Privacy Policy

Merit Ridge Group LLC — last updated November 9, 2026

Who we are

Merit Ridge Group LLC ("Merit Ridge," "we," "us") is a commercial finance brokerage located at 1178 Southwest 44th Avenue, Deerfield Beach, Florida 33442. This policy explains what information we collect through meritridgegroup.com and our messaging programs, how we use it, and the choices you have. It applies to this website and to the SMS and email programs we operate under our own brand.

Information we collect

We collect information you give us directly when you submit an application or contact us:

• Business information — legal business name, state of operation, time in business, average monthly revenue, amount of financing sought, and existing financing obligations
• Contact information — your name, email address, and mobile phone number
• Consent records — whether you opted in to SMS messaging, and the date, time, and source of that opt-in
• Documents you send us, such as business bank statements, when you choose to provide them
• Correspondence — the content of messages you exchange with us by SMS or email

We also collect limited technical information automatically, such as your IP address and browser type, for security and to keep the site working.

How we use it

• To evaluate your financing inquiry and determine which third-party funders your file may fit
• To submit your file to those funders on your behalf, with your authorization
• To communicate with you about your inquiry by phone, email, and — only if you opted in — SMS
• To keep records required of us, including proof of messaging consent
• To detect and prevent fraud and misuse

We do not sell your personal information.

SMS and mobile information

If you check the SMS consent box on our application form, you agree to receive text messages from Merit Ridge Group LLC about your business financing inquiry. Message frequency may vary. Standard message and data rates may apply. You can opt out at any time by replying STOP to any message, and you can reply HELP for assistance. Opting out of SMS does not affect your application or any other way we communicate with you.

When we share information

We share information only in these circumstances:

• Third-party funders. To do our job as a brokerage, we submit your application and supporting documents to funders you authorize us to approach. Those funders are independent companies and handle your information under their own privacy policies.
• Service providers. Vendors who operate our systems on our behalf — hosting, email delivery, messaging carriers and platform providers, and document storage. They may use your information only to provide services to us.
• Legal requirements. Where we are required to disclose information by law, subpoena, or a government or regulatory request, or where disclosure is necessary to protect our rights or the safety of others.
• Business transfer. If Merit Ridge is involved in a merger, acquisition, or sale of assets, information may transfer as part of that transaction.

We do not share your information with third parties for their own marketing purposes, and we do not sell lead data.

How long we keep it

We retain application information and correspondence for as long as needed to serve your inquiry and to meet our legal and recordkeeping obligations. SMS consent and opt-out records are retained for as long as we operate the messaging program, because we may be required to produce proof of consent. Opt-out records are kept permanently so that a number that has opted out is never messaged again.

Security

We use reasonable administrative and technical safeguards to protect the information we hold, including encryption in transit and access controls. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Your choices

• Stop text messages — reply STOP to any message from us. The opt-out takes effect immediately and applies across all of our messaging.
• Stop emails — use the unsubscribe link in any marketing email, or email us at the address below.
• Access, correct, or delete — email us and we will respond within a reasonable period. Some records, such as consent and opt-out records, must be retained to meet legal obligations.

Children

This site and our services are for business purposes and are intended for adults. We do not knowingly collect information from anyone under 18.

Changes to this policy

We may update this policy from time to time. The date at the top reflects the most recent revision. Material changes to how we handle mobile information will be posted here before taking effect.

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