Legal
Privacy Policy
Effective Date: 06/03/2026
Last Updated: 06/03/2026
Contents
FinPerx Servicing LLC ("FinPerx," "we," "our," or "us") is committed to protecting the privacy of the businesses and individuals who visit our website and apply for revenue-based financing. This Privacy Policy explains what information we collect, how we use it, with whom we share it, and what rights you have regarding your information.
By using the FinPerx website (finperx.com and any subdomains, the "Site") or submitting an application, you agree to the practices described in this Policy.
1. Who This Policy Covers
This Policy applies to:
Visitors to the Site, whether or not they submit any information
Business owners, principals, and authorized representatives who submit an inquiry or application for revenue-based financing through the Site
ISO brokers and referral partners who interact with the Site or submit applications on behalf of merchants
This Policy does not apply to information collected from FinPerx employees or contractors, or to the terms of any revenue-based financing agreement, which are governed by a separate Merchant Financing Agreement.
2. Information We Collect
2.1 Information You Provide to Us
When you fill out an inquiry form, submit an application, or contact us directly, we may collect:
Identity information: full name, title, and role at your business
Contact information: email address, phone number, and business address
Business information: business legal name, DBA name, state of formation, type of business entity, and years in operation
Sales and revenue information: monthly or annual revenue range, primary sales channels (Amazon, Walmart, Shopify, WooCommerce, Etsy, eBay, direct-to-consumer, or other), and storefront or website URLs
Financing information: requested financing amount, intended use of funds, and existing financing obligations
Financial account information: bank account and routing numbers, and sales data from connected marketplace or payment platforms, if provided
Supporting documents: bank statements, tax returns, or other financial documents you choose to provide during the underwriting process
Communications: any messages, emails, or notes you send to us
2.2 Information Collected Automatically
When you visit the Site, we and our service providers may automatically collect:
Log data: IP address, browser type and version, operating system, referring URL, pages viewed, and time and date of your visit
Device information: device type, unique device identifiers, and mobile network information
Cookie and tracking data: see Section 9 (Cookies and Tracking Technologies)
2.3 Information from Third Parties
We may receive information about you or your business from:
Credit reporting agencies and commercial data bureaus, for underwriting purposes
Bank statement and financial data providers, if you connect your accounts through a third-party service
Marketplace and platform APIs (Amazon, Walmart, Shopify, WooCommerce, and others), if you authorize access to your sales data
ISO brokers and referral partners who submit applications on your behalf
Publicly available sources, including business registries and commercial databases
3. How We Use Your Information
We use the information we collect for the following purposes:
3.1 Evaluating and processing financing applications
We use your business, financial, and identity information to evaluate your eligibility for revenue-based financing, make underwriting decisions, structure a financing offer, and prepare required disclosures and agreements.
3.2 Communicating with you
We use your contact information to respond to inquiries, send application status updates, deliver your financing offer and required disclosures, and provide account-related communications.
3.3 Compliance with legal obligations
We use your information to comply with applicable laws, including commercial financing disclosure laws in California, Connecticut, Delaware, Florida, Georgia, Kansas, Louisiana, Missouri, New York, Texas, Utah, Virginia, and other applicable states; the Gramm-Leach-Bliley Act (GLBA); the Equal Credit Opportunity Act (ECOA); and any applicable federal and state anti-money-laundering or know-your-customer requirements.
3.4 Adverse action notices
If we decline your application, we are required by ECOA to provide a written adverse action notice. We will use your contact information and application details to prepare and deliver that notice.
3.5 Improving our services
We may use aggregated, de-identified data to analyze trends, improve our underwriting models, develop new products and services, and improve the Site experience.
3.6 Marketing and outreach
With your consent or where permitted by applicable law, we may use your contact information to send information about FinPerx products, financing options, or educational content. You may opt out of marketing communications at any time by clicking the "unsubscribe" link in any email or by contacting us at contact@finperx.com.
4. How We Share Your Information
We do not sell your personal information. We share information only in the following circumstances:
4.1 Service providers
We share information with vendors who perform services on our behalf, including e-signature platforms, CRM software, bank statement analysis providers, cloud hosting and infrastructure providers, email and communication platforms, and credit data providers. Service providers are contractually required to use your information only to provide services to FinPerx and to maintain appropriate data security.
