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American Capital Advance, LLC Privacy Policy
(effective May 1, 2005)
American Capital Advance, LLC (“ACA”) collects certain confidential information from its customers (and potential customers) through the application process. ACA maintains and uses such customer information as set forth in this privacy policy:
- ACA is committed to protecting customer information in each of its merchant transactions.
- ACA does not sell customer information to third parties.
- ACA does not share customer information with advertisers or marketers who wish to market their products to you.
- You do not have to take any action or instruct ACA to keep your information confidential.
- ACA uses commercially reasonable efforts to safeguard customer information.
- ACA maintains the procedure and technology described in this privacy policy.
ACA’s corporate mission is to be a trusted source of service and reliability for its customers. ACA is dedicated to these principles.
HOW ACA PROTECTS AND USES CUSTOMER INFORMATION
- ACA safeguards the security and integrity of customer information.
- ACA limits access to customer files to those officers who have a business need to know and access such information.
- ACA maintains policies and procedures to secure physical access to its confidential customer information, including:
- Locking down its physical files;
- Maintaining a professionally monitored alarm system at its facilities where confidential customer information is stored;
- Shredding all discarded customer information;
- ACA requires its independent contractors and third party vendors who provide services to ACA to adhere to strict privacy standards;
- ACA uses technological means (including back up files, offsite secured storage of electronic files, firewalls, and encryption schemes) to protect against unauthorized access or alterations of confidential customer data.
- ACA collects and maintains customer information as part of the ACA application process. ACA collects information about merchant business and its owners/operators from a variety of sources, including:
- Information provided to us via the ACA application and other required forms;
- Information ACA receives from third parties that the merchant business authorizes it to contact, such as the merchant’s trade, banking, and landlord references regarding credit history; and
- Information ACA receives from third party credit and background reporting agencies whom it contacts to verify merchants’ credit history and general background information.
- ACA does not share customer confidential information with third parties.
- ACA does not provide confidential customer information to third party advertisers or marketers.
- ACA does not provide confidential customer information to credit bureaus and/or credit reporting agencies.
- ACA will promptly notify a merchant business in writing or by telephone if ACA suspects that there has been a breach of confidentiality regarding confidential customer information.
The policies and practices described in this disclosure are subject to change, and any such changes will be communicated to ACA merchants and published on the ACA website. Please contact us at 1-800-599-9158 if you have questions regarding this policy.
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