BetterBizLoans Privacy Policy

1. Introduction, scope, and effective date

This Privacy Policy applies to information we collect through the BetterBizLoans website, our online forms, and your communications with us. "BetterBizLoans," "BBL," "we," "us," and "our" refer to the company; "you" and "your" refer to the business owner or representative using our service. BetterBizLoans operates as a hybrid financing and marketplace service: we provide or arrange some financing directly, and we also match businesses with third-party financing providers. Because of this, sharing your information with providers is a core part of how the service works, and that is described throughout this policy. We currently serve businesses in all 50 states. This policy does not cover the separate privacy practices of any financing provider, partner, or other third-party website. The effective and last-updated date of this policy is June 17, 2026.

2. Information we collect

We collect information in three ways: information you provide, information collected automatically, and information we receive from third parties. We collect only what we need to operate the service, match you to financing options, communicate with you, and meet our legal obligations.

• Information you provide: your contact name, email address (required), phone number (required), business name, the funding amount you are seeking and your intended use of funds, and your consent-to-contact selection. Depending on the form, you may also provide additional business and owner details, such as business location, time in business, revenue, ownership, or credit range, to help match you to options.
• Information collected automatically: device and browser information, IP address, pages viewed and other usage activity, and similar technical data. We use cookies and analytics tools, including Google Analytics and Vercel Analytics, to understand how the site is used and to keep it working and secure.
• Information from third parties: financing providers and partners may share information about the status of your inquiry or the offers they prepare; and identity, fraud-prevention, or credit-verification sources may provide information used to evaluate and process inquiries. Providers may also conduct their own checks under their own privacy practices.
• Sensitive information: some details you provide, such as financial account or credit information, may be treated as sensitive personal information under certain state laws. We use this information only for the purposes described in this policy, such as matching you to financing options and processing your inquiry.

3. How we use your information

We use the information we collect to operate the service and to act on the inquiry you submit. We do not promise or imply approval, funding, or any specific amount, rate, or terms; everything is subject to underwriting and provider approval.

• To match you to financing options and to prepare and present possible offers for the financing products we offer, such as working capital loans, business lines of credit, merchant cash advances (a purchase of future receivables, not a loan), invoice factoring, SBA loans, and equipment financing.
• To contact you about your inquiry or application, including by phone call, text message, or email, where you have given the consent required for those methods. Where you provide consent under the Telephone Consumer Protection Act (TCPA), that consent allows us and our financing partners to contact you about your inquiry, including by automated means or prerecorded messages where applicable. Message and data rates may apply.
• To operate, maintain, improve, and secure the service, including troubleshooting, analytics, and product development.
• To detect, investigate, and help prevent fraud, abuse, and other unauthorized or unlawful activity.
• To comply with applicable laws, regulations, and legal process, and to enforce our terms and protect our rights and the rights of others.

4. How we share your information

Sharing your information with financing providers is central to how BetterBizLoans works. When you submit an inquiry or application, we share the business and contact information you provide with financing providers and partners so that they can review it and prepare and present offers to you. We want this to be clear and honest: submitting the form results in your information being shared with providers to obtain offers. Beyond that, we share information in the limited circumstances below.

• With financing providers and partners: so they can evaluate your inquiry and prepare and present offers. These providers and partners use your information under their own privacy practices, and we encourage you to review them.
• With service providers and processors: vendors that perform functions on our behalf, such as hosting, analytics, communications, security, and customer support. They are permitted to use the information only to provide services to us.
• For legal, safety, and compliance reasons: to comply with law or legal process, to respond to lawful requests, to enforce our terms, and to protect the rights, property, and safety of BetterBizLoans, our users, and others, including for fraud prevention.
• In a business transfer: in connection with a merger, acquisition, financing, reorganization, sale of assets, or similar transaction, information may be transferred as part of that transaction.
• At your direction or with your consent: when you ask us to share information or otherwise agree to a specific disclosure.

5. How we make money and why sharing matters

To help you understand our incentives, here is how BetterBizLoans earns revenue, because it relates to why and how we share your information. This page is informational and is not financial advice.

• Interest and fees on financing we provide directly.
• The difference between the amount advanced and the amount collected on receivables purchases, such as a merchant cash advance (a purchase of future receivables, not a loan) or invoice factoring (a sale of receivables).
• Referral or marketing compensation from third-party financing partners when we connect a business with them.
• Advertising. Because we may be compensated when we connect you with a partner, we have a financial incentive to share your information with providers, and that sharing happens when you submit an inquiry. We still do not promise approval, funding, or any specific amount, rate, or terms.

6. Financial privacy (GLBA)

As a company that provides and arranges financing, certain information you share with us may be treated as nonpublic personal financial information under the Gramm-Leach-Bliley Act (GLBA) and related rules. We collect this information to provide and arrange financing, to communicate with you about your inquiry, and to operate our business. We share it with financing providers and partners so they can prepare offers, with service providers that perform functions on our behalf, and as otherwise permitted or required by law. We maintain safeguards designed to protect this information, as described in the security section below.

