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Privacy Policy

PRIVACY POLICY & TERMS OF USE:

PAUL C MUHAMMAD LLC [ D&B #:119007134 ] d/b/a Wisconsin Loan Broker,  Opiusgold Corp. (PMCBIZ.com / WisconsinLoanBroker.com) Tools and Services. Your use of the websites is subject to and governed by these Terms of Service (“Terms”), which constitute a binding legal agreement between you and Wisconsin Loan Broker. “PMCBIZ.com / WisconsinLoanBroker.com” or “Company” or “we” means Wisconsin Loan Broker / PAUL C MUHAMMAD LLC., PMCBIZ.com / WisconsinLoanBroker.com is a financial services portal for individual, small and medium-sized businesses (“SME’s”) that offers a range of services to its customers through its web site located at PMCBIZ.com / WisconsinLoanBroker.com and related websites (collectively, the “Site”). The tools and services are summarized below.

Business Finance Services. Wisconsin Loan Broker can help you, your small or medium-sized businesses find a business loan, merchant cash advance or other financing product (collectively, “loan” or “business loan”) through its network of banks, providers of merchant cash advances or other financing products and other lenders (collectively,“lenders”).

Business Resources. Wisconsin Loan Broker offers a wealth of information and tools for small and medium-sized businesses, including case studies of how we’ve helped other businesses expand and meet certain challenges and resources to track down government-sponsored small business programs.

Free Business Loan Consultation. Wisconsin Loan Broker offers a free loan consultation to every customer regarding their business loan options.

Wisconsin Loan Broker Content and Community. Wisconsin Loan Broker also offers a wealth of original and other content relating to your business and the commercial loan process, together with blog, Q&A and other community features.

Wisconsin Loan Broker also offers articles, its Newsletter and other content, including all information, data, logos, marks, designs, graphics, pictures, sound files, other files, and their selection and arrangement (collectively, “Content”) in order to provide its customers with information critical to the successful operation and expansion of their businesses.

Wisconsin Loan Broker Services. The tools, resources, services Content and Community features offered by Wisconsin Loan Broker / PAUL C MUHAMMAD, LLC on its Site are collectively referred to in these Terms as “Services”.

By accessing this Site or using any Services, you hereby agree to the Terms. You further agree to use any Services solely following the Terms. If you do not agree to any of these Terms, you must stop using this Site immediately.

PRIVACY POLICY:
This Privacy Policy applies to pmcbiz.com, wisconsinloanbroker.com which is owned and operated by PAUL C MUHAMMAD LLC d/b/a Wisconsin Loan Broker ( “Us,” or We”). This Privacy Policy describes how Wisconsin Loan Broker collects and uses the personal information you provide on our website pmcbiz.com, wisconsinloanbroker.com (“Website”) in order to provide our merchant cash advances and business loan products and service (collectively, the “Service”). It also describes the choices available to you regarding our use of your personal information and how you can access and update such information. For purposes of this Privacy Policy, “Personal Information” means information that personally identifies you, including your contact information, IP and business loan application information. A large portion of the Personal Information we collect, use, share, and store is sensitive in nature, including your social security number and financial account information (“Sensitive Personal Information”).

Information We Collect. We collect the following information from you:

Contact information such as name, email address, mailing address, and phone number;

Financial information such as, bank statements, credit card statements, your average bank balance, personal and business credit history, payment behavior, bank account information, and tax ID number;

Social security number;

Unique identifiers such as user name and password, and IP address; and

Business information including company name, company size, and business type.

We may also conduct a site visit to collect information. We supplement the data you provide with your credit score obtained from the three credit bureaus. Once you are an Wisconsin Loan Broker customer, we may reach out to you for information again if you decide to renew your cash advance or loan.

Use of Information. We use the information we collect to:

Compile, save, use and analyze your Personal Information in both a personally-identifiable form and an aggregated, non-personally identifiable form;

Operate, maintain, improve, and provide to you the Service and to conduct our business;

Verify your identity;

Register you as a user and identify you when you sign in to your account;

Determine whether or not you qualify for one of our cash advances or loan products;

Process your account, including deducting automatic payments;

Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications; and

Post and review your comments on our blog.

