Privacy Policy

Last updated: September 22, 2026

BHMAAA Inc. respects your privacy and is committed to protecting it through compliance with this Privacy Policy. This policy describes the types of information we may collect from you when you visit bhmaaa.com or use our services, and our practices for collecting, using, maintaining, protecting, and disclosing that information.

By accessing or using our Website or services, you agree to this Privacy Policy. If you do not agree with our policies and practices, your choice is not to use our Website or services.

01About BHMAAA

BHMAAA Inc. is a commercial finance company based in New York. We connect small business owners with third-party funding providers offering merchant cash advance and working capital products for commercial business use.

02Information We Collect

Information You Provide Directly

• Contact Information: Name, business name, email address, phone number, and mailing address that you provide when filling out forms on our Website or communicating with us.
• Business Information: Industry, time in business, monthly revenue, business banking information, and other commercial details you provide when applying for our brokerage services.
• Communications: Records of your correspondence with us, including emails, text messages, phone calls, and form submissions.
• Consent Records: Documentation of your consent to receive communications from us, including timestamps, source of consent, and consent language version.

Information Collected Automatically

• Usage Data: IP address, browser type, operating system, referring URLs, pages visited, and time spent on our Website.
• Cookies and Tracking Technologies: Information collected through cookies, web beacons, and similar technologies as described in Section 7.
• Device Information: Device type, unique device identifiers, and mobile network information.

03SMS / Text Messaging Communications

SMS Consent and Opt-In

BHMAAA Inc. offers two separate, optional SMS programs: Marketing SMS and Account Notification SMS. Each program has its own independent consent checkbox on our Website. Both checkboxes are unchecked by default, and you may submit an inquiry or application without consenting to either SMS program.

• Marketing SMS Opt-In: By actively checking the separate Marketing SMS consent checkbox, you provide express written consent to receive recurring marketing and promotional text messages from BHMAAA Inc. regarding business financing products, funding opportunities, and promotional offers.
• Account Notification SMS Opt-In: By actively checking the separate Account Notification SMS consent checkbox, you consent to receive text messages from BHMAAA Inc. regarding your submitted funding inquiry or application, including application status updates, document requests, approval status updates, and other application-related notifications.

Consent to Marketing SMS is not a condition of purchase or receiving services from BHMAAA Inc. You may independently choose to opt in to Marketing SMS, Account Notification SMS, both programs, or neither program.

Types of SMS Messages You May Receive

The messages you receive depend on the SMS program or programs for which you separately provide consent:

Marketing SMS

• Information about business financing products
• Funding opportunities
• Promotional funding offers

Account Notification SMS

• Updates regarding a submitted funding inquiry or application
• Application status notifications
• Document requests
• Approval status updates
• Other application-related notifications

Marketing SMS consent and Account Notification SMS consent are collected separately. Opting in to Account Notification SMS does not constitute consent to receive Marketing SMS.

Message Frequency and Charges

• Message Frequency: Message frequency varies based on the SMS program selected and your interaction with BHMAAA Inc.
• Message and Data Rates: Message and data rates may apply under your mobile carrier's plan. BHMAAA Inc. does not charge you for SMS messages, but your carrier may charge standard messaging or data rates.

How to Opt Out of SMS

You may opt out of receiving SMS messages from BHMAAA Inc. at any time. Reply with any of the following keywords to any text message you receive from us:

You will receive a confirmation that your opt-out has been processed. After opting out, you will not receive further SMS messages from BHMAAA Inc. unless you opt in again. You may also contact us directly using the information in Section 11 to request removal from our SMS program.

How to Get Help

If you need assistance with our SMS service, you may:

• Reply HELP to any text message from BHMAAA Inc. for assistance.
• Email us at support@bhmaaa.com
• Call us at (877) 838-7920

SMS Data Sharing

BHMAAA Inc. does not sell, rent, or transfer SMS opt-in data or SMS consent to third parties or affiliates for marketing or promotional purposes.

All the above categories exclude text messaging originator opt-in data and consent; this information won’t be shared with any third parties.

SMS consent provided to BHMAAA Inc. applies only to communications from BHMAAA Inc. and does not authorize third-party funding providers or affiliates to send you SMS marketing messages.

Operational service providers may process mobile phone numbers as necessary to deliver messages on behalf of BHMAAA Inc. They are not authorized to use SMS opt-in data or consent for their own marketing or promotional purposes.

04How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information, for the following purposes:

• To present our Website and its contents to you
• To provide you with information, products, or services that you request from us
• To facilitate introductions between you and third-party funding providers in our network
• To process and respond to your inquiries and applications
• To communicate with you via SMS only where you have separately opted in to the applicable SMS program
• To send you administrative notices and account-related communications
• To improve our Website and services
• To comply with legal obligations and protect our legal rights
• For any other purpose with your consent

05How We Share Your Information

We may disclose personal information that we collect or you provide as described in this Privacy Policy:

• Funding Provider Partners: When you submit an application or inquiry, we may share your information with third-party funding providers in our network to facilitate matching you with appropriate funding products. These providers have their own privacy policies governing their use of your information.
• Service Providers: To contractors, service providers, and other third parties we use to support our business (such as payment processors, SMS service providers, email service providers, CRM platforms, and hosting providers).
• Legal Compliance: To comply with any court order, law, or legal process, including responding to any government or regulatory request.
• Business Transfers: To a buyer or other successor in the event of a merger, acquisition, reorganization, or sale of all or a portion of BHMAAA Inc.'s assets.
• With Your Consent: For any other purpose disclosed by us when you provide the information or with your consent.

We do not sell your personal information to third parties for their direct marketing purposes.

SMS Opt-In Exception: The sharing described above does not include text messaging originator opt-in data or consent. SMS opt-in data and consent are not sold, rented, or transferred to third parties or affiliates for their marketing or promotional purposes. Consent provided to BHMAAA Inc. does not authorize any third-party funding provider to send SMS marketing messages to you.

06Data Security

We have implemented reasonable measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. However, the transmission of information via the internet is not completely secure. We cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk.

07Cookies and Tracking

Our Website may use cookies, web beacons, and similar tracking technologies to enhance your experience, analyze usage patterns, and improve our services. You can control the use of cookies through your browser settings. Note that disabling cookies may affect your ability to use certain features of our Website.

08Your Privacy Rights

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

• Right to Access: You may request access to the personal information we hold about you.
• Right to Correction: You may request that we correct any inaccurate or incomplete personal information.
• Right to Deletion: You may request that we delete your personal information, subject to certain exceptions.
• Right to Opt Out: You may opt out of marketing communications, including SMS messages, at any time as described in Section 3.
• Right to Data Portability: You may request a copy of your personal information in a portable format.

To exercise any of these rights, please contact us using the information provided in Section 11.

09Children's Privacy

Our Website and services are not directed to children under the age of 18. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information.

10Changes to This Policy

We may update this Privacy Policy from time to time. The date the Privacy Policy was last revised is identified at the top of the page. You are responsible for periodically visiting this Privacy Policy to check for any changes. Your continued use of our Website or services after any changes signifies your acceptance of the updated Privacy Policy.

11Contact Us