4.2 ISO brokers and referral partners
If an ISO broker or referral partner submitted your application on your behalf, we may share application status and outcome information with that partner. ISO brokers are contractually required to maintain confidentiality and comply with applicable disclosure laws.
4.3 Legal and regulatory compliance
We may disclose information when required by law, court order, or regulatory authority; to respond to a valid subpoena or legal process; to enforce our agreements; or to protect the rights, safety, or property of FinPerx, our users, or the public.
4.4 Business transfers
In connection with a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or a portion of FinPerx's assets, your information may be transferred as part of that transaction. We will notify you of any such transfer to a new entity with materially different privacy practices.
4.5 With your consent
We may share your information with third parties when you have given us your explicit consent to do so.
5. Gramm-Leach-Bliley Act (GLBA) Notice
FinPerx may qualify as a "financial institution" under the GLBA based on the nature of its revenue-based financing activities. To the extent GLBA applies, the following applies to our collection and use of "nonpublic personal information" (NPI):
We collect NPI — including financial information and personal identifiers — to evaluate financing applications and provide financing services.
We share NPI with service providers who assist us in providing financing services, subject to confidentiality obligations.
We do not share NPI with unaffiliated third parties for their own marketing purposes without your authorization.
We maintain a written information security program designed to protect NPI from unauthorized access, disclosure, or misuse.
6. Data Retention
We retain your information for as long as necessary to fulfill the purposes described in this Policy, unless a longer retention period is required by law. Specifically:
Application data for declined applicants is retained for a minimum of 25 months to comply with ECOA record-keeping requirements.
Data for funded merchants is retained for the duration of the financing relationship and for a period thereafter as required by applicable law and our internal record-keeping policies.
Marketing contact data is retained until you opt out or request deletion, subject to legal hold requirements.
When information is no longer needed and no legal retention obligation applies, we securely delete or de-identify it.
7. Your Privacy Rights
7.1 California Residents (CCPA / CPRA)
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), gives you the following rights:
Right to Know: You may request that we disclose the categories and specific pieces of personal information we have collected about you, the sources of that information, our business purposes for collecting it, and the categories of third parties with whom we share it.
Right to Delete: You may request that we delete personal information we have collected from you, subject to certain exceptions (e.g., information needed to complete a transaction, detect fraud, or comply with a legal obligation).
Right to Correct: You may request that we correct inaccurate personal information we maintain about you.
Right to Opt Out of Sale or Sharing: We do not sell or share personal information for cross-context behavioral advertising as defined by the CPRA.
Right to Limit Use of Sensitive Personal Information: To the extent we collect "sensitive personal information" as defined by the CPRA, you may have the right to limit certain uses of that information.
Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA/CPRA rights.
To exercise any of these rights, contact us at contact@finperx.com. We will respond within 45 days, with one 45-day extension if reasonably necessary. We may need to verify your identity before processing your request.
7.2 Other State Residents
Residents of Connecticut, Colorado, Virginia, and other states with comprehensive privacy laws may have similar rights to access, correct, delete, and port their personal information. Contact us at contact@finperx.com to submit a request. We will respond in accordance with applicable state law.
7.3 All Users — Opt-Out of Marketing
Regardless of your state of residence, you may opt out of marketing communications at any time by clicking "unsubscribe" in any marketing email or by contacting us at contact@finperx.com. Opting out of marketing will not affect our ability to send you transactional communications related to an active application or financing agreement.
8. Data Security
We implement administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:
Encryption of data in transit using TLS/HTTPS
Access controls limiting access to personal and financial information to authorized personnel with a business need
Contractual data security requirements for all service providers who handle personal information
Written information security policies and procedures consistent with applicable law
No data transmission over the internet or electronic storage system is perfectly secure. While we take reasonable precautions, we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately at contact@finperx.com.
In the event of a data breach affecting your personal information, we will notify you and applicable regulatory authorities as required by applicable state breach notification laws, which generally require notification within 30–72 hours of discovery.
