Last Updated: 3/6/2025

This policy applies to www.myaccessloans.com (“Website”), which is owned and operated by Access Business Loans (“ABL,” “we,” “us,” or “our”). The Website promotes and facilitates our services, including but not limited to Small Business Loans, Lines of Credit, Term Loans, Equipment Financing, Receivables Financing, and other related services (collectively, the “Services”). This policy explains how ABL collects, uses, and protects personal and business information you provide directly or that is automatically generated while using the Website.

General Acceptance

Any application submitted electronically shall have the same force and effect as if it bore an original ink signature. The information provided, along with any accompanying financial statements, schedules, or other materials, is submitted for the purpose of obtaining business credit and is warranted to be true, correct, and complete.

Information We Collect

Federal law requires financial institutions to obtain, verify, and retain information about each individual and business seeking a business loan or related services. The information we collect may include:

• General contact information

• Financial data: bank statements, credit card statements, business and personal credit history, payment history, bank account details, and Federal Tax ID

• Social Security Number

• Unique banking and merchant credentials such as usernames, passwords, and IP addresses

• General business information: company size, business type, physical address, annual revenue

Once you become an ABL customer, we may contact you to obtain additional information if you choose to renew your Service.

Application Terms

Each business owner or officer listed in the application (an “Applicant”) represents, acknowledges, and agrees that:

1. All information and documents provided to Access Business Loans are true, accurate, and complete.

2. The Applicant will promptly notify ABL of any changes to the information or financial condition provided.

3. ABL is authorized to disclose this information to other parties (“Assignees”) who may assist in providing or funding a loan or other Service. These parties may also use and share the information for evaluating potential transactions.

4. ABL and its partners may request and obtain investigative reports, credit reports, verification from creditors or financial institutions, or any other information deemed necessary.

5. The Applicant waives any claims against ABL and information providers relating to the request, receipt, or release of such information.

6. Each owner/officer is authorized to sign the application on behalf of the business.

7. The Applicant consents to receive emails, direct mail, and text messages from ABL and its affiliates for purposes of account updates, information requests, and new service offers.

8. This application is made for business purposes only and not for personal, household, or consumer use.

Use of Information

The information provided on the application and any additional data obtained by ABL may be used to:

• Verify your identity and conduct due diligence

• Process your application and determine your eligibility for one or more Services

• Facilitate communication between you and ABL, including confirmations, customer service, account updates, and promotional materials

• Post and manage comments on the Website, marketing content, blog, or social media

• Conduct research and analysis to better understand our customers and the small to medium-sized business landscape

Third-Party Information

In some cases, you may provide personally identifiable information (PII) about a third party. If you submit information about someone else, you are responsible for ensuring you have the authority to do so and for allowing us to use it in accordance with this Privacy Policy.

Privacy and Data Sharing

We do not and will never sell your personal information to third parties.

ABL may share your personal data with trusted business partners, service providers, and affiliates only as necessary to perform services such as loan origination, customer support, credit checks, data hosting, and other business functions. These parties are authorized to use your data only for these specific purposes.

We may also share basic information (e.g., name, company name, email address) with business partners for marketing or research purposes. You may opt out of this sharing by contacting us at support@myaccessloans.com.

Additionally, we may disclose your personal information:

• As required by law or legal process (e.g., subpoenas, court orders)

• When we believe in good faith that disclosure is necessary to protect rights, safety, investigate fraud, or comply with a government request

We retain your information for as long as your account is active or as necessary for legal and commercial purposes. To opt out of our communications, email us at support@myaccessloans.com.

Security of Information

Access Business Loans takes the security of your personal and business data seriously. Your information is transmitted securely using encryption over the Transport Layer Security (TLS) protocol to ensure a secure connection between your browser and our servers.