Privacy Policy

Last updated: April 28, 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. may send you SMS / text messages only after you have provided express written consent to receive such messages. We obtain your consent through one of the following methods:

• Web Form Opt-In: By checking an unchecked SMS consent checkbox on our Website contact form, you provide express written consent to receive SMS messages from BHMAAA Inc. about commercial finance services.
• Verbal Opt-In: During a recorded phone conversation, you may verbally consent to receive SMS messages by affirming consent after our representative discloses that text messages may be sent and that you may opt out at any time by replying STOP.

Consent is not a condition of receiving services from BHMAAA Inc. You may use our Website, communicate with us, and submit applications without consenting to receive SMS messages.

Types of SMS Messages You May Receive

If you opt in to SMS communications, you may receive text messages related to:

• Commercial finance brokerage services and inquiries
• Application status updates and follow-ups
• Customer support communications
• Information about funding options available through our network of third-party providers

We do NOT send SMS messages containing: consumer lending products, payday loans, credit repair services, debt relief services, or any content related to sex, hate speech, alcohol, firearms, or tobacco (so-called SHAFT-category content).

Message Frequency and Charges

• Message Frequency: Message frequency varies based on your engagement with our services. You may receive messages periodically, particularly when you have an active inquiry or application with BHMAAA Inc.
• Message and Data Rates: Standard message and data rates may apply per your mobile carrier's plan. BHMAAA Inc. does not charge you for SMS messages, but your carrier may charge you for sending or receiving text messages. Please contact your wireless carrier for details about your plan.

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 which we will not send you further marketing or solicitation SMS messages. You may also contact us directly using the information in Section 11 to request removal from our SMS list. Opt-out requests are processed immediately.

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 share, sell, rent, or transfer your mobile phone number, SMS opt-in status, or SMS consent information to any third party for their marketing purposes. Your SMS consent and mobile phone number are used solely for communications between you and BHMAAA Inc. as described in this Privacy Policy.

We may share your phone number with third-party SMS service providers (such as Twilio Inc. and Telnyx LLC) solely to deliver and route messages on our behalf. These providers are contractually obligated to use this information only for delivering our communications and not for their own marketing 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 about our services, including via SMS where you have opted in
• 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.

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