General & Acceptance

This website is owned and operated by Montage Business Financial LLC
(“MBF”). We want you to understand what information we collect, how we
safeguard that information and how we use your information. This Privacy
Policy applies to the information we collect through the MBF websites and otherwise. Your use
of the MBF websites and our services is subject to this Privacy Policy and
the Terms of Service.

This website, and all other MBF websites (collectively, the “Websites”) are
general audience sites and we do not knowingly collect personal, or other,
information from children under the age of 18. If you are under the age of
18, please do not use our site.

We respect and value the privacy of our clients and have developed this
Privacy Policy to demonstrate our commitment to protecting your privacy.
This policy describes and sets forth our policies on the following topics:

1. What information we collect
2. How we collect your information
3. How we use your information
4. Disclosure of your information to third-parties
5. Updating and Accessing your information
6. Security
7. Choice/Opt-out
8. Information obtained from third-parties
9. Special Notice to California Residents
10. Special Notice to Vermont Residents
11. Notification of Privacy Policy changes
12. Contact information

Privacy Policy
This privacy statement describes how MBF collects and uses the personal
information you provide on our website. It also describes the choices
available to you regarding our use of your personal information and how
you can access and update this information.

You agree to this Privacy Policy by accepting MBF’s Terms of Use, by
accessing, browsing, or using this website. You can find a copy of our
Terms of Service here.

Section 1: Information we collect

We collect the following personal information :

• Contact information such as name, mailing address, e-mail and
  telephone.
• Personally identifiable information such as your Social Security
  Number and date of birth.
• Unique identifiers such as user name, account number and
  password.
• Preferences information such as demographic data and data about
  your online activity on the Websites.

We collect the following information regarding your business:

• Name, address, telephone, size, type, and various other aspects
  regarding your business.
• Business Documents: Some clients provide various business and
  personal documents to MBF to provide to certain potential funders.
  These documents may include personal and business tax returns in
  addition to other sensitive
  documents. Any such documents are securely stored and
  safeguarded. At your request and with your permission, these
  documents may be shared with certain funders. Under no
  circumstances will we disclose, transmit, or share in any way, these
  documents without your permission.

Section 2: How we collect your information

• Log Files: Any time you visit any of our websites, our servers
  automatically gather information from your browser (such as your IP
  addresses, browser type, Internet service provider (ISP), referring/exit
  pages, platform type, date/time stamp, and number of clicks) to
  analyze trends, administer the site, prevent fraud, track visitor
  movement in the aggregate, and gather broad demographic
  information. For example, we may log your IP address for system
  administration purposes. IP addresses are logged to track a user´s
  session. This gives us an idea of which parts of our site users are
  visiting. We do not share the log files externally
• Cookies: We use “cookies” to keep track of some types of information
  while you are visiting our website or using our services. Cookies are
  very small files placed on your computer, and they allow us to count
  the number of
  visitors to our website and distinguish repeat visitors from new
  visitors. They also allow us to save user preferences and track user
  trends. We rely on cookies for the proper operation of our website;
  therefore if your browser is set to reject all cookies, the website will
  not function properly. Users who refuse cookies assume all
  responsibility for any resulting loss of functionality. We do not link the
  cookies to any personally identifiable
  information.
• Web Beacons: ”Web beacons” (also known as “clear gifs” and “pixel
  tags”) are small transparent graphic images that are often used in
  conjunction with cookies in order to further personalize our website
  for our users and to collect a limited set of information about our
  visitors. We may also use web beacons in email communications in
  order to understand the behavior of our customers. We do not link the
  web beacons to any personally identifiable information.
• Sign-Up Information: To process sign-ups, we may require your
  name, address, phone number, email address and other personal
  information. Such information is used primarily to process your order
  or as otherwise described herein. This is information you provide to
  us.
• E-mails and Telephone Calls: We require an e-mail address from you
  when you register for our services. We use your e-mail for both
  transactional (e.g., order confirmation, refund and renewal
  processing) and promotional (e.g., newsletters, new product
  offerings, special discounts, event notifications, special third-party
  offers) purposes. E-mail messages we send you may contain code
  that enables our database to track your usage of the e-mails,
  including whether the e-mail was opened and what links (if any) were
  clicked. If you would rather not receive promotional e-mails from us,
  please see the section below labeled “Choice/Opt-Out”. We reserve
  the right to send you certain communications relating to the MBF
  services, such as service announcements and administrative
  messages, without offering you the opportunity to opt out of receiving
  them. We may also contact you by telephone or text message
  (including to any wireless number you may provide to us) solely in
  connection with MBF’s services. If you would rather not receive
  telephone calls or text messages from us, you may change or delete
  your number from your account preferences page(s), or ask to be
  removed from our contact list if you receive a call or text message
  from us. We fully comply with the requirements of the U.S. CANSPAM Act
• Other Sources. We may obtain information about you from third
  parties such as credit reports. We do not pull a credit report without
  your permission.

