Privacy Policy - Quick Merchant Capital

Quick Merchant Capital
Last Updated: July 11, 2025

1. Introduction

Welcome to Quick Merchant Capital (“Company,” “we,” “us,” or “our”). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://quickmerchantcapital.com (the “Site”) and use our financial services, including but not limited to merchant cash advances, business loans, and other business financing products (collectively, the “Services”).

By accessing or using our Site and Services, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Site or Services.

Quick Merchant Capital
3341 Bicetown Road, Manhattan, NY 10016
Phone: (718) 866-4142
Email: [email protected]

2. Information We Collect

We collect information that you provide directly to us, information collected automatically when you use our Site, and information obtained from third-party sources.

2.1 Personal Information You Provide to Us

When you apply for financing, create an account, fill out a form, or otherwise interact with our Site and Services, we may collect the following categories of personal information:

Identity Information: Full name, date of birth, Social Security Number (SSN) or Employer Identification Number (EIN), driver’s license number or state-issued identification number.
Contact Information: Mailing address, email address, phone number, and fax number.
Business Information: Business name, business address, business phone number, type of business, industry, years in operation, number of employees, annual revenue, monthly revenue, and business tax identification number.
Financial Information: Bank account numbers, bank statements, credit card processing statements, tax returns (personal and business), financial statements, outstanding debt information, existing loan or advance details, and credit history.
Application Information: Loan or advance amount requested, intended use of funds, and any other information you provide on an application or related documents.
Ownership Information: Percentage of ownership, names and contact information of other business owners or guarantors.
Login Credentials: Username, password, and security questions and answers for account access.
Communication Records: Records of your correspondence with us, including emails, phone call recordings (where permitted by law), chat transcripts, and other communications.

2.2 Information Collected Automatically

When you access or use our Site, we may automatically collect certain information, including:

Device and Browser Information: IP address, browser type and version, operating system, device type, device identifiers, screen resolution, and language preferences.
Usage Data: Pages viewed, links clicked, time and date of visits, duration of visits, referring URL, and navigation paths through the Site.
Location Information: General geographic location based on your IP address.
Cookies and Similar Technologies: We use cookies, web beacons, pixel tags, and similar tracking technologies to collect information about your browsing activities. See Section 7 (Cookies and Tracking Technologies) for more details.

2.3 Information from Third-Party Sources

We may obtain information about you from third-party sources, including:

Credit Reporting Agencies: Credit reports, credit scores, and credit history from agencies such as Experian, Equifax, TransUnion, and other specialty consumer reporting agencies.
Banking Data Providers: Bank account verification and transaction history through third-party banking data aggregators (e.g., Plaid, Yodlee, or similar services).
Public Records and Databases: Information from public records, including UCC filings, tax liens, judgments, bankruptcy filings, and business registration records.
Identity Verification Services: Information used to verify your identity and prevent fraud.
Business Data Providers: Business credit reports, industry data, and other business-related information from providers such as Dun & Bradstreet or similar services.
Marketing Partners and Affiliates: Lead information and referral data from our marketing partners, affiliate networks, brokers, and ISO (Independent Sales Organization) partners.
Social Media Platforms: Publicly available information from social media profiles if you interact with us through social media.

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Providing and Managing Our Services

To process and evaluate your application for merchant cash advances, business loans, or other financing products.
To underwrite, fund, and service your account.
To verify your identity and the information you provide.
To communicate with you regarding your application, account, and transactions.
To process payments, collections, and other financial transactions.
To manage and maintain your account.

3.2 Business Operations

To operate, maintain, and improve our Site and Services.
To develop new products, services, features, and functionality.
To perform data analysis, audits, and research to improve our business operations.
To monitor and analyze usage trends and preferences.

3.3 Marketing and Communications

To send you promotional materials, newsletters, and other marketing communications about our products, services, and special offers (you may opt out at any time).
To personalize your experience and deliver content and product offerings relevant to your interests.
To conduct surveys, contests, and promotions.

3.4 Legal and Compliance

To comply with applicable federal, state, and local laws, regulations, and legal processes.
To respond to lawful requests from public authorities, including law enforcement and regulatory agencies.
To enforce our terms and conditions, contracts, and agreements.
To protect our rights, privacy, safety, and property, and that of our users, employees, and the public.

