What we store, and what we stay out of.
A plain-language notice for people whose business appears in a Texas UCC filing. It is written to be read, not to be survived.
What this tool is
A research and prospecting tool
MCA Refinance reads public Texas UCC financing statements so a lender or broker can find businesses that have recently taken on commercial financing, and reach the person who can talk about it. That is the whole product.
What we store
- Public filing records — debtor, secured party, county, recording date and filing number, as recorded with the Texas Secretary of State.
- Business entity details — legal name, entity status, registered address, and officers where the state publishes them.
- Business contact details — a principal's name, role and business contact channel, with the source recorded against each field.
- Consent and opt-out status — recorded on the contact itself, so it travels with the person.
- Outreach history — calls, emails, notes and next steps recorded by whoever works the lead.
What we do not do
- We do not make credit decisions, score creditworthiness, approve, decline or qualify a borrower.
- We do not perform regulatory compliance determinations, and we do not provide legal or compliance advice.
- We do not underwrite, price, or onboard anyone.
- We do not sell contact data, and we do not license the dataset to data brokers.
- We do not collect consumer credit information, bank balances, tax records, or any other non-public financial data.
Consent and opt-out
A request to stop being contacted is recorded against the contact and suppresses outreach from that point forward. It does not expire and it is not overridden by a new filing.
Retention
- Raw filing records are kept for 24 months, then purged.
- Lineage and change history are kept for 7 years, so that any record can be traced to its source.
- Opt-out records are kept for as long as the contact exists in the system.
Who sees it
Access is limited to the named people working the account, through an authenticated session. Every change is written to an append-only log with an actor and a timestamp, and the log cannot be edited in place.
Asking about your record
To see what we hold about you, correct it, or have outreach stopped, write to hello@mca-refinance.example with the business name and the filing you have in mind.
This notice describes how the product handles data. It is not legal advice and it is not a certification of compliance with any statute or regulation. Where a client's own obligations apply — including those that attach to making or servicing a loan — those obligations sit with the client, in the client's systems and under the client's policies.