Section 3: How we use your
information

In general, we use your information to:

• Deliver the products and services you have requested and
  which we provide;
• Manage the customer relationship with you;
• Research and analyze your use of, or interest in, our products
  and
  services and those offered by third parties;
• Communicate with you about products and services;
• Deliver tailored and targeted advertisements;
• Understand the overall effectiveness of our online advertising,
  content, programming and other activities;
• and Manage our business.
• Business and financial information you provide is used to attempt to
  match
  you to an appropriate merchant cash advance and other business
  products
  and service providers

Sale of Data- We do not sell your information you provide to us under
any circumstance.

Section 4: Disclosure of your
information to third parties

• Disclosure By Law: You acknowledge and agree that we may
  disclose information you provide if required to do so by law, at the
  request of a third party, or if we, in our sole discretion, believe that
  disclosure is reasonable to (1) comply with the law, requests or
  orders from law enforcement, or any legal process (whether or not
  such disclosure is required by applicable law) and (2) protect or
  defend MBF´s, or a third party´s, rights or property.
• funders and/or brokers. By signing up for our services or submitting a
  request for a merchant cash advance product or service as offered on
  the Websites, you signify your agreement to proceed and that you are
  consenting, acknowledging and agreeing to the disclosure of you
  information with funders and/or brokers within our network. We will
  not perform a credit check without your authorization. Please be
  aware that the
  funders, brokers, and/or other service providers with whom you are
  matched and with whom your information is shared may retain your
  information, even if you do not enter into an agreement for their
  products or services.
  Please contact each such party directly regarding their privacy and
  information policies. Also, if you enter into an agreement with a
  funder, broker, or other service provider through the MBF service and
  make changes to the information you have provided to us, we may share the
  updated information with such funder, brokers, and/or service
  providers.
• Disclosure to Trusted Third Parties By Us: Upon completing a profile
  on the site, we will share your information with third party service
  providers with whom you are matched. By accepting the Terms of
  Service, you agree to receive various marketing materials from our
  trusted third parties, including potential funders and service providers.
  We are not responsible for the material of the third parties or their
  actions. Your information may also be shared with third-party
  contractors that provide services to MBF and are bound by this
  privacy policy. Your information will be treated as private and
  confidential by such third parties and not used for any other purpose
  than we authorize. In addition, from time to time, we may share
  personal information
  (such as e-mail or mailing address) about our user base with carefully
  selected third parties, so they can offer goods and services that we
  believe may be of interest to our users. If you do not wish to receive
  offers from our
  trusted partners, you can change your e-mail preferences at any time
  by following the steps outlined in the “Choice/Opt-Out” section below.

By disclosing your information to us through signing up on any of the
Websites and agreeing to the Terms, you expressly consent to any transfer
of your information as described in this Privacy Policy, the Terms, and the
Site.

