Privacy Policy | M-CAL SERVICES LLC

Last Updated: April 27, 2025

This Privacy Policy describes how M-CAL SERVICES LLC ("Company," "we," "us," or "our") collects, uses, and shares information about you when you visit our website at m-calservices.com (the "Site"), communicate with us, or otherwise interact with our services.

By using our Site or services, you agree to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree, please do not use our Site or services.

1. Information We Collect

Information You Provide to Us

We may collect information you provide directly, including:

Contact Information: Full name, email address, phone number, and mailing address.
Business Information: Business name, industry, revenue, and other details related to loan applications.
Communication Data: Messages, inquiries, and feedback you submit through our contact form or email.
Consent Records: Records of your consent to receive text messages and other marketing communications.

Information Collected Automatically

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

IP address, browser type, and operating system
Pages visited, time spent on pages, and referring URLs
Device identifiers and general location data
Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect for the following purposes:

To process and evaluate lending applications
To respond to your inquiries and provide customer service
To send promotional and marketing text messages (with your consent)
To improve and optimize our website and services
To comply with legal obligations and enforce our terms
To protect against fraud and unauthorized transactions

3. Text Message (SMS) Communications

If you opt in to receive text messages from M-CAL SERVICES LLC, you consent to receive recurring promotional and marketing text messages from us. Message frequency may vary, up to 4 messages per month. Message and data rates may apply.

You may opt out of text messages at any time by replying STOP to any message. Reply HELP for assistance. Consent to receive text messages is NOT a condition of purchase of any goods or services.

We do not use an Automatic Telephone Dialing System (ATDS) to send marketing text messages. However, by opting in, you acknowledge and agree that messages may be sent using technology that qualifies as an ATDS under applicable federal and state laws, including the Telephone Consumer Protection Act (TCPA).

4. How We Share Your Information

We may share your information with:

Service Providers: Third-party companies that assist us with business operations, including payment processing, data analytics, email delivery, hosting, customer service, and marketing.
Legal Compliance: When required by law, regulation, legal process, or governmental request.
Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets.
With Your Consent: We may share information for other purposes when you provide explicit consent.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our Site. Cookies are small data files stored on your device that help us understand how you use our Site. You can control cookie settings through your browser preferences. Disabling cookies may affect the functionality of certain features.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Data Retention

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

8. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

The right to access your personal information
The right to request correction of inaccurate data
The right to request deletion of your personal information
The right to opt out of marketing communications
The right to data portability

To exercise any of these rights, please contact us at michael@m-calservices.com.

9. Third-Party Links

Our Site may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our Site after changes are posted constitutes your acceptance of the updated Privacy Policy.

12. Contact Us

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

M-CAL SERVICES LLC
1859 E 22nd St
Brooklyn, NY 11229
Email: michael@m-calservices.com