Privacy Policy

Last Updated: July 24, 2026

This Privacy Policy describes how ClearMCA Inc., doing business as ClearMCA (“ClearMCA,” “we,” “us,” or “our”), collects, uses, discloses, and protects information obtained through our website, forms, communications, and services.

This Privacy Policy applies to information collected through clearmca.com, ClearMCA-operated forms, telephone calls, text messages, emails, online chat, document-upload portals, and other interactions with ClearMCA.

By using our website or voluntarily providing information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

Depending on how you interact with ClearMCA, we may collect the following categories of information.

A. Contact and Business Information

We may collect:

  • Your name;
  • Business name;
  • Business address;
  • Email address;
  • Telephone number;
  • Job title or relationship to the business;
  • Preferred method of communication; and
  • Information contained in your inquiry or application.

B. Commercial-Financing and Application Information

When you request information, submit an application, or seek a commercial-financing transaction, we may collect:

  • Business-formation and ownership information;
  • Employer Identification Number or other tax-identification information;
  • Business revenue and sales information;
  • Requested funding amount and intended use of proceeds;
  • Bank statements and transaction histories;
  • Account balances and deposit information;
  • Existing financing obligations;
  • Processing statements;
  • Accounts-receivable information;
  • Commercial contracts;
  • Government-issued identification;
  • Ownership percentages;
  • Information concerning owners, guarantors, authorized representatives, or control persons;
  • Credit-related information or reports, where authorized and applicable; and
  • Other documents or information reasonably necessary to evaluate, arrange, fund, administer, or service a requested commercial transaction.

Please use only the secure document-upload method provided by ClearMCA when submitting bank statements, identification, financial records, or other sensitive documents.

C. Communications

We may collect information contained in:

  • Website forms;
  • Emails;
  • Text messages;
  • Online chat messages;
  • Appointment requests;
  • Customer-service communications;
  • Telephone calls and voicemails; and
  • Call recordings, where recording is permitted and any legally required notice or consent has been provided.

D. Website and Device Information

When you visit our website, we or our service providers may automatically collect:

  • Internet Protocol address;
  • Browser type;
  • Device type;
  • Operating system;
  • Referring website;
  • Pages visited;
  • Date and time of access;
  • Approximate location derived from an Internet Protocol address;
  • Website interactions; and
  • Cookie, analytics, and advertising identifiers.

2. Sources of Information

We may obtain information:

  • Directly from you;
  • From your business or its authorized representatives;
  • From documents you submit;
  • From service providers assisting with identity verification, fraud prevention, underwriting, communications, analytics, or document processing;
  • From commercial-financing parties involved in evaluating or servicing your requested transaction;
  • From credit-reporting or business-information services, where permitted and authorized; and
  • From publicly available business and government records.

3. How We Use Information

We may use information to:

  • Respond to your inquiries;
  • Evaluate a commercial-financing application;
  • Verify identity, business ownership, revenue, and eligibility;
  • Conduct underwriting, fraud prevention, compliance, and risk review;
  • Request additional documents or information;
  • Arrange, facilitate, fund, administer, or service a requested transaction;
  • Communicate application, underwriting, or funding status;
  • Schedule and confirm appointments;
  • Provide account, remittance, reconciliation, payment, and customer-service communications;
  • Maintain business and transaction records;
  • Operate, secure, and improve our website and services;
  • Analyze website use and advertising performance;
  • Protect against fraud, misuse, unauthorized activity, and security threats;
  • Enforce our agreements and protect our legal rights;
  • Comply with legal, regulatory, tax, accounting, and reporting requirements; and
  • Perform other purposes disclosed when the information is collected or with your consent.

Submission of an inquiry or application does not guarantee approval, an offer, or funding.

4. How We Disclose Information

We may disclose information in the following circumstances.

A. Service Providers

We may disclose information to companies that perform services for us, including:

  • Website hosting;
  • Customer-relationship management;
  • Cloud storage;
  • Secure document collection;
  • Communications and text-message delivery;
  • Identity verification;
  • Fraud prevention;
  • Data analytics;
  • Information technology;
  • Cybersecurity;
  • Payment processing;
  • Accounting; and
  • Professional consulting.

These providers are permitted to use information only as necessary to perform services for ClearMCA or as otherwise permitted by law.

B. Commercial-Financing Parties

To evaluate, arrange, fund, administer, or service a transaction requested by you, we may disclose relevant application and business information to funding sources, underwriting participants, processors, servicing providers, payment providers, or other parties directly involved in the requested commercial transaction.

ClearMCA does not disclose application information to unrelated third parties for their independent marketing merely because you submitted an inquiry or application.

C. Professional Advisers

We may disclose information to attorneys, accountants, auditors, insurers, consultants, and other professional advisers when reasonably necessary.

D. Legal and Protective Purposes

We may disclose information when reasonably necessary to:

  • Comply with applicable law, legal process, subpoena, court order, or governmental request;
  • Investigate fraud, security incidents, or suspected unlawful activity;
  • Enforce our agreements;
  • Protect ClearMCA’s rights, property, operations, or safety; or
  • Protect the rights, property, or safety of another person.

E. Business Transactions

Information may be disclosed in connection with a proposed or completed merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to applicable legal requirements.

F. At Your Direction

We may disclose information when you direct or authorize us to do so.

5. Text Messaging Privacy and Consent

ClearMCA may offer text-message communications concerning:

  • Responses to inquiries;
  • Appointment scheduling and reminders;
  • Application and intake communications;
  • Requests for documents or information;
  • Underwriting and application-status updates;
  • Funding-status notifications;
  • Account, remittance, reconciliation, payment, and servicing communications; and
  • Customer-service responses.

