What?

The personal information we collect and share varies based on the product or service you have with us. This may include:

• Social Security number
• Bank account information
• Employment information
• Income information
• Residence, telephone and personal information
• Pay period information

How?

All financial companies must share consumers' personal information to conduct their daily operations. Below, we outline the reasons financial companies may share personal information, the reasons brightstarloan.com chooses to share, and whether you have the option to limit this sharing.

Who We Are

Who is providing this notice?

brightstarloan.com

What We Do

How does brightstarloan.com safeguard my personal information?

To safeguard your personal information from unauthorized access and use, we implement security measures in compliance with federal law. These measures include secure files, buildings, and computer safeguards. While our website is encrypted to protect your online interactions with us, it may contain links to other websites for which we are not responsible regarding their privacy policies.

How does brightstarloan.com collect my personal information?

We collect your personal information, for example, when you Ask us to submit your loan request to possible lenders.

Why can't I limit all sharing?

Under federal law, you have the right to limit only:

• sharing for affiliates' everyday business purposes - information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

Affiliates

Companies under common ownership or control, which may include both financial and non-financial entities.

Nonaffiliates

Companies that are not under common ownership or control, including both financial and non-financial entities.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Additional Important Information

Our business relies on transmitting and sharing your information with non-affiliated lenders and marketing partners. By using our service, you consent to this sharing and the receipt of marketing offers. Opting out of this sharing is not possible while using our service. If you do not agree, you must discontinue your loan request. Once you have submitted and received a decision on your initial loan request, we may use and share your information (and allow non-affiliated third parties to do the same) to market other credit and non-credit products and services, unless restricted by law or an agreement with your lender. You can prevent this use and sharing by choosing not to accept our Terms of Use. If you do not agree to our Terms of Use, we generally cannot provide our services to you. These terms also explain how we and our marketing partners (non-affiliates) may, with your prior express written consent, contact you via phone and text using automated dialing systems.

Security

To safeguard your personal information from unauthorized access and use, we implement security measures in compliance with federal law. These measures include secured files, buildings, and computer safeguards. Whenever we collect sensitive information, it is encrypted and securely transmitted to us.

Cookies

To safeguard your personal information from unauthorized access and use, we implement security measures in compliance with federal law. These measures include secured files, buildings, and computer safeguards. Whenever we collect sensitive information, it is encrypted and securely transmitted to us.We use "cookies" on this site—small data files stored on your device—to enhance your access and recognize repeat visitors. Cookies also help us track user interests, allowing us to improve and personalize your experience.

1. Right to Know About Personal Information Collected, Disclosed, or Sold

You have the right to request that brightstarloan.com disclose the personal information we collect, use, disclose, and sell. To make a request, you can email Info@brightstarloan.com or click here. For details on the categories of information collected or disclosed, please refer to the section above, which reflects the data collected or disclosed in the past 12 months. To verify your request, you must provide your name, email, and phone number. A verification link will be sent to your email, directing you to a secure page where you must enter additional details, including your name, email address, date of birth, driver’s license or state ID number, and Social Security number. We will match the information you provide with our records. Additionally, you must submit a signed declaration under penalty of perjury confirming that you are the consumer whose personal information is being requested. Once your identity is verified, we will process your request promptly.

2.Right to Request Deletion of Personal Information

To verify your request for deletion, you must provide your name, email, and phone number. A verification link will be sent to your email, directing you to a secure page where you must enter additional details, including your name, email address, date of birth, driver’s license or state ID number, and Social Security number. We will compare the information you provide with our records at brightstarloan.com. Additionally, you must submit a signed declaration under penalty of perjury confirming that you are the consumer whose personal information is being requested for deletion. Once your identity is verified, we will process your request promptly.

3.Right to Opt Out of the Sale of Your Personal Information

You have the right to opt out of the sale of your personal information. You can instruct brightstarloan.com to stop selling your personal information and prevent future sales by clicking here or sending a request to Info@brightstarloan.com. If you are an Authorized Agent acting on behalf of a consumer to exercise their right to opt out, please email Info@brightstarloan.com with your request. You will need to provide documentation proving your authority to act on the consumer’s behalf.

4.Right to Non-Discrimination for Exercising Consumer Privacy Rights

• Charge different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties.
• Deny you goods or service
• Provide you with a different level or quality of service if you exercise your rights under the CCPA.
• Suggest that you will receive a different price or rate for goods or services or a different level of quality of goods or services.

5.Submitting Requests Through an Authorized Agent

You have the right to appoint an authorized agent to submit a request under the CCPA on your behalf. To do so, the authorized agent must send an email request to Info@brightstarloan.com and provide documentation verifying their authority to act on your behalf.