Privacy Policy · Terms of Service
Privacy Policy
Business Capital Bank, ("Business Capital Bank," "we," "us," or "our"), respects your privacy. This Privacy Policy explains what information we collect through the website located at https://americanfundingservices.com/ (the "Site"), how we use and share it, and the choices and rights available to you, including rights under California law.
By using the Site or submitting information through it, you agree to the practices described in this Privacy Policy.
1. Information We Collect
Information You Provide. When you complete a form, submit an application or inquiry, or otherwise contact us, we may collect:
- Your name and the name of your business;
- Business contact information, including email address, phone number, and business address;
- Information about your business, such as time in business, industry, revenue, and funding needs; and
- Any other information you choose to provide.
Information Collected Automatically. When you visit the Site, we and our service providers may automatically collect:
- Device and browser information (such as IP address, browser type, and operating system);
- Usage information (such as pages viewed, links clicked, and time spent on the Site); and
- Information collected through cookies, pixels, and similar technologies (see Section 4).
2. How We Use Your Information
We use the information we collect to:
- Receive, evaluate, verify, and process your application or inquiry;
- Provide, maintain, and improve our services;
- Communicate with you about your application, our services, and your relationship with us;
- Perform underwriting, verification, fraud prevention, and risk assessment;
- Measure and improve the effectiveness of our advertising and marketing;
- Comply with legal obligations and enforce our agreements; and
- Operate, secure, and improve the Site.
3. How We Share Your Information
We may share your information with:
- Service Providers: Vendors and service providers that perform functions on our behalf, such as hosting, data processing, verification, analytics, and communications.
- Funding Sources and Affiliates: Third-party funding sources, underwriting partners, or affiliated entities involved in evaluating, processing, or fulfilling your application.
- Advertising and Analytics Partners: Providers such as Meta (see Section 4) that help us measure and deliver advertising.
- Legal and Compliance: Law enforcement, regulators, or other parties when required by law, to comply with legal process, or to protect our rights, property, or safety or that of others.
- Business Transfers: A successor entity in connection with a merger, acquisition, financing, or sale of assets.
We do not sell your personal information for money. Certain sharing for advertising purposes, described below, may be considered a "sale" or "sharing" under California law, and you may opt out (see Section 7).
4. Cookies, Pixels, and Tracking Technologies
The Site uses cookies and similar tracking technologies, including the Meta Pixel, a tool provided by Meta Platforms, Inc. The Meta Pixel collects information about your interactions with the Site — such as pages visited and actions taken — and shares certain information with Meta to help us measure the effectiveness of our advertising, understand how visitors use the Site, and deliver relevant ads to you on Meta's platforms (including Facebook and Instagram) and elsewhere.
Information collected through the Meta Pixel may be matched by Meta to your Meta account and used for advertising and measurement. To learn more about how Meta uses this information and the controls available to you, visit Meta's data policy and your Meta ad preferences.
Your Choices for Tracking:
- You can manage or disable cookies through your browser settings.
- You can adjust your Meta ad preferences within your Facebook and Instagram account settings.
- You can opt out of certain interest-based advertising through industry tools such as the Digital Advertising Alliance (optout.aboutads.info) and the Network Advertising Initiative (optout.networkadvertising.org).
5. Data Retention
We retain your information for as long as necessary to fulfill the purposes described in this Privacy Policy, including to process your application, provide services, comply with legal obligations, resolve disputes, and enforce our agreements, after which we securely delete or de-identify it.
6. Data Security
We maintain reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
7. Your California Privacy Rights
If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, "CCPA/CPRA"), provides you with the rights described below. These rights apply to personal information we collect, including business contact information provided in a commercial context.
Categories of Personal Information We Collect. In the past 12 months, we may have collected the following categories of personal information: identifiers (such as name, email, phone number, IP address); commercial information (such as funding inquiries); internet or network activity (such as Site usage); professional or employment-related information; and financial or business information you provide. We collect this information from you directly and automatically through the Site.
Purposes. We use these categories for the business purposes described in Section 2.
