Privacy Policy

1. Overview

Anchor & Merchant LLC ("Anchor & Merchant," "we," "us," or "our") is a business capital advisory and funding brokerage. This Privacy Policy explains what information we collect when you visit our website or use our services, how we use and share that information, and the choices you have regarding your information.

By using our website, submitting a funding application, or purchasing a Funding Blueprint, you agree to the practices described in this policy. If you do not agree, please do not use our services.

2. Information We Collect

Depending on how you interact with Anchor & Merchant, we may collect:

• Contact information: name, email address, phone number, and business address.
• Business information: business name, structure, industry, time in business, EIN, and revenue figures.
• Financial information: bank relationships, monthly and annual revenue, funding goals, and self-reported credit score.
• Identity information: for funding applications, this may include date of birth and Social Security Number, as required by our lending partners to evaluate funding eligibility.
• Payment information: if you purchase a Funding Blueprint, payment is processed securely by our payment provider (such as Stripe). We do not store your full credit card number.
• Usage data: pages visited, time on site, and general device/browser information collected automatically through standard web analytics.

3. How We Use Your Information

We use the information we collect to:

• Generate your personalized Funding Blueprint and capital recommendations.
• Match your business profile against our network of lending partners.
• Process payments for the Funding Blueprint.
• Communicate with you about your application, blueprint, or funding options.
• Improve our website, services, and the accuracy of our funding recommendations.
• Comply with legal and regulatory obligations.

4. How We Share Your Information

We do not sell your personal information to third parties for advertising purposes. We may share your information with:

• Lending partners and funding platforms in order to match you with funding products and process your application.
• Payment processors to securely handle transactions for the Funding Blueprint.
• Service providers who help us operate our business, such as hosting and customer relationship management tools, under confidentiality obligations.
• Legal and regulatory authorities when required by law, subpoena, or to protect our rights, property, or safety.

5. Credit Checks & Soft Pulls

When you complete a funding application, we and our lending partners may perform a soft credit inquiry to evaluate your funding options. A soft inquiry does not affect your credit score.

The Funding Blueprint does not involve any credit pull. It is generated from the credit information and credit report you provide directly.

A hard credit inquiry, which may temporarily affect your credit score, will only occur if and when you choose to accept a specific funding offer from a lender. We will never initiate a hard credit pull without your knowledge or consent.

6. Data Security

We use end-to-end encryption and industry-standard security practices to protect your information, consistent with SOC 2 compliance standards used by our technology partners. While we take reasonable steps to protect your data, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. If you would like your information deleted, you may contact us using the information below, subject to any legal retention requirements.

8. Your Rights and Choices

Depending on your state of residence, you may have the right to:

• Request access to the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your personal information, subject to legal exceptions.
• Opt out of marketing communications at any time by following the unsubscribe link in our emails or contacting us directly.

To exercise any of these rights, contact us using the information in Section 12 below.

9. Cookies & Tracking

Our website may use cookies and similar technologies to understand site usage and improve user experience. You can control cookie preferences through your browser settings. Disabling cookies may affect certain site functionality.

10. Children's Privacy

Our services are intended for business owners and are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. Continued use of our services after changes are posted constitutes acceptance of the revised policy.

12. Contact Us

If you have questions about this Privacy Policy or how we handle your information, contact us at:

Anchor & Merchant LLC
Email: [email protected]