“Last Updated” December 30, 2025
Merchant Bloom, LLC
54 State Street, Suite 804 #15109, Albany, NY 12207
info@merchantbloom.com | +1 (518) 217-5640
Merchant Bloom respects your privacy. This Privacy Policy explains what information we. collect, how we use it, with whom we share it, and the rights available to you. This Policy applies to all visitors, applicants, merchants, partners, and any person using our website or applying for financing.
1. INFORMATION WE COLLECT
A. Information You Provide Directly
When you complete an application, contact us, or submit documents, we collect:
- Legal business name, DBA, EIN, entity type
- Owner information (name, address, phone, email)
- Government-issued identification
- Social Security Number (SSN)
- Date of Birth (DOB)
- Bank account tokens or statements
- Bank statements or bank connection tokens
- Business financials
- Tax returns (if provided)
- Signed agreements and authorizations
B. Automatic Information Collected
We automatically collect:
- Device identifiers and IP address
- Browser information
- Pages visited, time on page, referral source
- We use cookies to operate the website and track anonymous usage.
- Types: Essential (required) and Analytics (usage trends).
- Cookies can be disabled via browser settings; some features may not function.
- We do not use your data for targeted advertising without explicit consent.
- You may disable cookies via your browser settings, though some website features may not function.
- We do not track your activity for advertising purposes.
C. Information From Third Parties
With your authorization, we may receive information from:
- Banking partners (Plaid-powered, secure API access with your consent)
- Credit bureaus and POS platforms may provide information as necessary for underwriting and verification purposes.
We ensure all third-party providers follow strict security and privacy standards. - Public records
- Trade references
- Processors and POS systems you authorize
- All third-party providers follow strict security and privacy standards
2. HOW WE USE YOUR INFORMATION
We use your information to:
- Evaluate your eligibility for financing
- Detect fraud and verify identity
- Underwrite, price, and structure funding offers
- Communicate with you regarding your application
- Comply with federal, state, and industry regulations
- Improve the performance, security, and functionality of our website
- Maintain records of transactions and communications
- Share offers or updates with your consent
3. HOW WE SHARE INFORMATION
We do not sell or lease your personal information.
We may share information with:
- Funding partners to evaluate your application
- Credit bureaus (as allowed by law)
- Service providers assisting in underwriting, verification, analytics, or secure data transmission.
- Legal authorities, if required by law or court order
- Successor entities in the event of a merger, acquisition, or asset transfer
- Your authorized representatives
All partners are required to maintain confidentiality and security standards consistent with this Policy.
4. BANK VERIFICATION & CREDIT AUTHORIZATION
When you apply, you authorize:
- Secure access to business bank account history
- Credit checks (business and /or personal)
- Contacting trade references
- Contacting your bank to verify statements
Your sensitive information (DOB, SSN) is securely stored and used only for underwriting and verification purposes.
This authorization is also covered in the stand-alone “Credit & Information Authorization.”
5. DATA SECURITY
We maintain physical, electronic, and procedural safeguards designed to protect your information, including:
- Encryption in transit and at rest
- Limited access controls
- Network security monitoring
- Vendor security reviews
- Secure document storage
No system is 100% secure, but we take reasonable and industry-standard measures.
6. DATA RETENTION
We retain your information as long as necessary to:
- Comply with legal and regulatory obligations
- Maintain accurate business records
- Resolve disputes
- Improve underwriting models (in anonymized form where applicable)
7. YOUR RIGHTS
Depending on your location, you may have rights to access, correct, or delete your personal information:
- Access information we hold.
- Request corrections.
- Request deletion (subject to legal retention requirements).
- Withdraw consent for certain uses.
- New York residents: To exercise these rights, email info@merchantbloom.com. Requests will be processed within 45 days.
8. CHILDREN’S PRIVACY
Merchant Bloom does not offer services to individuals under 18.
9. CHANGES TO THIS POLICY
We may update this Policy and will post the revised date at the top.
10. CONTACT US
Merchant Bloom LLC
54 State Street, Suite 804 #15109 Albany, NY 12207
Email: info@merchantbloom.com
Phone: +1 (518) 217-5640
