Privacy Policy

Welcome to Blackburn Business Capital, operated by Olgas Friends LLC. We respect the privacy of our clients, partners, and visitors. This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our website at www.bbizcap.com or use our services.

1. Information We Collect

We may collect the following types of information:

• Personal Information: Information you provide directly, such as your name, email address, phone number, mailing address, and financial data relevant to our services.
• Technical Information: Details about your device, browser type, IP address, and visit patterns, which we collect through cookies and similar tracking technologies.
• Application Information: If you start an application or request information, we collect partial information to improve our engagement and follow up as necessary.
• Transactional Data: Records of services requested, inquiries, or transactions you initiate with us.

2. How We Use Your Information

Your information is used in the following ways:

• Service Delivery: To process your funding applications, match you with lending partners, and provide our core services.
• Service Improvement: To personalize and enhance your experience on our website.
• Marketing and Communications: For marketing purposes and to send you updates about our products and services.
• Customer Service: To respond to inquiries, process requests, and deliver customer service efficiently.
• Legal and Regulatory Compliance: To comply with applicable laws and regulations, resolve disputes, and enforce our agreements.

3. Cookie Policy

We use cookies to:

• Enhance your browsing experience.
• Collect statistical data on how visitors interact with our site.
• Customize advertising and content based on your preferences.

You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect the functionality of our website.

4. SMS Communications

By providing your phone number and opting in to our SMS communications, you consent to receive text messages from Blackburn Business Capital regarding your funding application, account updates, and promotional offers. Key terms:

• Message frequency varies based on your activity and our services.
• Message and data rates may apply depending on your carrier.
• You may opt out at any time by replying STOP to any message.
• For help, reply HELP or contact us at the information provided below.
• No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

5. How We Share Your Information

We may share your information with:

• Lending Partners: When you apply for funding, we share your application data with our network of lending partners to match you with appropriate financing options. This is the core function of our marketplace service.
• Service Providers: Third parties who assist us in operating our business, such as IT providers, marketing platforms, and analytics services. These providers are contractually obligated to protect your data.
• Legal Requirements: When required by law, regulation, legal process, or governmental request.

We do not sell your personal information to third parties for their independent marketing purposes.

Text messaging: All of the categories above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, including lending partners.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy or as required by applicable law. When your information is no longer needed, we will securely delete or anonymize it in accordance with our data retention policies.

7. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

8. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Right to Access: Request a copy of the personal information we hold about you.
• Right to Correction: Request correction of inaccurate or incomplete information.
• Right to Deletion: Request deletion of your personal information, subject to legal obligations.
• Right to Opt-Out: Opt out of marketing communications at any time.
• Right to Data Portability: Request a copy of your data in a commonly used format.

To exercise any of these rights, please contact us using the information provided below.

9. California Privacy Rights (CCPA)

Under the California Consumer Privacy Act (CCPA), California residents have specific rights regarding their personal information, including:

• Right to Know: Request information about the categories and specific pieces of personal information we have collected about you.
• Right to Delete: Request deletion of your personal information.
• Right to Opt-Out: Choose not to have your data sold. Currently, we do not sell any personally identifiable data to outside sources for marketing purposes.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To submit a CCPA request, contact us at info@bbizcap.com or call (954) 280-3922.

10. Virginia Consumer Data Protection Act

Virginia residents have similar rights to California, including:

• Right to access, correct, and delete personal data.
• Right to opt out of targeted advertising and profiling.
• Right to appeal if a request is denied.

11. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information.

12. Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

13. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page and the "Last Revised" date will be updated. Your continued use of our Services after changes are posted constitutes acceptance of the updated Privacy Policy.

14. Contact Information