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Privacy Policy

brightusamyoffer.com • Comprehensive Consumer Privacy Notice

brightusamyoffer.com (“we,” “our,” “us”) provides this Privacy Policy to describe how we collect, use, disclose, and protect Personal Information when you visit our website.

We encourage you to read this Privacy Policy and to use it to help you make informed decisions.

We revise this Privacy Policy from time to time to reflect changes to our business, Services, or applicable laws. If a revised version requires notice in accordance with applicable law, we will provide advance notice by posting on this page; otherwise, the revised Privacy Policy will be effective as of the published effective date.

HOW THIS POLICY APPLIES

This Policy has two parts so you can clearly see which rules apply to which data uses:

  • Part A — GLBA/FCRA (“GLBA Track”): Applies to nonpublic personal information (NPI) collected in connection with your loan offer request, and to any credit information we obtain with your written instructions (e.g., a soft credit inquiry) to evaluate you for alternative financial solutions.
  • Part B — State Privacy Laws (“State Track”): Applies only to NPI processed on this site that is not subject to GLBA/FCRA—for example, site telemetry, or advertising/analytics outside of the GLBA context.

If information you submit relates to a financial-product request, GLBA controls even if the same identifiers also appear in other contexts.

PART A — GLBA/FCRA PRIVACY NOTICE

PRIVACY POLICY FACTS
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Identifiers and contact information (e.g., name, email, phone numbers, address).
  • Application/request information (e.g., date of birth, military and employment status, employer and job title, time at job and address, income and pay details, requested amount and purpose, whether you own a car or home, mortgage status, self-reported credit score or debt amount, best time to call).
  • Sensitive identifiers (e.g., Social Security number; driver’s license number and issuing state).
  • Financial account information (e.g., bank name, routing and account number, account type, time with bank, direct deposit status).
  • Transaction and experience information related to your request and interactions with us (e.g., submission dates, servicing and customer support records, survey responses).
  • Credit information (e.g., results of a soft inquiry obtained with your written instructions; not shared with third parties; participating lenders may obtain credit reports directly from consumer reporting agencies).
  • Technical and security data used to protect and process your request (e.g., IP address and device/user-agent, cookies/session identifiers used for fraud prevention, authentication, and consent logging; not used for cross-context behavioral advertising).
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons we choose to share; and whether you can limit this sharing.

SHARING YOUR PERSONAL INFORMATION

Reasons We Can Share Your Personal Information Do We Share? Can You Limit Sharing?
For our everyday business purposes — to process your request, verify identity, prevent fraud, evaluate eligibility, and route/transmit your information (including via a lender “ping” process) to participating Lenders/Networks or Third-party Marketers - personal-finance-related service providers at your direction Yes No
For our everyday business purposes — information about your creditworthiness (e.g., enabling an FCRA-permitted soft inquiry pursuant to your written instructions; Lenders obtain reports directly from CRAs) Yes No
For our marketing purposes — to market our own websites and Services to you (e.g., to bring you back to complete your request) Yes No (communications preferences/TCPA & CAN-SPAM still apply)
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes — information about transactions and experiences No We don’t share
For our affiliates’ everyday business purposes — information about your creditworthiness No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you Yes Yes (consent/direction exception applies)*

*Clarification about exception:

When Lenders/Networks contact you about the credit you asked us to match you for, that disclosure occurs to effect, administer, or enforce your requested transaction and/or at your direction. It is not a “nonaffiliate marketing” share. Non-selected recipients in the ping process are contractually prohibited from contacting you and must not retain your information. We disclose your information to Lenders/Networks and Third-party Marketers at your direction (consent), so they can contact you about their products. We retain records of your direction.

To Limit Our Sharing

Email [email protected] with subject “GLBA opt-out” and include your name, email, and phone number used on your request.