9. Cookies and Tracking Technologies
The Site uses cookies and similar technologies to operate the Site, remember your preferences, analyze traffic, and deliver relevant content. The categories of cookies we use include:
Strictly necessary cookies: Required for the Site to function. Cannot be disabled.
Analytics cookies: Help us understand how visitors use the Site (e.g., Google Analytics). Collected data is aggregated and de-identified where possible.
Marketing and tracking cookies: Used to measure the effectiveness of our advertising campaigns (e.g., Google Ads conversion tracking).
You can control cookies through your browser settings or, where available, through a cookie preference center on the Site. Note that disabling certain cookies may affect Site functionality.
The Site does not currently respond to Do Not Track (DNT) signals.
10. Third-Party Links
The Site may contain links to third-party websites, including marketplace platforms (Amazon, Walmart, Shopify, WooCommerce, Etsy, eBay) and third-party tools. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any third-party site you visit. FinPerx is not responsible for the privacy practices of third-party sites.
11. Children's Privacy
The Site is intended solely for use by business owners and authorized business representatives who are at least 18 years of age. We do not knowingly collect personal information from individuals under 18. If we learn that we have inadvertently collected information from a minor, we will promptly delete it. If you believe we have collected information from a minor, please contact us at contact@finperx.com.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, applicable law, or business operations. When we make material changes, we will update the "Last Updated" date at the top of this page and, where required by law, provide additional notice (such as a banner on the Site or an email to known contacts). Your continued use of the Site after the updated Policy becomes effective constitutes your acceptance of the revised Policy.
13. Contact Us
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have a concern about how we handle your information, please contact us:
FinPerx Servicing LLC
Email: contact@finperx.com
For California residents submitting CCPA/CPRA requests, please include "Privacy Request" in the subject line of your email.
contact@finperx.com
Fast, transparent, growth-focused
Solutions
Inventory Funding
Marketing Capital
Cash Flow Support
Growth Funding
Resources
RBF Term Decoder
FinPerx offers revenue-based financing structured as a purchase of your future receivables - not a loan. There is no fixed repayment term. You repay by remitting a percentage of your future sales until the agreed total amount is recovered. The total cost of financing varies based on your sales volume. Required state-specific disclosures - including annual cost metric, APR equivalent, total repayment amount, finance charges, and payment frequency - will be presented in a separate written disclosure at the time of your offer, as required by applicable law. Revenue-based financing is not available in all states. Availability and terms subject to underwriting approval. FinPerx Servicing LLC.
© 2026 FinPerx, LLC. All rights reserved.
contact@finperx.com
Fast, transparent, growth-focused
Solutions
Inventory Funding
Marketing Capital
Cash Flow Support
Growth Funding
Resources
RBF Term Decoder
FinPerx offers revenue-based financing structured as a purchase of your future receivables - not a loan. There is no fixed repayment term. You repay by remitting a percentage of your future sales until the agreed total amount is recovered. The total cost of financing varies based on your sales volume. Required state-specific disclosures - including annual cost metric, APR equivalent, total repayment amount, finance charges, and payment frequency - will be presented in a separate written disclosure at the time of your offer, as required by applicable law. Revenue-based financing is not available in all states. Availability and terms subject to underwriting approval. FinPerx Servicing LLC.
© 2026 FinPerx, LLC. All rights reserved.
Fast, transparent, growth-focused
Solutions
Inventory Funding
Marketing Capital
Cash Flow Support
Growth Funding
Resources
RBF Term Decoder
contact@finperx.com
FinPerx offers revenue-based financing structured as a purchase of your future receivables - not a loan. There is no fixed repayment term. You repay by remitting a percentage of your future sales until the agreed total amount is recovered. The total cost of financing varies based on your sales volume. Required state-specific disclosures - including annual cost metric, APR equivalent, total repayment amount, finance charges, and payment frequency - will be presented in a separate written disclosure at the time of your offer, as required by applicable law. Revenue-based financing is not available in all states. Availability and terms subject to underwriting approval. FinPerx Servicing LLC.
© 2026 FinPerx, LLC. All rights reserved.