Privacy and Sharing of Information. Wisconsin Loan Broker will share your Personal Information with third parties only in the ways that are described in this Privacy Policy. We do not sell your Personal Information to third parties. We will provide your Personal Information to our trusted business partners and service providers to provide services to help us with our business activities, such as offering customer service or processing credit checks. These companies are authorized to use your Personal Information only as necessary to provide these services to us. We will share your basic information (name, company name, phone number, email address and requested cash advance or loan amount) with one of our business partners if we are unable to provide you with a cash advance or loan. If you do not want us to share your Personal Information with these business partners, please contact us by email at info@pmcbiz.com or by postal mail at the contact information listed below. We may also disclose your Personal Information:

As required by law, such as to comply with a subpoena, or similar legal process, including in a bankruptcy proceeding;

When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a request from a governmental entity;

If Wisconsin Loan Broker is involved in a merger, acquisition, or sale of all or substantially all of its assets or equity, in which case, you will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information; and

To any other third party with your prior consent to do so.

User Access and Choice. If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, delete/remove, ask to have it removed from a public forum or testimonial on our Website or deactivate it by emailing our Customer Support at info@pmcbiz.com or by contacting us by postal mail at the contact information listed below. We will respond to your request within 30 days. We will retain your information for as long as your account is active or as long as reasonably useful for commercial purposes. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements

Opt-Out Policy. Wisconsin Loan Broker and our business partners may contact you to offer you products and services that may be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone calls/texts or other forms of contact from Wisconsin Loan Broker and our trusted business partners by sending an email (return and delivery receipts requested, when possible) to info@pmcbiz.com with your full name, address, phone number, account number, and a clear statement that you no longer want to receive promotional emails and telephone calls/texts. Note that you may also follow the unsubscribe instructions included in these emails.

Tracking Technologies. Technologies such as cookies, beacons, tags and scripts are used by Wisconsin Loan Broker and our partners

(for example, our marketing partners), affiliates, or analytics or service providers, including our live chat, marketing trackers, and survey tool service providers. These technologies are used in analyzing trends, administering the Website, tracking users’ movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies for user authentication and analytics. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Website, but your ability to use some features or areas of our Website may be limited. If you would like to learn more about cookies or how to configure your browser, please visit www.allaboutcookies.org.

Log Files. As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you and to improve marketing, analytics, and Website functionality.

Behavioral Advertising/Re-Targeting. We partner with third parties to display advertising on our Website and manage our advertising on other sites. Our third party partners may use technologies such as cookies to gather information about your activities on this Website and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by notifying us. Please note this does not opt you out of being served advertisements. You will continue to receive generic advertisements.

Security of Information. We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

Security of Information. Wisconsin Loan Broker  takes the security of your information very seriously. Your information is securely sent to Wisconsin Loan Broker with 128 bit-encryption over the Transport Layer Security (TLS) protocol. This creates an encrypted connection between your browser and our servers. Thus, when you enter Sensitive Personal Information (such as a credit card number) on our order forms, we encrypt the transmission of that information. If you allow Wisconsin Loan Broker to see your banking information online rather than in paper form, it is on a read-only basis. We do not have access to change, edit, or modify bank account information in any way. Wisconsin Loan Broker employees cannot view your banking username and passwords.

Links to 3rd Party Sites. Our Website includes links to other websites whose privacy practices may differ from those of Wisconsin Loan Broker. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

Blog/Forum. Our Website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your Personal Information from our blog or community forum, contact us by email at info@pmcbiz.com or by postal mail at the contact information listed below. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why.

Testimonials. We display personal testimonials of satisfied customers on our Website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us by email at info@pmcbiz.com or by postal mail at the contact information listed below.

Social Media Widgets. Our Website includes social media features, such as the Facebook “Like” button. These features may collect your IP address, which pages you are visiting on our Website, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by the privacy policy of the company providing it.

Changes To This Policy. We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes we may notify you by email or by means of a notice on this Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, please contact us by email at info@pmcbiz.com or with a letter by postal mail to:

Wisconsin Loan Broker
8266 N. 50th St Brown Deer, WI 53223

If you are contacting us to opt-out of marketing communications, you must include your full name and business mailing email addresses and account number. Once we locate your contact information based on the information you provide us, it will be removed from our databases and mailings lists.