Section 5: Security

We have extensive security measures in place to protect the loss, misuse
and alteration of the information stored in our database. These measures
include the use of Secure Socket Layer (SSL) technology during credit card
transactions and administrative access to site data, as well as other
proprietary security measures
which are applied to all repositories and transfers of user information. We
will exercise reasonable care in providing secure transmission of
information between your computer and our servers, but given that no
information transmitted over the Internet can be guaranteed 100% secure, we cannot ensure or warrant the security
of any information transmitted to us over the Internet and hence accept no
liability for any unintentional disclosure. For further information, please see
our Terms of Service

In the event there is a data breach at MBF, MBF will notify you within 45
days. We will notify you that a breach occurred, what type of information
was breached, when the breach occurred, what steps you can follow to
further protect your information, what actions we are taking regarding the
breach and what steps we are taking to ensure the breach does not
happen again.

Do not share your account login and/or password with any other individual.
Your account login and/or password is sensitive and your sharing of your
account information may lead to additional exposure to your account

Section 6: Choice/Opt-Out

You may choose to stop receiving our newsletter or marketing emails by
following the unsubscribe instruction included in these emails or you can
contact us at info@montagebusinessfinancial.com

You can choose not to provide us with certain information, but this will likely
result in the inability to use certain features of the Websites and to obtain
the services and products you are seeking. As a general matter, do not post
personal information on public forums. You are solely responsible for the
posting of any
personal information on public forums.

If, after signing up for our services, you decide you no longer wish to
receive our services or future contact from funders, brokers, or other third
parties to which your information has been referred, you may cancel your
account as discussed herein. Upon cancelling your account, your
information will no longer be sent to

funders, brokers, or other third parties. This does not guarantee that these
funders, brokers, or other third parties will cease contacting you or using
your information. Please be sure to reach out to all funders, brokers, and/or
other third parties to ensure they cease contacting you.

Certain federal and state regulations require that we maintain a record of
your information for certain periods of time. Due to these regulations, we
may be unable to completely delete your information from our database
until the time requirements of these regulations have expired.

Section 7: Information Obtained
from Third Parties

We purchase marketing data about our customers from third parties and
combine it with information we already have about you, to create more
tailored advertising and products.

If you provide information about others, or if others give us your
information, we will only use that information for the specific reason for
which it was provided to us.

Any information obtained from a third-party will be used to assist matching
your business with various funders.

The Websites contain links to other websites that are maintained by third
parties. These third parties are solely responsible for their own websites
and we encourage you to reach out to such third parties for copies of and
information regarding their security practices. We do not control, and are
not responsible for, the privacy and
security practices of these third parties.

Section 8: Special Notice to
California Residents. If you are a
resident of California, in addition
to the rights set forth in this
Privacy Policy:

• We will not share any personal information about you with third
  parties to the extent prohibited by applicable California law or to the
  extent your prior consent to share is required by applicable California
  law; and
• You have the right to request information from us regarding the
  manner in which we share certain categories of information with third
  parties for their direct marketing purposes. California law gives you
  the right to send us a request at a designated address to receive the
  following information:
• the categories of information we disclosed to third parties for their
  direct marketing purposes during the preceding calendar year;
• the names and addresses of the third parties that received that
  information; and
• if the nature of the third party’s business cannot be determined from
  their name, examples of products or services marketed

We may provide this information in a standardized format that is not
specific to your situation. Requests may be sent to
info@montagebusinessfinancial.com

Section 9: Special notice to
Vermont residents.

Vermont law places additional limits on sharing information about Vermont
residents so long as they remain residents of Vermont. In accordance with
Vermont law, we will not share information we collect about Vermont
residents to companies outside of MBF except: (1) As permitted by law; (2)
To companies that
perform marketing or other services on our behalf;

(3) Name, contact and transaction and experience information to other
financial institutions with which we have joint marketing agreements; or (4)
With the authorization or consent of the Vermont resident. We also will not
share nontransactional information about Vermont residents received from
others within the MBF family of companies except with the authorization or
consent of the Vermont resident.

Section 10: Notification of Privacy
Policy Changes

We may update this privacy policy to reflect changes to our information
practices. If we make any material changes we will notify you by email
(sent to the email address specified in your account) or by means of a
notice on this Site. We encourage you to periodically review this page for
the latest information on our privacy policy. When we make changes to this
Privacy Policy we will revise the revision date at the top of the Privacy
Policy.

Section 11: Contact Information

You can contact us about this privacy policy by email:
info@montagebusinessfinancial.com