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Our website address is: MyMerchantLoans.com

MyMerchantLoans.com (the “Website”) is operated by Teapot Media, LLC (hereinafter referred to as “My Merchant Loans,” “us,” “we,” and “our”). AS A CONDITION OF YOUR CONTINUED USE OF THIS WEBSITE YOU AGREE TO THE FOLLOWING PRIVACY POLICY. YOUR USE OF THE WEBSITE CONSTITUES BINDING ACCEPTANCE OF THIS PRIVACY POLICY. This Privacy Notice is effective as of August 25, 2021.

Our Privacy Policy explains how we gather your personal and company data, how we handle and protect this data, and what further steps you can take to protect your data. We may change this Privacy Policy from time to time and in our sole discretion, to accurately reflect how we gather and manage your data. All changes to this Privacy Policy will be effective upon posting to the Website without any other notice to you. YOUR CONTINUED USE OF THE WEBSITE FOLLOWING OUR POSTING OF A CHANGE NOTICE WILL CONSTITUTE BINDING ACCEPTANCE OF THOSE CHANGES.

Some affiliates of My Merchant Loans have their own websites with their own unique privacy statements, tailored to the services that they provide. We encourage you to read those privacy statements carefully when you visit those affiliate sites.

What Information We Collect, and Why

You may browse the Website without submitting any personally identifiable information (“personal information”) at all. The kinds of information we collect from you will vary, depending on how you use the Website. In order to process your funding application, we will collect some standard information such as your funding needs, name, business name, industry type, e-mail address, mailing address, credit card number, and telephone number. In addition, we will collect additional information such as length of time in business, average monthly sales, and personal credit score range, based upon the information you provide in the funding application. For the purpose of forming your corporation or Limited Liability Company (LLC), we will collect the following information: the name you want your business entity to have, a brief description of the purpose of your business, the name and address of your designated registered agent, the name and address of the directors and officers of your corporation or members or managers for an LLC, and to the extent applicable, how many shares of stock your corporation will be authorized to issue and the par value of such stock.

My Merchant Loans may contact you via any method you provide to us, including, but not limited to, email, telephone, mail, or text message. By providing your contact information, including telephone or mobile number and/or email address, you are providing your affirmative consent to receive commercial emails, telephone calls, and other communications from us. Further, by providing your telephone or mobile number to us, you agree to be contacted by or on behalf of My Merchant Loans at the telephone or mobile number provided, through autodialed and/or pre-recorded calls, and/or texts (including SMS and MMS), even if you are on a corporate, state, or national Do Not Call list. You understand that your consent is not a condition of receiving any loan funding services.

How We Protect and Use Your Personal Information

To protect your personal and credit card information from unauthorized access, all information exchanged between our servers and your web browser is encrypted using Secure Sockets Layer (SSL) technology and is accessible only by designated staff. All of our employees are made aware of our confidentiality of client information policy on a regular basis and must acknowledge that they have received and read the same. We also secure the infrastructure that supports information collection, exchange, and storage/retrieval at the following levels. We use firewalls to secure the perimeter of our information network and monitor our systems
Service Representatives are available Monday – Friday: 8AM to 5PM, PST. If you wish for your contact information not to be shared with outside parties, or if you would rather not receive any updates from us, please send a request to admin@mymerchantloans.com

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Important Disclosure. Please Read Carefully.
MyMerchantLoans is not a lender and does not make credit decisions. MyMerchantLoans.com connects interested persons with a lender from its network of approved lenders. MyMerchantLoans.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. The time to receive loan proceeds varies among lenders, and in some circumstances faxing of application materials and other documents may be required. Submitting your information online does not guarantee that you will be approved for a loan. You may exit the process at any step as you are under no obligation to accept the loan presented. For details on your loan please contact your lender directly. This service is not available in all states. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use the service to request a loan. By using this website or services, you represent and warrant that you are at least 18 years old, that you are a resident of the United States, and that you are not a resident of any state where the loan you are applying for is illegal. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. MyMerchantLoans.com does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to MyMerchantLoans.com, you are giving lenders in MyMerchantLoans.com’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus as well as from alternative credit bureaus such as Teletrack or DP Bureau. MyMerchantLoans.com receives compensation from its lenders based on advertising services. MyMerchantLoans.com is a free service and will never charge a fee to be connected to a lender.
Representative Example
If you borrow $5,000 and the loan had an 8% origination fee ($400), on a 48 month repayment term at a 19.25% APR, the monthly repayment will be $134.16. Total repayment will be $6,439.50. Total interest paid will be $1,039.50.
Important Information
MyMerchantLoans.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process. The lenders and lending partners we work with offer 61-day to 84-month loan terms with an APR range of 5.99% to 35.99% depending on how the APR is calculated, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. Some states cap APR and the amounts of charges for an online personal loan. Loan terms may range from 2 weeks to 84 months depending on your loan and the lender you are connected with.
Implications of Late and Non Payment
Your lender may charge you late fees as well as fees for non-sufficient funds. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature. Non-payment may involve debt collection practices as it is set by applicable law. Your lender may set late payment fees in accordance with state regulations. Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history. Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installment. You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.