Our website address is https://americancapitalconsulting.com.
Last updated Dec. 16, 2021, Published Nov. 3, 2019
INTRODUCTION
American Capital Consulting (AKA ACC) (“we” or “us” or “our”) respects the privacy of our clients and users (“user” or “you”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website txremodepros.com, including any other media form, media channel, mobile website, or mobile application related or connected thereto (collectively, the “Site”). Please read this privacy policy and terms of use for our site and services carefully. If you do not agree with the terms of this privacy policy, please do not access the site.
We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the “Last Updated” date of this Privacy Policy. Any changes or modifications will be effective immediately upon posting the updated Privacy Policy on the Site, and you waive the right to receive specific notice of each such change or modification.
You are encouraged to periodically review this Privacy Policy to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised Privacy Policy by your continued use of the Site after the date such revised Terms and Conditions and Privacy Policy is posted.
BUSINESS MODEL
We are a for-profit entity and advise small business owners on loan packaging and optimizing their application process for business loans and grants. There are fees to engage with our industry experts and if you are unsure of the services we recommend you schedule a complimentary discovery call with our sales team to learn more. To qualify for our service guarantee, you must be responsive and commit to the additional management fee as described below.
American Capital Consulting uses experts to run our background reports check for grants and programs and provide recommendations. We are here to help you with your loan package to improve your chances for business funding. Once a payment or deposit is made and work is started the payment is non-refundable. Please respond to us within the required timeframe to ensure we have everything to complete your application.
To expedite your loan packaging process, we will complete your SBA and other loan and grant applications in a timely manner. You also agree to allow ACC to act as your proxy in getting background information and data to use in expediting and applying to business funding programs. sign off on all US SBA loan application certifications and agreements for disaster loans and grants as agreed.
CERTIFICATIONS
I certify my consent for American Capital Consulting (ACC) to represent me in my loan documentation and loan packaging for business funding.
Once the engagement between client and ACC starts, I hereby understand and authorize my payments in the amounts starting at $150 USD and various packages ranging through $2,500 USD plus 1.5% for filing my loan and/or grant applications as per SBA or other governing allow. I acknowledge responsibility for any additional collection fees that arise from my failure to pay the above-agreed amounts. For business expansion loans 7a, as per the “fee disclosure compensation agreement,” the payee is responsible for any contingency fee for loan funding and will be submitted to collections if the final payment is not settled within 30 days of client funding.
Payment terms
In consideration of Merchant accepting Customer’s payment, and other good and valuable consideration, Customer agrees that if any payment is returned unpaid for any reason, customer expressly authorizes Merchant or its processing agent or assignee to submit the case to collections. Fees for services and fees for collections will be charged to the client.
ACC notified me of my right to revoke this authorization in writing by contacting support@americancapitalconsulting within 48 hours or less of submitting the request or any other ongoing services before any other services are rendered. Refunds for work completed are non-refundable. I also understand ACC will keep an electronic record of my request. I may obtain a copy of this record by contacting ACC.
ACC is not liable for refunds (full or partial) for clients not meeting deadlines, requests for information, or documentation within a timely manner. ACC will remind clients via email, text, and/or phone to submit the requested information to move forward. Failure to provide ACC with requested information by reasonable deadlines will result in forfeit of the fee. A client that responds after the deadlines are not guaranteed services of any kind and can be reviewed on a case-by-case basis where additional fees might be incurred if it is responsible for ACC to reopen the case. Refunds are not granted for the following reasons:
Scheduled consultation meetings are to be paid via our booking web application prior to the meeting time or risk cancelation at the discretion of ACC. Fees are non-negotiable. Learn more about our packages here
EIDL Loan packaging fees are charged in 48 hours or less upon receiving your request for a loan and grant consulting assistance.
If you qualify for grants and other programs, we reserve the right to price additional applications accordingly and will discuss with you your options.
7a and other similar Loan packaging fees are charged in 48 hours or less upon receiving your request for a loan and grant consulting assistance.
If you qualify for grants and other programs, we reserve the right to price additional applications accordingly and will discuss with you your options.
Rates and fees are subject to change. ACC reserves the right to make these changes without notice.
Failure to process the payments in the fee schedule because of a lack of funds or insufficient funds will result in collections. Stop payment and NSF and collections fees will apply if payment is not made within 10 days. The failure to pay also creates a presumption for committing an offense, and this matter may be referred for criminal prosecution. We also have the right to proceed with reporting your debt to the credit reporting agencies where it could impact your credit rating and utilizing collection services to recoup lost funds.
Failure to make payment within 30 days after demand, the treble amount owed (three times the original amount), the amount owed, bank and court costs, reasonable attorneys’ fees (not less than $50 and no more than $2,500) will be applied to your total balance. If payment is made in 30 days, a service charge of $10 or 5% of the face amount of the check, whichever is greater, can be added. In stop payment action, reimbursement for actual travel expenses to the holder or agent for filing papers, and for traveling and providing witnesses to and from proceeding.
ACC headquarters are in Ft. Meyers, Florida. All questions concerning the construction, validity, and interpretation of this Agreement shall be governed by the law of the State of Florida. Any dispute arising out of, or concerning, this Agreement or the employment relationship between the parties, shall be resolved exclusively in a federal or state court of competent jurisdiction located in Florida. To the extent necessary, the parties hereby submit to and agree not to contest, the jurisdiction of such courts.
We may collect information about you in a variety of ways. The information we may collect on the Site includes:
PERSONAL INFORMATION USED TO COMPLETE A RISK ASSESSMENT
The information provided in this report is private. Our privacy policy, as well as terms and conditions, are outlined on our website. The risk assessment report is compliant with the Fair Credit Reporting Act (FCRA). The FCRA regulates the accuracy, fairness, and privacy of information in consumer reports, which are defined as “any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer’s creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer’s eligibility” for credit, insurance or employment purposes. Thus, the FCRA is not limited to credit reporting—it extends to criminal and civil records, civil lawsuits, reference checks, and other information obtained by a consumer reporting agency.
Personal Data
Personally identifiable information, such as your name, shipping address, email address, and telephone number, and demographic information, such as your age, gender, hometown, and interests, that you voluntarily give to us when you register with the Site or our mobile application, or when you choose to participate in various activities related to our sites such as online chat and message boards. You are under no obligation to provide us with personal information of any kind, however, your refusal to do so may prevent you from using certain features of the Site.
Derivative Data
The information our servers automatically collect when you access the Site, such as your IP address, your browser type, your operating system, your access times, and the pages you have viewed directly before and after accessing the Site.
Facebook Permissions
The Site [and our mobile application] may by default access your Facebook basic account information, including your name, email, gender, birthday, current city, and profile picture URL, as well as other information that you choose to make public. We may also request access to other permissions related to your account, such as friends, checkins, and likes, and you may choose to grant or deny us access to each individual permission. For more information regarding Facebook permissions, refer to the Facebook Permissions Reference page.
Data From Social Networks
User information from social networking sites, such as [Apple’s Game Center, Facebook, Google+, Instagram, Pinterest, Twitter], including your name, your social network username, location, gender, birth date, email address, profile picture, and public data for contacts, if you connect your account to such social networks.
Mobile Device Data
Device information, such as your mobile device ID, model, and manufacturer, and information about the location of your device, if you access the Site from a mobile device.
Third-Party Data
Information from third parties, such as personal information or network friends, if you connect your account to the third party and grant the Site permission to access this information.
Data From Contests, Giveaways, and Surveys
Personal and other information you may provide when entering contests or giveaways and/or responding to surveys.
Mobile Application Information
If you connect using our mobile application:
USE OF YOUR INFORMATION
Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Site [or our mobile application] to:
DISCLOSURE OF YOUR INFORMATION
We may share information we have collected about you in certain situations. Your information may be disclosed as follows:
By Law or to Protect Rights
If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation. This includes exchanging information with other entities for fraud protection and credit risk reduction.
Third-Party Service Providers
We may share your information with third parties that perform services for us or on our behalf, including data analysis, email delivery, hosting services, customer service, and marketing assistance.
Marketing Communications
With your consent, or with an opportunity for you to withdraw consent, we may share your information with third parties for marketing purposes, as permitted by law.
Third-Party Advertisers
We may use third-party advertising companies to serve ads when you visit the Site [or our mobile application]. These companies may use information about your visits to the Site [and our mobile application] and other websites that are contained in web cookies in order to provide advertisements about goods and services of interest to you.
Other Third Parties
We may share your information with advertisers and investors for the purpose of conducting general business analysis. We may also share your information with such third parties for marketing purposes, as permitted by law.
Sale or Bankruptcy
If we reorganize or sell all or a portion of our assets, undergo a merger, or are acquired by another entity, we may transfer your information to the successor entity. If we go out of business or enter bankruptcy, your information would be an asset transferred or acquired by a third party. You acknowledge that such transfers may occur and that the transferee may decline honor commitments we made in this Privacy Policy.
We are not responsible for the actions of third parties with whom you share personal or sensitive data, and we have no authority to manage or control third-party solicitations. If you no longer wish to receive correspondence, emails or other communications from third parties, you are responsible for contacting the third party directly.
Comments
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Contact forms and Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who we share your data with
We use your data and information to gather your risk assessment for business loans and grants. The information is used to advise our clients and apply for small business funding and capital.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.48
Please check your email for your risk assessment report from applications@americancapitalconsulting.com
For more information about our small business loan and consulting services, please be sure to check our terms and conditions, privacy policy and fee schedule.
Our SBA Loan Advisors will help you find the best financing options for your business. We’re here to walk with you every step through the process. Complete our simple application and our team will review evaluate your risk assessment and help choose the best financing options for your current needs.
Stop wasting time, work with a professional SBA loan expert to understand how lenders view your business. Many low or NO COST packages available.
