How information submitted through this website is handled.

1. Who handles the information

Nicolas Lescalier operates this website in his professional capacity as a commercial finance broker and Senior Funding Advisor at Premium Merchant Funding (“PMF”). Nicolas and PMF may use submitted information to respond to requests, evaluate possible financing paths, and communicate with appropriate third-party financing providers.

Privacy questions can be sent to nlescalier@pmfus.com.

2. Information collected

Information you submit may include your name, business email, phone number, company name, industry, operating state, time in business, revenue range, requested amount, use of proceeds, existing debt, estimated credit range, and other context you choose to provide.

The website may also collect technical and attribution information such as IP address, browser and device data, pages visited, referring page, landing page, entry path, campaign parameters, and advertising click identifiers. Calculators operate in the browser; scenario details are transferred only when you choose to carry them into a financing request.

3. How information is used

• Respond to an inquiry or financing request
• Evaluate likely product fit and required next information
• Prepare or route a request to appropriate third-party financing providers
• Communicate about the request by phone, email, or service-related text
• Send marketing texts only when separate optional consent has been provided
• Measure website use, campaign performance, and form completion
• Detect spam, protect the website, and comply with legal obligations

4. When information may be shared

Submitted information may be shared with PMF personnel, prospective lenders, funders, brokers, banks, service providers, and other financing sources when reasonably necessary to evaluate or process the business-purpose request. Information may also be shared with vendors that support website hosting, form delivery, analytics, communications, compliance, security, or professional advice.

The forms are processed through Formspree, and website analytics are provided through Google Analytics. Those services may process information under their own terms and privacy practices. Information may also be disclosed when required by law, to protect rights or security, or as part of a business or professional transition.

SMS consent data is not sold or shared with third parties or affiliates for their own marketing purposes. This restriction does not prevent sharing information needed to deliver messages, provide requested services, prevent fraud, or comply with law.

5. Cookies, analytics, and attribution

The website uses Google Analytics and browser storage to understand page use, preserve campaign attribution, and measure actions such as calculator use, application starts, form submissions, and booking clicks. Google Analytics may use cookies or similar technologies. Browser settings can be used to limit cookies, although some attribution or measurement features may stop working.

6. Sensitive information

Do not submit Social Security numbers, full bank statements, tax returns, bank-account or routing numbers, bank login credentials, government IDs, passwords, or similar sensitive documents through public website forms. If sensitive information is required later, use only the secure method specifically provided for that purpose.

Submitting the public form does not itself authorize a credit pull. Any credit authorization should be presented separately by the applicable provider.

7. Retention and security

Information is retained only as reasonably needed for the financing request, communications, business records, fraud prevention, dispute handling, and legal or compliance obligations. Retention periods may vary depending on whether a request proceeds and which providers are involved.

Reasonable administrative and technical safeguards are used, but no email, public form, or internet transmission can be guaranteed completely secure.

8. Cross-border processing

Nicolas operates from Canada while supporting U.S. business-purpose financing requests through PMF and third-party providers. Information may therefore be processed or stored in Canada, the United States, or other locations used by service providers, where privacy laws may differ.

9. Your choices

• Marketing texts: reply STOP to opt out or HELP for assistance.
• Email marketing: use the unsubscribe method in the message or contact Nicolas directly.
• Privacy requests: ask to access, correct, or delete information, subject to identity verification and applicable retention obligations.
• Cookies: adjust browser settings to limit cookies or clear stored data.

Requests can be sent to nlescalier@pmfus.com. Applicable law may provide additional rights depending on your location.

10. Children and policy changes

This website is intended for business owners, operators, and commercial real-estate participants, not children under 18. The policy may be updated as the website, providers, or legal requirements change. The effective date above will be revised when material changes are published.