Terms & Conditions

Who We Are

We are ArkCare Financial, a dba of Wealth-Assurance Partners, LLC. Our website address is: ArkCareFinancial

This privacy policy applies to all information we collect when you apply for loans or services on our website or on our partners’ websites. This Privacy Policy refers to our websites, mobile applications, and other products and services collectively as the “Services.” ArkCare Financial and its partners reserve the right to change or modify their pre-approval criteria or business loan or cash advance criteria at any time, along with any other data or information listed on this site, and some exceptions may be required.

Find out more about the program by contacting a rep and reviewing the terms and conditions on your loan documents.

Disclaimer regarding privacy policy:

The ArkCare Financial website does not claim nor accept responsibility for any privacy policies, practices, and/or procedures of our partners’ websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that gathers personally identifiable information. This privacy policy agreement applies only to the information we collect.

Disclaimer regarding pre-approval for all loans:

We offer pre-approval for business loans and merchant cash advances if you meet the basic criteria. Answers to your questions about the pre-approval process must be verified by the documents we request, such as bank statements, merchant statements, verbal verifications, etc. Before the actual approval can be issued along with the loan terms, It is only possible to receive funding on the same day.

To close the loan, the merchant must cooperate and send ArkCare Financial or our partners the proper documents. A potential borrower is typically responsible for the speed at which the business loan closes and the funding of their business checking account.

Encryption and Privacy Process:

Customers’ online transactions are secured with positive SSL certificates. Your data is securely encrypted with the strongest algorithms available when you submit it over an HTTPS connection.

• Customers’ purchases are further protected by a $50,000 warranty on the SSL certificate
• This website’s owners have shown their commitment to customer security by choosing Positive SSL

When you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. As soon as you close your browser, this cookie is discarded. It contains no personal information.

In addition to saving your login, information, and preferences for screen display when you log in, we will also set up several cookies on your computer. A login cookie lasts for two days, while a screen options cookie lasts for a year. You can access the site for two weeks if you select “Remember Me”. Logout cookies will be removed if you log out of your account.

Additional cookies will be saved in your browser if you edit or publish an article. No personal data is stored in this cookie; it only indicates the post ID for the article you just edited. There is a one-day expiration date on it.

There may be embedded content in articles on this site (e.g, videos, images, articles, etc.). Embedded content behaves the same as if the visitor had visited the other website. Cookies may be used on these websites, third-party tracking may be embedded, and these websites may monitor your interactions with the embedded content. If you have an account and are logged into that website, those websites may also track your interactions with the embedded content.

If you upload images to the website, you should avoid putting embedded location data (EXIF GPS) in the images. The website offers visitors the option to download images and extract location data from them.

Data Retention and Sharing:

Comments: To help detect spam, we collect the IP address and user agent string of visitors who leave comments on the site. You may be required to provide Gravatar with an anonymized string derived from your email address in order to see if you use it. This string is also called a hash.

Gravatar’s Privacy Policy can be found here: https://automattic.com/privacy/. As soon as your comment is approved, your profile picture will be visible to the public.

Data use: We collect your information to ensure delivery of the services you need and request. At times, we may use identifiable information to keep you informed about new products or services available to you.

Unsubscribe or opt-out: All users and visitors to our website have the option to discontinue receiving communications from us via email or newsletters. To discontinue or unsubscribe from our follow-ups please send an email asking to unsubscribe to unsubcribe@arkcarefinancial.com

Who do we share your data with?

If you request a password reset, your IP address will be included in the reset email.

Where can we send your data?

An automated spam detection service may be used to check visitor comments.

How long do we retain your data?

The metadata associated with comments is retained indefinitely. This allows us to automatically recognize and approve follow-up comments instead of holding them for moderation.

In our user profiles, we store the personal information of users that register on our website (if any). Users can access, edit, or delete their personal information at any time (except their username). Additionally, website administrators can edit that information.

What rights do you have to your data?

You can request an exported file of your personal data if you have an account on this site, or have left comments. Your data includes anything you provided. Additionally, you can request that we erase your personal data. Exceptions include data required to be kept in order to comply with laws, regulations, or for security reasons.

Our refund and return policy lasts 30 days. If 30 days have passed since your purchase, we can’t offer you a full refund or exchange.

To be eligible for a return, your item must be unused and in the same condition as when you received it. It must also be in the original packaging.

Several types of goods are exempt from being returned. Perishable goods such as food, flowers, newspapers or magazines cannot be returned. We also do not accept products that are intimate or sanitary goods, hazardous materials, or flammable liquids or gases.

Additional non-returnable items:

• Gift cards
• Downloadable software products
• Some health and personal care items

To complete your return, we require a receipt or proof of purchase.

Please do not send your purchase back to the manufacturer.

There are certain situations where only partial refunds are granted:

• Book with obvious signs of use
• CD, DVD, VHS tape, software, video game, cassette tape, or vinyl record that has been opened.
• Any item not in its original condition, is damaged or missing parts for reasons not due to our error.
• Any item that is returned more than 30 days after delivery

Refunds

Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.

If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within a certain amount of days.

Late or missing refunds

If you haven’t received a refund yet, first check your bank account again.

Then contact your credit card company, it may take some time before your refund is officially posted.

Next contact your bank. There is often some processing time before a refund is posted.

If you’ve done all of this and you still have not received your refund yet, please contact us at {email address}.

Sale items

Only regular priced items may be refunded. Sale items cannot be refunded.

Exchanges

We only replace items if they are defective or damaged. If you need to exchange it for the same item, send us an email at {email address} and send your item to: {physical address}.

Gifts

If the item was marked as a gift when purchased and shipped directly to you, you’ll receive a gift credit for the value of your return. Once the returned item is received, a gift certificate will be mailed to you.

If the item wasn’t marked as a gift when purchased, or the gift giver had the order shipped to themselves to give to you later, we will send a refund to the gift giver and they will find out about your return.

Shipping returns

To return your product, you should mail your product to: {physical address}.

You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.

Depending on where you live, the time it may take for your exchanged product to reach you may vary.

If you are returning more expensive items, you may consider using a trackable shipping service or purchasing shipping insurance. We don’t guarantee that we will receive your returned item.

Need help?

Contact us at {email} for questions related to refunds and returns.