event of a merger or acquisition, your information may be transferred with the same privacy protections applied.

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DATA SECURITY

You are trusting us with sensitive financial information. We take that seriously.

→256-bit SSL encryption on all data transmitted to and from our platform

→Encrypted storage for all sensitive financial documents and personal information at rest

→Access controls — your data is accessible only to authorized personnel with a legitimate need

→Regular security audits to identify and address vulnerabilities

→Secure document handling — financial documents processed in isolated environments

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DATA RETENTION

We retain your information only for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, and resolve any disputes.

Data Type	Retention Period
Account information	Duration of your account plus 3 years after closure
Financial documents	Duration of the application process plus 5 years for compliance
Funded deal records	7 years as required by financial regulations
Communication records	3 years from the date of communication
Usage and analytics data	24 months, anonymized after 12 months

You may request deletion of your account and personal information at any time.

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YOUR RIGHTS

→Right to access — you may request a copy of the personal information we hold about you

→Right to correction — you may request that we correct inaccurate or incomplete information

→Right to deletion — you may request that we delete your personal information, subject to our legal obligations

→Right to portability — you may request your data in a structured, machine-readable format

→Right to opt out — you may opt out of any non-essential communications at any time

→Right to restrict processing — in certain circumstances, you may request that we limit how we use your information

To exercise any of these rights, contact us at hello@mcaexchange.ai. We will respond within 30 days. California residents have additional rights under CCPA — we honor all CCPA requests.

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COOKIES

We use cookies and similar tracking technologies to operate and improve our platform. We use the minimum necessary — we are not in the business of surveillance.

→Essential cookies — required for the platform to function. These cannot be disabled.

→Analytics cookies — help us understand how the platform is used. Anonymized and aggregated only.

→Preference cookies — remember your settings and preferences.

We do not use advertising cookies or allow third-party advertising trackers on our platform.

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COMMUNICATIONS & SMS

We will only contact you when you have asked us to, or when there is a real, specific reason directly related to your account or your funding.

SMS Program Description: SJM AND SON INC DBA AI MCA Exchange operates an SMS messaging program to communicate with merchants about their funding applications, account status, document requests, and offer notifications. Messages are sent only to users who have explicitly opted in. This is a transactional and account-notification program — not a marketing program.

SMS Opt-In Details:

✓Who sends messages: SJM AND SON INC DBA AI MCA Exchange only. No third parties ever send messages using your opt-in.

✓Message types: Application status updates, document requests, funding offer notifications, account confirmations, and security alerts.

✓Message frequency: Varies based on account activity. Typically 2–6 messages per month.

✓Message and data rates: Standard message and data rates may apply depending on your mobile carrier and plan.

✓How to opt out: Reply STOP to any message at any time. You will receive one final confirmation and no further SMS messages will be sent. You may also opt out by contacting us at hello@mcaexchange.ai or (732) 402-4299.

✓How to get help: Reply HELP to any message or contact us at hello@mcaexchange.ai or (732) 402-4299.

✓Consent not required: You are not required to consent to SMS messages to use our services or obtain funding.

Communications you will receive from us:

✓Account creation and verification confirmations

✓Notification that a funding offer is ready for your review

✓Responses to messages you have sent us

✓Security alerts and important account notices

Communications you will never receive from us:

✕Unsolicited texts, calls, or emails asking if you need funding

✕Marketing from third-party companies using your contact information

✕Promotional messages from lenders on our platform

✕Any communication designed to pressure or solicit you

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CHILDREN'S PRIVACY

AI MCA Exchange is a business funding platform intended exclusively for adults operating legitimate businesses. We do not knowingly collect personal information from anyone under the age of 18. If you believe a minor has provided us with personal information, please contact us immediately at hello@mcaexchange.ai and we will promptly delete it.

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POLICY CHANGES

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will notify you by email and post a prominent notice at least 30 days before the changes take effect. We will never use a policy update to reduce your privacy protections.

PRIVACY POLICY

QUESTIONS ABOUT THIS POLICY?