Privacy Policy

Privacy Policy of SMPL (smplbiz.com) and all related websites

Millennium Markets LLC, doing business as SMPL
8 The Green
Dover, DE 19901

At SMPL we take our ethical responsibilities and your privacy seriously by recognizing that your privacy is important. We have a strong commitment to providing excellent service to all of our merchants, visitors to this website, and other users of our products and services, including respecting your concerns about privacy. This Privacy Policy discloses how we collect personal information, the types of personal information we receive and collect, our use and disclosure of current and former customer information, as well as the steps that we take to safeguard your information. If you use this site, you understand and agree to the SMPL Privacy Policy in effect at the time of your use, and any other terms and conditions posted on the site. We hope that this disclosure will help increase your confidence in our products and services, and enhance your experience. Therefore, in compliance with industry standards and applicable federal and state regulations, we abide by the following Privacy Policy.

Information Collection and Use

This Privacy Policy applies to all users of our products and services ("Customers"), including those who have used our website ("Website"), which is owned and operated by Millennium Markets LLC d/b/a SMPL ("Owner"). Please note that this policy applies only to this Website and the services wherein SMPL determines the purposes or means of processing your personal information, and not to websites maintained by other companies or organizations to which we link, or business partners to whom we provide your information based on your requests relating to the product or service in which you are interested. For more information on those companies' or organizations' personal information practices, and your rights, please visit their respective privacy policies.

Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a natural person or household, such as a real name, postal address, e-mail address, telephone number, payment information, and account ID ("personal information"). Information that is aggregated, de-identified, or anonymized is not considered personal information.

We collect, use, and/or store the following types of personal information, either online or on the phone, and either automatically, from you directly, or from third parties, for the business purposes outlined in this Privacy Policy, depending on how you interact with us:

• Identifiers, such as full name, business name, postal/business address, internet protocol (IP) address, primary and secondary phone numbers, e-mail address, and account information.
• Payment and financial information, including bank account and routing numbers, card information, processing volume, and transaction details.
• Audio information, including voice recordings of telephone calls.
• Communications and other content, including information you may provide through web forms, chat, text, and other means.
• Internet or network activity, such as your interaction with our website and advertisements, and other information obtained from cookies and clear gifs, as described below.

Sensitive Personal Information

A subset of the personal information we collect may be considered "sensitive personal information" under applicable law. When we collect or process sensitive personal information, we do so with your consent or as permitted by applicable law, and solely for the purposes of providing our Services (such as underwriting and identity verification). SMPL does not sell your sensitive personal information and does not use it for targeted advertising.

Depending on your state of residence, you may request that the use of your sensitive personal information be limited (see the "Your Privacy Rights" section below) or by contacting us at (833) 216 2330.

When We Collect Personal Information

We may collect personal information at the following times:

1. when you register to receive communications from this Website;
2. when you seek information or apply for products and services offered through this Website;
3. when you provide personal information to us through feedback, surveys, or other forms hosted on this site;
4. when you visit our Website, including through cookies and clear gifs, as described below; and
5. when you contact us.

Why We Collect Personal Information

We may collect your personal information in order to:

1. process and fulfill your requests for information, products, and services, including applications and payment processing;
2. verify identity, perform underwriting, and prevent fraud or abuse;
3. solicit your opinions and other feedback, and conduct research;
4. communicate with you about your account, applications, transactions, and support requests;
5. improve our products and services and maintain the security of our Website and systems;
6. evaluate or conduct a merger, restructuring, sale, or other corporate transaction in which personal information is among the assets transferred; and
7. comply with our legal, regulatory, and card-network obligations, and other lawful purposes.

Cookies and IP Addresses

To serve you more efficiently and effectively, we use "cookies" technology. A cookie is a piece of data stored on the user's device that contains information about the user. Cookies enable a website to personalize itself for each user and reduce the time it takes for pages to load. If you reject cookies, you may still use our site, but your ability to use some areas of our site may be limited. We also keep track of Internet Protocol (IP) addresses to administer the site and analyze usage trends.

Your browser or device may offer settings that allow you to choose whether browser cookies are set and to delete them. We permit some of our non-affiliated business partners (for example, analytics and advertising providers such as Google Analytics and the Meta/Facebook Pixel) to use cookies on our site. This Privacy Policy covers the use of our cookies only and does not cover the use of cookies by any third-party advertisers, whose practices are governed by their own policies. To learn more about cookies, visit allaboutcookies.org.

Clear Gifs

We may employ a software technology called clear gifs, also known as Web Beacons, that helps us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, used to track the online movement of web users. We may also use clear gifs in our HTML-based emails to let us know which emails recipients have opened, allowing us to gauge the effectiveness of our communications. If you would like to opt out of these emails, please see the opt-out instructions within any email you receive from us.

Telephone Calls and Recordings

You agree that telephone calls and conversations with us, and anyone we may transfer your telephone call to or from, may be recorded for quality, customer-service, compliance, and regulatory purposes. Where you provide your prior express consent, you may receive telephone calls and text messages from us at any telephone number that you provide. Consent is not a condition of purchasing any goods or services, and you can use our services or products without providing this consent by dialing the telephone number on our website.

SMS Communications

By opting in to receive SMS communications from SMPL, you consent to receiving account, application, customer-service, and — where you have agreed — promotional messages, updates, and offers via text message. Message frequency may vary. Standard message and data rates may apply. When you provide us your phone number, you represent that you are the subscriber and regular user of the phone number provided and agree to promptly inform us of any changes.

You may opt in by providing your mobile number and agreeing to receive texts (for example, by submitting a form, checking a consent box, or texting us). To stop receiving SMS messages at any time, reply STOP; you will receive a confirmation and will no longer receive messages from us. Reply START to opt back in, or HELP for assistance. You may also contact us at info@smplbiz.com or (833) 216 2330.

Information Sharing and Disclosure

SMPL does not sell your personal information, and does not share your personal information for cross-context behavioral / targeted advertising. We may disclose your personal information to the following categories of third parties, and/or under the following circumstances, in order to provide our Services:

• Service providers who perform services on our behalf, such as payment processors, sponsor banks, underwriting and identity-verification providers, hosting, analytics, email, and SMS delivery providers. These parties are bound by confidentiality obligations and are prohibited from using your personal information for any purpose other than the services they were engaged to provide.
• Payment networks and financial institutions, as necessary to process and settle payments and provide our Services.
• Partners and sales agents with whom you have chosen to engage, in order to facilitate the requests you have made.

Other Transfers of Information to Third Parties

We may additionally transfer information to third parties in the following situations:

• In some cases, we may use third-party vendors to operate portions of the SMPL website and/or to provide certain services, including information processing and communications. Information submitted through these vendors is subject to this Privacy Policy unless otherwise stated, and we require that all such third parties comply with our Privacy Policy and share only as much information as is necessary to provide their services.
• With other persons, if we believe it is necessary to (1) comply with applicable laws; (2) respond to governmental inquiries; (3) comply with valid legal process; or (4) protect the rights or property of SMPL, our websites, or other Customers.
• In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of the business. Any successor company will continue to be bound by this Privacy Policy unless it is modified as described in this policy.

As stated above, mobile opt-in and SMS consent information is never provided to any third party for their own marketing purposes.

Marketing Opting-Out

We provide you the opportunity to "opt out" of having your personal information used for certain purposes. You may decline to provide personal information to us and/or refuse cookies in your browser, although some of our features or services may not function properly as a result.

If you no longer wish to receive newsletter and promotional communications, you may opt out by following the instructions included in each communication, by replying STOP to text messages, or by emailing or calling us using the information on our contact page. Please note that SMPL can only control its own mailing list and policies; our business partners may maintain their own mailing lists, and you may need to contact those parties directly to stop receiving their communications.

Third Party Links

This Privacy Policy applies to all information that SMPL collects. However, when you visit websites to which SMPL provides a link, keep in mind you will be interacting with a third party that operates under its own privacy and security policies and terms of use. If you choose to obtain certain services through a third-party site, the data collected by the third party is governed by that third party's privacy policy. We encourage you to review the privacy policies and terms of use of any other service provider from whom you request services.

