Privacy Policy

Effective Date: January 1, 2026

M&S Investment Capital ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

Submit a funding application or inquiry
Register for an account or services
Contact us via email, phone, or contact forms
Subscribe to marketing communications
Participate in surveys or promotions

Personal information may include:

Name, email address, and contact information
Business name, address, and tax identification number
Financial information (bank statements, tax returns, credit reports)
Business performance data and revenue information

Automatically Collected Information

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

IP address and browser type
Device information and operating system
Pages viewed and navigation patterns
Referral sources and time spent on our site

How We Use Your Information

We use the information we collect for the following purposes:

Loan Processing: To evaluate funding applications, conduct underwriting analysis, and process loan agreements
Communication: To respond to inquiries, provide customer support, and send service-related notifications
Marketing: To send promotional materials, newsletters, and information about our services (with your consent)
Compliance: To comply with legal obligations, prevent fraud, and maintain regulatory compliance
Website Improvement: To analyze website usage patterns and improve user experience

SMS & Text Message Communications

If you opt in to receive SMS or text messages from M&S Investment Capital, the following terms apply:

Express Consent: By providing your mobile phone number and opting in, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from M&S Investment Capital, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies. You may receive up to 4 messages per month, though actual frequency depends on your interactions with us and ongoing promotions.
Message and Data Rates: Message and data rates may apply depending on your mobile carrier's plan. Please consult your carrier for details.
Opt-Out Instructions: You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After you send STOP, we will send you a final message confirming that you have been unsubscribed.
Help Information: For assistance or more information, reply HELP to any message, or contact us at tyson@ms-investment-capital.com.
Not a Condition of Purchase: Consent to receive marketing text messages is NOT a condition of purchase or use of our lending services. You may still apply for and receive funding without opting in to SMS communications.

Information Sharing and Disclosure

Third-Party Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

Credit bureaus and financial verification services
Payment processors and banking partners
Technology providers (hosting, analytics, CRM)
Professional advisors (legal, accounting, consulting)

These service providers are contractually obligated to protect your information and use it only for the purposes for which it was disclosed.

Legal Requirements

We may disclose your information when required by law, regulation, legal process, or government request, or when we believe disclosure is necessary to:

Comply with applicable laws and regulations
Respond to subpoenas, court orders, or legal proceedings
Protect our rights, property, or safety
Prevent fraud or illegal activity

Business Transfers

In the event of a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred to the acquiring entity or successor organization.

Mobile Information Sharing Policy

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.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

Encryption of sensitive data in transit and at rest
Access controls and authentication requirements
Regular security assessments and vulnerability testing
Employee training on data protection practices

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Data Retention

We retain your personal information 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. Financial records and loan documentation may be retained for extended periods to comply with regulatory requirements.

Your Privacy Rights

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

Access: Request a copy of the personal information we hold about you
Correction: Request correction of inaccurate or incomplete information
Deletion: Request deletion of your personal information (subject to legal obligations)
Opt-Out: Opt out of marketing communications at any time
Data Portability: Request transfer of your information to another service provider

To exercise these rights, please contact us at tyson@ms-investment-capital.com.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities and improve website functionality. You can control cookie preferences through your browser settings, though disabling cookies may limit certain website features.

Third-Party Links

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

Children's Privacy

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

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes by posting the updated policy on our website with a new effective date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

Contact Information

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

M&S Investment Capital
2958 East Presidio Street
Mesa, AZ 85213
Email: tyson@ms-investment-capital.com