Website Privacy Statement

At Blue Bridge Financial, Inc. (“Blue Bridge”), we recognize the importance of protecting the privacy of your personal information, (“Personal Data”). This privacy policy (“Privacy Policy”) outlines the types of Personal Data that may be collected and/or provided when you visit our website at https://bluebridgefinancial.com (“Website”) and our practices for collecting, using, maintaining, protecting, and disclosing Personal Data.

Please read this Privacy Policy carefully to understand our policies and practices regarding Personal Data and how Blue Bridge will treat it. Our goal is to maintain your trust and confidence when handling your Personal Data. The security of your personal information is our priority.

Personal Data We Collect

• Contact information including first name, last name, cell phone number, email address.
• Personal identification information, including address, city, state, ZIP code, and Social Security Number
  

  • Please note this information will also be stored for any additional guarantors.

• Business information including business name, business type, years in business, Federal Tax ID, ownership percentage, business address, city, state, ZIP code.
• Cookies and usage data

Sensitive Personal Information

Some of the information we collect, such as Social Security Numbers and financial/business data, may be considered “sensitive personal information” under applicable laws. We use this information solely for legitimate business purposes, including underwriting, servicing, and compliance obligations, and do not use such information for advertising or marketing purposes.

Information Usage

When the Website is accessed, Blue Bridge may collect and store information about your visit on an anonymous, aggregate basis and use it for internal review purposes only. This information may include the date, time and length of your visit, the pages you visit on our website, the web browser used, the domain from which you access the internet, the Internet Protocol (IP) address (to determine location), links clicked and conversion information.

Blue Bridge may use the information we collect to analyze and track data, determine what content is most popular, measure the number of visitors to different sections of our website, and assist us in making our website more useful for consumers based on their interests.

Data Retention

We retain Personal Data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including to comply with legal, regulatory, tax, accounting, or reporting requirements, resolve disputes, and enforce our agreements.

Cookies and Tracking Technologies

The anonymous information about your visits may be collected by using various technologies, such as cookies. Cookies are small text files placed on your computer or other devices you may be using, such as a tablet or smartphone when you visit a website. The cookie is a randomly generated 18-digit ID number that uniquely identifies a web browser on a specific computer but is not used to identify an individual person. Cookies allow a website to recognize a particular device or browser and remember information about that device’s preferences when visiting the website again.

The Website uses “cookies” and other tracking technologies to differentiate you from other users of our Website. This helps us to provide you with a good experience when you browse our Website and also allows us to improve our Website. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can modify your browser setting to decline cookies if you prefer. If you block all cookies, you may find that certain features on our website will not work properly.

Consent and Cookie Management

We may use a consent management tool to allow users to manage their cookie preferences. Where required by law, non-essential cookies (such as analytics and advertising cookies) will not be placed on your device without your consent. You may update your preferences at any time through our website’s cookie settings link.

Categories of Cookies

Cookies and similar technologies used on our Website may fall into the following categories:

• Strictly Necessary: Required for website functionality
• Analytics: Help us understand how users interact with our Website
• Marketing/Advertising: Used to deliver relevant advertisements

Advertising and Remarketing

We may use third-party vendors, including Google, Microsoft, LinkedIn, Meta (Facebook and Instagram), and AdRoll, to serve advertisements to you based on your prior visits to our website. These vendors may use cookies, web beacons, pixel tags, and other similar technologies to collect or receive information from our website and elsewhere on the internet to provide measurement services, personalize content, and deliver interest-based advertisements.

We may also use data collected through Google Analytics, Microsoft UET Tags, LinkedIn Insight Tag, Meta Pixel, and AdRoll SmartPixel to better understand your interactions with our website and services.

You may opt out of personalized advertising from:

• Google by visiting Google Ads Settings 
• LinkedIn by visiting LinkedIn Ad Preferences
• Microsoft by visiting Microsoft Ad Settings 
• Meta (Facebook and Instagram) by visiting Facebook Ad Preferences 
• AdRoll (and other partners) via the Digital Advertising Alliance opt-out page. For more information on how AdRoll collects and uses data, visit AdRoll’s Privacy Notice. 

Google Ads 

We use Google Ads to deliver targeted advertisements to individuals who visit our Website. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to the Blue Bridge Website. Any data collected will be used in accordance with our own Privacy Policy and Google’s Privacy Policy.

As mentioned in the Information Usage section of our drafted Privacy Policy, Blue Bridge will only collect the date, time and length of your visit, the pages you visit on our website, the web browser used, the domain from which you access the internet, the Internet Protocol (IP) address (to determine location), links clicked and conversion information. The information listed under Personal Data We Collect will not be shared to Google, a third party, for reporting and tracking purposes and viewable in Google Analytics.

You can set preferences for how Google advertises to you using the Google Ad Preferences page below, and if you want to, you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.

