Privacy Policy
Effective Date: September 21, 2026
Rapid Reconciliation ("Rapid Reconciliation," "Rapid," "we," "us," or "our") respects your privacy and is committed to protecting the information entrusted to us.
This Privacy Policy describes how Rapid Reconciliation collects, uses, maintains, protects, and discloses information when individuals or businesses visit RapidReconciliation.com, use our platform or services, communicate with us, or otherwise interact with Rapid Reconciliation.
1. Information We Collect
Depending on your interaction with Rapid Reconciliation, we may collect information including:
- Name
- Business name
- Job title
- Email address
- Telephone and mobile telephone numbers
- Business contact information
- Business and account information
- Commercial financing and merchant cash advance account information
- Reconciliation-related information
- Financial and transaction information
- Bank statements and related financial records
- Commercial financing agreements
- Documents submitted through our platform
- Communications with Rapid Reconciliation
- Email communications
- Telephone communications
- SMS communications
- Information provided by funders, brokers, referral partners, merchants, and other authorized parties
- Information received through authorized financial-data providers
- IP address
- Browser information
- Device information
- Website and platform usage information
- SMS consent records
- Communication preferences
2. How We Use Information
Rapid Reconciliation may use information to:
- Provide and administer Rapid Reconciliation services
- Facilitate and support reconciliation requests
- Review commercial financing agreements and account information
- Analyze financial and transaction information
- Communicate with merchants, funders, brokers, and authorized parties
- Request documents or additional information
- Provide account and reconciliation updates
- Schedule telephone calls and meetings
- Provide customer service and support
- Operate and improve our website and platform
- Maintain platform and information security
- Detect unauthorized activity, misuse, or fraud
- Maintain business and compliance records
- Satisfy legal and regulatory requirements
- Enforce contractual rights
- Protect Rapid Reconciliation, its customers, and other authorized users
3. SMS and Mobile Communications
Rapid Reconciliation may communicate by SMS with individuals who have provided appropriate consent.
SMS communications may relate to:
- Reconciliation requests
- Account information
- Document requests
- Appointment scheduling
- Status updates
- Customer-service communications
- Responses to customer inquiries
- Other service-related account communications
Message frequency may vary.
Message and data rates may apply.
Recipients may opt out at any time by replying STOP.
Recipients may reply HELP for assistance.
Consent to receive SMS communications is not a condition of purchasing or receiving Rapid Reconciliation services.
4. SMS Opt-In Data and Mobile Information
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
All categories of information sharing described in this Privacy Policy exclude text messaging originator opt-in data and consent. Text messaging originator opt-in data and consent will not be shared with any third parties.
Rapid Reconciliation does not sell mobile telephone numbers, SMS opt-in information, or SMS consent information.
Rapid Reconciliation does not share mobile telephone numbers, SMS opt-in information, or SMS consent information with third parties or affiliates for their marketing or promotional purposes.
SMS consent is specific to Rapid Reconciliation and is not transferable to another business or organization.
5. How We May Share Other Information
Rapid Reconciliation may disclose information when reasonably necessary to provide our services or operate our business.
Depending on the applicable relationship and authorization, information may be shared with:
- Merchants
- Funders
- Brokers
- Referral partners
- Authorized account participants
- Technology providers
- Hosting providers
- Communications providers
- Security providers
- Financial-data providers
- Professional advisers
- Attorneys
- Accountants
- Auditors
- Government agencies
- Courts
- Regulators
- Law-enforcement agencies where legally required
Information may also be disclosed where required to comply with applicable law, legal process, contractual obligations, protect rights or property, prevent fraud or misuse, or complete an authorized corporate transaction.
We do not sell personal information to third parties for their independent marketing purposes.
For avoidance of doubt, SMS opt-in data and consent are excluded from the information-sharing practices described above and will not be shared with third parties for marketing or promotional purposes.
6. Information Received from Funders, Brokers, and Referral Partners
Rapid Reconciliation may receive merchant or business contact information from a funder, broker, referral partner, or other authorized party in connection with an account or reconciliation matter.
Receipt of a telephone number from another party does not automatically constitute SMS consent.
Where SMS consent is required, Rapid Reconciliation separately obtains or records the recipient's consent before initiating applicable SMS communications.
7. Financial Information and Connected Services
Rapid Reconciliation may use third-party financial-data providers or authorized integrations to obtain financial information when authorized by the applicable user or account holder.
Such information may be used to provide, administer, analyze, and support Rapid Reconciliation services.
Third-party providers may maintain their own privacy policies and terms.
8. Service Providers
Rapid Reconciliation may engage service providers to perform functions supporting our business and platform, including:
- Website hosting
- Cloud infrastructure
- Communications
- Customer service
- Data processing
- Security
- Analytics
- Financial-data connectivity
- Professional services
Service providers are permitted to process information only as reasonably necessary to perform authorized services and are subject to applicable confidentiality, privacy, security, and contractual requirements.
SMS opt-in information and consent will not be provided to third parties for their own marketing or promotional purposes.
9. Information Security
Rapid Reconciliation maintains reasonable administrative, technical, and organizational safeguards designed to protect information from unauthorized access, alteration, disclosure, destruction, misuse, or loss.
However, no Internet transmission, electronic storage system, or technology platform can be guaranteed to be completely secure.
10. Data Retention
Rapid Reconciliation may retain information for as long as reasonably necessary to:
- Provide requested services
- Maintain account and business records
- Satisfy legal or regulatory obligations
- Resolve disputes
- Enforce agreements
- Maintain security records
- Prevent fraud
- Protect legitimate business interests
Retention periods may vary depending on the type of information and the purpose for which it was collected.
11. Communication Preferences
Recipients may manage their communication preferences by contacting Rapid Reconciliation.
For SMS communications:
Reply STOP to unsubscribe.
Reply HELP for assistance.
Rapid Reconciliation will honor valid opt-out requests in accordance with applicable requirements.
12. Cookies and Similar Technologies
Rapid Reconciliation may use cookies and similar technologies to:
- Operate the website
- Maintain security
- Analyze website usage
- Remember user preferences
- Improve website and platform functionality
Users may be able to control certain cookies through browser settings.
13. Third-Party Websites and Services
Rapid Reconciliation's website or platform may contain links to or integrations with third-party websites, applications, platforms, or services.
Rapid Reconciliation is not responsible for the independent privacy practices of third parties.
Users should review the privacy policies of third-party services they choose to use.
14. Children's Privacy
Rapid Reconciliation provides business-oriented services and does not direct its services toward children under the age of 13.
We do not knowingly collect personal information from children under 13.
15. Legal and Regulatory Disclosures
Rapid Reconciliation may disclose information where required by applicable law, subpoena, court order, regulatory requirement, governmental request, or other valid legal process.
We may also disclose information where reasonably necessary to protect the rights, security, and property of Rapid Reconciliation, its users, or others.
16. Changes to This Privacy Policy
Rapid Reconciliation may periodically update this Privacy Policy to reflect changes in our services, technology, business operations, or applicable requirements.
When this Privacy Policy is updated, the revised policy will be posted publicly and the Effective Date will be updated.
17. Contact Us
Questions regarding this Privacy Policy, privacy practices, or communication preferences may be directed to Rapid Reconciliation through the contact information available at: