Privacy Policy

1. Introduction

BH Blue Sky INC ("Company," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website bhbluesky.com or use our financial services.

2. Information We Collect

We may collect the following types of personal information:

• Full name, email address, and phone number
• Financial information related to loan applications
• Employment and income information
• Device information, IP address, and browsing data
• Communication preferences and consent records

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate loan applications
• Communicate with you about your account and services
• Send transactional and informational messages via email, phone, or SMS
• Comply with legal and regulatory requirements
• Improve our website and services

4. Text Messaging & SMS Policy

BH Blue Sky INC offers SMS messaging services for customer care, account updates, and promotional communications. By opting in via our contact form, you consent to receive text messages sent using an automatic telephone dialing system (ATDS). Consent is not a condition of purchase.

Message Types

You may receive messages related to: customer care inquiries, account-related notifications, promotional offers and marketing communications.

Message Frequency

Message frequency may vary depending on your interactions with us. You will not receive more messages than necessary for the stated purposes.

Opt-Out

You may opt out at any time by replying STOP to any message. After opting out, you will receive one final confirmation message and no further texts.

Help

For assistance, reply HELP to any message or contact us at michael@bhbluesky.com.

Costs

Message and data rates may apply. BH Blue Sky INC does not charge for SMS messages, but carrier rates may apply.

Privacy

We do not sell, rent, or share your phone number or SMS opt-in data with third parties for their marketing purposes. SMS consent and phone numbers collected are used exclusively for the messaging purposes described in this policy.

Carriers

Carriers are not liable for delayed or undelivered messages.

5. Information Sharing

We do not sell your personal information. We may share your information with:

• Service providers who assist in processing loans and communications
• Credit bureaus and financial institutions as required for lending operations
• Regulatory authorities and law enforcement when required by law

6. Data Security

We implement appropriate technical and organizational security 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.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of certain communications

8. Cookies and Tracking

Our website may use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and personalize content. You can manage your cookie preferences through your browser settings.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at michael@bhbluesky.com.