How we collect data
Our website address is: http://188.8.131.52.
Effective date: 23rd day of October, 2021
www.merchantsbancard.com (the”Site”) is owned and operated by MBNCARD, Inc.
The personal data we will collect;
Use of collected data;
Who has access to the data collected;
The rights of Site users; and
MerchantsBancard.com may conduct business in California and is exempt from the CCPA since the CCPA applies to for-profit businesses that do business in California and meet any of the following:
Have a gross annual revenue of over $25 million;
Buy, receive, or sell the personal information of 50,000 or more California residents, households, or devices; or
Derive 50% or more of their annual revenue from selling California residents’ personal information.
MerchantsBancard.com does not meet any of the requirements above within the CCPA.
MerchantsBancard.com may conduct business in California and is exempt from the new CPRA which begins on January 1, 2023. The new CPRA will apply to any for-profit entity doing business in California that collects California consumers’ personal data, and:
Had gross revenues exceeding $25 million as of January 1 in the preceding calendar year; or
Buys, sells, or shares the information of 100,000 or more consumers or households; or
Derives 50 percent or more of their annual revenue from selling or sharing consumers’ personal information.
MerchantsBancard.com does not meet any of the requirements above within the CPRA.
By using our Site users agree that they consent to:
Personal Data We Collect
Data Collected in a Non-Automatic Way
We may also collect the following data when you perform certain functions on our Site:
First and last name;
Building or structure details;
This data may be collected using the following methods:
Only if user provides the information on our contact forms, “Schedule a Call” form or “Offer Your Customers Financing” form.
How We Use Personal Data
The data we collect when the user performs certain functions may be used for the following purposes:
We use this information to help the user to either obtain financing for their business or to assist the user in offering financing to their customers.
Who We Share Personal Data With
We may share user data with the following third parties:
Only after you voluntarily submit your information to be contacted for financing and agree to share your information we may share your application information with lenders such the bank, financing company and/or leasing company you choose to have contact you; and
Only after you complete the “Offer Your Customers Financing” form will your information be shared with a lender and/or lending platform to assist you with offering financing to your customers.
We may share the following user data with third parties:
Information you provide on our website forms and information you provide on our applications you complete.
We may share user data with third parties for the following purposes:
For a lender to contact you about financing or to help you offer financing to your customers.
Third parties will not be able to access user data beyond what is reasonably necessary to achieve the given purpose.
We will not sell your data. We will not share your data with other third parties, except in the following cases:
If the law requires it;
If it is required for any legal proceeding;
To prove or protect our legal rights; and
To buyers or potential buyers of this company in the event that we seek to sell the company.
If you follow hyperlinks from our Site to another Site, please note that we are not responsible for and have no control over their privacy policies and practices.
What personal data we collect and why we collect it
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
Who we share your data with
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Visitor comments may be checked through an automated spam detection service.
Additional Security Notice
While we take all reasonable precautions to ensure that user data is secure and that users are protected, there always remains the risk of harm. The Internet as a whole can be insecure at times and therefore we are unable to guarantee the security of user data beyond what is reasonably practical.
We do not knowingly collect or use personal data from children under 13 years of age. If we learn that we have collected personal data from a child under 13 years of age, the personal data will be deleted as soon as possible. If a child under 13 years of age has provided us with personal data their parent or guardian may contact our privacy officer.
How to Access, Modify, Delete, or Challenge the Data Collected
If you would like to know if we have collected your personal data, how we have used your personal data, if we have disclosed your personal data and to who we disclosed your personal data, or if you would like your data to be deleted or modified in any way, please contact our privacy officer here:
Do Not Track Notice
Do Not Track (“DNT”) is a privacy preference that you can set in certain web browsers. We do not track the users of our Site over time and across third party websites and therefore do not respond to browser-initiated DNT signals. We are not responsible for and cannot guarantee how any third parties who interact with our Site and your data will respond to DNT signals.
How to Opt-Out of Data Collection, Use or Disclosure
In addition to the method(s) described in the How to Access, Modify, Delete, or Challenge the Data Collected section, we provide the following specific opt-out methods for the forms of collection, use, or disclosure of your personal data specified below:
Users can opt out of having their personal data being shared at any time. You can opt-out by contacting us via our contact form, e-mail or phone to express they no longer want us to help them obtain financing or offer financing to their customers.
A cookie is a small file, stored on a user’s hard drive by a website. Its purpose is to collect data relating to the user’s browsing habits. You can choose to be notified each time a cookie is transmitted. You can also choose to disable cookies entirely in your internet browser, but this may decrease the quality of your user experience.
We use the following types of cookies on our Site:
Functional cookies are used to remember the selections you make on our Site so that your selections are saved for your next visits.
If you have any questions, concerns or complaints, you can contact our privacy officer at: