Terms & Conditions

MARCO CAPITAL INC. ("Marco", "we", "our", or "us") provides the information and materials on this website to its website visitors for informational purposes only. While we hope that said information and materials will be of interest to our visitors, Marco makes no guarantee or warranty as to their accuracy or completeness.

Furthermore, the content of the information and publications contained in the website is, in the majority of cases, general in nature and cannot be applicable to every particular case.

In no way should the material or information herein contained be construed as legal advice from Marco.

If you have any doubts or queries in connection with this notice, please contact us at marco@marcofi.com

The contents of this site are protected by copyright, under applicable laws. Users are permitted to read the contents and make copies for their own personal use. They may also give copies (in paper or electronic form) of reasonable extracts on an occasional basis, free of charge, to colleagues and clients for their personal use, on terms that (i) Marco is acknowledged as the source, (ii) the text is not altered in any way and (iii) the attention of recipients is drawn to this Warning.

All other use and copying of any of the contents of this site, whether directly or by means of a hypertext link, is prohibited unless the prior written consent of a partner of Marco is obtained. Marco is committed to safeguarding the privacy of visitors to our Web site.

The firm is not responsible for any third-party content that may be accessed through this site.

Electronic mail or other communications through this site to Marco (or any of its lawyers, other employees, agents or representatives) are not secure. Accordingly, the Marco does not guarantee the confidentiality of such communications.

In general, you are not required to provide any personal information in order to consult our Web site. However, you may elect to contact us by completing the form provided on the “Contact Us” page of this site, in which case we ask you to provide your name, telephone number and email address. We will use your information only to contact you and provide you with the information that you have requested. Please note that in order to process your query, we may be required to share your information, but we will not share your personal information with any third party, except as required by law.

We may also use your information to contact you, in order to ask whether you would like to receive information from Marco about events, publications and services provided by the firm that may be of interest to you, but we will not add you to any of our mailing lists without your explicit consent.”

Privacy Policy

Marco Capital Inc. is committed to protecting and respecting your privacy.

Our approach to privacy

This privacy policy sets out how we collect, store, process, transfer, share and use data that identifies or is associated with you ("personal information") when you use our website at https://marcofi.com/ (the "Site"), use our services or otherwise interact with us.

About Us

Marco Capital Inc. is the data controller of the personal information we hold about you. Our registered and postal address is 1111 Brickell Ave, Miami, FL, 33131.

Personal information we collect about you and how we use it. 

Generally, we:

  1. collect personal information that you voluntarily submit to us, such as your contact details and identification information, when you use our Site or our invoice financing services, act as a Marco representative or otherwise interact with us by email, at online and physical events or in the course of our business activities;


  1. may also collect personal information from third parties, such as background checking service providers, social networks, public databases (where permitted by law), corporate websites, your business associates (including your buyers / suppliers), Marco representatives who may invite you to use our services and our partners where we carry out joint business activities; and,


  1. may automatically collect personal information about how you access and use the Site and information about the device you use to access the Sites and our newsletters (such as the pages you visit).


If you create an account using your Google login details, you give Google permission to share with us your name, email address, language preference, and profile picture (if you have one).


We use the information we collect in relation to you to correspond with you, perform our agreements (including with you or the organization you represent), comply with our regulatory responsibilities and policies such as anti-money laundering, carry out marketing activities and day-to-day business activities and operations.


We may link or combine the personal information we collect about you and the information we collect automatically. This allows us to provide you with a personalized experience regardless of how you interact with us.


We will indicate to you where the provision of certain personal information is required in order for us to provide you certain services. If you choose not to provide such personal information, we may not be able to provide the services you have requested.


Analytics and Research

We may use personal information that we collect about you for purposes that include testing our IT systems, research, data analysis, improving our Site and developing our invoice financing services and new products and features. Where appropriate, we will anonymise your information for these purposes.

Data Retention

We will store the personal information we collect about you for no longer than necessary for the intended purposes, in accordance with our legal obligations and legitimate business interests.

To determine the appropriate retention period for personal information, we consider the amount, nature and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, as well as the applicable legal, regulatory, tax, accounting or other requirements.

Recipients of personal information

We may share your personal information with the following:


  1. Service providers and advisors: we may share your personal information with third party vendors and other service providers that perform services for us or on our behalf, which may include providing email, advertising, fraud prevention, background and anti-money laundering checks, web hosting, or providing analytic services.


  1. Business partners: we may share your personal information (such as contact details) with our business partners, such as trade credit providers, where this is necessary in the normal course of our business.


  1. Purchasers and third parties in connection with a business transaction: your personal information may be disclosed to third parties in connection with a transaction, such as a merger, sale of assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business.


  1. Law enforcement, regulators and other parties for legal reasons: we may share your personal information with third parties as required by law or if we reasonably believe that such action is necessary to (i) comply with the law and the reasonable requests of law enforcement; (ii) detect and investigate illegal activities and breaches of agreements; and/or (iii) exercise or protect the rights, property, or personal safety of Marco, its users or others.


Marketing and advertising

From time to time, we may contact you with information about our products and services, including sending you marketing messages and asking for your feedback on our products and services.

Most marketing messages we send will be by email. For some marketing messages, we may use personal information we collect about you to help us determine the most relevant marketing information to share with you.

We will only send you marketing messages if we have your consent or, if consent is not required under applicable law, you have not opted out of receiving messages from us. You can withdraw your consent or opt out of receiving further communications at a later date by clicking on the unsubscribe link at the bottom of our marketing emails.

Storing and transferring your personal information

Security.

We implement appropriate technical and organizational measures, including encryption, to protect your personal information against accidental or unlawful destruction, loss, change or damage. All personal information we collect will be stored on our secure servers. We will never send you unsolicited emails or contact you by phone requesting your account ID, password or national identification numbers.

Your rights in respect of your personal information

In accordance with applicable privacy law, you have the following rights in respect of your personal information that we hold:

Right of access.

You have the right to obtain access to your personal information.

Right of portability. 

You have the right, in certain circumstances, to receive a copy of the personal information you have provided to us in a structured, commonly used, machine-readable format that supports re-use, or to request the transfer of your personal data to another person.

Right to rectification.

You have the right to obtain rectification of any inaccurate or incomplete personal information we hold about you without undue delay.

Right to erasure.

You have the right, in some circumstances, to require us to erase your personal information without undue delay if the continued processing of that personal information is not justified.

If you wish to exercise one of these rights, please contact us.

You may also review and edit some of the personal information you have submitted to us by logging into your Marco account.

Right to restriction.

You have the right, in some circumstances, to require us to limit the purposes for which we process your personal information if the continued processing of the personal information in this way is not justified, such as where the accuracy of the personal information is contested by you.

Right to object.

You have a right to object to any processing based on our legitimate interests in certain circumstances. You can also object to our direct marketing activities for any reason by clicking the “unsubscribe” link set out in any marketing communication you receive.

Right to withdraw consent.

If you have provided consent to any processing of your personal information, you have a right to withdraw that consent.

Please note that the above rights are not absolute and we may be entitled to refuse requests, wholly or partly, where exceptions under the applicable law apply.

If you wish to exercise one of these rights, please contact us using the contact details at the end of this privacy policy. You may also review and edit some of the personal information you have submitted to us by logging into your account on our website.

Cookies and similar technologies

Our website uses cookies to distinguish you from other users of our website.

Links to third party sites

Our Site may, from time to time, contain links to and from third party websites, including those of our business partners, advertisers, news publications and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for their policies. Please check the individual policies before you submit any information to those websites.

Changes to this policy

We may update this privacy policy from time to time and so you should review this page periodically. When we change this privacy policy in a material way, we will update the "last modified" date at the end of this privacy policy. Changes to this privacy policy are effective when they are posted on this page.

Notice to you

If we need to provide you with information about something, whether for legal, marketing or other business related purposes, we will select what we believe is the best way to get in contact with you. We will usually do this through email or by placing a notice on our Site. The fact that we may send notices to you will not stop you from being able to opt out of certain types of contact as described in this privacy policy

Contacting us

If you have any questions, comments and requests regarding this Privacy Policy, you can contact us: https://www.marcofi.com/contact

This privacy policy was last modified on 25 May, 2022.

Category of personal information

How we use it Legal basis for processing

Contact details (name, business, email, phone number); employment information (job title, employer); account details (username, password and social media details (if applicable))

Provision of services

Marketing and advertising

Provision of customer support and to administer the Site (including troubleshooting and resolving technical issues)

To communicate with you regarding changes to our policies, other terms and other administrative information such as reminders, technical notices, updates and security alerts

Such processing is in our and your legitimate interests to ensure the organization you represent is provided with our services in accordance with our contract with that organization.

Either consent (if required under applicable law) or our legitimate interests, namely marketing and advertising to our contacts and customers to grow our business.

Such processing is necessary for our legitimate interests, namely to ensure we are able to resolve any issues you have in accessing the Site or using our services.

Such processing is necessary for our legitimate interests, namely to ensure you are aware of any changes to our policies, terms and other such technical updates.

Identification information (name, passport, utility bills and other identification information), background information

To conduct KYC checks on our clients’ directors

Compliance with a legal obligation.

If not required under law, then such processing is in our legitimate interests to ensure we are engaging with suitable businesses to protect our own business.

Contact details (name, email, phone number)

To provide you with information and materials that you request from us

It is in our legitimate interests to respond to your queries and provide any information and materials requested in order to generate and develop business.

Technical information (IP address, browser type, internet service provider, device identifier, your login information, time zone setting, browser plug-in types and versions, preferred language, activities, operating system and platform, and geographical location);

Usage data (clickstream to, through and from the Site, pages you viewed and searched for, page response times, length of visits to certain pages, referral source/exit pages, page interaction information (such as scrolling, clicks and mouse-overs), date and time pages are accessed, and website navigation and search terms used)

Analytics

Improve the Site to ensure that content is presented in the most effective manner for you

Marketing and Advertising

To ascertain your preferences

Consent.

Cookie policy

We use cookies and similar technologies (“cookies”) on our website (the "Site").

What are cookies?

“Cookies” are small text files, placed on a computer hard drive, that enable websites to remember a particular device. They are widely used to make websites work more efficiently for visitors and to provide website owners with traffic information.

Cookies allow the server to deliver personalized pages for users as cookies remember your preferences and make the interaction between you and the Site smoother and more efficient. When users load the Site, the browser retrieves their previous activity. This allows the browser to keep the user logged in and many other functions that make the navigation more effective.

Without cookies, we may not be able to provide certain services or features, and the Site will not work as efficiently as intended. You can turn cookies off, but if you do this you may not be able to access some services on the Site.

Setting and storing cookies

Cookies may be set either by the website you are visiting (“first party cookies”) or by third party websites that run content on the website you are viewing (“third party cookies”). They may be stored either for the duration of your visit to the website or for repeat visits.

Different types of cookies

There are four main types of cookie:

Strictly necessary cookies: These cookies are essential to enable you to login, navigate around and use the features of a website, or to provide a service requested by you. We do not need to obtain your consent in order to use these cookies.

Functionality cookies: These cookies allow a website to remember choices you make (such as username, language, or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local weather reports or traffic news by using a cookie to store information about the region in which you are currently located. The information these cookies collect remains anonymous and they cannot track your browsing activity on other websites.

Performance cookies: These cookies collect information about how you use a website, for example which pages you go to most often, and record difficulties you may experience while using the website, for example error messages. All information collected by these cookies is aggregated and therefore anonymous. It is only used to improve the efficiency of the website.

Targeting cookies or advertising cookies: These cookies are used to deliver advertisements tailored to you and your interests. They are also used to limit the number of times you see an advertisement as well as to help measure the effectiveness of the advertising campaign. They remember that you have visited a website and this information is shared with other organizations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organization.

Consent to use cookies

We will ask for your permission (consent) to place cookies or other similar tracking technologies on your device, except where these are essential for us to provide you with a service that you have requested.

There is a notice on our home page which describes how we use cookies and requests your consent before we place any non-essential cookies on your device.

How to manage your cookie settings

There are various ways in which you can manage and control your cookie settings. Please note that, by deleting or blocking cookies, some or all of the websites you visit (or features of them) may not work properly or as effectively.

To find out more about cookies, including how to see which cookies have been set and how to manage and delete them, you can visit the third party website: www.allaboutcookies.org

Turning off cookies via your web browser

Most modern web browsers will provide you with some general information about cookies, enable you to see what cookies you have, allow you to delete them all or on an individual basis, and enable you block or allow cookies for all websites or individually selected websites. You can also normally turn off third-party advertising cookies separately.

Please note that if you adjust your cookie settings via your web browser then, unless you delete or block each cookie individually, the changes will apply to all websites that you visit – not just our website. You will also need to adjust your cookies on a browser-by-browser basis.

Updates to this cookie policy

We may update this cookie policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal or regulatory reasons.

The date at the bottom of this cookie policy indicates when it was last updated.

Contact us

If you have any questions or comments about this cookie policy, or privacy matters generally, please contact us at support@marcofi.com.

This cookie policy was last modified on 25 May, 2022.