Privacy Policy

Effective Date: July 26, 2025

Arcadia Advance Group ("we," "our," or "us") is committed to protecting the privacy and security of your personal and business information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website, apply for our services, or interact with us. By using our website and services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect various types of information to provide and improve our services to you. This includes both "Personal Information" (information that can be used to identify you) and "Non-Personal Information" (data that does not directly identify you).

1.1. Personal Information

We may collect Personal Information that you voluntarily provide to us when you apply for funding, fill out forms on our website, communicate with us, or otherwise use our services. This may include:

• Contact Information: Your name, business name, email address, phone number, and mailing address.
• Business Information: Business type, industry, legal structure, years in business, annual revenue, and tax identification numbers.
• Financial Information: Bank account details (e.g., account numbers, routing numbers), transaction history, credit card processing statements, and other financial records necessary for evaluating your eligibility for a merchant cash advance.
• Owner/Guarantor Information: For business owners or guarantors, this may include personal credit history (obtained with consent), Social Security Number (SSN), date of birth, and driver's license information.
• Application Data: Any other information you provide within your application for our services.

1.2. Non-Personal Information

When you visit our website, we may automatically collect certain non-personal information, such as:

• Technical Data: IP address, browser type and version, operating system, device type, referral source, and website usage data (e.g., pages viewed, time spent on pages, clickstream data).
• Cookies and Tracking Technologies: Information collected through cookies, web beacons, and similar technologies (see Section 6 for more details).

2. How We Use Your Information

We use the collected information for various purposes, primarily to facilitate our merchant cash advance services and improve your experience:

• To Provide Services: To process your applications, evaluate your eligibility for funding, and provide you with merchant cash advance offers.
• To Communicate with You: To respond to your inquiries, send you updates about your application, provide customer support, and send promotional or informational communications (you may opt-out of marketing communications).
• To Match with Partners: To share your information with our network of financial partners and funders for the purpose of obtaining and presenting funding offers to you.
• For Analytics and Improvement: To understand how users interact with our website and services, to improve our website's functionality, content, and user experience, and to develop new services.
• For Security and Fraud Prevention: To protect our website, services, and users from fraud, unauthorized access, and other security threats.
• For Legal and Compliance Purposes: To comply with applicable laws, regulations, legal processes, and governmental requests, including anti-money laundering (AML) and know-your-customer (KYC) requirements.

3. Sharing Your Information

We understand the importance of your data privacy. We do not sell your Personal Information to third parties for their independent marketing or promotional purposes. We may share your information in the following circumstances:

• With Financial Partners: We share your business and financial information with our network of trusted financial institutions, funders, and other commercial finance providers solely for the purpose of assessing your eligibility for merchant cash advances and presenting you with suitable offers. These partners are typically bound by their own privacy policies and legal obligations to protect your data.
• With Service Providers: We engage third-party service providers to perform functions on our behalf, such as data hosting, analytics, customer support, and secure data processing. These providers are granted access to your information only to the extent necessary to perform their services and are contractually obligated to protect its confidentiality and security.
• For Legal Compliance and Protection: We may disclose your information if required to do so by law, court order, or governmental regulation, or if we believe in good faith that such action is necessary to (a) comply with a legal obligation, (b) protect and defend the rights or property of Arcadia Advance Group, (c) prevent or investigate possible wrongdoing in connection with our services, or (d) protect the personal safety of users of the service or the public.
• Business Transfers: In the event of a merger, acquisition, sale of assets, or other corporate transaction, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our website of any such change in ownership or control of your Personal Information.
• With Your Consent: We may share your information with third parties when we have your explicit consent to do so.

4. Third-Party Services and Data Processors

We utilize various third-party services to enhance our operations and provide secure and efficient services. These third parties may collect and process your information as part of their service offerings:

• Plaid: We use Plaid Inc. ("Plaid") to securely connect your business bank accounts, verify your financial information, and facilitate the secure transfer of financial data necessary for our underwriting process. Your data with Plaid is subject to Plaid's Privacy Policy.
• SignNow: We utilize SignNow, a service by airSlate, Inc., for electronic signatures and secure document processing, allowing for efficient and legally binding agreement execution. Data processed through SignNow is subject to SignNow's Privacy Policy.
• Experian: We partner with Experian Information Solutions, Inc. to obtain business verification, credit data, and other relevant financial insights for the purpose of assessing your business's eligibility for funding. Information shared with Experian is subject to Experian's Privacy Policy.
• Other Potential Third-Party Services: We may integrate with other third-party services for various business operations (e.g., CRM, marketing automation, customer support platforms). We strive to ensure all such partners adhere to data protection best practices.

We encourage you to review the privacy policies of these third-party services to understand their data handling practices.

5. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from individuals under 18 years of age. If we become aware that we have collected Personal Information from a child under 18 without parental consent, we will take steps to remove that information from our servers.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies (like web beacons and pixels) to track activity on our website and hold certain information. Cookies are small data files stored on your device that help us:

• Improve your website experience (e.g., remembering your preferences).
• Analyze website traffic and usage patterns.
• Deliver personalized content and advertisements.

You have the option to accept or refuse cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, disabling cookies may limit your ability to use certain features of our website.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect the Personal Information we collect from unauthorized access, use, disclosure, alteration, or destruction. However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

8. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your Personal Information:

• Access and Correction: You may request access to the Personal Information we hold about you and request corrections to any inaccuracies.
• Deletion: You may request the deletion of your Personal Information, subject to certain legal exceptions (e.g., retaining information for regulatory compliance).
• Opt-Out of Marketing: You can opt-out of receiving marketing communications from us by following the unsubscribe instructions included in those communications or by contacting us directly.
• Do Not Track (DNT) Signals: Our website does not currently respond to "Do Not Track" signals from browsers.

California Residents: If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) concerning the collection, use, and sharing of your personal information. Please contact us using the information below to exercise these rights.

EEA Residents: If you are located in the European Economic Area (EEA), you may have rights under the General Data Protection Regulation (GDPR), including the right to lodge a complaint with a supervisory authority. Please contact us for more information on exercising your GDPR rights.

To exercise any of these rights, please email us at contact@arcadiaadvancegroup.com. We may need to verify your identity before fulfilling your request.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top. We encourage you to review this Privacy Policy periodically for any changes. Your continued use of our website and services after any modifications to this Privacy Policy will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

10. Contact Us

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

Email: contact@arcadiaadvancegroup.com
Phone: (888) 737-2275