Privacy Policy

Hard Rock Financial (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the information you provide through our website and services.

By accessing this website, submitting information, applying for financing, or using any Company services, you consent to the practices described in this Privacy Policy.

If you do not agree with this Privacy Policy, do not use this website or submit any information.

1. Information We Collect

A. Personal Information

  • Name
  • Email address
  • Phone number
  • Home address
  • Date of birth
  • Social Security Number
  • Driver’s license or government-issued ID
  • IP address
  • Device information

B. Business Information

  • Business name
  • EIN
  • Revenue information
  • Bank account details
  • Merchant processing statements
  • Tax returns
  • Financial statements
  • Ownership information
  • Business licenses
  • Corporate documents

C. Automatically Collected Information

  • Browser type
  • Device identifiers
  • Cookies
  • Website activity
  • Geolocation data
  • Referral URLs
  • Session data
  • Interaction metrics

2. How We Use Information

We may use collected information for any lawful business purpose, including:

  • Processing applications
  • Underwriting and risk assessment
  • Identity verification
  • Fraud prevention
  • Compliance and legal obligations
  • Customer support
  • Collections and enforcement
  • Internal analytics
  • Marketing and advertising
  • Improving website functionality
  • Communicating with users
  • Sharing with funding partners and service providers

3. Sharing of Information

Merchant expressly authorizes Company to share submitted information with:

  • Funding providers
  • Lenders
  • Brokers
  • ISO partners
  • Underwriters
  • Payment processors
  • Banks
  • Collection agencies
  • Credit reporting agencies
  • Service providers
  • Legal and regulatory authorities
  • Affiliates and successors

Company may sell, transfer, assign, or disclose information as part of portfolio transactions, corporate restructuring, asset sales, mergers, financing arrangements, or business transfers.

4. Credit Authorization

By submitting information through this website, Merchant authorizes Company and its representatives to obtain credit reports, verify banking information, review transactions, and re-verify information at any time.

Merchant understands that multiple inquiries may appear on credit reports.

5. Cookies and Tracking Technologies

Company may use:

  • Cookies
  • Pixels
  • Web beacons
  • Analytics tools
  • Session replay tools
  • Advertising technologies

These may be used to track behavior, improve performance, conduct analytics, retarget ads, detect fraud, and personalize experiences. Third-party providers may also collect information.

6. Marketing Communications

Merchant consents to receive emails, SMS, calls, automated calls, prerecorded messages, and marketing communications from Company and its partners, even if listed on Do Not Call registries.

Consent is not a condition of purchase. Message and data rates may apply.

7. Data Security

Company uses commercially reasonable measures to protect information, but no system is fully secure. Merchant acknowledges and accepts all risks associated with electronic transmission and storage.

8. Data Retention

Company may retain information indefinitely for business operations, compliance, enforcement, fraud prevention, legal obligations, and internal analysis, even after the relationship ends.

9. Third-Party Websites

Company is not responsible for privacy practices, content, security, or policies of third-party websites. Use is at Merchant’s own risk.

10. No Guarantee of Confidentiality

Company cannot guarantee absolute confidentiality or security of electronic communications or internet transmissions.

11. Children’s Privacy

This website is intended for individuals over 18. Company does not knowingly collect information from minors.

12. State-Specific Rights

Certain states may provide additional rights such as access, correction, deletion, data portability, and opt-out rights. Company reserves the right to verify and deny requests where legally permitted.

Some states, including California and New York, impose additional privacy and commercial financing obligations that may apply depending on business activities.

13. California Privacy Notice

California residents may have rights under CCPA and CPRA. Company may collect, use, and share personal information for commercial purposes as described in this Privacy Policy.

Deletion or limitation requests may not be fully honored where retention is required for legal compliance, fraud prevention, enforcement, or internal business purposes.

14. Do Not Track

Company does not guarantee response to browser “Do Not Track” signals.

15. Changes to This Privacy Policy

Company may update this Privacy Policy at any time without prior notice. Changes take effect immediately upon posting. Continued use constitutes acceptance of updates.