Privacy Policy
Last updated: January 2025
At M.A. Capital Finance, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, and safeguard your data.
Bank-Grade Security
256-bit SSL encryption and secure data centers
Transparent Practices
Clear disclosure of data collection and usage
Your Control
Manage your data preferences and rights
Personal Information
- Name, address, phone number, and email address
- Social Security number and date of birth
- Employment information and income details
- Banking and financial account information
Credit Information
- Credit reports and credit scores
- Credit history and payment patterns
- Existing debt obligations
Technical Information
- IP address and device information
- Browser type and operating system
- Website usage patterns and preferences
We use your information to:
- Process and underwrite loan applications
- Verify your identity and prevent fraud
- Provide customer service and support
- Comply with legal and regulatory requirements
- Improve our services and user experience
- Send important account notifications
- Conduct risk assessment and portfolio management
Our AI-powered platform uses machine learning algorithms to analyze your financial data and provide personalized loan offers. This includes:
- Automated credit decisioning and risk assessment
- Fraud detection and prevention
- Personalized rate and term recommendations
- Customer service optimization
All AI processing is conducted with appropriate safeguards to ensure fairness, accuracy, and compliance with applicable laws.
We may share your information with:
- Service Providers: Third-party vendors who assist with loan processing, servicing, and support
- Credit Bureaus: To report loan performance and verify credit information
- Bank Partners: Our bank sponsor for loan funding and compliance purposes
- Legal Authorities: When required by law or to protect our rights
- Business Partners: With your consent, for joint marketing or service offerings
We do not sell your personal information to third parties for their marketing purposes.
We implement industry-leading security measures to protect your information:
- 256-bit SSL encryption for all data transmission
- Secure, SOC 2 compliant data centers
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Employee background checks and security training
- Incident response and breach notification procedures
You have the right to:
- Access and review your personal information
- Request corrections to inaccurate data
- Opt out of marketing communications
- Request deletion of your data (subject to legal requirements)
- Receive a copy of your data in a portable format
- File a complaint with regulatory authorities
To exercise these rights, please contact us using the information provided below.
We use cookies and similar technologies to enhance your experience on our website. These include:
- Essential Cookies: Required for website functionality and security
- Analytics Cookies: Help us understand how visitors use our site
- Marketing Cookies: Used to deliver relevant advertisements
You can manage your cookie preferences through your browser settings or our cookie preference center.
We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Retention periods vary based on:
- The type of information and its sensitivity
- Legal and regulatory requirements
- Business needs and operational requirements
- Your relationship status with us
When information is no longer needed, we securely delete or anonymize it according to our data retention schedule.
California Residents (CCPA/CPRA)
California residents have additional rights under the California Consumer Privacy Act, including the right to know, delete, and opt-out of the sale of personal information.
Other State Rights
Residents of other states may have additional privacy rights under applicable state laws. Please contact us for more information about your specific rights.
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of material changes by:
- Posting the updated policy on our website
- Sending email notifications to registered users
- Providing notice through our mobile application
Your continued use of our services after any changes indicates your acceptance of the updated policy.
Privacy Questions or Concerns?
If you have any questions about this Privacy Policy or our data practices, please contact our Privacy Officer:
Email: privacy@macapitalfinance.com
Phone: 630-414-2962
Mail: Privacy Officer, M.A. Capital Finance LLC, Chicago, IL