Privacy Policy

Bluebird Funding LLC ("Bluebird Funding," "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 visit our website at www.bluebirdfunding.com (the "Site") and use our business financing services (collectively, the "Services").

By accessing or using our Site and Services, you agree to the terms of this Privacy Policy. If you do not agree with our policies and practices, please do not use our Site or Services.

1. Information We Collect

We collect several types of information from and about users of our Site and Services, including:

1.1 Personal Information You Provide

When you apply for financing, request information, or communicate with us, we may collect personal information such as:

• Full name, email address, phone number, and mailing address
• Business name, business address, EIN/TIN, and industry
• Date of birth, Social Security number, and government-issued identification
• Financial information, including bank statements, credit card processing statements, revenue data, tax returns, and business bank account information
• Information about business owners, officers, guarantors, and authorized representatives
• Employment history, income, and credit history
• Any other information you choose to provide

1.2 Information Collected Automatically

When you visit our Site, we automatically collect certain information about your device and usage, including:

• IP address, browser type, and operating system
• Device type, screen resolution, and language preferences
• Pages visited, time spent on pages, referring URLs, and clickstream data
• Cookies, web beacons, and similar tracking technologies

1.3 Information from Third Parties

We may receive information about you from third parties, including:

• Credit bureaus and consumer reporting agencies
• Business information providers and public databases
• Banking partners and payment processors
• Marketing partners, advertising networks, and analytics providers
• Identity verification services and fraud prevention providers

2. How We Use Your Information

We use the information we collect for various business and commercial purposes, including:

• Processing and evaluating your application for business financing
• Connecting you with suitable lending partners and funding products
• Verifying your identity and preventing fraud
• Communicating with you about your application, account, and our Services
• Providing customer support and responding to inquiries
• Marketing our products and services to you, where permitted by law
• Improving our Site, Services, and user experience
• Conducting analytics, research, and performance monitoring
• Complying with legal obligations and enforcing our agreements
• Protecting our rights, property, and safety, and that of our users and partners

3. How We Share Your Information

We may share your personal information with the following categories of recipients:

• Lending Partners and Funding Sources: We share your application information with our network of lenders, funding providers, and financial institutions to match you with appropriate financing options.
• Service Providers: We engage third-party vendors to perform services on our behalf, such as website hosting, data analytics, customer relationship management, email delivery, identity verification, and payment processing.
• Business Partners: With your consent or as necessary to fulfill your request, we may share information with referral partners, affiliates, and other business partners.
• Legal and Regulatory Authorities: We may disclose information when required by law, subpoena, court order, regulatory request, or to protect our legal rights.
• Corporate Transactions: In connection with a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, your information may be transferred as part of that transaction.

We do not sell your personal information to third parties for monetary consideration. We may share information for cross-context behavioral advertising or other targeted marketing purposes as permitted by applicable law.

4. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar technologies to enhance your experience, analyze Site usage, and deliver personalized content and advertisements. You can control cookies through your browser settings, but disabling cookies may affect the functionality of our Site.

We may use the following types of cookies:

• Essential Cookies: Necessary for the Site to function properly.
• Analytics Cookies: Help us understand how visitors interact with our Site.
• Marketing Cookies: Used to deliver relevant advertisements and measure campaign effectiveness.
• Preference Cookies: Remember your settings and preferences.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, and disclosure. These measures include encryption, access controls, firewalls, and secure data storage practices.

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

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. This includes retaining information to process applications, comply with legal obligations, resolve disputes, and enforce our agreements.

7. Your Privacy Rights

Depending on your state of residence, you may have certain rights regarding your personal information, including:

• The right to know what personal information we collect, use, and disclose
• The right to access and receive a copy of your personal information
• The right to correct inaccurate personal information
• The right to request deletion of your personal information
• The right to opt out of the sale or sharing of personal information
• The right to limit the use of sensitive personal information
• The right to non-discrimination for exercising your privacy rights

To exercise your rights, please contact us using the information provided below. We may need to verify your identity before processing your request.

8. Children's Privacy

Our Site and Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information promptly.

9. Third-Party Links

Our Site may contain links to third-party websites, applications, or services. This Privacy Policy does not apply to those third-party sites, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party sites you visit.

10. Do Not Track

Some browsers offer a "Do Not Track" feature. Our Site does not currently respond to Do Not Track signals. However, you may opt out of certain tracking activities by adjusting your browser settings or using industry opt-out tools.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. We will post the revised policy on this page with an updated "Last updated" date. Your continued use of the Site and Services after any changes constitutes your acceptance of the revised policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: