Last Updated: December 19, 2025
Entity: Business Credit America, Inc. (“HoustonMcMiller.net,” “us,” or “we”)
Contact: houston@businesscreditamerica.com | 269 S Beverly Dr #725, Beverly Hills, CA 90212
1. OVERVIEW AND SCOPE
Business Credit America, Inc. is committed to protecting the privacy of our users. This Policy describes the information we collect and how we use, disclose, and protect that data. By using HoustonMcMiller.net or 3WayFunding.com, you consent to the practices described herein. We act as a financial lead generator and informational provider; we are not a lender or credit grantor.
2. TYPES OF INFORMATION COLLECTED
We collect information that identifies, relates to, or could reasonably be linked to you (“Personal Information”).
- Identifiers: Name, email, phone number, physical address, and IP address.
- Sensitive Personal Information (SPI): In specific loan applications, we facilitate the collection of Social Security Numbers (SSN), Driver’s License numbers, and precise geolocation. We do not store SSNs on our local servers; they are encrypted and passed directly to the specific lender you authorize.
- Financial & Professional Data: Income, employment history, creditworthiness indicators, and business formation details.
- Technical Data: Browser type, device identifiers (UDID/IDFA), and interaction data.
3. FCC & TCPA CONSENT (TELEPHONE & SMS DISCLOSURES)
In compliance with the 2025 FCC Lead Generation Rule and the Telephone Consumer Protection Act (TCPA):
- One-to-One Consent: By submitting a request for a loan or financial product, you provide “prior express written consent” for us to share your information with the specific lender(s) or partner(s) clearly identified on the submission form.
- Communication: You authorize HoustonMcMiller.net and our identified partners to contact you via live, autodialed, or prerecorded calls and SMS/MMS text messages at the number provided, even if your number is on a federal or state “Do Not Call” registry.
- No Purchase Required: Consent is not a condition of purchase but is required for us to provide our lead-matching services. You may revoke this consent at any time.
4. MICROSOFT CLARITY AND ADVERTISING DISCLOSURE
We partner with Microsoft Clarity and Microsoft Advertising to capture how you use our website.
- Behavioral Tracking: We use heatmaps and session replays to improve our products and detect fraud.
- Microsoft’s Use of Data: Microsoft collects or receives Personal Data from you to provide Microsoft Advertising. This allows Microsoft to serve relevant ads to you across their network. By using our site, you consent to this data collection by Microsoft. For more information, visit the Microsoft Privacy Statement.
5. GLBA FINANCIAL PRIVACY NOTICE
Because we handle “Nonpublic Personal Information” (NPI) such as credit intent and income, we comply with the Gramm-Leach-Bliley Act (GLBA).
- Sharing Restrictions: We do not disclose NPI to non-affiliated third parties except as permitted by law to fulfill your specific request for a financial product.
- Safeguards: We maintain physical, electronic, and procedural safeguards to protect your NPI.
6. PROFILING AND AUTOMATED DECISION-MAKING
We use automated systems (often referred to as a “ping-tree”) to match your profile with lenders. This constitutes “profiling.” These systems analyze your data to determine which lenders are most likely to offer you credit. You have the right to opt-out of this profiling, though doing so will prevent us from providing our matching services.
7. MULTI-STATE CONSUMER PRIVACY RIGHTS
Depending on your state of residence (CA, VA, CO, CT, UT, etc.), you have specific rights:
- Right to Access & Correct: Request a copy of your data and correct inaccuracies.
- Right to Delete: Request the deletion of your personal data, subject to legal retention requirements.
- Right to Opt-Out of Sale/Sharing: You may opt-out of the “sale” of your data or its use for targeted advertising.
- Right to Limit SPI: You may limit our use of Sensitive Personal Information (like SSNs) to only what is necessary to perform our services.
- Right to Appeal: If we deny your privacy request, you have the right to appeal our decision by contacting us at houston@businesscreditamerica.com.
8. “DO NOT TRACK” (DNT) SIGNALS
Pursuant to the California Online Privacy Protection Act (CalOPPA), we disclose that our website does not currently respond to “Do Not Track” signals from browsers, as no uniform industry standard for such signals currently exists.
9. ANTI-SPAM AND CAN-SPAM COMPLIANCE
We strictly prohibit the harvesting of email addresses and the use of our services to send unsolicited commercial emails. Unauthorized use of our systems to transmit spam may result in civil and criminal penalties under the CAN-SPAM Act. Our emails are managed via systeme.io, and every marketing email contains a clear “Unsubscribe” link.
10. AGE RESTRICTIONS (COPPA)
Our services are not intended for individuals under the age of 18. We do not knowingly collect or solicit data from children. If we discover a minor has provided us with data, we will delete it immediately.
11. DATA SECURITY AND INTERNATIONAL TRANSFERS
- Storage: Your data is stored on secure servers hosted by Hostgator. We use SSL encryption for all data transmissions and coordinate data processing with our email partner, systeme.io.
- International: We operate in the United States. Users from the European Economic Area (EEA) or other regions consent to the transfer of their data to the US, where data protection laws may differ.
12. DATA RETENTION
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Policy, comply with legal obligations (such as financial record-keeping), or resolve disputes. You can request to remove your information at: https://houstonmcmiller.net/opt-out/
13. HOW TO EXERCISE YOUR RIGHTS
To exercise your rights to delete, access, or opt-out, please use one of the following methods:
- Email: houston@businesscreditamerica.com
- Web Form: Visit our [Remove My Personal Information] page.
- Mail: Business Credit America, Inc., 269 S Beverly Dr #725, Beverly Hills, CA 90212
By continuing to use HoustonMcMiller.net, you acknowledge that you have read and understood this Privacy Policy.