Legal
Privacy Policy
Effective Date: 06/03/2026
Last Updated: 06/03/2026
Table of Contents
FinPerx Servicing LLC ("FinPerx," "we," "our," or "us") is committed to protecting the privacy of the businesses and individuals who visit our website and apply for revenue-based financing. This Privacy Policy explains what information we collect, how we use it, with whom we share it, and what rights you have regarding your information.
By using the FinPerx website (finperx.com and any subdomains, the "Site") or submitting an application, you agree to the practices described in this Policy.
1. Who This Policy Covers
This Policy applies to:
Visitors to the Site, whether or not they submit any information
Business owners, principals, and authorized representatives who submit an inquiry or application for revenue-based financing through the Site
ISO brokers and referral partners who interact with the Site or submit applications on behalf of merchants
This Policy does not apply to information collected from FinPerx employees or contractors, or to the terms of any revenue-based financing agreement, which are governed by a separate Merchant Financing Agreement.
2. Information We Collect
2.1 Information You Provide to Us
When you fill out an inquiry form, submit an application, or contact us directly, we may collect:
Identity information: full name, title, and role at your business
Contact information: email address, phone number, and business address
Business information: business legal name, DBA name, state of formation, type of business entity, and years in operation
Sales and revenue information: monthly or annual revenue range, primary sales channels (Amazon, Walmart, Shopify, WooCommerce, Etsy, eBay, direct-to-consumer, or other), and storefront or website URLs
Financing information: requested financing amount, intended use of funds, and existing financing obligations
Financial account information: bank account and routing numbers, and sales data from connected marketplace or payment platforms, if provided
Supporting documents: bank statements, tax returns, or other financial documents you choose to provide during the underwriting process
Communications: any messages, emails, or notes you send to us
2.2 Information Collected Automatically
When you visit the Site, we and our service providers may automatically collect:
Log data: IP address, browser type and version, operating system, referring URL, pages viewed, and time and date of your visit
Device information: device type, unique device identifiers, and mobile network information
Cookie and tracking data: see Section 9 (Cookies and Tracking Technologies)
2.3 Information from Third Parties
We may receive information about you or your business from:
Credit reporting agencies and commercial data bureaus, for underwriting purposes
Bank statement and financial data providers, if you connect your accounts through a third-party service
Marketplace and platform APIs (Amazon, Walmart, Shopify, WooCommerce, and others), if you authorize access to your sales data
ISO brokers and referral partners who submit applications on your behalf
Publicly available sources, including business registries and commercial databases
3. How We Use Your Information
We use the information we collect for the following purposes:
3.1 Evaluating and processing financing applications
We use your business, financial, and identity information to evaluate your eligibility for revenue-based financing, make underwriting decisions, structure a financing offer, and prepare required disclosures and agreements.
3.2 Communicating with you
We use your contact information to respond to inquiries, send application status updates, deliver your financing offer and required disclosures, and provide account-related communications.
3.3 Compliance with legal obligations
We use your information to comply with applicable laws, including commercial financing disclosure laws in California, Connecticut, Delaware, Florida, Georgia, Kansas, Louisiana, Missouri, New York, Texas, Utah, Virginia, and other applicable states; the Gramm-Leach-Bliley Act (GLBA); the Equal Credit Opportunity Act (ECOA); and any applicable federal and state anti-money-laundering or know-your-customer requirements.
3.4 Adverse action notices
If we decline your application, we are required by ECOA to provide a written adverse action notice. We will use your contact information and application details to prepare and deliver that notice.
3.5 Improving our services
We may use aggregated, de-identified data to analyze trends, improve our underwriting models, develop new products and services, and improve the Site experience.
3.6 Marketing and outreach
With your consent or where permitted by applicable law, we may use your contact information to send information about FinPerx products, financing options, or educational content. You may opt out of marketing communications at any time by clicking the "unsubscribe" link in any email or by contacting us at contact@finperx.com.
4. How We Share Your Information
We do not sell your personal information. We share information only in the following circumstances:
4.1 Service providers
We share information with vendors who perform services on our behalf, including e-signature platforms, CRM software, bank statement analysis providers, cloud hosting and infrastructure providers, email and communication platforms, and credit data providers. Service providers are contractually required to use your information only to provide services to FinPerx and to maintain appropriate data security.
