How MercResolution collects, uses, and protects your personal and business information.
MercResolution ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our commercial debt optimization and debt resolution services, interact with our AI chat assistant, or otherwise communicate with us. MercResolution provides services exclusively to businesses and business owners regarding commercial (business) debt; we do not offer services for consumer or personal debts.
Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the site or use our services. This Policy is provided in English, and the English version is legally binding; any translation is provided for convenience only.
We may collect personally identifiable information that you voluntarily provide to us when you:
This information may include: name, business name, job title or role, email address, phone number, mailing address, financial information related to your debt situation, and any other information you choose to provide.
To evaluate your business's debt situation and provide our services, you may provide — or authorize us to review — sensitive business and financial records, such as bank statements, revenue and receivables information, financing agreements, merchant cash advance contracts, creditor statements, and schedules of debt obligations. We use this information solely to evaluate and service your matter, restrict access to it to personnel and providers who need it for that purpose, and handle it as described in this Policy. Please provide sensitive records only through the secure channels we designate, and not through the AI chat or other unsecured channels.
If you interact with our automated AI chat assistant ("Stephanie"), we collect and retain the contents of those conversations. We use chat transcripts to respond to you, to route and follow up on inquiries, to train and improve the assistant and our services, and for quality, security, and compliance purposes. Chat transcripts may be reviewed by our team. Please do not submit highly sensitive information — such as bank account numbers, Social Security numbers, or passwords — through the chat.
We may receive information about businesses and business owners from third-party sources, such as lead generation and referral partners, commercial business-data providers, and publicly available business records. We may combine this information with information you provide. We use it to respond to referrals, to evaluate whether our services may be relevant to your business, and to communicate with you as described in this Policy. If you received a communication from us based on information from a third-party source and you prefer not to hear from us, you may opt out at any time using the methods described in Section 5.
When you visit our website, we may automatically collect certain information about your device and your visit, including your web browser type, IP address, time zone, pages viewed, links clicked, access times, and referring URLs, as well as information about the cookies installed on your device. We collect this information through the cookies and similar technologies described in Section 3.
Our website uses cookies and similar tracking technologies. The categories we use are:
When you first visit the website, a cookie-consent banner allows you to accept or manage non-essential cookies. You may change your preferences at any time through the consent tool where available, and you can control or delete cookies through your browser settings. If you block essential cookies, parts of the website may not function properly.
Do Not Track: Some browsers transmit "Do Not Track" signals. Because there is no uniform industry standard for responding to these signals, our website does not currently respond to Do Not Track browser settings.
We use the information we collect or receive:
If you provide your telephone number or email address, we may contact you about your inquiry, your account, and our services, as described in our Terms and Conditions. Where required by law, we send marketing communications only with your consent.
You may opt out of these communications at any time: reply STOP to any text message to end text messages (reply HELP for help); use the unsubscribe link in any marketing email; or contact us directly using the information in Section 16. Message frequency varies; message and data rates may apply. Opting out of marketing will not affect transactional or service-related communications about an active engagement.
We do not sell or share your mobile phone number or text-messaging opt-in data and consent with third parties or affiliates for their own marketing or promotional purposes.
We may share your information in the following situations:
We do not sell your personal information, and we do not share it for cross-context behavioral advertising. Because we do not sell or share personal information in these ways, there is no sale or sharing for you to opt out of. If our practices change, we will update this Privacy Policy and provide any opt-out mechanism required by law before the change takes effect.
We implement appropriate technical and organizational security measures designed to protect your personal information, including access controls and the use of secure channels for sensitive financial records. However, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.
We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. In determining retention periods, we consider the nature of the information, the purposes for which it was collected, our ongoing relationship with you, and our legal, accounting, and dispute-resolution obligations. We will retain and use your information to comply with our legal obligations, resolve disputes, and enforce our agreements.
We maintain incident-response procedures designed to identify, contain, and remediate security incidents. If a breach of your personal information occurs that triggers a notification obligation under applicable law, we will notify affected individuals and regulators as and when required by that law.
Depending on your location, you may have certain rights regarding your personal information:
To exercise any of these rights, please contact us using the information provided in Section 16. We may need to verify your identity — and, for requests submitted on behalf of a business, your authority — before acting on your request. Where permitted by law, you may use an authorized agent to submit a request, subject to verification of the agent's authority. If we deny your request, you may appeal by replying to our response with "Privacy Appeal" in the subject line; if your appeal is denied, you may have the right to contact your state attorney general.
If you are a California resident, you have specific rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA), including: the right to know the categories and specific pieces of personal information we have collected about you; the right to request deletion and correction of your personal information; the right to opt out of the sale or sharing of personal information (we do not sell or share personal information); the right to limit the use and disclosure of sensitive personal information (we use such information only as necessary to provide our services); and the right not to be discriminated against for exercising any of these rights. You may exercise these rights yourself or through an authorized agent by contacting us as described in Section 16.
Residents of states with comprehensive privacy laws — including Texas under the Texas Data Privacy and Security Act (TDPSA) — may have rights similar to those described above, such as the rights to access, correct, delete, and obtain a portable copy of personal data, and to opt out of targeted advertising, the sale of personal data, or certain profiling. Please note that some of these laws, including the TDPSA, protect individuals acting in a personal or household context and do not cover individuals acting in a commercial or employment context; because our services are business-to-business, some of these laws may not apply to information you provide in your capacity as a business representative. Where a law applies to your information, we honor the rights it provides. To exercise any right, or to appeal a decision on a request, contact us as described in Section 16.
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us immediately.
Our website and services are intended for users located in the United States, and our services are offered only to U.S. businesses. If you access the website from outside the United States, you understand that your information will be transferred to, stored, and processed in the United States, where privacy laws may differ from those of your jurisdiction.
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
If you have questions or concerns about this Privacy Policy or our privacy practices, or to exercise any privacy right, please contact us:
MercResolution
24 Greenway Plaza, Suite 1800L
Houston, TX 77046
Email: info@MercResolution.com
Phone: (830) 587-5010
By using our website and services, you consent to our Privacy Policy and agree to its terms.