Privacy Policy

1. Introduction

Bear Loans Credit ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our loan matching service.

2. Information We Collect

Information Collected on Our Site

On our website, we collect only basic information necessary to connect you with lending partners:

• Basic contact information (name, email, phone number)
• Loan amount and purpose preferences
• General location information

Information Collected by Partners

After you are redirected to a partner or lender's site, they may collect additional personal and financial information directly from you, which may include:

• Full name, date of birth, and Social Security number
• Employment information and income details
• Bank account information
• Government-issued identification

Bear Loans Credit does not collect or store this sensitive information. Partners collect it directly on their own platforms.

Credit Inquiries by Partners

Bear Loans Credit does not perform credit checks. After you are connected with a lending partner, that partner may perform credit inquiries to evaluate your eligibility. This may include soft inquiries (which do not affect your credit score) or hard inquiries (which may affect your credit score). You will be informed by the partner before any credit inquiry is performed.

Technical Information

• IP address and device information
• Browser type and version
• Usage data and analytics (pages visited, time on site)
• Cookies and similar tracking technologies
• Outbound click tracking for quality assurance

3. How We Use Your Information

We use the limited information collected on our site to:

• Match you with appropriate lending partners in our network
• Share your inquiry details with potential lenders
• Communicate with you about potential loan offers
• Prevent fraud and maintain platform security
• Track outbound referrals for quality assurance
• Comply with legal and regulatory requirements
• Improve our services and user experience
• Send marketing communications (with your consent)

We do not process loan applications, verify identity documents, or evaluate creditworthiness. These functions are performed by lending partners after you are redirected to their platforms.

4. Information Sharing and Disclosure

Lending Partners

We share your information with our network of licensed lending partners to match you with potential loan offers. Each lending partner is independently licensed and operates under their own privacy policy. We may receive compensation from lenders in our network, but this does not affect the rates or terms you receive.

Service Providers

We work with third-party service providers who help us operate our platform, including:

• Cloud hosting and data storage providers
• Analytics and marketing platforms
• Communication services (email, SMS)
• Fraud prevention services

Note: Credit bureaus, identity verification, and payment processing are handled by lending partners on their own platforms, not by Bear Loans Credit.

Legal Requirements

We may disclose your information when required by law, court order, or other legal process, or to protect our rights and the safety of our users.

5. Data Security

We implement industry-standard security measures to protect the information collected on our platform, including:

• SSL encryption for data transmission
• Secure data storage practices
• Regular security monitoring
• Access controls and authentication
• Employee training on data protection

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Note: Sensitive financial information (SSN, bank accounts, etc.) is collected and secured by lending partners on their own platforms. Each partner maintains their own security protocols and is responsible for protecting the information you provide to them directly.

6. Your Privacy Rights

Access and Correction

You have the right to access and update your personal information. You can do this by logging into your account or contacting us directly.

Opt-Out Rights

• Marketing communications: Unsubscribe via the link in our emails
• Cookies: Adjust your browser settings to decline cookies
• Information sharing: Contact us to limit sharing with lending partners

State-Specific Rights

Residents of certain states (including California, Virginia, and Colorado) have additional privacy rights under state law, including:

• The right to know what personal information we collect
• The right to delete your personal information
• The right to opt-out of the sale of personal information
• The right to non-discrimination for exercising your privacy rights

7. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Typically, we retain application data for 7 years after account closure.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will delete it promptly.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on our website and updating the "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

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

Email: loans@bearloanscredit.com
Phone: 1-888-523-2763 (Mon-Fri 8AM-8PM ET, Sat 9AM-5PM ET)
Mail: Bear Loans Credit, 201 S Biscayne Blvd, Suite 2800, Miami, FL 33131

For questions about a specific loan offer or existing loan, please contact the lender directly.