Google Technologies

We use Analytics and Tracking technologies provided by Google, Inc. to gather information for analysis and remarketing. We use Google Analytics to better understand the activity on our site and to improve our content. This is done based on the keywords you used to find us on the web. We use Google AdWords and the associated remarketing tool to show ads on sites across the Internet. Google may use cookies to serve ads based upon your past visits to our site. For example, you visit our site to get information about our loans, then you leave the site without filling out an application. After that, you might see our ads on other web pages you visit.

• If you wish to opt-out of Google’s use of cookies, you can visit Google’s Ads Settings.
• If you wish to opt-out of Google Analytics visit the Google Analytics opt-out page.
• If you wish to opt-out of a third- party vendor’s use of cookies visit the Network Advertising Initiative opt-out page.
• For more information you can read the Google Privacy Policy.

Your Privacy Rights

Depending on your state of residence, you may have certain rights regarding your Personal Data, including:

• The right to know what personal information we collect, use, and disclose
• The right to request deletion of your personal information
• The right to correct inaccurate personal information
• The right to opt out of the sale or sharing of personal information for advertising purposes
• The right to limit the use of sensitive personal information

To exercise your rights, please contact us using the information below. We will respond in accordance with applicable law.

Do Not Sell or Share My Personal Information

While Blue Bridge does not sell Personal Data in exchange for monetary compensation, we may share certain information with third-party advertising partners for purposes of targeted advertising, which may be considered “sharing” under applicable privacy laws.

You have the right to opt out of such sharing. You may do so by:

• Adjusting your cookie preferences via our website
• Contacting us directly using the information below

Learn more on our “Do Not Sell/Share My Personal Info” page.

Categories of Sources of Personal Data

We may collect Personal Data from the following categories of sources:

• Directly from you (e.g., forms you complete on our Website)
• Automatically from your device (e.g., cookies and tracking technologies)
• From service providers or partners assisting in our business operations

Changes to this Website Privacy Statement

Blue Bridge Financial, Inc. reserves the right to amend this Website Privacy Statement as needed to reflect legal and regulatory changes, technological advancements, or changes in Blue Bridge Financial, Inc.’s practices.

How to Contact Us About This Website Privacy Statement

If you have any questions about our website or this privacy statement, you can contact our main office line 1-866-777-1011.

Text Messaging Terms and Conditions

These Terms and Conditions govern your participation in text messaging services provided by Blue Bridge Financial, Inc. (referred to as “we”, “us”, or “our”). By opting into our text messaging services, you agree to these Terms and Conditions. Please read them carefully.

1. Scope of Text Messaging

1.1 Purpose: We use text messaging for the following purposes:

• Marketing: Sending promotional messages about our services, offers, and updates.
• Collections: Sending reminders, notifications, and information related to payments and overdue accounts.
• Loan Applications: Communicating updates, requests for information, and status notifications regarding loan applications.

1.2 Message Frequency: Message frequency may vary. We strive to limit messages to a reasonable number per month, but this may fluctuate based on your interactions with us.

2. Consent and Opting Out

2.1 Consent: Consent is gathered by a consumer filling in their phone number on a web form and submitting the form through our website. The SMS consent disclosure is included at the bottom of every website form. Consumers opt-in to receive messages regarding their inquiry by submitting a form on our website. By providing their mobile phone number and opting into our text messaging services, a consumer consents to receive text messages from us to the number provided. Message and Data Rates may apply. You can STOP messaging by sending STOP and get more help by sending HELP.

2.2 Opting Out: You can opt out of receiving text messages at any time by:

• Reply with “STOP” to any text message you receive from us.
• Contacting our customer service at [email protected]

2.3 Consequences of Opting Out: Opting out will cease all text messages from us, including marketing, collections, and loan application updates. You may continue to receive messages that are required by law or for account servicing purposes.

3. Message Delivery

3.1 Carrier Fees: Message and data rates may apply. Check with your mobile carrier for details on your messaging plan and costs.

3.2 Delivery: We are not responsible for delays in the delivery of messages or failure to deliver messages due to technical issues, network congestion, or any other reasons beyond our control.

4. Privacy

4.1 Information Collection: We may collect and store information related to your use of our text messaging services, including your mobile phone number, message content, and interactions with us.

4.2 Use of Information: We use this information to provide and improve our services, including customer service, compliance with legal obligations, and marketing.

4.3 Sharing Information: We do not sell your information to third parties. We may share information with service providers who assist us in delivering our text messaging services or as required by law. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties

5. Amendments

5.1 Changes to Terms: We may update or modify these Terms and Conditions at any time without prior notice. The most current version will be available on our website.

5.2 Notification: We may notify you of changes to these Terms and Conditions via text message, email, or other means. Your continued use of our text messaging services after such changes constitutes your acceptance of the updated Terms and Conditions.

Contact Information

If you have any questions, concerns, or feedback regarding these Terms and Conditions or our text messaging services, please contact us at:

[email protected] | 1-866-777-1011