4.2 ISO brokers and referral partners
If an ISO broker or referral partner submitted your application on your behalf, we may share application status and outcome information with that partner. ISO brokers are contractually required to maintain confidentiality and comply with applicable disclosure laws.
4.3 Legal and regulatory compliance
We may disclose information when required by law, court order, or regulatory authority; to respond to a valid subpoena or legal process; to enforce our agreements; or to protect the rights, safety, or property of FinPerx, our users, or the public.
4.4 Business transfers
In connection with a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or a portion of FinPerx's assets, your information may be transferred as part of that transaction. We will notify you of any such transfer to a new entity with materially different privacy practices.
4.5 With your consent
We may share your information with third parties when you have given us your explicit consent to do so.
5. Gramm-Leach-Bliley Act (GLBA) Notice
FinPerx may qualify as a "financial institution" under the GLBA based on the nature of its revenue-based financing activities. To the extent GLBA applies, the following applies to our collection and use of "nonpublic personal information" (NPI):
We collect NPI — including financial information and personal identifiers — to evaluate financing applications and provide financing services.
We share NPI with service providers who assist us in providing financing services, subject to confidentiality obligations.
We do not share NPI with unaffiliated third parties for their own marketing purposes without your authorization.
We maintain a written information security program designed to protect NPI from unauthorized access, disclosure, or misuse.
6. Data Retention
We retain your information for as long as necessary to fulfill the purposes described in this Policy, unless a longer retention period is required by law. Specifically:
Application data for declined applicants is retained for a minimum of 25 months to comply with ECOA record-keeping requirements.
Data for funded merchants is retained for the duration of the financing relationship and for a period thereafter as required by applicable law and our internal record-keeping policies.
Marketing contact data is retained until you opt out or request deletion, subject to legal hold requirements.
When information is no longer needed and no legal retention obligation applies, we securely delete or de-identify it.
7. Your Privacy Rights
7.1 California Residents (CCPA / CPRA)
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), gives you the following rights:
Right to Know: You may request that we disclose the categories and specific pieces of personal information we have collected about you, the sources of that information, our business purposes for collecting it, and the categories of third parties with whom we share it.
Right to Delete: You may request that we delete personal information we have collected from you, subject to certain exceptions (e.g., information needed to complete a transaction, detect fraud, or comply with a legal obligation).
Right to Correct: You may request that we correct inaccurate personal information we maintain about you.
Right to Opt Out of Sale or Sharing: We do not sell or share personal information for cross-context behavioral advertising as defined by the CPRA.
Right to Limit Use of Sensitive Personal Information: To the extent we collect "sensitive personal information" as defined by the CPRA, you may have the right to limit certain uses of that information.
Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA/CPRA rights.
To exercise any of these rights, contact us at contact@finperx.com. We will respond within 45 days, with one 45-day extension if reasonably necessary. We may need to verify your identity before processing your request.
7.2 Other State Residents
Residents of Connecticut, Colorado, Virginia, and other states with comprehensive privacy laws may have similar rights to access, correct, delete, and port their personal information. Contact us at contact@finperx.com to submit a request. We will respond in accordance with applicable state law.
7.3 All Users — Opt-Out of Marketing
Regardless of your state of residence, you may opt out of marketing communications at any time by clicking "unsubscribe" in any marketing email or by contacting us at contact@finperx.com. Opting out of marketing will not affect our ability to send you transactional communications related to an active application or financing agreement.
8. Data Security
We implement administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:
Encryption of data in transit using TLS/HTTPS
Access controls limiting access to personal and financial information to authorized personnel with a business need
Contractual data security requirements for all service providers who handle personal information
Written information security policies and procedures consistent with applicable law
No data transmission over the internet or electronic storage system is perfectly secure. While we take reasonable precautions, we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately at contact@finperx.com.
In the event of a data breach affecting your personal information, we will notify you and applicable regulatory authorities as required by applicable state breach notification laws, which generally require notification within 30–72 hours of discovery.
9. Cookies and Tracking Technologies
The Site uses cookies and similar technologies to operate the Site, remember your preferences, analyze traffic, and deliver relevant content. The categories of cookies we use include:
Strictly necessary cookies: Required for the Site to function. Cannot be disabled.
