Privacy Policy

1. Information We Collect

Information you provide to us:

• Contact information: your name, email address, and phone number.
• Loan-related information: loan scenario (purchase or refinance), property state, property type, number of rental properties, ownership type (LLC or personal), and estimated income.
• Any other information you choose to share when you message or call us.

Information collected automatically:

• Usage and device data such as your browser type, device type, IP address, pages viewed, and the dates and times of your visits.
• Cookies and similar technologies (see Section 5).

2. How We Use Your Information

• Respond to your questions and follow up about DSCR loan options.
• Help determine whether a DSCR loan may fit your situation.
• Contact you by phone, email, or text message about your inquiry.
• Operate, maintain, and improve our Site and services.
• Protect against fraud and comply with legal obligations.

3. SMS / Text Messaging

If you provide your phone number and opt in, we may send you text messages related to your inquiry, such as follow-ups about your DSCR loan request.

• Message frequency varies.
• Message and data rates may apply.
• Reply STOP at any time to opt out.
• Reply HELP for help.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties.

4. How We Share Information

We do not sell your information, and we do not share it with third parties for their own marketing purposes. We may share information only:

• With trusted service providers who help us operate the Site and communicate with you (for example, our website host and text messaging provider), and only as needed to provide our services.
• When required by law, regulation, legal process, or to protect our rights, safety, or property.
• In connection with a business transfer (such as a merger or acquisition), in which case we will notify you of any change in how your information is handled.

5. Cookies and Tracking Technologies

Our Site may use cookies and similar technologies to remember your preferences, understand how the Site is used, and improve your experience. You can control or disable cookies through your browser settings, though some features of the Site may not work properly without them.

6. Third-Party Links and Services

Our Site may contain links to third-party websites or use third-party tools. We are not responsible for the privacy practices of those third parties, and we encourage you to review their privacy policies.

7. Data Retention

We keep your information only for as long as needed to provide our services, respond to your inquiry, and meet legal, accounting, or reporting requirements. When it is no longer needed, we take reasonable steps to delete or de-identify it.

8. Data Security

We take reasonable steps to protect your information. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

9. Your Rights and Choices

Depending on where you live, you may have the right to:

• Access the personal information we hold about you.
• Request that we correct or delete your information.
• Opt out of marketing communications.

You can opt out of text messages at any time by replying STOP. To make any other request, contact us using the details below. We will respond as required by applicable law.

10. Children's Privacy

Our Site is not intended for anyone under the age of 18, and we do not knowingly collect personal information from children. If you believe a child has provided us information, please contact us and we will delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Effective Date." Your continued use of the Site after changes are posted means you accept the updated policy.

12. Contact Us

Beacon Lending
Email: brianq@beaconlending.com
Phone: +1 (888) 308-4008
Website: https://dscr-insight-hub.lovable.app/