Your Rights. Subject to certain exceptions, you have the right to:
- Know / Access the categories and specific pieces of personal information we have collected about you;
- Delete personal information we have collected from you;
- Correct inaccurate personal information;
- Opt Out of Sale or Sharing of your personal information, including sharing for cross-context behavioral advertising (such as through the Meta Pixel); and
- Non-Discrimination — we will not discriminate against you for exercising any of these rights.
How to Exercise Your Rights. To submit a request, contact us at info@americanfundingservices.com. We will verify your request before responding. You may use an authorized agent to submit a request on your behalf, subject to verification.
Do Not Sell or Share My Personal Information. To opt out of the sharing of your personal information for cross-context behavioral advertising, contact us at info@americanfundingservices.com and adjust your browser and Meta ad settings as described in Section 4.
8. Children's Privacy
The Site and our services are intended for businesses and their authorized representatives and are not directed to individuals under 18. We do not knowingly collect personal information from minors.
9. Third-Party Links
The Site may contain links to third-party websites. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Changes are effective when posted to the Site with an updated Effective Date. Your continued use of the Site after changes are posted constitutes acceptance of the revised policy.
11. Contact Us
For questions or requests regarding this Privacy Policy or your personal information, contact:
Business Capital Bank
6420 Wilshire Blvd. LA, Ca 90036
info@americanfundingservices.com
Terms of Service
These Terms of Service ("Terms") govern your access to and use of the website located at https://americanfundingservices.com/ (the "Site") and any funding inquiry or application you submit through it. The Site is operated by Business Capital Bank ("Business Capital Bank," "we," "us," or "our").
By accessing the Site or submitting information through it, you agree to be bound by these Terms and by the Privacy Policy above. If you do not agree, please do not use the Site.
1. About Our Services
Business Capital Bank is a direct funder of business capital. We provide business owners with the opportunity to inquire about and apply for business funding. We are not a broker. All funding is offered for business or commercial purposes only and is not an offer or solicitation for consumer credit. Any funding is subject to our review, underwriting, and approval, and to the terms of a separate written agreement. Nothing on the Site is a commitment or guarantee to provide funding on any particular terms, amount, or timeline.
2. Eligibility
The Site and our services are intended for businesses and their authorized representatives. By using the Site, you represent that you are at least 18 years old and that you are authorized to submit information and requests on behalf of the business you identify.
3. Funding Inquiries and Applications
When you submit a funding inquiry or application, you agree to provide accurate, current, and complete information. Submitting an inquiry does not create any obligation on our part to provide funding and does not guarantee approval. Funding amounts, rates, fees, and timelines vary and depend on your business profile, our underwriting, and other factors, and are set out only in a separate written agreement if funding is approved.
4. Consent to Communications
By submitting your information through the Site, you agree that Business Capital Bank and its authorized representatives may contact you at the telephone number, email address, and other contact information you provide — including by phone call, text/SMS message, and email — for purposes related to your inquiry and our services. You understand these communications may be made using automated technology, and that consent is not a condition of any purchase or funding. Message and data rates may apply. You may opt out of promotional communications at any time by following the unsubscribe instructions or by contacting us at the address below. You may reply STOP to text messages to opt out of SMS.
5. No Professional Advice
Content on the Site is provided for general informational purposes only and does not constitute financial, legal, tax, or accounting advice. You should consult your own advisors before making financial decisions.
6. Intellectual Property
The Site and its content, including text, graphics, logos, and design, are owned by or licensed to Business Capital Bank and are protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from the Site without our prior written permission.
7. Third-Party Links and Services
The Site may contain links to third-party websites or services that we do not control. We are not responsible for the content, policies, or practices of any third party. Your use of third-party sites is at your own risk and subject to their terms.
8. Disclaimers
The Site is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.
9. Limitation of Liability
To the fullest extent permitted by law, Business Capital Bank and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your use of the Site, even if advised of the possibility of such damages.
10. Indemnification
You agree to indemnify and hold harmless Business Capital Bank and its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or related to your use of the Site or your violation of these Terms.
11. Governing Law
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Site will be subject to the exclusive jurisdiction of the state and federal courts located in California.
12. Changes to These Terms
We may update these Terms from time to time. Changes are effective when posted to the Site with an updated Effective Date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
13. Contact Us
For questions about these Terms, contact:
Business Capital Bank
6420 Wilshire Blvd. LA, Ca 90036
info@americanfundingservices.com