PRIVACY POLICY

INTRODUCTION

This Privacy Policy (Policy) explains how Black Book Lending (“Black Book Lending,” “we,” “us,” or “our”) collects, shares, uses, and safeguards information, as well as the rights and choices individuals may have with respect to these practices.

SAFEGUARDING INFORMATION

Black Book Lending provides what we believe to be reasonable physical, electronic, administrative, and procedural safeguards in an effort to preserve the security, integrity, and confidentiality of all personal information collected. These protections include, among other things, building security, controlled access to customer files, and technological safeguards such as use of passwords, firewalls, virus prevention, and detection software.

INFORMATION WE COLLECT

This Policy covers the information we collect about you to assist us in serving your financial needs, providing you with quality products and services, and satisfying legal and regulatory requirements. You may provide information to us in various ways, such as when you request information about us, our products and services, inquire about job postings, submit applications, forms, and surveys, or send us questions, comments, or feedback. Personal information we collect may include, for example, your name, address, age, phone number, social security number, employment information, and financial information.

INFORMATION WE DISCLOSE

We will disclose personal information in your loan file if your loan is assigned to another creditor or serviced by another institution.

We may disclose certain of your personal information with any co-borrower or co-sponsor, or guarantor on your account, in order to process your application, service your account, and provide the products and services you have requested from us. We may disclose your personal information with third parties who assist us in the administration, processing, and servicing of your application and loan, as well as the research, analysis, and reports regarding the use of our websites and services. These third parties may include brokers, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services, and purchasers of loans, among others.

We may also disclose information about you when we believe it is necessary or appropriate to: (i) comply with applicable legal requirements, (e.g., regulatory, court, and law enforcement demands); (ii) respond to an emergency or otherwise protect the rights and property of Black Book Lending and our employees, customers, or others, including to enforce any contract between you and us; (iii) address fraud, security, or technical issues; and (iv) in connection with, or during negotiation of, any reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of our business or assets.

ACCESSING AND CORRECTING YOUR INFORMATION

You can review and update your Personal Information by logging into Black Book Lending at https://blackbooklending.com and visiting your account profile page. You may also send us an email at support@blackbooklending.com. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

INFORMATION RETENTION

We will retain your information for the period of time necessary to satisfy legal and regulatory requirements.

CALIFORNIA CONSUMER PRIVACY ACT AND DO NOT TRACK

As a resident of California, you have certain rights with respect to the collection of your personal information. For more information about these rights and how to exercise them, please see our Privacy Policy for California Residents.

COMMUNICATIONS

We may use your personal information to communicate with you. We also may provide notifications to you that are required by law. You may not opt out of such services-related and legally required communications. Subject to applicable law, we may provide such notifications to you via email, text message, hard copy, or through conspicuous posting on our website. You can update your account information and profile settings at any time by logging into Black Book Lending’s website and changing your profile settings or emailing support@blackbooklending.com.

We may also send you marketing emails, including promotions and new product offerings. You can stop receiving marketing email communications from us by clicking on the unsubscribe link provided at the bottom of the communications. We make reasonable efforts to promptly process all unsubscribe requests. Furthermore, we may send marketing text messages to your mobile phone if you opt in. Standard message and data rates may apply. You can opt out of these messages by replying STOP to any message or by emailing us at support@blackbooklending.com.

CHILDREN’S ONLINE PRIVACY

Our websites are intended for use by ages 18 or older. We do not knowingly collect any personal information from minors and minors should not use our websites or our services at any time.

COOKIES AND INTERNET-BASED ADVERTISING

When you visit our site or interact with us through your device we may collect “User Activity Information” through cookies, web beacons, and other similar or related technologies (collectively, “cookies”). Cookies are small text files saved on your device via your browser as you visit our site. Web beacons (also known as pixels or tags) are a common form of web technology used on our site to monitor visits to certain pages within, interactions with, and the effectiveness of, our sites and our marketing efforts.

User Activity Information we collect through cookies includes internet protocol (IP) addresses, device characteristics (such as connection type, operating system, browser type, screen resolution), location information, user ID, and your interactions with our site and ads, such as which webpages you visit, your keyword searches, and the products or product categories viewed. User Activity Information may also include information about your mobile device if it is being used to visit the site (such as device model, operating system, unique device identifiers, and mobile network information); how you use our site, search terms, pages you visit on our sites, and application performance information. While User Activity Information does not generally identify or relate to you as an individual, we may associate this type of information with you as an individual and may also determine your general location from this information. We only share Personal Information for purposes identified in this Privacy Policy, but User Activity Information collected on our sites could potentially be used by third parties for their own purposes, some of whom may be able to associate such information with you based on other information they have collected independently of Black Book Lending.

We provide all customers and other website visitors with the option of turning off the tracking cookies used on our website by visiting the homepage and clicking on the “Cookie Settings” link. Our website also recognizes Global Privacy Control signals. You can also delete or disable cookies through your web browser’s settings, as discussed in Internet Explorer, Firefox, Chrome, and Safari. You may opt out of the use of Google Analytics.

Read the Google Analytics policy here.

To learn more about managing your preferences for ads online, see the resources made available by the Digital Advertising Alliance at http://www.aboutads.info/ or via the Network Advertising Initiative at http://optout.networkadvertising.org/. You may also opt out of interest-based advertising on an iOS or Android device by selecting the “Limit Ad Tracking” option in the device’s settings.

We do not respond to Do Not Track (DNT) signals and handle all user information as permitted by law consistent with our Terms of Use and this Online Privacy Policy.

THIRD PARTIES

This Policy does not govern the practices of third parties, including but not limited to their websites, services, and applications (“Third Party Services”). We cannot take responsibility for the content, privacy policies, or practices of Third Party Services. Please consult the privacy policies of these Third Party Services for additional information on their information collection, sharing, and protection practices.

CHANGES TO OUR PRIVACY POLICY

We may modify this Policy from time to time. We will promptly make any changes available at https://blackbooklending.com/privacy-policy. Changes will be effective as soon as the revised Policy is posted unless otherwise stated. Your continued use of our website after we post a revised version of this Policy signifies your acceptance.

CONTACT INFORMATION

If you have any questions about this privacy policy, you can email us at support@blackbooklending.com.

To reach us by mail, write to us at the following address:

Attention: Compliance Department
Black Book Lending
1309 Coffeen Avenue STE 11112
Sheridan, Wyoming 82801

This Policy was last modified on October 5th, 2024.