Privacy Policy

Privacy Policy

Welcome to Phoenix Capital Advance LLC ("Company," "we," "our," or "us"). We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, submit a funding inquiry or application, or communicate with us.

Information We Collect

We may collect information you provide directly, information generated through website use, and information created during the business funding qualification process, including:

• Name, business name, title, and contact information.
• Email address, phone number, business address, and owner or guarantor address.
• Business details, including revenue, industry, use of funds, tax ID or EIN, and entity information.
• Financial and business information you voluntarily provide, including bank statements and existing financing information.
• Owner or guarantor information provided in an application, which may include date of birth, driver license information, estimated credit information, and Social Security number where requested for funding review.
• IP address, browser type, device information, referral source, and website usage data.
• Communication records, including phone calls, text messages, emails, application notes, and support messages.

How We Use Your Information

We use information for business and funding-related purposes, including to:

• Respond to inquiries and communicate with you.
• Evaluate eligibility for merchant cash advance options, business financing products, and related commercial funding solutions.
• Match your business with funding providers, financing partners, brokers, processors, and service providers involved in reviewing funding opportunities.
• Process applications, request documents, and provide customer service.
• Send updates regarding your inquiry, application, account, appointments, or requested services.
• Improve our website, services, underwriting workflow, fraud prevention, and customer experience.
• Comply with legal, regulatory, contractual, and recordkeeping obligations.
• Prevent fraud, unauthorized activity, misuse, and security incidents.

SMS Communications

By providing your mobile phone number, you consent to receive SMS messages related to your inquiry, application, account, appointments, document requests, and customer support.

• Message frequency varies based on your interaction with us.
• Message and data rates may apply.
• You may opt out at any time by replying STOP.
• For assistance, reply HELP or contact us directly.
• Your consent to receive SMS messages is not a condition of purchasing any goods or services.
• SMS consent is not shared with third parties or affiliates for marketing or promotional purposes.

Sharing Your Information

We may share information only as reasonably needed to operate our business and review financing opportunities, including with:

• Funding providers, financing partners, broker partners, and processors for the purpose of evaluating or offering financing opportunities.
• Service providers that help operate our website, communications, application intake, document processing, analytics, security, and business operations.
• Professional advisers, compliance vendors, or legal authorities when required by law, subpoena, regulation, court order, or to protect rights and safety.

We do not sell your personal information. We do not share SMS consent with third parties or affiliates for marketing or promotional purposes.

Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, disclosure, alteration, or destruction. No system can be guaranteed completely secure, and you should submit information only through methods you trust.

Cookies

Our website may use cookies and similar technologies to improve user experience, understand website traffic, remember preferences, and support website functionality. You may control cookies through your browser settings, but some features may not work as intended if cookies are disabled.

Your Rights

Depending on your location, you may have rights regarding access, correction, deletion, portability, objection, or restriction of your personal information. To make a request, contact us using the information below. We may need to verify your identity before processing a request.

Changes to This Policy

We may update this Privacy Policy at any time. Updates will be posted on this page with a revised effective date. Your continued use of the website after a policy update means the revised policy applies going forward.

Terms and Conditions

By accessing or using this website, you agree to these Terms and Conditions.

Services

Phoenix Capital Advance LLC provides information regarding business financing products and may connect businesses with funding providers. Approval for financing is not guaranteed.

No Financial Advice

Information provided on this website is for informational purposes only and should not be considered legal, tax, accounting, or financial advice.

User Responsibilities

• You agree that information you provide is accurate and truthful.
• You will not use this website for unlawful purposes.
• You will not attempt to interfere with website operations, security, or availability.

Intellectual Property

All website content, including text, graphics, logos, and software, is the property of Phoenix Capital Advance LLC or its licensors and may not be copied without permission.

Limitation of Liability

To the fullest extent permitted by law, Phoenix Capital Advance LLC shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from the use of this website or our services.

Third-Party Services

We may refer you to third-party funding providers, financing partners, or service providers. We are not responsible for their decisions, policies, services, or communications.

SMS Terms and Conditions

By opting in to receive SMS communications from Phoenix Capital Advance LLC, you agree to receive text messages related to funding inquiries, application updates, appointment reminders, document requests, customer support, and account notifications. Message frequency varies. Message and data rates may apply. Reply STOP at any time to unsubscribe. Reply HELP for assistance. Consent to receive SMS messages is not a condition of purchasing any goods or services. We do not share SMS consent with third parties or affiliates for marketing or promotional purposes.

Governing Law

These Terms shall be governed by the laws of the state in which Phoenix Capital Advance LLC is organized, without regard to conflict-of-law principles.

Changes

We reserve the right to modify these Terms at any time. Continued use of the website constitutes acceptance of any revised Terms.

Contact Us

If you have any questions regarding this Privacy Policy or these Terms, please contact us: