How We Protect Your Privacy and Use Your Information

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Originally Published Nov. 3, 2019, Last updated May 9, 2024


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, including any other media form, media channel, mobile website, or mobile Application related or connected to it (collectively, the “Site”). Please read this privacy policy and terms of use for our site and services carefully. If you disagree with the terms of this privacy policy, please do not access the site.

We are a consulting firm and not a third-party lender. We only assist business owners with documentation and advice. 

Privacy Policy Changes

We encourage visitors to check this page frequently for changes to its Privacy Policy. Your continued use of this site after any change will constitute your acceptance of such change. We will alert you about any changes by updating this Privacy Policy’s “Last Updated” date. 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.


Your privacy is critically important to us. As such, we have a few fundamental principles.

  1. We don’t ask you for personal information unless we truly need it
  2. We don’t share your personal information with anyone except to comply with the law, develop our products, or protect our rights.
  3. We don’t store personal information on our servers unless required for the ongoing operation of one of our services.
  4. We NEVER sell your phone number or other data you provide to any 3rd parties or services. 


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 complies 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 to serve 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.

Website Visitors

Like most website operators, this website collects non-PII that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Our purpose for collecting non-PII is to understand better how visitors use this website. From time to time, we may release non-PII in the aggregate, e.g., by publishing a report on trends in the usage of its website. This website also collects potential PII-like Internet Protocol (IP) addresses.

Gathering of Personally-Identifying Information (PII) 

Certain visitors to this website choose to interact with it in ways that require the website to gather PII. The amount and type of information that the website gathers depends on the nature of the interaction. In each case, this website collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction. The website does not disclose PII other than as described below. Visitors can always refuse to supply PII, with the caveat that it may prevent them from engaging in certain website-related activities or services.

Protection of Certain Personally-Identifying Information

We disclose potential PII only to those persons and affiliated organizations that (i) need to know that information in order to provide services available on this website and (ii) that have agreed not to disclose it to others. Some of these persons and affiliated organizations may be located outside of your home country; by using this website, you consent to transfer such information to them. This website will not rent or sell potential PII to anyone. Other than the persons and affiliated organizations, as described above, this website discloses PII only when required to do so by law or when this website believes in good faith that disclosure is reasonably necessary to protect the property or rights of this website, third parties, or the public at large.


A cookie is a string of information that a website stores on a visitor’s computer and the visitor’s browser provides to a website each time the visitor returns. This website uses cookies to help the website identify and track visitors, their usage of the website, and their website access preferences. Visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using this website, with the drawback that certain features of this website may not function properly without the aid of cookies. We have several cookies to save your login information and your screen display choices. 


E-mail, Phone, and Text Messaging (SMS) Authorization

By providing us with a cellular or wireless device telephone number (including one that you later convert to a wireless device number), you expressly consent to receive informational, telemarketing, and advertising communications from us and our service providers. Such communications include but are not limited to text messages and communications. This express consent applies to all telephone numbers and e-mail addresses you provide now and all telephone numbers and e-mail addresses you provide to us in the future. You understand that you are not required to grant consent as a condition of purchasing any property, goods, or services from the Company. Should you wish to decline to provide such express consent or revoke your consent at any time, you may do so by emailing or by any other method that reasonably ensures we receive your revocation. You understand that message and data rates may apply.

We obtain SMS consent from our clients in two ways:

1. Verbally: Clients can provide consent by calling us on our Toll-Free number, which is available on our website,

2. Online: Clients can also book a consultation and fill out the form at to provide their consent.

Data From Social Networks

User information from social networking sites, such as [Facebook, Google, Instagram, Pinterest, and 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. 


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.

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

We do not sell your Information to third parties. All information provided to ACC, such as personal information or network friends, is used if you experess permission via connecting 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:

  • Geo-Location Information. We may request access or permission to and track location-based information from your mobile device, either continuously or while you are using our mobile Application, to provide location-based services. If you wish to change our access or permissions, you may do so in your device’s settings.
  • Mobile Device Access. We may request access or permission to certain features from your mobile device, including your mobile device’s [bluetooth, calendar, camera, contacts, microphone, reminders, sensors, SMS messages, social media accounts, storage,] and other features. If you wish to change our access or permissions, you may do so in your device’s settings.
  • Mobile Device Data. We may collect device information (such as your mobile device ID, model and manufacturer), operating system, version information and IP address.
  • Push Notifications. We may request to send you push notifications regarding your account or the Application. If you wish to opt-out from receiving these types of communications, you may turn them off in your device’s settings.


Accurate information about you lets us 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:

  • Administer sweepstakes, promotions, and contests.
  • Compile anonymous statistical data and analysis for use internally.
  • Create and manage your account.
  • Deliver targeted advertising, coupons, newsletters, and other information regarding promotions and the Site [and our mobile Application] to you.
  • Email you regarding your account or order.
  • Generate your personal profile to make future visits to the Site [and our mobile Application] more personalized.
  • Increase the efficiency and operation of the Site [and our mobile Application].
  • Monitor and analyze usage and trends to improve your experience with the Site [and our mobile Application].
  • Notify you of updates to the Site.
  • Offer new products, services, [mobile applications,] and/or recommendations to you.
  • Perform other business activities as needed.
  • Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
  • Request feedback and contact you about your use of the Site [and our mobile Application].
  • Resolve disputes and troubleshoot problems.
  • Respond to product and customer service requests.
  • Send you a newsletter.
  • Solicit support for the Site [and our mobile Application].


We may use advertising tools 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.

How long we retain your data

For users who 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.

Other Disclosures 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.

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

Please check your email for your risk assessment report from

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. 

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