Terms of Service & Privacy Policy

Aquamark (“Aquamark”, “we”, “us”) provides document watermarking, leak-deterrence, and certification services for brokers and funders in the commercial finance industry.

1) What We Do

Aquamark watermarks documents to deter unauthorized sharing and help identify potential leak points. We serve:

Brokers

Example: 5 files sent to 5 funders = 25 billable files.

Funders

SecureFunder™ Certification

SecureFunder™ Certification includes a one-time enrollment fee and an annual renewal fee to maintain certification status. Certification is based on documentation review and elements of self-reported internal controls.

Certification indicates that at the time of review, the funder represented adherence to data-handling controls. Because the process involves self-attestation and does not provide continuous monitoring, Aquamark does not guarantee certified funders are free from breaches, insider threats, or security failures. Certification may be suspended or revoked if standards are not maintained.

2) Document Handling

We do store uploaded logos to deliver your branding.

3) Data We Collect

• Account & contact information
• Billing & subscription data
• Usage logs (counts, timestamps, API usage)
• Technical logs (e.g., IP for abuse prevention and security)
• Support communications

4) How We Use Data

• Provide and improve our service
• Account and billing administration
• Fraud and misuse prevention
• Service notifications and support
• Compliance with legal obligations

5) Sharing

We do not sell personal information. We share data only with service providers (billing, cloud hosting, support tools) or when legally required.

6) Security

• Transport encryption (HTTPS/TLS)
• Restricted access & key management
• Audit logging & infrastructure hardening

Aquamark processes documents in memory only and does not store PDF contents. Because we do not maintain document storage systems, SOC 2 certification is not required at this time. As we scale, we may pursue SOC 2 or equivalent frameworks.

7) Your Responsibilities

• Use Aquamark only with lawful rights to process merchant files
• Maintain internal data-security practices
• Do not attempt to bypass or misuse watermarking

8) Billing & Cancellation

• Subscriptions auto-renew monthly
• Usage fees apply to billable files
• Cancel anytime; no refunds for partial periods

9) U.S. & State Privacy Rights

Aquamark primarily serves U.S. businesses and currently falls below thresholds requiring CCPA/CPRA designation as a “business.” Regardless, we honor reasonable requests to access or delete account data to the extent feasible.

Submit requests to [email protected].

10) International Users & GDPR Notice

Aquamark is based in the United States and currently serves U.S. business users. We do not actively target or market to EU/UK users.

If we later process data of individuals in the EU/UK, we will comply with GDPR and provide:

• Right to access, correct, delete, or export personal data
• Lawful basis disclosures
• Data Processing Agreement (DPA) where appropriate
• Transfer mechanisms & safeguards

Until then, we honor reasonable privacy requests consistent with U.S. law.

11) Disclaimers & Limitations

• No guarantee of preventing all leaks or insider misuse
• Total liability limited to fees paid in prior 3 months
• You indemnify Aquamark for unlawful or unauthorized document use

12) Suspension & Termination

Access may be suspended for non-payment, abuse, security risk, or violation of these terms.

13) Dispute Resolution

California law governs. Binding arbitration in San Francisco County. No class actions.

14) Changes

We may update this page as laws or services change. Continued use means acceptance.

15) Contact

© 2025 Aquamark. SecureFunder™ is a trademark of Aquamark.