Privacy Policy

1. Introduction

BC-Consulting USA ("Company," "we," "our," or "us"), a direct business lender located at 47 Evergreen Way, Loch Sheldrake, NY 12759 (EIN: 333945062), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at bcconsulting-usa.com, contact us, or engage with our business funding services.

Please read this Privacy Policy carefully. By using our website or services, you agree to the practices described in this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our website.

2. Information We Collect

Information You Provide Directly

We collect information you voluntarily provide when you:

• Complete our contact or funding application form
• Send us an email or other communication
• Request information about our services
• Opt in to receive SMS/text message communications

This information may include: your name, email address, business name, business type, time in business, monthly revenue, funding amount requested, and any other details you choose to share.

Automatically Collected Information

When you visit our website, we may automatically collect certain technical information, including:

• IP address and general geographic location
• Browser type and version
• Device type and operating system
• Pages visited and time spent on each page
• Referring URL

3. How We Use Your Information

We use the information we collect to:

• Process and respond to your funding application or inquiry
• Provide, operate, and improve our business funding services
• Communicate with you about your application status, products, and services
• Send SMS/text messages when you have expressly consented to receive them
• Send promotional and informational communications (with appropriate consent)
• Comply with legal and regulatory obligations
• Protect against fraudulent, unauthorized, or illegal activity
• Analyze usage trends to improve our website and services

4. SMS & Text Message Communications

Program Description

BC-Consulting USA's SMS messaging program is designed to keep opted-in subscribers informed about our business funding services, special offers, application updates, and relevant financial information. Messages may include information about working capital loans, equipment financing, revenue-based financing, and other business funding solutions we offer.

Message Frequency & Rates

• Message frequency varies; you may receive up to 4 messages per month.
• Message and data rates may apply. Standard carrier messaging and data rates apply based on your mobile plan.

How to Opt Out

Reply STOP to opt out at any time. After receiving your STOP request, we will send you a one-time confirmation message confirming your opt-out. You will receive no further SMS messages unless you re-subscribe.

How to Get Help

Reply HELP for assistance. You may also contact us directly at mark@bcconsulting-usa.com for help with the SMS program.

SMS Opt-In Data & Third-Party Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Supported Carriers

Our SMS program is supported by major U.S. carriers. Carrier support may vary. BC-Consulting USA is not responsible for delayed or undelivered messages due to carrier issues.

5. Information Sharing & Disclosure

BC-Consulting USA respects your privacy and does not sell your personal information. We may share your information only in the following limited circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in operating our website, conducting our business, or servicing you — provided those parties agree to keep your information confidential and use it only for the purposes we specify.

Legal Requirements

We may disclose your information if required to do so by law or in response to valid legal requests (such as a court order or government inquiry), or to protect our rights, property, or the safety of our users or others.

Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email or a prominent notice on our website of any change in ownership or use of your personal information.

No Sale of Personal Information

We do not sell, trade, rent, or otherwise transfer your personal information to outside parties for their marketing purposes.

SMS Data — No Third-Party Sharing

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

6. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

If you have reason to believe that your interaction with us is no longer secure, please contact us immediately at mark@bcconsulting-usa.com.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, to comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we securely delete or anonymize it.

8. Your Rights & Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct inaccurate or incomplete information.
• Deletion: Request that we delete your personal information, subject to applicable legal requirements.
• Opt-Out of SMS: Reply STOP to any SMS message to opt out of our text messaging program at any time.
• Opt-Out of Marketing: Contact us to opt out of marketing communications.

To exercise any of these rights, please contact us at mark@bcconsulting-usa.com or write to us at 47 Evergreen Way, Loch Sheldrake, NY 12759.

9. Cookies & Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience. Cookies are small files stored on your device that help us remember your preferences and understand how you interact with our site.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, some portions of our website may not function properly.

10. Children's Privacy

Our website and services are intended for business owners and are not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected such information, we will promptly delete it.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically.

Your continued use of our website or services after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

For SMS opt-out requests, reply STOP to any text message you receive from us. For assistance, reply HELP or email us at the address above.