Terms of Use and Privacy Policy

Aurea Growth Partners LLC
30 N Gould Ste R, Sheridan, WY 82801
Email: [email protected] | Phone: 1-678-329-3690
Last Updated: September 2025

This document outlines the Terms of Use ("Terms") and Privacy Policy for the website mca.aureagrowthpartners.com ("Website") operated by Aurea Growth Partners LLC ("Aurea," "we," "us," or "our"), an Independent Sales Organization (ISO) in the merchant cash advance (MCA) industry. By accessing or using our Website, submitting information, or engaging with our services, you ("User," "you") agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our Website or services.

Terms of Use

1. Nature of Services

Aurea Growth Partners LLC is an ISO that connects businesses with third-party merchant cash advance (MCA) providers. We are not a lender, financial institution, or broker and do not originate, underwrite, or provide MCAs directly. Our services facilitate lead generation by collecting business information (e.g., business name, financial data, contact details) and sharing it with MCA providers for funding consideration. All funding decisions, terms, and approvals are made by third-party providers, not Aurea.

No Guarantee: Submission of an application or inquiry through our Website does not guarantee funding, approval, or specific terms. Offers, if any, are subject to provider criteria, including business performance, credit history, and sales volume.

MCA Disclosure: MCAs are purchases of future receivables, not loans, repaid via a percentage of sales plus fees (equivalent APRs may range from 50-350%). In regulated states (e.g., CA, CT, FL, GA, IL, KS, LA eff. Aug 1, 2025, MO eff. Feb 28, 2025, NY, TX, UT, VA), providers must disclose: amount financed, finance charge, total repayment, payment schedule/frequency, estimated APR (where required, e.g., CA, NY, MO), prepayment policies, and broker/ISO compensation. Exemptions may apply for transactions >$500,000-$2.5M, <5-6 deals/year, or bank-affiliated providers.

User Responsibility: You agree to provide accurate, complete, and current information. Misrepresentation may result in termination of services or legal action by providers.

2. Use of Website

Eligibility: You must be 18 or older and have the legal authority to represent your business to use our Website or services.

Permitted Use: Use the Website only for lawful purposes related to seeking business funding. You may not: Use automated tools (e.g., bots, scrapers) to access or extract data without permission. Attempt to interfere with the Website’s functionality (e.g., hacking, DDoS attacks). Submit false or misleading information.

Intellectual Property: All content on the Website (e.g., text, logos, designs) is owned by Aurea or licensed to us. You may not copy, distribute, or modify content without written consent.

Third-Party Links: Our Website may link to third-party sites (e.g., MCA providers). We are not responsible for their content, terms, or practices.

3. Electronic Communications and Signatures

By using our Website or submitting forms, you consent to receive electronic communications (e.g., emails, SMS) from Aurea and our third-party MCA provider partners. Under the Electronic Signatures in Global and National Commerce Act (E-SIGN, 15 U.S.C. § 7001), your electronic signature on applications or forms has the same legal effect as a handwritten signature. You may withdraw consent to electronic communications by contacting us at [email protected], but this may limit your ability to use our services.

4. Disclaimers

No Financial Advice: Information on our Website is for informational purposes only and does not constitute financial, legal, or professional advice. Consult a qualified advisor before pursuing funding.

Risks: MCAs carry high costs and risks, including potential debt cycles if sales decline. Aurea makes no representations about funding outcomes or provider reliability.

Accuracy: While we strive for accuracy, we do not guarantee that Website content is error-free or up-to-date.

5. Limitation of Liability

To the fullest extent permitted by law, Aurea Growth Partners LLC, its affiliates, and employees shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Website or services, including but not limited to losses from funding decisions, provider actions, or data breaches. You use our services at your own risk.

6. Indemnification

You agree to indemnify and hold Aurea harmless from any claims, losses, or damages (including legal fees) arising from your use of the Website, violation of these Terms, or submission of inaccurate information.

7. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Wyoming, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in Sheridan, Wyoming, under the rules of the American Arbitration Association, except where prohibited by law. You waive any right to participate in class actions.

8. Changes to Terms

We may update these Terms at any time by posting changes on this page. Continued use of the Website after updates constitutes acceptance. Check this page regularly for the latest version.

