Murphy Capital Solutions LLC – Privacy Policy
Effective Date: December 6, 2025

This Privacy Policy (“Policy”) explains how Murphy Capital Solutions LLC (“Murphy Capital Solutions,” “MCS,” “we,” “us,” or “our”) collects, uses, shares, and safeguards information in connection with:

  • Applications submitted through our online forms or other channels,

  • Our website and any related online services, and

  • Our communications with you (phone, email, SMS/text, etc.).

By submitting an application, visiting our website, or otherwise interacting with us, you acknowledge that you have read and understand this Policy and consent to the practices described here, to the extent permitted by applicable law.

Note: We are a commercial finance broker, not a bank or direct lender. We work with third-party lenders and funding partners to help facilitate financing solutions.

2. Information We Collect

We may collect the following categories of information, depending on how you interact with us:

2.1 Business & Application Information

From you and/or your business, we may collect:

  • Business legal name, DBA, business address, and contact details

  • Business type/entity, years in business, industry, annual revenue

  • Tax ID/EIN, number of employees, business bank information (in some cases)

  • Information about equipment or financing requested

2.2 Personal Information (Owners, Guarantors, and Signers)

From principals, owners, guarantors, or authorized signers, we may collect:

  • Name, home address, email, and phone number(s)

  • Date of birth and Social Security Number (SSN)

  • Driver’s license or other ID information (where applicable)

  • Personal financial information that may be needed for credit review

We collect this information primarily to evaluate applications and, where applicable, to assist lenders in making credit decisions.

2.3 Website & Technical Information

When you visit our website, we may automatically collect:

  • IP address and general location information

  • Device type, browser type, and operating system

  • Pages viewed, links clicked, and time spent on the site

  • Referring URLs and other usage information

This information is typically collected using cookies and similar technologies (see Section 6).

2.4 Communications & Support

We may also collect:

  • Records of communications (email, phone calls, text messages, or form submissions)

  • Copies of documents or information you choose to upload or send to us

3. How We Use Your Information

We use the information described above for purposes that include:

  • Application review & underwriting support

    • Evaluating your business and/or personal creditworthiness

    • Assisting lenders and funding partners in their underwriting process

  • Verification & compliance

    • Verifying identity, business details, and other information provided

    • Helping detect and prevent fraud, money laundering, and other illegal activity

    • Complying with applicable laws, regulations, and record-keeping requirements

  • Servicing & communications

    • Responding to your questions and requests

    • Providing application status updates and follow-ups

    • Sending transactional and account-related communications

  • Marketing (where permitted)

    • Providing information about products or services that may be relevant to you

    • You can opt out of marketing communications at any time (see Section 7).

  • Operations, analytics & improvement

    • Operating, maintaining, and improving our website, forms, and services

    • Analyzing usage patterns to improve performance and user experience

We only use your information in ways that are compatible with these purposes or as otherwise permitted or required by law.

4. How We Share Your Information

We may disclose your information in the following situations:

4.1 Lenders & Funding Partners

We are a broker. To help you obtain financing, we may share relevant information with:

  • Banks, finance companies, and other funding partners that may review your application

  • Their affiliates or service providers as part of their underwriting, approval, and servicing processes

Those lenders and partners are independent third parties and will handle your information according to their own privacy policies and legal obligations.

4.2 Service Providers

We may share information with service providers that perform functions on our behalf, such as:

  • Data hosting, cloud storage, and IT support

  • Website and form hosting services

  • Communication and email/SMS platforms

  • Document generation, e-signature, or CRM tools

These service providers are permitted to use your information only to perform services for us and are not authorized to use it for their own unrelated purposes.

4.3 Legal, Regulatory & Protection Purposes

We may disclose information:

  • To comply with applicable laws, regulations, subpoenas, or legal processes

  • To respond to lawful requests from government or regulatory authorities

  • To protect our rights, property, and safety, or that of our customers, partners, or the public

  • To help investigate and prevent fraud or other illegal activity

4.4 Business Transfers

If we are involved in a merger, acquisition, sale of assets, or similar transaction, your information may be transferred as part of that transaction, as permitted by law.

5. SMS/Text Messaging

With your consent (for example, by submitting your phone number on an application or form where such consent is requested), we may send you SMS/text messages related to:

  • Application status and updates

  • Requests for additional information or documents

  • Transactional or account-related notices

Message and data rates may apply. Message frequency may vary.

You can opt out of SMS/text messages at any time by replying “STOP” to any message or by contacting us using the information in Section 10. For help, you may reply “HELP”. Carriers are not liable for delayed or undelivered messages.

6. Cookies & Tracking Technologies

Our website may use cookies and similar technologies to:

  • Remember your preferences

  • Analyze usage and performance of the site

  • Improve functionality and user experience

You can usually control or disable cookies through your browser settings. If you choose to block cookies, some features of our website may not function properly.

7. Your Choices

Depending on how you interact with us, you may have the following choices:

  • Update or correct information
    You may request that we update or correct certain information you have provided by contacting us.

  • Marketing communications
    You may opt out of promotional emails by using the “unsubscribe” link in those emails or by contacting us directly. Even if you opt out of marketing, we may still send you transactional or legally required communications (e.g., application or account information).

  • SMS/text messages
    You may opt out of SMS/text communications at any time by replying “STOP” or contacting us as described above.

  • State-specific rights
    Depending on your state of residence, you may have additional rights regarding access, deletion, or correction of personal information under applicable law. To inquire about any such rights, please contact us using the information in Section 10.

8. Data Security

We use commercially reasonable physical, technical, and administrative safeguards to protect the information we collect and maintain. However, no method of transmission over the internet or method of electronic storage is completely secure. We cannot guarantee absolute security of your information.

9. Data Retention

We retain information for as long as reasonably necessary to:

  • Process and service applications,

  • Comply with legal, regulatory, and record-keeping obligations, and

  • Resolve disputes and enforce our agreements.

The specific retention period may vary based on the type of information, our relationship with you, and legal requirements.

10. Third-Party Websites

Our website or communications may include links to third-party websites or platforms (including lenders, partners, or service providers). We are not responsible for the privacy practices or content of those third parties. We encourage you to review their privacy policies before providing any information.

11. Children’s Privacy

Our services and forms are intended for business and commercial use, not for individuals under 18. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete it as required by law.

12. Changes to This Policy

We may update or revise this Privacy Policy from time to time. When we do, we will post the updated Policy on our website with a new Effective Date at the top. Your continued use of our website, forms, or services after any update indicates your acceptance of the revised Policy.

13. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact us at:

Murphy Capital Solutions LLC
Phone: (561) 318-3974
Email: info@murphycapitalsolutions.com

You may also contact us through any contact method listed on our website.