Analytics cookies: Help us understand how visitors use the Site (e.g., Google Analytics). Collected data is aggregated and de-identified where possible.
Marketing and tracking cookies: Used to measure the effectiveness of our advertising campaigns (e.g., Google Ads conversion tracking).
You can control cookies through your browser settings or, where available, through a cookie preference center on the Site. Note that disabling certain cookies may affect Site functionality.
The Site does not currently respond to Do Not Track (DNT) signals.
10. Third-Party Links
The Site may contain links to third-party websites, including marketplace platforms (Amazon, Walmart, Shopify, WooCommerce, Etsy, eBay) and third-party tools. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any third-party site you visit. FinPerx is not responsible for the privacy practices of third-party sites.
11. Children's Privacy
The Site is intended solely for use by business owners and authorized business representatives who are at least 18 years of age. We do not knowingly collect personal information from individuals under 18. If we learn that we have inadvertently collected information from a minor, we will promptly delete it. If you believe we have collected information from a minor, please contact us at contact@finperx.com.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, applicable law, or business operations. When we make material changes, we will update the "Last Updated" date at the top of this page and, where required by law, provide additional notice (such as a banner on the Site or an email to known contacts). Your continued use of the Site after the updated Policy becomes effective constitutes your acceptance of the revised Policy.
13. Contact Us
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have a concern about how we handle your information, please contact us:
FinPerx Servicing LLC
Email: contact@finperx.com
For California residents submitting CCPA/CPRA requests, please include "Privacy Request" in the subject line of your email.
Who We Are
Resources
How We Compare
Apply Now
Privacy Policy
Terms of Service
contact@finperx.com
[Phone number]
FinPerx offers revenue-based financing structured as a purchase of your future receivables - not a loan. There is no fixed repayment term. You repay by remitting a percentage of your future sales until the agreed total amount is recovered. The total cost of financing varies based on your sales volume. Required state-specific disclosures - including annual cost metric, APR equivalent, total repayment amount, finance charges, and payment frequency - will be presented in a separate written disclosure at the time of your offer, as required by applicable law. Revenue-based financing is not available in all states. Availability and terms subject to underwriting approval. FinPerx Servicing LLC.
© 2026 FinPerx, LLC. All rights reserved.
[State Registration Numbers: CA, CT, FL, GA, KS, LA, MO, NY, TX, UT, VA - attorney to provide]
Legal
Privacy Policy
Effective Date: 06/03/2026
Last Updated: 06/03/2026
FinPerx Servicing LLC ("FinPerx," "we," "our," or "us") is committed to protecting the privacy of the businesses and individuals who visit our website and apply for revenue-based financing. This Privacy Policy explains what information we collect, how we use it, with whom we share it, and what rights you have regarding your information.
By using the FinPerx website (finperx.com and any subdomains, the "Site") or submitting an application, you agree to the practices described in this Policy.
1. Who This Policy Covers
This Policy applies to:
Visitors to the Site, whether or not they submit any information
Business owners, principals, and authorized representatives who submit an inquiry or application for revenue-based financing through the Site
ISO brokers and referral partners who interact with the Site or submit applications on behalf of merchants
This Policy does not apply to information collected from FinPerx employees or contractors, or to the terms of any revenue-based financing agreement, which are governed by a separate Merchant Financing Agreement.
