Privacy Policy
Micro Capital Group is committed to protecting your personal information and being transparent about how we collect, use, and safeguard your data.
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Introduction
Our Commitment to Privacy
Micro Capital Group ("we," "our," or "us") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us in any way.
This policy applies to all information collected through our website, mobile applications, email communications, and other related services (collectively, the "Services"). By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy.
Contact Information
For privacy-related questions or concerns, please contact us at:
privacy@microcapitalgroup.comPolicy Details
Effective Date: January 1, 2024
Last Updated: January 1, 2024
Information We Collect
We collect information from you in several ways to provide and improve our services. The types of information we collect include:
Personal Information
When you apply for funding or use our services, we may collect the following personal information:
- Contact Information: Name, email address, phone number, mailing address
- Business Information: Business name, address, industry, years in operation, revenue details
- Financial Information: Bank account information, financial statements, credit history, tax returns
- Identification Information: Social Security Number, Employer Identification Number (EIN), driver's license
- Application Data: Funding amount requested, intended use of funds, business plans
Non-Personal Information
We automatically collect certain non-personal information when you visit our website:
- Technical Data: IP address, browser type and version, operating system
- Usage Data: Pages visited, time spent on pages, referral sources
- Device Information: Device type, screen resolution, browser settings
- Analytics Data: Website performance metrics, user behavior patterns
Financial Information
Financial information is only collected when voluntarily provided by you during the funding application process. This includes bank statements, credit reports, financial projections, and other documents necessary for funding prequalification and approval.
How We Use Your Information
We use the information we collect for various purposes, including:
Funding Applications
- Process and evaluate funding applications
- Verify identity and business information
- Conduct credit checks and risk assessments
- Facilitate loan approvals and disbursements
Service Personalization
- Customize user experience and content
- Provide personalized funding recommendations
- Tailor marketing communications
- Improve service delivery and support
Service Improvement
- Analyze website usage and performance
- Develop new products and services
- Enhance security measures
- Conduct research and analytics
Communication
- Send service updates and notifications
- Respond to inquiries and support requests
- Provide marketing communications (with consent)
- Share important policy or service changes
Consent-Based Marketing
We will only use your information for marketing purposes with your explicit consent. You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly.
How We Protect Your Data
We implement comprehensive security measures to protect your personal and financial information:
SSL Encryption
All data transmission is protected using industry-standard SSL/TLS encryption protocols.
Advanced Firewalls
Multi-layered firewall protection prevents unauthorized access to our systems and databases.
Secure Storage
Data is stored in encrypted, secure databases with regular backups and disaster recovery protocols.
Access Controls
- Restricted Access: Only authorized personnel have access to personal information
- Role-Based Permissions: Access is limited based on job responsibilities and need-to-know basis
- Regular Audits: We conduct regular security audits and access reviews
- Employee Training: All staff receive comprehensive data protection training
Data Breach Protocol
In the unlikely event of a data breach, we will notify affected users within 72 hours and take immediate steps to secure the breach and prevent further unauthorized access.
Information Sharing
We may share your information in the following circumstances:
With Financial Partners
We share your information with vetted financial partners and lenders for funding evaluation and approval purposes. This includes:
- • Banks and credit unions
- • Alternative lending institutions
- • SBA approved lenders
- • Investment partners
Service Providers
We may share information with trusted third-party service providers who assist us in operating our business:
- Credit Reporting Agencies: For credit checks and reporting purposes
- Payment Processors: To facilitate secure transactions
- Technology Partners: For website hosting, analytics, and security
- Professional Services: Legal, accounting, and consulting services
Legal Requirements
We may disclose your information when required by law or to protect our rights and interests:
- • Compliance with legal obligations
- • Response to court orders or subpoenas
- • Protection against fraud or illegal activities
- • Enforcement of our terms and conditions
What We Don't Do
We never sell, rent, or trade your personal information to third parties for marketing purposes. Your information is only shared with trusted partners who are essential to providing our services.
Your Data Rights
You have several rights regarding your personal information:
Right to Access
You can request a copy of the personal information we have about you, including how it's used and shared.
Right to Update
You can request corrections or updates to your personal information if it's inaccurate or incomplete.
Right to Delete
You can request deletion of your personal information, subject to certain legal and business requirements.
Right to Opt-Out
You can opt out of marketing communications and certain data processing activities at any time.
Data Portability
You can request your data in a portable format to transfer to another service provider.
Right to Restrict
You can request restrictions on how we process your personal information in certain circumstances.
Response Timeframe
We will respond to your data rights requests within 30 days. For complex requests, we may extend this period by an additional 60 days with notification.
Third-Party Links
Our website may contain links to third-party websites, including our financial partners and service providers. Please be aware that:
External Sites
We are not responsible for the privacy practices or content of external websites. Each site has its own privacy policy and terms of service.
Review Policies
We encourage you to review the privacy policies of any third-party websites you visit through links on our site.
Partner Website Examples
- Lender Websites: When redirected to complete loan applications
- Credit Agencies: For credit monitoring and reporting services
- Payment Processors: For secure transaction processing
- Educational Resources: Business and financial education content
Partner Vetting
While we carefully vet our partners and only work with reputable organizations, we recommend reviewing their individual privacy policies to understand how they handle your information.
Policy Updates
We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements.
How We Handle Updates
- Notification: We will notify users of material changes via email or website notice
- Effective Date: Changes will be reflected with a new effective date at the top of this policy
- Review Period: Users will have 30 days to review changes before they take effect
- Continued Use: Continued use of our services constitutes acceptance of updated terms
Stay Informed
We recommend checking this Privacy Policy periodically for updates. We will always maintain transparency about how we collect, use, and protect your information.
Contact Us
If you have questions about this Privacy Policy or our data practices, please don't hesitate to contact us:
Privacy Inquiries
Response Time:
Within 24-48 hours
Best For:
- • Privacy policy questions
- • Data rights requests
- • Security concerns
Company Information
Company Name:
Micro Capital Group LLC
Business Registration:
Delaware, United States
Compliance:
- • CCPA Compliant
- • GDPR Ready
- • SOC 2 Certified
Your Privacy, Our Promise
We're committed to protecting your information while helping you achieve your business funding goals. Apply with confidence knowing your data is secure.