7. Marketing and communication choices

You control how we and our partners contact you for marketing, and consent to marketing contact is not a condition of obtaining financing. You can submit an inquiry and still limit or decline marketing communications.

• TCPA consent: if you checked a consent-to-contact box, you agreed to be contacted about your inquiry by the methods described in that consent, which may include calls, texts, or emails, including by automated technology where applicable. Message and data rates may apply, and message frequency varies.
• Texts: you can opt out of marketing text messages by replying STOP to a message, or by contacting us at support@betterbizloans.com. You may receive a confirmation that you have been unsubscribed.
• Calls: you can ask us to stop marketing calls by telling us during a call or by emailing support@betterbizloans.com.
• Email: you can unsubscribe from marketing emails using the link in the email or by contacting support@betterbizloans.com.
• Service messages: even if you opt out of marketing, we may still send non-marketing messages related to your inquiry, your account, security, or legal matters.

8. Your privacy rights

Depending on where you live, you may have rights regarding your personal information under laws such as the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA), the Texas Data Privacy and Security Act, and similar laws in other states. We respect these rights as required by applicable law, and we do not discriminate against you for exercising them.

• Right to know and access: you can request the categories and specific pieces of personal information we have collected about you, the sources, the purposes, and the categories of parties with whom we share it.
• Right to delete: you can request that we delete personal information we have collected, subject to legal exceptions.
• Right to correct: you can request that we correct inaccurate personal information.
• Right to opt out of "sale" or "sharing": some state privacy laws define "sale" and "sharing" broadly. To be transparent, our practice of sharing the information you submit with financing providers and partners so they can prepare offers may be considered a "sale" or "sharing" under some state laws. You can ask us to opt you out of such sharing; note that opting out may limit our ability to obtain offers from providers for you.
• Opt-out preference signals: where required by law, we treat a recognized browser-based opt-out preference signal, such as the Global Privacy Control (GPC), as a request to opt out of "sale" or "sharing" for the browser or device that sends it.
• How to exercise rights: submit a request to privacy@betterbizloans.com. We will take reasonable steps to verify your identity before responding, and you may use an authorized agent where the law allows.
• Appeals: if we decline your request and the law in your state provides a right to appeal, you may appeal by contacting us at privacy@betterbizloans.com, and we will respond as the law requires.
• Non-discrimination: we will not deny you service, charge a different price, or provide a different quality of service because you exercised your privacy rights.

9. Cookies and analytics

We use cookies and similar technologies to operate the site, remember your preferences, measure performance, and understand usage. We use Google Analytics and Vercel Analytics to collect information such as pages viewed, referring sources, device and browser type, and general location derived from IP address. This helps us keep the site reliable and improve it over time.

• You can control cookies through your browser settings, including blocking or deleting cookies, though some features may not work as intended if you do.
• You can learn about and opt out of certain Google Analytics measurement using the tools Google provides, such as the Google Analytics opt-out browser add-on.
• Where required, we present cookie or privacy controls on the site, and your choices there govern how non-essential technologies are used.
• Where required by law, we honor recognized opt-out preference signals, such as the Global Privacy Control, for the browser or device that sends them.

10. How we protect your information

We use administrative, technical, and physical safeguards designed to protect the information we hold against loss, misuse, and unauthorized access, disclosure, or alteration. These measures include access controls and protections appropriate to the sensitivity of the information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. You also play a role in protecting your information by using care when sharing details and by keeping your devices and accounts secure.

11. Data retention

We retain personal information for as long as necessary to provide the service, to communicate with you about your inquiry, to operate and improve our business, and to meet our legal, accounting, fraud-prevention, and recordkeeping obligations. When information is no longer needed for these purposes, we take reasonable steps to delete it or to de-identify it. Retention periods can vary based on the type of information, the purpose for which it was collected, and applicable legal requirements.

12. Children's privacy

Our service is intended for business owners and representatives and is not directed to children. We do not knowingly collect personal information from anyone under 18 years of age. If you believe a person under 18 has provided us with personal information, please contact us at privacy@betterbizloans.com so we can take appropriate steps to remove it.

13. Links to third-party sites

Our site and communications may contain links to websites and services operated by financing providers, partners, and other third parties. We do not control those sites and are not responsible for their content or their privacy practices. When you leave our site or share information directly with a provider, the privacy policy of that third party applies. We encourage you to review the privacy policies of any third party before providing your information.

14. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. When we make material changes, we will update the effective date at the top of this page and, where appropriate, provide additional notice. We encourage you to review this policy periodically. If you continue to use the service after an update, the updated policy will apply to your use going forward.

15. How to contact us

If you have questions about this Privacy Policy or how we handle your information, or if you want to exercise a privacy right, contact us at privacy@betterbizloans.com. For legal matters you may reach us at legal@betterbizloans.com, and for general help you may reach us at support@betterbizloans.com. We will do our best to respond promptly and to address your request as required by applicable law.