What this does: Your choice limits our sharing of your nonpublic personal information with non-affiliated third parties so they can market their own products to you.
What it doesn’t limit: This choice does not limit disclosures needed to evaluate, effect, administer, or enforce your current request (including lender “ping” eligibility checks), disclosures to our service providers/contractors acting on our behalf.
Duration & scope: Your choice remains in effect until you tell us otherwise. We will apply it as soon as reasonably practicable and include your preference when we share leads. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Sharing Your Sensitive Personal Information

We share Sensitive Personal Information only with our Marketing Partners when necessary to assist you in finding a loan, when required by law, or with your explicit consent.

Definitions

  • Affiliates: Companies related by common ownership or control. They are non-financial companies.
  • Non Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Third-party Marketers: Non-affiliated providers or promoters of personal-finance products/services (and their intermediaries), including credit, banking/fintech, credit-monitoring/builder/education or repair, and debt-management/relief offerings.
  • Lenders / Networks: Non-affiliated lenders, together with their intermediaries (including agents, aggregators, brokers, lead networks, and marketplaces) and service providers acting on their behalf.
  • Marketing Partners: Lenders/Networks and Third-party Marketers.

Categories of Non-Affiliates We Share Information With

  • Lenders / Networks
  • Third-Party Marketers
  • Service Providers (Cloud storage and hosting providers e.g. AWS, Email/SMS delivery providers, Consumer Reporting Agencies (CRAs) or facilitators, advertising platforms).

Who We Are

This notice is provided by brightusamyoffer.com, the entity responsible for collecting and processing your personal information as you interact with our platform.

How We Protect Your Information

We employ industry-standard security measures, including:

  • Secure transmission of credit data under § 1016.30(b) (GLBA Safeguards encryption).
  • Firewalls and secure data storage.
  • Restricted access to sensitive information.
  • Multi-factor authentication.
  • Regular security assessments.
  • Breach response plans.
  • Controlled data sharing: We ensure that any transfer of data to our partners is limited to specified purposes and governed by agreements that include strict security and confidentiality obligations.

However, no method of transmission over the Internet is 100% secure.

How Do We Collect Your Personal Information?

We collect your personal information when you:

  • Submit an inquiry on our platform or on our affiliates’ websites.
  • Interact with our website, including browsing, filling out forms, answering surveys.
  • Communicate with us.

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies as permitted.

Why Can’t You Limit All Sharing?

Under applicable laws you can’t limit sharing personal information for business purposes, such as but not limited to: processing your request to connect you with a lender, preventing fraud, etc. You may limit our sharing with non-affiliated marketers for their own offers – see State Track for additional opt-outs that do not apply to GLBA data.

Other Important Information

We do not sell or share personal information collected on this loan offer inquiry page for cross-context behavioral advertising, and we do not use targeted advertising on this page. Limited hashed identifier uploads to advertising platforms are conducted outside the loan form context and are covered under Part B.

When we process information in connection with a financial product or service, it is governed by GLBA/FCRA. Accordingly, state-law rights (e.g., “Do Not Sell/Share,” limit Sensitive PI, GPC/UOOM) do not apply to these processings.

PART B — STATE PRIVACY NOTICE

NOTICE AT COLLECTION

Scope: This Notice at Collection summarizes what personal information we collect at or before the point of collection, the purposes for which we use it, how long we retain it, and whether we sell or share it (as those terms are defined by applicable U.S. state privacy laws). It should be read together with our full Policy referenced below.

Categories & Purposes: We collect the categories of personal information listed in Personal Information We Collect (table below) and use them for the purposes shown there—providing services and processing requests, matching you with personal-finance-related service providers, security, identification, communication, and compliance with law.

Reuse of Information: In connection with the purposes described above, we may use information you previously provided to us or to our Marketing Partners requesting a loan offer to evaluate and personalize which solutions we show you. We may also securely retain your prior request and, when you return to our site within a reasonable period, use your previously provided information to help you quickly obtain updated offers without requiring you to re-enter the same information, unless you choose to stop this feature. We treat all such reused information as GLBA “nonpublic personal information.” State-law rights do not apply to this reuse. See Part A.

