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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
- →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. We use your information to process and evaluate your funding application, match your profile to appropriate lenders, communicate with you about your account and offers, improve our platform and AI systems, and comply with applicable legal requirements.
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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. You reach out to us
- ✕We never shop your file — your financial documents are never sent to multiple lenders simultaneously without your knowledge and consent
- ✕We never allow advertisers to target you based on your financial information or funding activity on our platform
- ✕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 or lenders 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. You may request deletion of your account and personal information at any time. We will honor deletion requests to the fullest extent permitted by law.
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Your Rights
- →Right to access — you may request a copy of the personal information we hold about you at any time
- →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
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, including login sessions and security. These cannot be disabled.
- →Analytics cookies — help us understand how the platform is used so we can improve it. Anonymized and aggregated only.
- →Preference cookies — remember your settings and preferences to personalize your experience.
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.
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
SMS Opt-In: If you provide your phone number through any of our forms, you consent to receive SMS messages related to your inquiry or account.
Message and data rates may apply. Reply
STOP to opt out at any time. Reply
HELP for help. You may opt out of any non-essential communications at any time by contacting us at
hello@mcaexchange.ai or by replying STOP to any text message.
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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 on our platform at least 30 days before the changes take effect. We will never use a policy update to reduce your privacy protections or introduce practices that conflict with our core commitment.