Privacy Policy

This Privacy Policy describes how Monarch Advance LLC ("Monarch Advance," "we," "us," or "our") collects, uses, and shares information about you when you visit our website at monarchadvancellc.com or apply for financing products. By using our services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect information you provide directly to us, including:

• Personal identification information (name, email address, phone number)
• Business information (business name, business type, years in operation, industry)
• Financial information (monthly revenue, requested funding amount, estimated credit score)
• Contact and communication preferences
• Information submitted through our loan application or partner application forms

We may also automatically collect certain information when you visit our website, including IP address, browser type, operating system, referring URLs, and pages viewed.

2. How We Use Your Information

We use the information we collect to:

• Process and evaluate your financing application
• Communicate with you about your application status and our products
• Match you with appropriate financing products and lenders
• Comply with legal and regulatory requirements
• Improve our website, products, and services
• Prevent fraud and protect the security of our platform
• Send you marketing communications (you may opt out at any time)

3. Sharing of Information

We may share your information with:

• Funding Partners and Lenders: To evaluate and process your financing application.
• Service Providers: Third parties who assist us in operating our website and conducting our business, subject to confidentiality agreements.
• Legal and Regulatory Authorities: When required by law, court order, or governmental authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets.

We do not sell your personal information to third parties for their own marketing purposes.

4. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Application data may be retained for up to 7 years in accordance with financial recordkeeping requirements.

5. Security

We implement industry-standard security measures to protect your information, including SSL encryption, secure data storage, and access controls. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

6. Your Rights and Choices

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications
• Lodge a complaint with a supervisory authority

To exercise these rights, contact us at [email protected].

7. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information. We do not sell personal information. To submit a CCPA request, contact us at [email protected].

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website, analyze usage patterns, and deliver relevant content. You can control cookie settings through your browser preferences. Disabling cookies may affect the functionality of certain features.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website with a revised "Last Updated" date. Your continued use of our services after such changes constitutes your acceptance of the updated policy.

12. Contact Us

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

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