Selling/Sharing: We sell certain personal information (for example, lead information) to our Marketing Partners so they can contact you about their products or services. You can exercise your right to opt out of sale/sharing at any time. We do not sell or share Personal Information for cross-context behavioral advertising.

Use/Disclosure of Sensitive Personal Information: We use or disclose Sensitive PI (e.g., SSN, driver’s license) only as necessary to provide requested services, verify identity, ensure security, and comply with law.

Retention: We retain personal information only as long as needed for the purposes described above or as required by law.

PERSONAL INFORMATION WE COLLECT

In the past 12 months we have collected (either directly through this Site or from our other sites) the following categories of personal information:

Category Examples Sources Purpose Shared With
Identifiers Phone, email From you on this site Identification, to contact about offers from Marketing Partners, Communication Third-Party Marketers (Non-GLBA Uses), Service Providers
Internet / Network Activity Cookies/pixels/SDKs, pages viewed, referrers/UTM, approximate IP-based location Automatically via our systems when you visit the site To create, manage, and optimize advertising audiences on platforms such as Meta and TikTok Advertising Platforms
Communications & Consent Records TCPA/email consents, “Do Not Sell/Share”, unsubscribe logs An explicit form submit To comply with applicable laws Third-Party Marketers (Non-GLBA Uses), Service Providers

Personal information excludes publicly available data and data that has been de-identified or aggregated so it can’t reasonably identify you. We use de-identified, aggregated data to analyze and improve our services.

DISCLOSURES OF PERSONAL INFORMATION FOR A BUSINESS PURPOSE

Categories of Service Providers Business Purpose for Disclosure Categories of Personal Information
Cloud Storage & Hosting (e.g. AWS) Securely storing and managing data All categories of Personal Information
Email/SMS Delivery Providers Transactional and marketing communications Identifiers
Consumer Reporting Agencies (CRAs) or Facilitators Obtain consumer report information to verify identity, assess eligibility, and determine which services/offers you may qualify for from participating Marketing Partners Identifiers
Advertising Platforms To create, manage, and optimize advertising audiences on platforms such as Meta and TikTok Identifiers, Internet or Other Electronic Network Activity (hashed only)

DO NOT TRACK

We do not engage in tracking individuals across third-party websites or online services, so our Site does not respond to “Do Not Track” browser settings or signals.

YOUR RIGHTS

Right Description
Right to Know / Access You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, including sources, purposes for collection, categories of third parties with whom we share it, and whether it was sold or shared.
Right to Delete You can request that we delete personal information we have collected from you, subject to certain legal or business exemptions.
Right to Correct You have the right to request that we correct any inaccurate personal information we maintain about you.
Right to Data Portability You have the right to obtain and reuse your personal information in a structured, commonly used, and machine-readable format.
Right to Opt-Out of Sale/Sharing You may opt out of the sale or sharing of your personal information, including sharing for targeted advertising purposes.
Right to Non-Discrimination You have the right not to be discriminated against for exercising your privacy rights.
Right to Appeal If we deny your request to access, delete, or correct your information, you can appeal our decision.

HOW TO EXERCISE YOUR RIGHTS

To request access, correction, or deletion of your personal information; or to limit use of sensitive PI, please email us at [email protected] and include your name and the details of your request.

To appeal our denial of your request, email us with the subject line: "Appeal of Privacy Rights Request."

CHILDREN’S PRIVACY

Our services are not intended for children under the age of 18. We do not knowingly collect, use, sell, or share the personal information of individuals under 16 years of age. If we learn that we have inadvertently collected personal information from a person under 16, we will delete that information as quickly as possible.

COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar tracking technologies (“Cookies”) for lawful purposes, including to track lead generation activities, remember your choices and preferences, improve your user experience, and analyze traffic to our Site. Certain Cookies are also used for security, fraud prevention, and to help us measure the effectiveness of our marketing.

Most browsers allow you to block, delete Cookies, and alert you when Cookies are being set via browser privacy settings.

CONTACT US

For questions or concerns about our Privacy Policy and information practices, please contact us at [email protected].