You will be enrolled in a ClearMCA text-messaging program only after providing the applicable affirmative consent. Merely entering a telephone number, without completing the required consent process, does not by itself authorize marketing text messages.

Mobile Information and Consent

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

We may provide mobile information to subcontractors and service providers solely as necessary to support customer service, operate our communications systems, and deliver requested text messages.

All other disclosures described in this Privacy Policy exclude text-message opt-in data and consent. SMS enrollment information and consent records will not be sold, rented, or disclosed to third parties, affiliates, lead generators, or other businesses for their own marketing or promotional purposes.

ClearMCA may provide opt-in information to wireless carriers, messaging aggregators, platform providers, and communications vendors solely as necessary to operate and document the messaging program.

Message Frequency and Charges

Message frequency varies according to your inquiry, application, transaction, account activity, and communications with ClearMCA.

Message and data rates may apply according to your wireless carrier and service plan.

Opting Out

You may stop text messages at any time by replying STOP.

After receiving a STOP request, ClearMCA may send one final message confirming that you have been unsubscribed. You will receive no additional text messages through that program unless you later provide renewed consent.

Assistance

Reply HELP for assistance.

You may also contact ClearMCA at:

  • Email: info@clearmca.com
  • Mail: 485 Madison Ave Fl 7, New York, NY 10022
  • Telephone: (212) 812-4426

Consent to receive marketing text messages is not required as a condition of submitting an application, receiving an underwriting review, or obtaining ClearMCA’s services.

Do not send complete bank-account numbers, Social Security numbers, passwords, full payment-card numbers, or other highly sensitive information through text messages.

Additional text-messaging terms are available in our Terms and Conditions at:

https://clearmca.com/terms-and-conditions/

6. Email Communications

You may unsubscribe from promotional email communications by following the unsubscribe instructions contained in the email.

Even after you unsubscribe from promotional communications, ClearMCA may continue sending non-promotional messages concerning an existing inquiry, application, requested transaction, account, legal notice, security matter, or customer-service request.

7. Cookies and Similar Technologies

ClearMCA and its service providers may use cookies and similar technologies to:

  • Operate the website;
  • Remember preferences;
  • Understand website traffic and use;
  • Diagnose technical problems;
  • Improve website performance;
  • Measure advertising effectiveness; and
  • Protect the website against fraud or misuse.

You may adjust your browser settings to reject or delete cookies. Disabling cookies may prevent certain website features from operating properly.

Where required, ClearMCA will provide additional choices concerning analytics or advertising technologies.

8. Data Retention

We retain information for as long as reasonably necessary to:

  • Respond to inquiries;
  • Evaluate and service applications or transactions;
  • Maintain business and transaction records;
  • Satisfy legal, accounting, regulatory, contractual, and reporting obligations;
  • Resolve disputes;
  • Prevent fraud;
  • Enforce agreements; and
  • Protect our legal rights.

Retention periods vary according to the type of information, the purpose for which it was collected, and applicable legal requirements.

When information is no longer reasonably required, we may delete, anonymize, or securely dispose of it, subject to backup, archival, legal-hold, and recordkeeping requirements.

9. Data Security

ClearMCA uses reasonable administrative, technical, and physical safeguards designed to protect information against unauthorized access, acquisition, loss, misuse, alteration, and disclosure.

No website, transmission method, storage system, or security measure can guarantee absolute security. You should use secure transmission methods and follow ClearMCA’s instructions when submitting sensitive financial documents.

If you believe information submitted to ClearMCA has been compromised, contact us promptly at info@clearmca.com.

10. Your Privacy Choices and Rights

Depending on where you reside and the applicable law, you may have the right to request that ClearMCA:

  • Confirm whether we process your personal information;
  • Provide access to certain personal information;
  • Correct inaccurate information;
  • Delete certain information;
  • Provide a portable copy of certain information;
  • Identify categories of information collected or disclosed;
  • Opt you out of certain targeted advertising, sales, or sharing;
  • Limit certain uses of sensitive information; or
  • Review an appeal concerning a denied privacy request.

These rights may be subject to exceptions, including obligations relating to transaction records, fraud prevention, legal compliance, litigation, security, and contractual enforcement.

We may need to verify your identity and authority before completing a request. ClearMCA will not unlawfully discriminate against you for exercising an applicable privacy right.

To submit a request, contact:

Email: info@clearmca.com
Telephone: (212) 812-4426
Mail: ClearMCA Inc., 485 Madison Avenue, Floor 7, New York, New York 10022

Please describe the request and provide sufficient information for us to locate the relevant records and verify your identity.

11. Information Concerning Other Individuals

When you provide information concerning another owner, officer, employee, guarantor, authorized representative, or other person, you represent that you are authorized to provide that information for the purposes described in this Privacy Policy.

12. Children’s Privacy

ClearMCA’s website and services are intended for businesses and adults. They are not directed to children under 13, and ClearMCA does not knowingly collect personal information from children under 13.

13. Third-Party Websites

Our website may contain links to websites or services operated by third parties. ClearMCA does not control those third parties and is not responsible for their privacy, security, or information-handling practices.

Review the privacy policy of any third-party website before providing information to it.

14. Changes to This Privacy Policy

ClearMCA may update this Privacy Policy periodically. When changes are made, the revised policy will be posted on this page with an updated “Last Updated” date.

Material changes will be communicated as required by applicable law.

15. Contact ClearMCA

Questions or requests concerning this Privacy Policy may be directed to:

ClearMCA Inc.
485 Madison Avenue, Floor 7
New York, New York 10022

Email: info@clearmca.com
Telephone or text: (212) 812-4426
Website: https://clearmca.com