PRIVACY POLICY

1. Introduction

BreadFinancialApply.com ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website. Please read this policy carefully. If you disagree with any terms, please discontinue use of this site.

2. Information We Collect

Information You Provide Directly

• Contact form submissions (name, email address, message content)
• Newsletter or email subscription sign-ups
• Survey or feedback form responses

Information Collected Automatically

• IP address and approximate geographic location (country/city level)
• Browser type, version, and operating system
• Pages viewed, time on page, and referring URLs
• Device type (desktop, mobile, tablet)
• Cookies and similar tracking technologies (see Section 5)

3. How We Use Your Information

We use the information we collect for the following purposes:

• To operate and improve our website and content quality
• To respond to your inquiries and support requests
• To analyze site traffic and user behavior using aggregated analytics
• To send newsletters or updates you've subscribed to (opt-out available at any time)
• To comply with legal obligations and enforce our Terms of Use
• To detect, prevent, and address technical issues or fraud

We do not sell your personal information to third parties. We do not use your data to make automated decisions with legal or significant effects on you.

4. How We Share Your Information

We may share information in the following limited circumstances:

• Service Providers: Analytics providers (e.g., Google Analytics), email platforms, and hosting providers who assist us in operating our website. These parties are contractually bound to protect your data.
• Affiliate Partners: If you click a link to a financial product and apply, the partner lender will collect your application data under their own privacy policy. We do not receive your application or financial data.
• Legal Compliance: When required by law, court order, or governmental authority.
• Business Transfers: In connection with any merger, acquisition, or sale of assets.

5. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience and analyze site traffic.

Types of Cookies We Use

• Essential Cookies: Required for core website functionality. Cannot be disabled.
• Analytics Cookies: Google Analytics and similar tools that help us understand how visitors interact with the site. Data is aggregated and anonymized.
• Advertising/Affiliate Cookies: Used to track referrals to partner websites for commission attribution. These cookies are set by third-party affiliate networks.

You can control cookie settings through your browser preferences. Disabling cookies may impact certain website features.

6. Your Privacy Rights

California Residents (CCPA)

Under the California Consumer Privacy Act, California residents have the right to: know what personal data we collect and how it's used, request deletion of your personal data, opt out of the sale of personal data (we do not sell data), and non-discrimination for exercising your rights.

European Residents (GDPR)

If you are located in the European Economic Area, you have the right to access, correct, delete, or restrict processing of your personal data, as well as the right to data portability. To exercise these rights, contact us at the information below.

7. Data Retention

We retain personal data only as long as necessary for the purposes described in this policy, or as required by law. Analytics data is retained for up to 26 months. Contact form submissions are retained for up to 12 months unless you request deletion.

8. Data Security

We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. Our website is served over HTTPS. However, no internet transmission is 100% secure, and we cannot guarantee absolute security.

9. Third-Party Links

Our website contains links to third-party sites, including Bread Financial (breadfinancial.com) and other financial product pages. We are not responsible for the privacy practices of those websites. We encourage you to read their privacy policies before submitting any personal data.

10. Children's Privacy

Our website is not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If we learn that a minor has provided us with personal data, we will delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by updating the "Last Updated" date at the top of this page. Continued use of the site after changes constitutes your acceptance of the updated policy.