Effective Date: April 1, 2020
Last Updated: May 20, 2025

Introduction and Overview

At Bluegrass Lending, Inc. (“Bluegrass Lending,” “we,” “our,” or “us”), we are committed to protecting your privacy and providing full transparency in how we collect, use, and share your personal information. As a provider of small business financial solutions — including loans, lines of credit, SBA assistance, credit enhancement, and bookkeeping — we understand the importance of trust in financial services.

This Privacy Policy explains how we handle your personal data when you use our website, applications, or services. It also details your rights and choices regarding your information and outlines the measures we take to protect it.

Scope of this Privacy Policy

This Privacy Policy applies to:

Bluegrass Lending Services: Services directly offered by Bluegrass Lending, including funding, financial management, credit support, and related consultations.

Bluegrass Lending Platform: Third-party financial products, tools, or services offered through co-branded partnerships, where your information may be shared with unaffiliated third parties under a legal basis or with your consent.

Your continued use of our website or services constitutes your agreement to the terms outlined here and in our Terms of Use.

Information We Collect

1. Information You Provide to Us

We collect information directly from you when you apply for a product, register an account, fill out a form, or communicate with us.

Examples include:

Personal and Contact Information: Full name, date of birth, email, phone number, home/business address.

Business Information: Company name, EIN, legal structure, ownership, operational data, and financial statements.

Identity Verification: SSN, driver’s license, or other government-issued IDs.

Financial Data: Bank statements, income details, tax documents, credit history, and payment processing data.

Communications: Emails, messages, phone recordings (where permitted by law), or chatbot interactions.

2. Information We Collect Automatically

We gather certain data automatically when you visit our website or interact with our services:

Usage Data: Pages viewed, navigation path, time on page, clicks, scroll depth, form entries.

Device Info: IP address, browser type, operating system, device ID, screen resolution.

Location Data: Inferred geographic region (based on IP) to detect fraud or optimize service availability.

Use Case Examples:

Recognizing returning visitors to streamline login and autofill forms.

Monitoring unusual login patterns to prevent unauthorized access.

Analyzing trends to improve navigation and service delivery.

3. Information from Third Parties

We also collect information from trusted third-party sources, such as:

Credit Reporting Agencies: Credit scores, tradelines, and payment history to assess loan eligibility.

Business Affiliates: Contact information or product interest shared via referrals.

Data Aggregators (e.g., Plaid): Securely link your financial accounts for faster processing.

Verification Services: Confirm identity or business legitimacy for compliance purposes.

Social Media & Public Sources: Public comments, reviews, or engagement on our social platforms.

Cookies and Tracking Technologies

We use cookies, pixels, and similar technologies for various purposes:

Types of Cookies Used:

Essential Cookies: Enable basic site features such as login, account access, and session continuity.

Performance Cookies: Track usage behavior to help us improve content and navigation (e.g., Google Analytics).

Marketing Cookies: Enable targeted advertising (e.g., Meta/Facebook Pixel) and retargeting based on browsing history.

Third-Party Services Include:

Google Analytics: Tracks site interaction and engagement
Opt-out: https://tools.google.com/dlpage/gaoptout

Meta/Facebook Ads: Delivers relevant ads based on your interests
Opt-out: https://www.facebook.com/adpreferences/ad_settings

Your Controls:

Use your browser settings to block or delete cookies.

Use opt-out tools linked above to manage preferences.

Decline cookie tracking via the cookie consent banner upon first visit.

How We Use Your Information

Your data helps us serve you better. We use it to:

Process applications and determine eligibility for financial products.

Deliver and personalize services based on your preferences or location.

Respond to inquiries and provide account support.

Recommend relevant financial solutions and product offerings.

Perform analytics to improve services, identify trends, and assess performance.

Monitor for fraud, unauthorized activity, or security threats.

Fulfill legal and regulatory obligations, including anti-money laundering (AML) and Know Your Customer (KYC) requirements.

How We Share Your Information

We do not sell your information. However, we may share it under specific circumstances:

With Service Providers: To facilitate services such as payment processing, data storage, hosting, and analytics.

With Affiliates & Platform Partners: When you request or consent to third-party services (e.g., a partner lender or bookkeeping tool).

Legal Requirements: To respond to subpoenas, enforce legal rights, or comply with regulatory mandates.

In Business Transactions: During a merger, acquisition, restructuring, or asset sale.

With Your Consent: When you intentionally interact with co-branded or partner offerings.

Your Rights and Choices

Depending on your location and applicable law, you may:

Access or Correct Data: Review the information we hold and request corrections.

Opt Out of Marketing: Unsubscribe from promotional emails or SMS.

Request Deletion: Ask us to delete your personal information, subject to compliance obligations.

Manage Cookies: Control how data is collected via browser settings or our cookie management tool.

Data Security

We implement multiple layers of protection, including:

Encryption: Data at rest and in transit is encrypted using industry standards.

Access Control: Employee access is role-based and logged.

Monitoring & Audits: Continuous scanning for threats and regular third-party security reviews.

Incident Response Plan: We are prepared to act quickly in the event of a breach.

What You Can Do:

Use strong, unique passwords.

Avoid reusing login credentials across multiple sites.

Only access our services over secure (non-public) internet connections.

Enable multi-factor authentication where available.

Children’s Privacy

We do not knowingly collect personal data from individuals under 18. If we become aware of such data, it will be promptly deleted.

Third-Party Links

Our website may include links to other financial service providers or information sources. This Privacy Policy does not apply to those third-party sites. Please review their policies before submitting data.

Changes to This Policy

We may update this Privacy Policy periodically. Material updates will be communicated via:

Email notifications (if you have an account)

Website banners or in-app alerts

Contact Us

If you have any questions or would like to exercise your privacy rights, please contact us:

Bluegrass Lending, Inc.
 P.O. Box 919, Pewee Valley, KY 40056
 Phone: 502-618-4988
 Email: [email protected]