Privacy Policy

1. Introduction

At Monarch Cap Holdings ("we," "us," or "our"), we are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect information about you when you use our website and services.

2. Information We Collect

We collect several types of information to provide and improve our services:

2.1 Information You Provide

• Contact information (name, email address, phone number, business address)
• Business information (company name, tax ID, business structure)
• Financial information (bank account details, funding history, credit reports)
• Application and merchant data submitted through our platform
• Communications with our support team

2.2 Automatically Collected Information

• Device and browser information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, click patterns)
• Cookies and similar tracking technologies
• Log data and analytics information

3. How We Use Your Information

We use the collected information for various purposes:

• To provide, maintain, and improve our services
• To process funding applications and transactions
• To verify identity and prevent fraud
• To communicate with you about services, updates, and promotional offers
• To comply with legal obligations and regulatory requirements
• To analyze usage patterns and optimize user experience
• To develop new products and services
• To provide customer support and respond to inquiries

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 With Service Providers

We may share information with third-party vendors who perform services on our behalf, such as payment processors, data analytics providers, and technology service providers.

4.2 With Business Partners

When participating in syndication or partnership programs, we may share relevant information with other funders and financial partners as necessary to complete transactions.

4.3 For Legal Reasons

We may disclose information when required by law, in response to legal process, to protect our rights, or to prevent illegal activity.

4.4 In Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

We implement industry-standard security measures to protect your information:

• Encryption of data in transit and at rest
• Secure socket layer (SSL) technology for data transmission
• Regular security audits and vulnerability assessments
• Access controls and authentication requirements
• Employee training on data protection practices

While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

6. Your Rights and Choices

You have certain rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Opt-Out: Unsubscribe from marketing communications
• Portability: Request transfer of your data to another service provider

To exercise these rights, please contact us at privacy@monarccapholdings.com

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

• Essential Cookies: Required for basic site functionality
• Analytics Cookies: Help us understand site usage and improve performance
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Deliver relevant advertisements

You can control cookies through your browser settings, though disabling certain cookies may affect site functionality.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial and transaction data may be retained for extended periods as required by law.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information.

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 and updating the "Last Updated" date. Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

12. Contact Us

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

13. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, 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 exercise your CCPA rights, please contact us using the information above.