Minors

You must be at least 18 years old to use this website. We do not knowingly collect, use, or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you may not use the services offered on our website unless they are used with the consent, permission, and supervision of your parents or guardians.

Updating Your Information

If you want to access or update the personal information you submitted to SMPL, please e-mail us at info@smplbiz.com or write to us at the following address:

Millennium Markets LLC d/b/a SMPL, Attn: Customer Care
8 The Green
Dover, DE 19901

Questions and Suggestions

If you have any questions, concerns, or suggestions about our Privacy Policy, you may contact us:

1. By sending an email to: info@smplbiz.com
2. By calling: (833) 216 2330
3. By sending a letter to: Millennium Markets LLC d/b/a SMPL, 8 The Green, Dover, DE 19901

Retention

Unless otherwise stated above, SMPL retains personal information only as long as required to fulfill the purposes described above, or as required by law. We use the following criteria to determine how long to retain personal information:

• Our relationship with you, and the products and services we provide to you;
• Your requests to us regarding your information, or our products or services;
• Any legal obligations to retain the data, or for our own legal purposes (such as enforcing our agreements or litigation); and
• Technical considerations, and the level of protections in place for your personal information.

Changes to this Privacy Policy

SMPL reserves the right to update or modify this privacy statement at any time. The provisions contained in this Privacy Policy supersede all previous notices or policies regarding our privacy practices. We encourage you to check our site frequently to see the current privacy statement. Upon any material changes, we will post those changes to this Privacy Policy and/or other places we deem appropriate so that you are aware of such changes. Our Privacy Policy will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Policy, or we will obtain your consent as required by applicable law.

Your Privacy Rights

Under some U.S. state laws, residents may have certain privacy rights. Depending on where you reside in the U.S., you may have some or all of the rights described below. Certain requests may require verification, which involves matching data you provide through your request with data that we have previously collected.

Access / Portability

You may request confirmation of whether your information is being processed and a report of the personal information collected about you, the categories of sources from which it was collected, the purpose of collection, and the categories of third parties with whom your personal information was shared. To request your report, contact us at (833) 216 2330 or info@smplbiz.com.

Correction

You may have the right to request that any personal information held by our business is corrected and that accurate information is on file. To request a correction, contact us using the details above.

Deletion

You may have the right to request that we delete your personal information, though this right may be subject to exceptions, including data necessary to perform a contract or comply with legal obligations. To request deletion, contact us using the details above.

Opt-Out of Sale or Sharing of Your Data

SMPL does not sell or share your personal information for targeted advertising. Where applicable, you may nonetheless direct us not to share your personal information by contacting us using the details above. We honor opt-out preference signals from Global Privacy Control ("GPC") where required by law.

Limit Use and/or Disclosure of Sensitive Personal Information

Depending on where you reside, you may have the right to request limited use and disclosure of your sensitive personal information. We do not collect or process sensitive data without your consent or as otherwise permitted by law, and we use it solely to provide our Services.

Non-Discrimination

If you choose to exercise any of the rights set forth above, you have the right not to be discriminated against for exercising these rights. SMPL shall not deny any good or service to you, charge you a different price, or provide a different level or quality of service due to your exercising any of your rights under applicable law.

Appeal

You may have the right to appeal our decision if we decline to process your request. You may do so by contacting us at (833) 216 2330 or by mailing a statement of the reasons for your appeal to: Millennium Markets LLC d/b/a SMPL, Attn: Customer Care, 8 The Green, Dover, DE 19901.

California's Shine the Light Law

Companies that collect personal information from California residents and disclose such information to third parties for those third parties' direct marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which it was provided, or (2) provide a mechanism to opt out of having information shared. SMPL does not share your personal information with third parties for their own direct marketing purposes. If you are a California resident and have questions, you may send your request — including your full name, email address, and postal address — to info@smplbiz.com.

PLEASE RETAIN A COPY OF THIS POLICY FOR YOUR RECORDS.

LAST UPDATED 06-02-2026