2. Information We Collect
2.1 Information You Provide to Us
When you fill out an inquiry form, submit an application, or contact us directly, we may collect:
Identity information: full name, title, and role at your business
Contact information: email address, phone number, and business address
Business information: business legal name, DBA name, state of formation, type of business entity, and years in operation
Sales and revenue information: monthly or annual revenue range, primary sales channels (Amazon, Walmart, Shopify, WooCommerce, Etsy, eBay, direct-to-consumer, or other), and storefront or website URLs
Financing information: requested financing amount, intended use of funds, and existing financing obligations
Financial account information: bank account and routing numbers, and sales data from connected marketplace or payment platforms, if provided
Supporting documents: bank statements, tax returns, or other financial documents you choose to provide during the underwriting process
Communications: any messages, emails, or notes you send to us
2.2 Information Collected Automatically
When you visit the Site, we and our service providers may automatically collect:
Log data: IP address, browser type and version, operating system, referring URL, pages viewed, and time and date of your visit
Device information: device type, unique device identifiers, and mobile network information
Cookie and tracking data: see Section 9 (Cookies and Tracking Technologies)
2.3 Information from Third Parties
We may receive information about you or your business from:
Credit reporting agencies and commercial data bureaus, for underwriting purposes
Bank statement and financial data providers, if you connect your accounts through a third-party service
Marketplace and platform APIs (Amazon, Walmart, Shopify, WooCommerce, and others), if you authorize access to your sales data
ISO brokers and referral partners who submit applications on your behalf
Publicly available sources, including business registries and commercial databases
3. How We Use Your Information
We use the information we collect for the following purposes:
3.1 Evaluating and processing financing applications
We use your business, financial, and identity information to evaluate your eligibility for revenue-based financing, make underwriting decisions, structure a financing offer, and prepare required disclosures and agreements.
3.2 Communicating with you
We use your contact information to respond to inquiries, send application status updates, deliver your financing offer and required disclosures, and provide account-related communications.
3.3 Compliance with legal obligations
We use your information to comply with applicable laws, including commercial financing disclosure laws in California, Connecticut, Delaware, Florida, Georgia, Kansas, Louisiana, Missouri, New York, Texas, Utah, Virginia, and other applicable states; the Gramm-Leach-Bliley Act (GLBA); the Equal Credit Opportunity Act (ECOA); and any applicable federal and state anti-money-laundering or know-your-customer requirements.
3.4 Adverse action notices
If we decline your application, we are required by ECOA to provide a written adverse action notice. We will use your contact information and application details to prepare and deliver that notice.
3.5 Improving our services
We may use aggregated, de-identified data to analyze trends, improve our underwriting models, develop new products and services, and improve the Site experience.
3.6 Marketing and outreach
With your consent or where permitted by applicable law, we may use your contact information to send information about FinPerx products, financing options, or educational content. You may opt out of marketing communications at any time by clicking the "unsubscribe" link in any email or by contacting us at contact@finperx.com.
4. How We Share Your Information
We do not sell your personal information. We share information only in the following circumstances:
4.1 Service providers
We share information with vendors who perform services on our behalf, including e-signature platforms, CRM software, bank statement analysis providers, cloud hosting and infrastructure providers, email and communication platforms, and credit data providers. Service providers are contractually required to use your information only to provide services to FinPerx and to maintain appropriate data security.
4.2 ISO brokers and referral partners
If an ISO broker or referral partner submitted your application on your behalf, we may share application status and outcome information with that partner. ISO brokers are contractually required to maintain confidentiality and comply with applicable disclosure laws.
4.3 Legal and regulatory compliance
We may disclose information when required by law, court order, or regulatory authority; to respond to a valid subpoena or legal process; to enforce our agreements; or to protect the rights, safety, or property of FinPerx, our users, or the public.
4.4 Business transfers
In connection with a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or a portion of FinPerx's assets, your information may be transferred as part of that transaction. We will notify you of any such transfer to a new entity with materially different privacy practices.
4.5 With your consent
We may share your information with third parties when you have given us your explicit consent to do so.
5. Gramm-Leach-Bliley Act (GLBA) Notice
FinPerx may qualify as a "financial institution" under the GLBA based on the nature of its revenue-based financing activities. To the extent GLBA applies, the following applies to our collection and use of "nonpublic personal information" (NPI):
We collect NPI — including financial information and personal identifiers — to evaluate financing applications and provide financing services.
We share NPI with service providers who assist us in providing financing services, subject to confidentiality obligations.
We do not share NPI with unaffiliated third parties for their own marketing purposes without your authorization.
We maintain a written information security program designed to protect NPI from unauthorized access, disclosure, or misuse.
6. Data Retention
We retain your information for as long as necessary to fulfill the purposes described in this Policy, unless a longer retention period is required by law. Specifically:
Application data for declined applicants is retained for a minimum of 25 months to comply with ECOA record-keeping requirements.
