Privacy Policy

This Privacy Policy describes how we handle information collected from users of the Bright Loan Capital website. “You” refers to any user of this website. “We,” “Our,” and “Us” refer to Bright Loan Capital, and “Our Website” refers to Bright Loan Capital.

All information transmitted, submitted, or otherwise provided to Bright Loan Capital remains your property; however, we may use such information for lawful purposes as described in this Privacy Policy. Our site contains links to third-party websites. We are not responsible for the privacy practices or content of those sites.

Collected Information

Bright Loan Capital collects and/or tracks the following:

1. Information you knowingly provide through online forms, including name, address, email, phone numbers, date of birth, monthly income, employment details, and other personal or financial information (“Sensitive Information”).

2. Web page headers such as domain name, IP address, browser type, operating system, and device information.

3. Information regarding pages visited on our site and referring URLs.

4. Email addresses of visitors who communicate with us directly.

Submitting information is voluntary; however, to receive information or be matched with a loan provider, certain required information must be provided.

Use of Data Collected

The information collected helps us improve your experience and deliver content relevant to your interests. Personal, demographic, and profile data may also be used to improve the website, conduct analysis, and support marketing, promotional, editorial, or feedback activities. Information may be used for future email or postal mail communications.

Disclosure of Data to Third Parties

By using this website, you consent to being contacted even if your phone number is listed on a do-not-call registry. If you provide personal information, it may be shared with trusted third parties, financial service providers, credit bureaus, or marketing partners whose products or services may interest you.

By submitting an application for credit, you authorize the use of your information to obtain additional information from third parties when needed to process your request. These parties may include consumer reporting agencies and credit bureaus. Sensitive Information obtained during the loan application process is used solely to match you with an appropriate Loan Provider.

Your Credit

Lenders we work with offer free rate quotes that do not affect your credit score. Some may perform soft credit checks, which do not impact your FICO score. Soft inquiries may require additional information such as SSN. If you proceed with a loan through a matched lender, that lender may request a hard credit inquiry but will first obtain your permission.

By submitting a loan request requiring a credit check, you provide written consent under the Fair Credit Reporting Act for Bright Loan Capital and its Loan Providers to obtain your consumer report for evaluating your application and performing fraud checks. Upon qualification, your loan information will be subject to your lender’s Privacy Policy.

We may also verify information you provide by contacting third parties. Information may be shared with service providers involved in processing, funding, servicing, or collecting your loan.

Information Sharing

We may disclose user information if:

1. We believe the site is being used for unlawful acts or in violation of our Terms and Conditions.

2. Disclosure is required by law or legal process.

3. A business transfer occurs, in which case the acquiring party will also be bound by this Privacy Policy.

You consent to the disclosure of information if we determine it necessary, including sharing email addresses for compliance with the CAN-SPAM Act.

Information Collection Methods

We may use cookies to customize your experience. Cookies help improve functionality, such as remaining logged in during a session. Most browsers accept cookies automatically, but you may disable them. Disabling cookies may limit access to some areas of the website.

Electronic Disclosure

By submitting your information online, you consent to receive notifications, disclosures, and documents electronically. These may be delivered via email, posted on our website, or provided through a secure portal. All electronic documents are considered “in writing.”

You may withdraw consent only by exiting the site before submitting your information. You cannot withdraw consent after submission. We may discontinue electronic delivery at any time and will notify you as required by law. Records may be stored electronically and destroyed after required retention periods.

By submitting your information, you confirm your consent to electronic communications, your ability to receive them, and the accuracy of your provided email address.

Your Opt-Out Rights

You may opt out of receiving communications by choosing not to submit your information. If you provide personal information to us, you are opting in to have that information shared with third parties for loan-funding purposes. Any company contacting you afterward should be contacted directly regarding your communication preferences.

To stop receiving emails from our website, follow the unsubscribe instructions in our emails or send a request to the provided email address.

Third Party Sites

At times, we act as a limited agent for third-party lenders or sellers. In such cases, after completing an application, you may be redirected to the third party’s website. Your application will be subject to that third party’s Privacy Policy. We are not responsible for the accuracy or content of third-party privacy policies.

Links

Our website includes links to third-party sites. We are not responsible for their privacy practices. We encourage users to review the privacy statements of all sites that collect personal information.

We may also co-brand services with third parties. It will always be clear who is collecting the information and which Privacy Policy applies.

Warning

Do not send money upfront or purchase prepaid debit cards as “insurance” for a loan. This is an advance-fee loan scam. Our Loan Providers will never require upfront payment. Be cautious and review consumer protection information on avoiding such scams.

Your Rights Regarding Personal Data

Upon written request via email or postal mail, we will provide a summary of your personal information stored in our records. We will only send such information to the address we have on file. You may request correction, modification, or removal of your personal data by contacting us.

Special Notice to California Residents

We do not share personal information in violation of California privacy laws. California residents may request, once per calendar year, information about categories of personal information disclosed to third parties for marketing purposes. Requests should be submitted to the designated email address.

Visitors Outside the United States

This Privacy Policy covers information collected from U.S. residents. By using our site, you acknowledge and agree that your information may be transferred and stored in the United States.

Children’s Privacy

We do not knowingly collect information from individuals under 18. If such information is discovered, it will be deleted immediately. Our services are intended for adults.

Our Right to Contact You

We may contact you regarding your account status or changes to policies and agreements.

Security

Information is stored securely. While we strive to protect your information, no data transmission online is completely secure. Access is restricted to employees who need it to perform specific tasks. In the event of a security breach, we will notify affected users and regulatory agencies as required by law.

Any dispute over privacy is subject to this Privacy Policy and the terms of this website. Liability is limited to the value of the services provided.

Our Right to Change

We may change this Privacy Policy at any time. Updates will take effect immediately upon posting. Continued use of our website constitutes acceptance of any changes.

Contact Information

If you have questions about this Privacy Policy or your interactions with our website, contact us through the form at Contact

Bright Loan Capital respects your concerns regarding personal information. We use only opt-in or opt-out methods for obtaining customer information and do not send unsolicited email. All emails include instructions for unsubscribing.