Privacy Policy | AI My Advance

1. Who we are

AI My Advance (“AI My Advance,” “we,” “our,” or “us”) provides an intelligent operating system for funders, syndicators, ISOs, lenders, underwriters, and merchants to manage underwriting, collections, and portfolio performance.

This Privacy Policy describes how we handle information when you visit aimyadvance.com, use our portals (including funder, syndicator, ISO, and merchant portals), or otherwise interact with us.

2. Scope of this policy

This Privacy Policy applies to:

Visitors to our marketing site at aimyadvance.com and related landing pages;
Users of our web application and portals (including funder, syndicator, ISO, merchant, and internal admin users);
Individuals who communicate with us by email, phone, or other channels;
Prospective customers and business partners whose information we process in connection with our services.

It does not apply to information we process purely as a service provider or processor on behalf of our institutional customers under separate data processing or service agreements. In those cases, our customers’ privacy notices govern.

3. Information we collect

We collect information in three main ways: (a) information you provide directly, (b) information collected automatically, and (c) information from third parties and integrations.

(a) Information you provide to us

Account and profile information, such as name, business email, phone number, company name, role, and login credentials.
Merchant and deal information you or your organization input into the platform, including merchant contact details, funding applications, underwriting notes, repayment schedules, and portfolio data.
Support and communication information, such as messages you send via forms, email, or phone, and records of your requests and our responses.
Demo and onboarding information, including details you provide when booking demos, trials, or participating in training sessions.

(b) Information collected automatically

Usage data, such as pages viewed, features used, time spent in the application, referring URLs, and clickstream data.
Device and log data, including IP address, browser type, operating system, device identifiers, and access timestamps.
Security and audit logs, such as login attempts, changes to records, and administrative actions taken in the system.

(c) Information from third parties

Data from integrations with ACH processors, bank data providers, credit bureaus, accounting platforms, and other third-party services you connect to AI My Advance.
Business contact data from partners, referrals, and publicly available sources in the course of business development.

4. How we use information

We use the information we collect for the following purposes:

To provide and operate the platform, including onboarding users, managing accounts, processing transactions, and displaying portfolio data.
To support underwriting and risk analysis by enabling you and your team to view merchant data, repayment performance, and predictive insights.
To communicate with you about your account, security alerts, product updates, system changes, and service-related announcements.
To improve and develop our products by analyzing usage patterns, performance, and feedback to refine features and user experience.
To secure our services, including detecting and preventing fraud, abuse, unauthorized access, and other harmful activity.
To comply with legal obligations and respond to lawful requests, regulatory requirements, and dispute resolution processes.
To conduct business operations, such as billing, account management, and customer relationship management.

5. Legal bases for processing

Where required by applicable law, we rely on one or more of the following legal bases to process personal information:

Performance of a contract with you or your organization;
Our legitimate interests in providing and improving the platform, securing our systems, and supporting our business operations;
Compliance with legal obligations, including financial, regulatory, and audit requirements;
Your consent, where we expressly request it for specific purposes (such as certain marketing communications, where required).

6. How we share information

We do not sell personal information. We may share information in the following limited circumstances:

With your organization and authorized users in accordance with your account settings and user roles.
With service providers that help us operate the platform, such as hosting providers, analytics tools, communication tools, and security vendors. These providers are contractually obligated to use information only to provide services to us.
With third-party integrations you or your organization choose to connect, including ACH processors, bank data providers, and credit bureaus. In those cases, data sharing is governed by your agreements with those third parties.
For business transfers, in connection with a merger, acquisition, financing, or sale of all or a portion of our business, subject to appropriate confidentiality protections.
For legal reasons, when we believe in good faith that disclosure is necessary to comply with law, enforce our agreements, protect our rights, or protect users or the public from harm.

7. Data retention

We retain information for as long as it is reasonably necessary to provide the services, support our business operations, comply with legal obligations, resolve disputes, and enforce agreements.

Retention periods may vary depending on the type of data, the nature of your relationship with us, and applicable regulatory requirements (including financial and record‑keeping obligations).

8. Security

We use administrative, technical, and physical safeguards designed to protect information against accidental or unlawful destruction, loss, alteration, unauthorized access, or disclosure.

These measures include role‑based access controls, audit logging, encryption in transit, two‑factor authentication options, and vendor due diligence. No system can be guaranteed to be 100% secure, but we continually review and enhance our security practices.

9. Your choices and rights

Depending on your location and applicable law, you may have certain rights regarding your personal information, such as the right to:

Access a copy of personal information we hold about you;
Request correction of inaccurate or incomplete information;
Request deletion of certain information, subject to legal and contractual restrictions;
Object to or restrict certain processing activities;
Withdraw consent where processing is based on consent.

Many aspects of your information are managed by your organization as the account owner. Where your request relates to data controlled by your organization, we may direct you to contact your administrator.

10. International transfers

AI My Advance is operated from the United States. If you access the platform from outside the United States, information may be transferred to, stored in, and processed in the United States or other jurisdictions that may have different data protection laws than your home jurisdiction.

Where required, we implement safeguards to help protect information in connection with such transfers.

11. Cookies and similar technologies

We may use cookies and similar technologies to operate our site, remember your preferences, enhance performance, and understand how visitors use our pages.

You can typically control cookies through your browser settings. Disabling certain cookies may affect site functionality.

12. Children’s privacy

Our services are intended for use by businesses and professionals, not children. We do not knowingly collect personal information from children under 13, and we do not market to them. If you believe a child has provided us information, please contact us so we can take appropriate steps.

13. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements. When we make material changes, we will update the “Effective date” at the top of this page and, where appropriate, provide additional notice (such as in‑app notifications or email).

14. How to contact us

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

AI My Advance
40 Wall Street Suite 3100
New York, NY 10005
Email: [email protected]
Phone: (929) 216-5491