Privacy Policy & Data Governance

American Business Capital LLC collects, processes, and manages your business and personal information when you interface with our digital properties located at www.americanbusinesscapital.com. By navigating this platform or submitting information through our secure intake pipelines, you verify that you are at least 18 years of age. We operate as the primary data controller responsible for the preservation and lawful transmission of your corporate files (referred to as "we," "our," or "us" throughout this disclosure framework).

Contact Us & Official Inquiries

If you have questions regarding this privacy management layout, wish to review your data, or choose to exercise your privacy rights, please reach out directly to our compliance officers at:

What Data We Collect and Why

We manage multiple varieties of business metrics and personal indicators to power our digital infrastructure, process structural financing requests, coordinate communication channels, and secure specialized lending offers. This data array contains:

• Communication Data: Any information transmitted directly to us via our interactive pre-screening wizards, corporate email networks, secure web forms, or social channels. This is preserved for record-keeping, client tracking, and legal safety validation.
• Customer & Entity Data: High-level profile items including your legal name, business trade name, corporate address structure, corporate email, phone lines, and general transaction details used to map your file for commercial partner routing.
• Financial & Operational Data: Asset metrics explicitly collected through our interactive step-by-step screeners or external Momentum capture links to analyze program placement. This includes monthly gross revenue, operational time in business, target invoice sizing, principal credit score tiers, and general asset parameters required by third-party capital channels.
• User Navigation Data: Analytics showing how you traverse our platform—including page histories, active selections, time on layout blocks, and navigation paths—to monitor background security, maintain container integrity, and maximize user conversion.
• Technical Indicators: Machine properties collected natively via cookies or background tracking engines, including your IP address, network browser parameters, and operating configurations to preserve device scaling stability across mobile and desktop.
• Marketing & SMS Data: Your customized preferences for receiving informational updates, text messages (TCPA compliant), or promotional lending matrices from our internal broker infrastructure.

Legal Basis for Processing Your Data

We process background commercial data based on three structural lawful pillars:

• Legitimate Interests: Essential for the day-to-day operation of our commercial brokerage, maintaining web architecture safety, and defending against platform fraud or invalid file submissions.
• Performance of a Contract: Mandatory actions taken to build, package, and structure your business capital file for submission to third-party lending groups or specialized credit provider channels.
• Explicit Consent: Personal authorizations granted by you when verifying file submission forms, opting into text notifications, or approving direct marketing alerts.

Who We Share Your Data With

To effectively secure alternative liquidity solutions, we may share file properties with:

• Financial Marketplace Partners: Independent third-party alternative lenders, asset-backed investors, and preferred SBA banking networks that evaluate your parameters to extend capital choices.
• Integrated Service Providers: Third-party technology tools integrated directly with our ecosystem, including secure data capture managers (Momentum Tools), CRM databases, cloud-hosting arrays, and customer success engines.
• Advisors & Legal Authorities: Professional accounting entities, corporate legal counsel, or regulatory agencies when explicitly required under applicable compliance guidelines.

Data Security & Technical Controls

We deploy industry-standard technical security frameworks—including 256-bit SSL/TLS encryption protocols and restricted access control lists—to shield your operational history from unauthorized access, accidental alteration, or leakage. Access to your raw financial files is restricted strictly to verified personnel requiring metrics to package your commercial funding application.

Data Retention Timelines

We maintain active file parameters for as long as necessary to achieve the capital sourcing targets outlined at capture. Corporate profiles, compliance verifications, and financial files are retained for a minimum of 6 years to satisfy internal accounting practices and state or federal legal criteria.

Your Privacy Rights (CCPA & State Guidelines)

Depending on your state of residence, you possess specific rights regarding your personal and corporate data, including:

• The right to know what personal information is collected, used, shared, or sold.
• The right to request deletion of personal information held by us or our service providers.
• The right to opt-out of the sale or sharing of personal information for cross-context behavioral advertising.
• The right to non-discrimination for exercising your state privacy rights.

To exercise any of these rights, please submit a written request to info@americanbusinesscapital.com with the subject line "Privacy Rights Request."

Third-Party Digital Links

Our platform interfaces with external integrations and links (such as custom form handlers and specialized lender tools). We do not control the privacy practices of outside domains. We advise reviewing the individual privacy notices of any third-party system you engage with.