Privacy Policy

1. Information We Collect

When you apply for funding or interact with our services, we may collect the following categories of information:

• Identification data: name, date of birth, Social Security Number, government-issued ID, signature.
• Contact data: mailing address, email, mobile and business phone numbers.
• Business data: legal entity name, DBA, EIN, formation date, ownership structure, industry, use of funds.
• Financial data: bank statements, revenue figures, outstanding advances or loans, FICO score, collateral.
• Transactional data: funding amount, repayment activity, communications with our advisors.
• Technical data: IP address, device, browser, and usage data collected automatically through cookies and similar technologies.

2. How We Use Your Information

We use the information we collect to:

• Evaluate your application and underwrite funding offers.
• Verify identity, detect fraud, and comply with anti-money-laundering and know-your-customer obligations.
• Communicate with you about your application, approvals, renewals, and servicing.
• Improve our products, operations, and customer experience.
• Comply with applicable laws, regulations, and lawful requests from authorities.

3. How We Share Your Information

We do not sell your personal information. We may share information with:

• Funding partners and syndicators who participate in underwriting or capital provision.
• Service providers performing functions on our behalf, such as identity verification, document processing, payment facilitation, and IT services.
• Credit bureaus and verification agencies for underwriting and compliance.
• Legal and regulatory recipients when required by law, subpoena, or to protect our rights.
• Affiliates and successors in connection with a merger, acquisition, or sale of assets.

4. Credit Inquiries

By submitting an application, you authorize Apex Advance Holdings and its funding partners to obtain consumer and business credit reports, verify bank activity, and request any information necessary to evaluate your eligibility. Soft inquiries do not affect your personal credit score. A hard inquiry may occur before final funding, and you will be notified before it is run.

5. Data Retention

We retain your information for as long as your account is active and for a period afterwards as required to comply with legal obligations, resolve disputes, and enforce our agreements. Typical retention periods range from five to seven years following the conclusion of your relationship with us.

6. Data Security

We use commercially reasonable administrative, technical, and physical safeguards to protect your information, including encryption in transit, access controls, and periodic security reviews. No method of transmission or storage is one hundred percent secure, and we cannot guarantee absolute security.

7. Cookies and Tracking

Our website uses cookies and similar technologies to recognize your browser, remember preferences, analyze site traffic, and measure advertising performance. You can adjust your browser settings to refuse cookies, although some features of the site may not function properly.

8. Your Rights and Choices

Depending on your jurisdiction, you may have the right to:

• Request access to the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your information, subject to legal retention requirements.
• Opt out of certain marketing communications.

To exercise any of these rights, contact us using the details below. We may verify your identity before responding.

9. California Residents

If you are a California resident, the California Consumer Privacy Act (CCPA) grants you additional rights, including the right to know what personal information we collect, the right to request deletion, and the right to non-discrimination for exercising your rights. We do not sell personal information as defined under the CCPA.

10. TCPA and Electronic Communications

By providing your phone number and email, you consent to receive calls, SMS messages, and emails from Apex Advance Holdings, including autodialed or prerecorded messages, regarding your application, funding, and servicing. Standard message and data rates may apply. You may opt out of marketing communications at any time by replying STOP to any SMS or following the unsubscribe link in any email.

11. Children

Our services are not intended for individuals under eighteen years of age, and we do not knowingly collect personal information from children.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by a revised "Last updated" date and will be effective as soon as it is posted. Material changes will be notified to you through the website or by email.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, please reach out:

Apex Advance Holdings
Email: kevin@apexadvanceholdings.com
Phone: +1 (929) 659-7614
New York, NY