Privacy Policy

1. Information We Collect

We collect information you provide directly through our Website, forms, or communications, including:

Business Information: Business name, address, revenue, sales volume, time in business, industry, and related data.

Personal Information: Name, email, phone number, Social Security Number (SSN, if provided for funding applications), and other contact details.

Technical Data: IP address, browser type, device information, and Website usage data (via cookies or analytics tools like Google Analytics).

Scraped/Public Data: We may collect publicly available business data (e.g., from Google Maps, UCC filings, business registries) to generate leads, which may be combined with user-submitted data.

2. How We Use Your Information

We use your information to:

Connect you with third-party MCA providers for funding consideration.

Process applications and verify eligibility through providers.

Send marketing communications (e.g., emails, SMS) about funding opportunities, subject to your consent.

Improve our Website and services via analytics.

Comply with legal obligations, such as data reporting under Dodd-Frank Section 1071 (small business lending data to CFPB, effective 2025).

3. Data Sharing

Third-Party Providers: We share your information with MCA providers to facilitate funding applications. These providers have their own privacy policies, which we encourage you to review.

Service Providers: We may share data with vendors (e.g., GoHighLevel for CRM, analytics tools) for operational purposes, under strict confidentiality agreements.

Legal Compliance: We may disclose data if required by law, court order, or to protect our rights.

International Data: If we source data from international sources (e.g., freelance platforms), we ensure compliance with applicable laws, such as GDPR for EU residents (e.g., explicit consent, data minimization).

4. Data Security

We implement reasonable security measures (e.g., SSL encryption, secure servers) to protect your data. However, no system is completely secure, and we are not liable for unauthorized access or breaches beyond our control.

5. Your Rights

Access and Correction: You may request access to or correction of your data by contacting us at [email protected].

Opt-Out: To stop receiving marketing communications, click the unsubscribe link in emails, reply “STOP” to SMS, or contact us. Opt-outs are processed within 10 business days, per CAN-SPAM Act requirements.

State-Specific Rights: In regulated states (e.g., CA, NY), you may be entitled to disclosures about data collection or sharing. Submit requests to the above email.

GDPR (If Applicable): For EU residents, you have rights to access, rectify, erase, or restrict data processing, subject to legal exceptions.

6. Cookies and Tracking

We use cookies and similar technologies to enhance user experience and track Website usage. You can manage cookie preferences via your browser settings. Disabling cookies may limit Website functionality.

7. Data Retention

We retain your data only as long as necessary for the purposes outlined (e.g., lead generation, application processing) or as required by law. Typically, data is deleted within 12 months of inactivity, unless needed for compliance (e.g., CFPB reporting).

8. Third-Party Websites

Our Website may link to third-party sites (e.g., MCA providers). We are not responsible for their privacy practices or content. Review their policies before submitting data.

9. Children’s Privacy

Our services are not intended for individuals under 18. We do not knowingly collect data from minors.

10. Contact Us

For questions, requests, or complaints about these Terms or Privacy Policy, contact:
Aurea Growth Partners LLC
30 N Gould Ste R, Sheridan, WY 82801
Email: [email protected]
Phone: 1-678-329-3690

11. Compliance with Advertising Platforms

For ads on platforms like Google or Meta, we comply with policies requiring clear financial service disclosures, risk warnings, and no misleading claims (e.g., no “guaranteed approval”). Ads include our contact information and clarify our role as an ISO.

12. State and Federal Compliance

Federal: We adhere to CAN-SPAM Act (accurate email headers, unsubscribe options), FTC guidelines (no deceptive advertising), and Dodd-Frank Section 1071 (data reporting for fair lending).

State: In states with commercial financing laws (e.g., CA, CT, FL, GA, IL, KS, LA, MO, NY, TX, UT, VA), we ensure providers deliver required disclosures (e.g., amount financed, APR, fees). In FL, we include contact info in ads and avoid advance fees. In UT/CT, we note registration requirements for providers/brokers.

Penalties: Non-compliance may result in fines (e.g., $500-$10K per violation in CA; $53,088 per email under CAN-SPAM).

By using our Website or services, you acknowledge that you have read, understood, and agree to these Terms and Privacy Policy.