Privacy Policy
Privacy Policy
Effective Date: 05-2025
At Merchant Matrix, your privacy is important to us. As a financial technology SaaS provider working with funders and brokers, we are committed to protecting the personal and financial data of all users who interact with our platform. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.
1. Information We Collect
We collect both personal and business-related information to provide and improve our services. This may include:
Personal Identifiable Information (PII)
- Full name
- Email address
- Phone number
- Mailing address
- Government-issued identification (if required for compliance)
Business Information
- Business name
- EIN or Tax ID
- Bank account data
- Merchant statements and transaction history
- Loan or funding application data
- Financial statements and underwriting documents
Technical Data
- IP address
- Browser type and version
- Device identifiers
- Usage logs and metadata
- Cookies and analytics data
2. How We Use Your Information
Merchant Matrix uses your information to:
- Provide access to our underwriting and risk assessment tools
- Parse, analyze, and score bank statements and other financial documents
- Identify potential fraud or irregularities in funding applications
- Deliver actionable insights to funders and brokers for decision-making
- Communicate platform updates, alerts, and transactional messages
- Improve and optimize our platform performance and security
- Comply with legal and regulatory obligations
3. Sharing and Disclosure
We only share your data with trusted third parties when necessary and with appropriate safeguards:
- Funders and Brokers: To facilitate funding decisions and streamline underwriting workflows
- Service Providers: For hosting, analytics, customer support, and communication services
- Legal Authorities: When required to comply with law, regulation, legal process, or governmental requests
- Business Transfers: In the event of a merger, acquisition, or asset sale
We do not sell or rent your personal data to third parties.
4. Data Security
We implement technical, administrative, and physical safeguards to protect your data. These include:
- Bank-grade encryption in transit and at rest
- Role-based access controls
- Continuous monitoring and auditing
- Secure cloud infrastructure and backup systems
Despite our efforts, no system can be completely secure. We encourage users to also take precautions to protect their information.
5. Data Retention
We retain user data only for as long as necessary to fulfill the purposes outlined in this policy or as required by law. Upon request, we will securely delete or anonymize your data in accordance with applicable regulations.
6. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access the data we hold about you
- Request corrections to inaccurate or incomplete data
- Request deletion of your personal information
- Object to certain data processing activities
- Withdraw consent where applicable
To exercise these rights, please contact us at [email protected].
7. Cookies and Tracking Technologies
Merchant Matrix uses cookies and similar technologies to enhance user experience, improve functionality, and analyze performance. You can manage cookie preferences through your browser settings.
8. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from minors.
9. Changes to This Privacy Policy
We may update this policy from time to time. When we do, we will revise the “Effective Date” and notify users as required by law.
10. Contact Us
If you have any questions or concerns about this Privacy Policy or your data, please contact:
Merchant Matrix
Email: [email protected]
Address: 260 W 35th St., Ste 303, New York, NY 10001