Privacy Policy

1. Information We Collect

We collect various types of information from and about users of our Site, including:

• Personal Identification Information: This includes your name, email address, phone number, physical address, date of birth, and Social Security Number (SSN) or other government-issued identification numbers.
• Financial Information: Details necessary for loan applications, such as income, employment history, bank account information, credit history, credit scores, debt obligations, and other financial data.
• Demographic Information: Such as age, gender, and household information.
• Contact Information: When you fill out contact forms or communicate with us.
• Technical and Usage Data: Information about how you access and use the Site, including your IP address, browser type, operating system, referring URLs, pages viewed, and the dates and times of your visits. We collect this information through cookies, web beacons, and other tracking technologies (see Section 4).

2. How We Collect Information

We collect information directly from you when you:

• Fill out loan inquiry forms, lead forms, or contact forms on our Site.
• Register for an account or profile.
• Communicate with us via email, chat, or phone.
• Participate in surveys or promotions.

We also collect certain information automatically as you navigate through the Site, as described in Section 4 (Cookies and Tracking Technologies).

3. How We Use Your Information

We use the information we collect for various purposes, including to:

• Facilitate Loan Applications: To process your loan inquiries, connect you with potential lenders, and facilitate the loan application process.
• Provide and Improve Services: To operate, maintain, and enhance the functionality of our Site and the services we offer.
• Communicate with You: To send you updates, security alerts, support messages, and administrative information related to your use of the Site.
• Marketing and Advertising: To provide you with information about loan products or services that may be of interest to you, from us or third parties.
• Analytics and Research: To understand how users interact with our Site, analyze trends, and perform research to improve our services and user experience.
• Security and Fraud Prevention: To protect the security and integrity of our Site, prevent fraud, and enforce our terms of service.
• Legal Compliance: To comply with applicable laws, regulations, and legal processes, and to respond to lawful requests from public authorities.

4. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect information about your Browse activities over time and across different websites following your use of our Site.

• Cookies: Small text files placed on your device. We use both session cookies (which expire when you close your browser) and persistent cookies (which stay on your device until deleted).
• Web Beacons: Small electronic files (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics.

These technologies help us remember your preferences, provide you with a personalized experience, track the effectiveness of our marketing efforts, and analyze site usage.

You can opt out of non-essential cookies and advertising pixels at any time using the 'Do Not Sell or Share My Personal Information' link in our footer. We automatically honor the Global Privacy Control (GPC) signal as an opt-out request if your browser sends one. If you disable or refuse cookies through your browser settings, some parts of this Site may become inaccessible or may not function properly.

5. How We Share Your Information

We may share your personal information with the following categories of third parties:

• Lenders and Financial Institutions: We share your loan inquiry information with lenders, financial institutions, and loan brokers in our network to facilitate your loan application process. These third parties will have their own privacy policies governing how they use and protect your data.
• Service Providers: We engage third-party companies and individuals to perform services on our behalf, such as website hosting, data analysis, payment processing, customer service, marketing, and advertising. These service providers have access to your personal information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
• Advertising Partners: We share information with advertising partners, including Meta (Facebook/Instagram), to deliver and measure targeted advertisements on our Site and on other websites. This may include your email address and phone number in hashed (encrypted, non-readable) form, your IP address, browser and device information, and advertising cookie identifiers. You can opt out of this sharing at any time; see Section 7.
• Analytics Providers: We use PostHog to collect and analyze data about your use of the Site, and Google Tag Manager to manage and deploy the tracking tools described in this policy. Information collected by these providers is subject to their respective privacy policies.
• Legal and Regulatory Authorities: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or government agency).
• Business Transfers: In the event of a merger, acquisition, reorganization, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
• With Your Consent: We may share your information with other parties when we have your explicit consent to do so.

6. Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee the absolute security of your personal information.

7. Your Choices and Rights

Depending on where you reside, you may have certain rights regarding your personal information:

• Access and Correction: You may have the right to request access to the personal information we hold about you and to request that we correct any inaccuracies.
• Opt-Out of Marketing Communications: You can opt out of receiving promotional emails from us by following the unsubscribe instructions provided in those emails. Please note that even if you opt out of marketing messages, we may still send you non-promotional communications, such as those about your account or our ongoing business relations.
• California Residents: If you are a California resident, the California Consumer Privacy Act (CCPA) gives you the right to know what personal information we collect, request deletion of your information, correct inaccurate information, and opt out of the sale or sharing of your personal information. You can exercise your opt-out right at any time using the 'Do Not Sell or Share My Personal Information' link in our footer, or by enabling the Global Privacy Control (GPC) signal in your browser, which we honor automatically. To exercise your right to know, delete, or correct, email us at legal@bplmarket.com. We will respond within 45 days, as required by law, or notify you if we need a 45-day extension.
• Other State Residents: If you reside in a state with a comprehensive privacy law that recognizes opt-out preference signals, such as Colorado, Connecticut, Virginia, or Texas, you have similar rights to opt out of the sale or sharing of your personal information, and we honor GPC signals from all visitors regardless of state.

8. Children's Privacy

Our Site is not intended for children under 13 years of age, and we do not knowingly collect personal information from children under 13. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information.

9. Changes to Our Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top. We encourage you to review this Privacy Policy periodically for any changes.