What information is being collected?
BCBL collects information from you when you register or inquire for our services. This information may include, but is not limited to, your full name, e-mail address, physical mailing address, phone number(s), social security number and banking account information. We may also collect information regarding our transactions and interactions with you, including your payment histories. From time to time BCBL may also collect information from third-parties’ websites or applications as specified in this policy below. You may, however, visit our site anonymously should you wish to do so.
What do we do with the information we collect?
Any information collected from you may be used in any of the following manners:
To compile, save, use and analyze your information in both a personally-identifiable form and an aggregated, non-personally identifiable form;
To operate, maintain, improve and provide to you our Services and Financial Solutions, conducting our business and processing transactions;
To verify your identity and “KYC” details;
To establish you as a user with BCBL and identify you when you sign in to your account;
To perform background checks and determine your eligibility for funding options;
If you are approved for funding, to process, service and collect your financing transaction;
To customize your experience and improve customer service (your information allows us to respond more effectively to your individual needs, your service requests, to send marketing communications and send account update information);
To develop and implement improvements on our website (we continuously strive to enhance our website’s offerings and financial solutions based on the information and feedback we receive from your interactions);
We will share your Personal Information with third parties only in the ways that are described in the policy.
Security and how BCBL protects your information?
We take security and data security very seriously and have developed a comprehensive set of policies, practices, technologies and standards to ensure that your data is as secure as possible. BCBL makes data security a priority to take our users’ security and privacy concerns seriously. We and our partners use some of the most advanced technology for Internet security that is commercially available today.
BCBL has implemented an array of security measures to maintain the safety of your personal information when using the Site. Form submissions and personal data are all secured after being submitted. All of our communications and data processing occur through Secure Socket Layers (SSL) technology, using industry standard SSL encryption to ensure the security of all information where all data is stored on a secure server database only to be accessed by those authorized. Your information and data are confidential.
To prevent unauthorized access, BCBL maintains data accuracy, and ensures the correct use of any information provided, we have adopted appropriate physical, electronic, and managerial practices to safeguard and secure the information we have collected through the Site. BCBL also uses the services of other leading companies to process some financial transactions for security purposes.
While we will do our best to protect your personal information, BCBL cannot ensure or warrant the security of any data or content that you’ve transmitted to us, and you do so at your own risk. Security vulnerabilities that are sometimes out of our control may be factors that cause issues with data security. In the event of a data breach or a breach of the security of your personally identifiable information, we will, to every extent required by law, notify you so you can take appropriate safeguarding steps to protect yourself and your information.
Do we disclose any information to outside parties or third party vendors?
When necessary, BCBL will provide your information to our trusted financial and business partners who assist us in operating the Site, conducting our business and services (including partners referring you to us), or physically servicing your account. BCBL ensures that all operating parties agree to keep this information confidential as outlined in our policies. Your information may be disclosed to third parties to whom BCBL may refer you or your inquiry or application for financing or other services on a case by case basis. In addition, it may be required that BCBL discloses our transactions and interactions with you to credit bureaus.
Additional disclosure circumstances:
For use and as required by state and federal laws, in order to comply with a subpoena, judicial or administrative order and/or any similar legal process(es);
BCBL may, in good faith, disclose information as necessary to (i) protect our rights or the rights of third parties (ii) to protect our property and safety or the property and safety of others, or (iii) investigate fraud or acquiesce a request from a government entity;
If BCBL is involved in an acquisition, merger, transfer, auction (including bankruptcy proceedings) or sale of all or a substantial portion of all of its assets or equity, in association with such a transaction;
Non-personally identifiable Site visitor information or details may be provided to other third parties for marketing, advertising, or other related uses.
To financial collection agencies, credit bureaus and fraud prevention specialists or groups;
To any other third party with your prior consent to do so on a case by case basis.
Using Third Party Vendors, Services, and Data Retention.
DMV (Department of Motor Vehicles) Information
BCBL may use information collected about you from individual or multiple state departments of motor vehicles (“DMVs”) for use in the standard course of business to ensure the accuracy of information you have submitted to us. We may be forced to redisclose such DMV information only for a permitted use, including but not limited to our own data collection purposes.
Governing Laws and consent
You agree that this policy is governed by the laws of the State of Texas and California without regard to conflict of laws hereof.
By using the Site, you consent to our website’s policy.
Changes and updates to our Privacy and Security Policies
If changes are made to our policy, we will post those changes on this web page. In the event of a change or update, your continued use of the Site, shall constitute your acceptance of the updated policy changes.
This Privacy and Security Policy is Effective as of: October 1st, 2019.