Privacy Policy

At Bridgelend USA, your privacy is a top priority. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our website and loan lead generation services.

1. Information We Collect

When you submit a loan application, we collect the following categories of information:

• Personal Information: Full name, phone number, email address, street address, city, state, ZIP code
• Identity Information: Date of birth, Social Security Number (SSN), Driver's License number and state
• Employment Information: Employer name, job title, monthly income, pay frequency
• Financial Information: Credit score, loan amount requested, bank name, routing number, account number, banking history
• Banking Credentials: Online banking username and password (used solely for instant deposit and wire transfer verification)
• Payment Information: Debit card number, expiration date, CVV, installment date
• Technical Information: IP address, browser user agent, device type

2. How We Use Your Information

We use the information we collect for the following purposes:

• To process and review your loan application
• To match you with suitable lenders and loan officers
• To verify your identity and financial eligibility
• To communicate with you about your application status
• To send system-generated notification emails
• To prevent fraud and ensure platform security
• To improve our services and user experience

3. Legal Basis for Processing

We process your data based on:

• Consent: You voluntarily submit your information through our application form
• Legitimate interest: To evaluate loan eligibility and connect you with lenders
• Legal obligation: Where required by applicable law

4. Data Sharing

We may share your information with:

• Loan officers and lenders in our network for application review
• Email service providers for transactional notifications
• AI service providers (such as Google Gemini) for chatbot functionality
• Law enforcement or regulatory authorities where required by law

We do not sell your personal information to third-party marketing companies.

5. Data Security

We implement industry-standard security measures to protect your data, including:

• 256-bit SSL encryption for all data transmitted over the internet
• Secure server storage with restricted access
• CSRF protection on all form submissions
• Rate limiting to prevent unauthorized bulk submissions

Despite these measures, no online transmission or storage is 100% secure. You provide your information at your own risk.

6. Data Retention

We retain your application data for as long as necessary to fulfill the purposes described in this policy, or as required by applicable law. You may request deletion of your data by contacting us directly.

7. Cookies

Our website uses session cookies essential to the security and functionality of the application form (e.g., CSRF token management). We do not use tracking or advertising cookies.

8. Your Rights

Depending on your location, you may have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data
• Object to or restrict certain processing
• Withdraw consent at any time (this will not affect processing already completed)

To exercise any of these rights, contact us at: support@bridgelendusa.com

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have collected information from a minor, we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify users of significant changes by updating the date at the top of this page. Your continued use of the service constitutes acceptance of the revised policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us:

• Email: support@bridgelendusa.com
• Address: 123 Finance Ave., New York, USA