A short, plain-English version of our Privacy Policy. If the two ever differ, the Privacy Policy is the one that counts.
What we see
- The business bank accounts you connect through Plaid, read-only: bank name, account type, masked account number, balances, and up to two years of transactions. On the monthly check, new transactions keep arriving until you disconnect.
- The agreements you upload: MCA agreements, renewal papers, funder letters.
- Your name, business details, email, phone, the plan you chose and whether it's paid.
What we never see
- Your bank login. You type it into Plaid, not into FairMCA, and we never store it.
- Your full card number. Our payment provider, Commas, handles it. We see the card type and last four digits.
The bank connection can only read. We cannot move money with it.
Who reads your agreement
Our review team, and an AI service (Anthropic) that helps read agreements and draft reports. A person on our team checks every report before you see it.
Who else handles your data, and why
- Plaid connects your bank. Commas takes payments. Salesforce holds customer records and our review queue. Render hosts the site and software. Microsoft 365 carries our email. Aircall handles calls, and texts only if you opted in.
- Our affiliate Streamlined Consultants Inc. runs the shared systems your data is kept on.
- If a partner sent you to us, we record who. We do not share your results with that partner.
We never sell your information, we don't share it for advertising, and we don't use it for any Streamline product unless you separately say yes.
How long we keep it
- One-time review: we remove the bank connection 30 days after your report, and delete your bank data and uploads within 24 months, or sooner if you ask.
- Monthly check: we remove the bank connection within 30 days after your plan ends, and delete your bank data and uploads within 24 months after that, or sooner if you ask.
- Some records the law requires, like invoices and tax records, we keep longer. The Privacy Policy lists them.
How it's protected
Encryption in transit and at rest, staff access only where needed with multi-factor sign-in, and a log of who opened what.
Your choices
- Disconnect your bank any time: contact us, or use Plaid's own portal at my.plaid.com. Disconnecting doesn't end a paid plan unless you also end the plan.
- Get a copy, fix something, or have it deleted: hello@fairmca.com or (845) 535-1480. We answer within 30 days, and if we can't delete something, we tell you why.