This Privacy Policy shall be effective as of February 27, 2023.
This website is owned and operated by AMRK Enterprises Inc Dba (“Premium Capital”). We at Premium Capital respect the privacy of visitors to our websites, and the privacy of our customers. We respect and value the privacy of our clients and have developed this Privacy Policy to demonstrate our commitment to protecting your privacy. This Privacy Policy applies to and describes our information handling practices when you access our services, which include our content located on this website, or any other websites, pages, features, or content we own or operate (collectively, the “Site(s)”) or third-party applications relying on API, and related services (referred to collectively hereinafter as “Services”).
Premium Capital is a small business marketplace to assist small businesses in accessing and managing capital. Our Privacy Policy applies to everyone who utilizes our Sites.
You agree to this Privacy Policy by accessing, browsing, or using our Sites. If you do not agree with or you are not comfortable with any aspect of this Privacy Policy, you should immediately discontinue access or use of our Services.
We collect several types of information about you and your business when you access our Sites.
Our Sites collects information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device(“Personal Information”). Personal information does not include:
To establish an account and access our Services, we’ll ask you to provide us with some important information about you. This information is either required by law (e.g. to verify your identity), necessary to provide the requested services (e.g. you will need to provide three (3) months of bank statements), or is relevant for certain specified purposes, described in greater detail below. As we add new features and Services, you may be asked to provide additional information.
Please note that we may not be able to serve you at all, or our Services may be degraded if you choose not to share certain information with us.
We collect information directly from you about you.
The documents and information collected are stored and safeguarded. To fulfill our service obligations to you, you provide your permission to share any and all information provided to or obtained by Premium Capital on your behalf with lenders or funders, with other businesses who may need this information to fulfill its services to Premium Capital, for Premium Capital’s business purposes, or to fulfill regulatory or other legal requirements.
We may obtain the following types of information about you from third-party sources.
From time to time, we may obtain information about you from third-party sources as required or permitted by applicable law. These sources may include:
We may use data we have anonymized and aggregated for any business purpose.
Anonymization is a data processing technique that removes or modifies personal information so that it cannot be associated with a specific individual. Except for this section, none of the other provisions of this Privacy Policy applies to anonymized or aggregated customer data (i.e. information about our customers that we combine together so that it no longer identifies or references an individual customer).
Premium Capital may use anonymized or aggregate customer data for any business purpose, including to better understand customer needs and behaviors, improve our products and services, conduct business intelligence and marketing, and detect security threats. We may perform our own analytics on anonymized data or enable analytics provided by third parties.
We obtain information about you during the application process, and also through your interactions with our Sites.
We obtain the categories of personal information listed below from the following sources:
During the Application Process: To process your initial application for funding, we may require your name, address, phone number, email address and other personal information. We may also require the name of your business, its address, its federal and state tax ID, the type of business, business location, average monthly sales, state of incorporation, name of Landlord. Such information is used primarily to process your order or as otherwise described herein. This is information you provide to us through our Sites or completing our application.
Emails and telephone calls: We use your email for both transactional (e.g., application status, application updates, application confirmation, etc.) and promotional (e.g., newsletters, new product offerings, 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 email was opened and what links (if any) were clicked. If you would rather not receive promotional emails from us, please see the section below labeled “Choice/Opt-Out”. We reserve the right to send you certain communications relating to the Premium Capital 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 Premium Capital’s services. If you would rather not receive telephone calls or text messages from us, you may ask to be removed from our contact list if you receive a call or text message from us.
We use your information for a variety of reasons, all of which support Premium Capital’s Sites and Services.
We may disclose your personal information as required by law, to provide the Services, and for legitimate business purposes.
We may share your personal information by disclosing it to a third party for a business purpose. We do not sell personal information.
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 Premium Capital´s, or a third party´s, rights or property.
By signing up for our services or submitting a request for a business funding product or service as offered on the sites, you signify your agreement to proceed and that you are consenting, acknowledging and agreeing to the disclosure of your information with lenders, funders, and/or brokers within our network. We will not perform a credit check without your authorization. Please be aware that the lenders, 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 lender, funder, broker, or other service provider through the Premium Capital service and make changes to the information you have provided to us, we may share the updated information with such lenders, funders, brokers, and/or service providers.
Upon completing a profile on the site, and filling out the entirety of the application, we will share your information with third party service providers with whom you are matched.
With our professional advisors who provide banking, legal, compliance, insurance, accounting, or other consulting services in order to complete third party financial, technical, compliance and legal audits of our operations or otherwise comply with our legal obligations.
We may disclose your personal information for any purpose with which you consent.
You may choose to update, access, or delete your data; however, we may be legally required to retain your information to comply with the law.
You may update or delete your information at any time by contacting us and requesting any change or update.
If you want to stop using your account you may deactivate it. When you deactivate an account, your information will not be sent to any further lenders, funders, brokers, or other third parties, but the information will not be deleted. By deactivating your account you will have the ability to restore the account in its entirety.
You may choose to discontinue your use of our services.
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 using our contact form.
You can choose not to provide us with certain information, but this will likely result in the inability to use certain features 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 lenders, funders, brokers, or other third parties to which your information has been referred, you may cancel your account as discussed herein. Upon canceling your account, your information will no longer be sent to lenders, funders, brokers, or other third parties. This does not guarantee that these lenders, funders, brokers, or other third parties will cease contacting you or using your information. Please be sure to reach out to all lenders, 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.
We reserve the right to update this Privacy Policy; we encourage you to regularly review this policy for the latest information.
We may update this privacy policy to reflect changes to our information practices. 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.