Data for funded merchants is retained for the duration of the financing relationship and for a period thereafter as required by applicable law and our internal record-keeping policies.
Marketing contact data is retained until you opt out or request deletion, subject to legal hold requirements.
When information is no longer needed and no legal retention obligation applies, we securely delete or de-identify it.
7. Your Privacy Rights
7.1 California Residents (CCPA / CPRA)
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), gives you the following rights:
Right to Know: You may request that we disclose the categories and specific pieces of personal information we have collected about you, the sources of that information, our business purposes for collecting it, and the categories of third parties with whom we share it.
Right to Delete: You may request that we delete personal information we have collected from you, subject to certain exceptions (e.g., information needed to complete a transaction, detect fraud, or comply with a legal obligation).
Right to Correct: You may request that we correct inaccurate personal information we maintain about you.
Right to Opt Out of Sale or Sharing: We do not sell or share personal information for cross-context behavioral advertising as defined by the CPRA.
Right to Limit Use of Sensitive Personal Information: To the extent we collect "sensitive personal information" as defined by the CPRA, you may have the right to limit certain uses of that information.
Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA/CPRA rights.
To exercise any of these rights, contact us at contact@finperx.com. We will respond within 45 days, with one 45-day extension if reasonably necessary. We may need to verify your identity before processing your request.
7.2 Other State Residents
Residents of Connecticut, Colorado, Virginia, and other states with comprehensive privacy laws may have similar rights to access, correct, delete, and port their personal information. Contact us at contact@finperx.com to submit a request. We will respond in accordance with applicable state law.
7.3 All Users — Opt-Out of Marketing
Regardless of your state of residence, you may opt out of marketing communications at any time by clicking "unsubscribe" in any marketing email or by contacting us at contact@finperx.com. Opting out of marketing will not affect our ability to send you transactional communications related to an active application or financing agreement.
8. Data Security
We implement administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:
Encryption of data in transit using TLS/HTTPS
Access controls limiting access to personal and financial information to authorized personnel with a business need
Contractual data security requirements for all service providers who handle personal information
Written information security policies and procedures consistent with applicable law
No data transmission over the internet or electronic storage system is perfectly secure. While we take reasonable precautions, we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately at contact@finperx.com.
In the event of a data breach affecting your personal information, we will notify you and applicable regulatory authorities as required by applicable state breach notification laws, which generally require notification within 30–72 hours of discovery.
9. Cookies and Tracking Technologies
The Site uses cookies and similar technologies to operate the Site, remember your preferences, analyze traffic, and deliver relevant content. The categories of cookies we use include:
Strictly necessary cookies: Required for the Site to function. Cannot be disabled.
Analytics cookies: Help us understand how visitors use the Site (e.g., Google Analytics). Collected data is aggregated and de-identified where possible.
Marketing and tracking cookies: Used to measure the effectiveness of our advertising campaigns (e.g., Google Ads conversion tracking).
You can control cookies through your browser settings or, where available, through a cookie preference center on the Site. Note that disabling certain cookies may affect Site functionality.
The Site does not currently respond to Do Not Track (DNT) signals.
10. Third-Party Links
The Site may contain links to third-party websites, including marketplace platforms (Amazon, Walmart, Shopify, WooCommerce, Etsy, eBay) and third-party tools. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any third-party site you visit. FinPerx is not responsible for the privacy practices of third-party sites.
11. Children's Privacy
The Site is intended solely for use by business owners and authorized business representatives who are at least 18 years of age. We do not knowingly collect personal information from individuals under 18. If we learn that we have inadvertently collected information from a minor, we will promptly delete it. If you believe we have collected information from a minor, please contact us at contact@finperx.com.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, applicable law, or business operations. When we make material changes, we will update the "Last Updated" date at the top of this page and, where required by law, provide additional notice (such as a banner on the Site or an email to known contacts). Your continued use of the Site after the updated Policy becomes effective constitutes your acceptance of the revised Policy.
13. Contact Us
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have a concern about how we handle your information, please contact us:
FinPerx Servicing LLC
Email: contact@finperx.com
For California residents submitting CCPA/CPRA requests, please include "Privacy Request" in the subject line of your email.