1. About this policy
This Privacy Policy describes how Merchant Services of America LLC (MSA, we, us, or our) collects, uses, shares, and protects information relating to businesses and their owners when they visit our websites, request payment services, apply for funding, or contact us. Capital Now is MSA’s merchant cash advance and purchase-of-future-receivables program. This policy supplements and does not replace any privacy notice provided by a bank, payment processor, funding provider, or other financial institution. Information about Capital Now is provided for general information and does not guarantee eligibility or funding.
2. Information we collect
We may collect information you provide directly, such as business contact details, business and owner information, payment and processing information, application information, identity information, financial and bank information, documents, and communications. We may also collect information automatically about your use of our websites, including browser and device details, pages visited, and cookie or analytics identifiers. We may receive information from payment processors and sponsor banks, including North, funding partners, service providers, credit bureaus, and other sources permitted by law. Depending on the service requested, information may include Social Security numbers, dates of birth, government identification numbers, home addresses, and business financial records.
3. How we use information
We use information to respond to inquiries; evaluate, arrange, and service payment-processing, point-of-sale, rewards, or funding requests; verify identity and eligibility; communicate with you; administer programs; prevent fraud and protect our systems; comply with legal, regulatory, card-network, and contractual requirements; maintain business records; and improve our services.
4. How information is shared
We may share information with payment processors and sponsor banks, including North; prospective or current funding partners and underwriters; credit bureaus and identity-verification providers; our service providers; professional advisers; government, regulatory, law-enforcement, or card-network bodies when required or permitted; and parties involved in a business transfer. We may also share information at your direction or with your consent. We do not sell personal information.
5. Financial documents and application materials
Financial documents and application materials are used for the business purpose for which they are submitted, including evaluating or servicing a request and sharing with relevant payment or funding partners. We limit access to personnel and service providers with a business need, subject to applicable legal requirements. Information submitted by one business is not made available to another merchant through our services. Do not assume a document was received unless the submission process clearly completes or MSA confirms receipt. If a requested upload appears not to complete, contact us using the details below.
6. Cookies and website technologies
Our websites may use cookies, analytics, and similar technologies to operate the site, understand site usage, and improve the visitor experience. You can manage cookies through your browser settings. Disabling some technologies may affect website functionality.
7. Marketing communications
We may send service or business communications related to an inquiry or requested service. Marketing emails include an unsubscribe option. If you receive text messages from us, you may reply STOP to opt out, subject to any confirmation or service messages allowed by law. Where required, we obtain consent before using automated communication technologies.
8. Your choices and privacy rights
Depending on your location and the nature of your relationship with us, you may request access to or correction of information we hold, ask us to withdraw or close an application where feasible, or exercise rights provided by applicable state privacy laws. We will review and respond to verifiable requests as required by law. Certain records may be retained when required for legal, security, contractual, or legitimate business purposes.
9. Retention
We retain information for as long as reasonably needed for the purposes described in this policy, including servicing, recordkeeping, dispute resolution, legal compliance, and security. Retention periods vary based on the type of information, the service involved, and legal or contractual requirements.
10. Security
We use administrative, technical, and physical safeguards designed to protect information. No method of transmission or storage can be guaranteed to be completely secure. If we become aware of a security incident involving information for which we are responsible, we will provide notice as required by applicable law.
11. Children and policy changes
Our websites and services are intended for business use and are not directed to children. We do not knowingly collect personal information from children through these services. We may update this policy from time to time; the revised version will be posted on this page with its updated effective date.
12. Contact us
For questions or requests relating to this Privacy Policy, contact Merchant Services of America at sales@merchantservicesofamerica.com or (216) 966-0856. Please do not send Social Security numbers, bank credentials, or other sensitive information by ordinary email unless we specifically provide a secure method.