Merit Capital Advance Privacy Policy


This Policy was last updated on September 26, 2007.


1.       Introduction


Merit Capital Advance is committed to protecting your privacy.  This Privacy Statement sets forth our current privacy practices with regard to the information we collect when you interact with us


2.       Information We Collect


Merit Capital Advance collects certain information from and about its customers and website users in three ways, as further described below — directly from you, webserver logs and cookies from our website.


a.       Information you provide to us.


Information you provide to us, including the following types of information:


    information we receive from you on applications or other forms, including consumer reports you authorize us to obtain;


    information about your transactions with us;


    information you provide voluntarily, either by phone or in person, to our employees assisting with an issue; and


    information you provide voluntarily online in response to a survey or information request.



b.       Web Server Logs.


When you visit our website, we may track information to administer the site and analyze its usage.  Examples of information we may track include the following types of information:


    your Internet protocol address;


    the kind of browser or computer you use;


    number of links you click within our website;


    state or country from which you accessed the website;


    date and time of your visit;


    name of your Internet service provider;


    web page from which you linked to our website; and


    pages you viewed on our website.


c.       Use of Cookies


We may use “cookies.”  A “cookie” is a small text file that is placed on your hard disk by a Web page server.  Cookies cannot be used to run programs or deliver viruses to your computer.  Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. 


One of the primary purposes of cookies is to provide a convenience feature to save you time.  For example, if you personalize a web page, or navigate within a site, a cookie helps the site to recall your specific information on subsequent visits.  Hence, this simplifies the process of delivering relevant content and eases site navigation by providing and saving your preferences and login information as well as providing personalized functionality. 


Merit Capital Advance reserves the right to share aggregated website statistics with certain third-party companies, but we do not allow other companies to place cookies on our website.  You have the ability to accept or decline cookies.  Most Web browsers automatically accept cookies, but you can usually modify your browser's settings to decline cookies.  If you reject cookies by changing your browser settings then be aware that this may disable functionality of certain websites including ours.



3.       Disclosure of nonpublic personal information to third parties


*       We do not disclose any nonpublic personal information about you to anyone, except as permitted by law or as described below.  Nonpublic personal information includes your name, address, Social Security number or other information provided to us on an application, form or our website, as well as any account numbers, payment history, balances, or information from a consumer report that you authorize us to obtain.  Without permission, we do not disclose to third parties information that we collect if it identifies you personally.  However, we are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances.  For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your account with us or to government entities in response to subpoenas.  If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this statement.


4.       Disclosure of nonpublic personal information to affiliates


We may disclosure nonpublic personal information about you to our affiliates that provide services on our behalf.  We also may provide information to affiliates that may offer products and services that we think you may be interested in.  If you do not want us to share information to our affiliates for purposes of marketing products and services you may opt-out of such information sharing, by contacting us at:, via telephone at 866-419-0649 or sending your request to:


Merit Capital Advance

Attention:  Privacy Statement Personal

One Commerce Square
2005 Market Street, 14th Floor
Philadelphia, PA 19103



5.       Confidentiality and security


We restrict access to nonpublic personal information about you to only those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.


6.       Changes to this Statement


Merit Capital Advance has the discretion to occasionally update this privacy statement.  When we do, we will also revise the “updated” date at the top of this privacy statement.  We encourage you to periodically review this privacy statement to stay informed about how we are helping to protect the personal information we collect.  Your continued use of the service constitutes your agreement to this privacy statement and any updates.


7.       Contacting Us


If you have questions regarding our Privacy Policy, its implementation and/or our general practices, please contact us via www. or send your comments to:


Merit Capital Advance LLC

Attention:  Privacy Statement Personal

One Commerce Square
2005 Market Street
14th Floor
Philadelphia, PA 19103