Privacy Policy

1. What Data We Collect

We collect two categories of information: data you provide directly, and data collected automatically when you visit our site.

Data you provide directly

We only collect personal data when you choose to provide it — for example, when you contact us via email or a contact form. This may include:

• Your name and email address (if you contact us directly)
• The content of your message or inquiry
• Any additional information you voluntarily include in correspondence

We do not operate a loan application system and do not collect financial information such as bank account details, Social Security Numbers, or credit scores. If you wish to apply for a loan, you will be redirected to a third-party lender's website, which operates under its own privacy policy.

Data collected automatically

When you visit BrightLending, certain technical information is collected automatically by our servers and third-party analytics tools:

• Your IP address and approximate geographic location (country/region level)
• Browser type, version, and operating system
• Pages visited, time spent on each page, and navigation path through the site
• Referring URL (the website or search engine that brought you to us)
• Device type (desktop, mobile, tablet)
• Date and time of your visit

2. How We Use Your Data

We use the information we collect for the following purposes:

• To operate and improve the website: Analytics data helps us understand which content is useful, where users encounter difficulty, and how to improve the site's structure and performance.
• To respond to inquiries: If you contact us, we use your name and email to reply and to follow up if necessary.
• To measure content performance: We track page views, session duration, and engagement metrics to evaluate which articles and guides are most valuable to our readers.
• To detect and prevent security issues: IP addresses and server logs help us identify unusual traffic patterns, bot activity, or potential security threats.
• To comply with legal obligations: We may process and retain certain data as required by applicable law, including in response to lawful government or court requests.

We do not use your personal data for automated decision-making or profiling. We do not sell your personal information to third parties.

3. Cookies & Third-Party Advertising

BrightLending uses cookies — small text files stored on your device — to enhance your experience and to support advertising and analytics functions.

Types of cookies we use

• Essential cookies: Required for the website to function correctly. These cannot be disabled without affecting core site functionality.
• Analytics cookies: We use Google Analytics to collect anonymised data about how visitors interact with our site. This helps us improve content and user experience. Google Analytics data is processed by Google LLC in accordance with Google's Privacy Policy.
• Advertising cookies: We participate in affiliate programs and may display third-party advertisements. Advertising partners, including Google AdSense and affiliate networks, may use cookies to serve ads based on your browsing history and interests.

Third-party advertising

Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this and other websites. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to BrightLending and other sites on the internet.

You may opt out of personalised advertising by visiting Google's Ads Settings, or by visiting the Digital Advertising Alliance opt-out page.

Managing cookies

You can control or delete cookies through your browser settings. Disabling cookies may affect your experience on this and other websites. For guidance on managing cookies in your specific browser, refer to your browser's help documentation.

4. Data Sharing & Disclosure

We do not sell, rent, or trade your personal information. We may share limited data only in the following circumstances:

• Service providers: We share data with trusted third-party service providers who assist in operating our website, including hosting providers, analytics platforms, and email service providers. These providers are contractually required to protect your data and may not use it for their own purposes.
• Affiliate partners: If you click an affiliate link and visit a third-party lender's website, that lender may place its own cookies and collect data under its own privacy policy. We do not share your personal data with affiliate partners directly — any data they collect is governed by their own terms.
• Legal requirements: We may disclose your information if required to do so by law, court order, or governmental authority, or if we believe disclosure is necessary to protect the rights, property, or safety of BrightLending, our users, or the public.
• Business transfers: If BrightLending is acquired by or merged with another organisation, your information may be transferred as part of that transaction. We will notify you via a notice on this page if such a transfer occurs.

In all cases, we require that any third party receiving your data maintains appropriate security standards and uses your data only for the purposes for which it was shared.

5. Your Rights

Depending on your location, you may have the following rights regarding your personal data. We are committed to honouring these rights upon verified request.

California residents may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information.

To exercise any of your rights, please contact us using the details below. We will respond within 30 days of receiving a verified request.