3.5 Fraud Prevention and Security

To detect, investigate, and prevent fraudulent transactions, unauthorized access, and other illegal activities.
To protect the security and integrity of our Site, Services, and business operations.
To verify the accuracy of information provided to us.

3.6 Risk Assessment

To assess creditworthiness, business viability, and risk associated with providing financing.
To monitor portfolio performance and manage risk exposure.

4. How We Share Your Information

We may share your personal information in the following circumstances:

4.1 Service Providers

We share information with third-party service providers who perform services on our behalf, including:

Payment processors and banking partners
Credit reporting agencies and data analytics providers
IT and cloud hosting providers
Customer relationship management (CRM) providers
Email and communication service providers
Legal, accounting, and auditing professionals
Document management and electronic signature providers
Collections agencies
Marketing and advertising service providers

4.2 Business Partners

We may share information with:

ISO partners, brokers, and referral partners involved in your application or financing.
Lending partners, co-funders, or syndication partners who participate in providing financing.
Banks and financial institutions that participate in servicing your account.

4.3 Credit Reporting

We may report information about your account, including payment history, to credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

4.4 Legal Requirements

We may disclose your information where required to do so by law or in response to valid requests by public authorities (e.g., a court order, subpoena, or government regulation).

4.5 Business Transfers

In connection with, or during negotiations of, any merger, acquisition, sale of assets, financing, bankruptcy, dissolution, or similar transaction involving all or a portion of our business, your personal information may be shared or transferred as a business asset.

4.6 With Your Consent

We may share your information for any other purpose disclosed to you at the time we collect the information or with your prior consent.

4.7 Aggregated or De-Identified Data

We may share aggregated, anonymized, or de-identified data that cannot reasonably be used to identify you for any purpose, including research, analytics, marketing, and industry reporting.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy any legal, regulatory, accounting, or reporting requirements. The retention period may vary depending on the context of the processing and our legal obligations.

In general:

Application data for applicants who do not receive funding is retained for up to 7 years from the date of the application.
Account and transaction data for funded clients is retained for up to 7 years after the account is closed or the financing is fully repaid.
Marketing and communication preferences are retained until you opt out or request deletion.
Website usage data collected through cookies and similar technologies is typically retained for up to 24 months.

After the applicable retention period expires, we will securely delete or anonymize your personal information, unless a longer retention period is required or permitted by law.

6. Data Security

We implement commercially reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, alteration, disclosure, or destruction. These measures include, but are not limited to:

Encryption: We use industry-standard SSL/TLS encryption to protect data transmitted between your browser and our Site. Sensitive data stored in our systems is encrypted at rest.
Access Controls: Access to personal information is restricted to authorized employees, contractors, and agents who need the information to perform their job duties. Access is granted on a need-to-know basis and is subject to confidentiality obligations.
Network Security: We employ firewalls, intrusion detection and prevention systems, and other network security measures to protect our infrastructure.
Monitoring: We continuously monitor our systems for potential vulnerabilities, security threats, and unauthorized access.
Employee Training: Our employees receive regular training on data privacy and security best practices.

While we strive to protect your personal information, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee absolute security. If you have reason to believe that your interaction with us is no longer secure, please contact us immediately at [email protected].

7. Cookies and Tracking Technologies

7.1 What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They are widely used to make websites work more efficiently and to provide reporting information.

7.2 Types of Cookies We Use

Strictly Necessary Cookies: These cookies are essential for the operation of our Site. They enable core functionality such as security, network management, and account access. You cannot opt out of these cookies.
Performance and Analytics Cookies: These cookies collect information about how visitors use our Site, such as which pages are visited most often and whether visitors encounter error messages. We use services such as Google Analytics to collect and analyze this information. These cookies do not collect information that identifies individual visitors.
Functionality Cookies: These cookies allow our Site to remember choices you make (such as your username, language, or region) and provide enhanced, more personalized features.
Targeting and Advertising Cookies: These cookies are used to deliver advertisements that are relevant to you and your interests. They are also used to limit the number of times you see an advertisement and to measure the effectiveness of advertising campaigns. We may use third-party advertising networks such as Google Ads, Facebook Pixel, and other similar platforms.

7.3 Managing Cookies

You can manage your cookie preferences through your browser settings. Most browsers allow you to:

View what cookies are stored and delete them individually.
Block third-party cookies.
Block cookies from specific websites.
Block all cookies.
Delete all cookies when you close the browser.

Please note that if you choose to block or delete cookies, some features of our Site may not function properly.

7.4 Do Not Track Signals

Some browsers include a “Do Not Track” (DNT) feature that signals to websites that you do not want your online activity tracked. Currently, there is no uniform standard for interpreting DNT signals. As such, our Site does not currently respond to DNT signals.

8. Third-Party Links

Our Site may contain links to third-party websites, services, and applications that are not operated by us. If you click on a third-party link, you will be directed to that third party’s website. We strongly advise you to review the privacy policy of every website you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. This Privacy Policy does not apply to information collected by third parties.

9. Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information. These may include:

9.1 Access and Portability

You may request access to the personal information we have collected about you and request a copy of that information in a portable, commonly used format.

9.2 Correction

You may request that we correct inaccurate personal information we maintain about you.

9.3 Deletion

You may request that we delete the personal information we have collected about you, subject to certain exceptions (such as when retention is required by law or necessary to complete a transaction).

9.4 Opt-Out of Marketing Communications

You may opt out of receiving promotional emails from us by following the unsubscribe instructions included in each email or by contacting us at [email protected]. Even if you opt out, we may still send you non-promotional communications, such as those related to your account or our ongoing business relationship.

9.5 Opt-Out of Sale/Sharing of Personal Information

If applicable under your state’s privacy laws, you may opt out of the sale or sharing of your personal information for targeted advertising purposes. To exercise this right, please contact us using the information provided below.

9.6 Non-Discrimination

We will not discriminate against you for exercising any of your privacy rights.

9.7 How to Exercise Your Rights

To exercise any of the rights described above, please contact us at:

Quick Merchant Capital
3341 Bicetown Road, Manhattan, NY 10016
Phone: (718) 866-4142
Email: [email protected]

We may need to verify your identity before processing your request. We will respond to your request within the timeframe required by applicable law (typically within 30-45 days).

10. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:

The right to know what personal information we collect, use, disclose, and sell.
The right to delete personal information collected from you, subject to certain exceptions.
The right to opt out of the sale or sharing of your personal information.
The right to correct inaccurate personal information.
The right to limit the use and disclosure of sensitive personal information.
The right to non-discrimination for exercising your privacy rights.

To exercise your California privacy rights, please contact us at (718) 866-4142 or email us at [email protected].

Notice of Financial Incentive: We may offer financial incentives or price or service differences that are related to the collection, retention, or use of personal information. The terms of any financial incentive will be presented to you at the time of sign-up, and you may revoke your consent at any time.

11. State-Specific Privacy Disclosures

Residents of certain states (including Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, and others with comprehensive privacy laws) may have additional privacy rights under their respective state privacy laws. These rights may include the right to access, correct, delete, and obtain a copy of personal information, as well as the right to opt out of targeted advertising, profiling, and the sale of personal information.

To exercise rights under your state’s privacy law, please contact us using the contact information provided in this Privacy Policy.

12. Children’s Privacy

Our Site and Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected personal information from a child under 18, we will take steps to delete such information promptly. If you believe that we may have collected information from a child under 18, please contact us at [email protected].

13. International Users

Our Site and Services are operated in the United States and are intended for users located in the United States. If you access our Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country of residence. By using our Site and Services, you consent to the transfer and processing of your information in the United States.

14. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time and without prior notice. When we make changes, we will update the “Last Updated” date at the top of this Privacy Policy and post the revised version on our Site. Your continued use of the Site and Services after any changes to this Privacy Policy constitutes your acceptance of the updated terms.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

15. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or our data practices, please contact us at:

Quick Merchant Capital
3341 Bicetown Road, Manhattan, NY 10016
Phone: (718) 866-4142
Email: [email protected]

We will make every effort to address your concerns in a timely and satisfactory manner.