Privacy Policy

1. Who we are

This Privacy Policy explains how [Company legal name] ("we", "us", "our"), which operates the website b9advanceapp.com (the "Site"), collects, uses, and shares your information. The Site is an independent comparison resource. We are not a lender, bank, or financial adviser, and we are not affiliated with, endorsed by, or operated by B9, Inc.

2. Information we collect

Information you give us

When you use a form on the Site — including any application, pre-qualification, or contact form — you may provide information such as your name, email address, phone number, postal or ZIP code, and financial details (for example income, pay frequency, or the amount you're looking for). Some of these fields may be considered sensitive information.

Information collected automatically

Like most websites, we and our providers automatically collect technical data such as your IP address, browser and device type, pages viewed, referring URLs, and interactions with the Site, using cookies and similar technologies.

Information from third parties

We may receive information about you from advertising, analytics, or lead-generation partners, consistent with their own policies.

3. How we use your information

• To operate, maintain, and improve the Site and its content;
• To process form submissions and connect you with third-party products or offers you request;
• To respond to your questions and communicate with you;
• To measure traffic and performance through analytics;
• To display or improve advertising, including affiliate links;
• To detect fraud and comply with legal obligations.

4. How we share your information

This is important. If you submit an application or pre-qualification form, your information may be shared with third-party partners — including lead-generation providers, lenders, banks, or other financial companies — who may then contact you and market their products to you. Those third parties use your information under their own privacy policies, which we do not control. We may also share information with:

• Service providers (hosting, form processing, analytics, email) acting on our behalf;
• Advertising and affiliate partners, which may set cookies or receive limited data;
• Legal and safety recipients, where required by law or to protect rights and safety;
• A successor in connection with a merger, acquisition, or sale of assets.

We do not knowingly share more than is necessary for these purposes.

5. “Sale” or “sharing” of personal information & your opt-out

Some data practices described above — particularly passing form data to lead-generation or advertising partners — may be considered a “sale” or “sharing” of personal information under laws such as the California Consumer Privacy Act (CCPA/CPRA) and similar state laws. You have the right to opt out. To opt out, email us at [email protected] with the subject “Do Not Sell or Share My Personal Information,” or use the [link to your opt-out page/mechanism].

6. Cookies & tracking technologies

We use cookies and similar technologies for functionality, analytics (for example [Google Analytics / Bing]), and advertising. You can control cookies through your browser settings, and you can opt out of some advertising cookies through industry tools such as the DAA (optout.aboutads.info) or NAI (optout.networkadvertising.org). Blocking cookies may affect how the Site works.

7. Third-party links & services

The Site links to and embeds third-party services (for example the application form and links to providers like B9, Dave, EarnIn, or Brigit). We are not responsible for the content or privacy practices of those third parties. Check their policies before providing information or signing up.

8. Data retention

We keep personal information only as long as needed for the purposes described here or as required by law, after which we delete or de-identify it.

9. Security

We use reasonable technical and organizational measures to protect information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

10. Your privacy rights

Depending on where you live, you may have rights to access, correct, delete, or port your personal information, to opt out of sale/sharing or targeted advertising, and to not be discriminated against for exercising these rights (for example under the CCPA/CPRA and other U.S. state laws; the GDPR/UK GDPR if you are in the EU/UK). To exercise any right, contact us at [email protected]. We will verify and respond as required by applicable law.

11. Calls, texts & email consent

If you provide a phone number on a form, you may be consenting to be contacted by us or our partners, potentially using automated technology, at that number — which may be governed by the Telephone Consumer Protection Act (TCPA) and similar rules. Message and data rates may apply. You can opt out of marketing emails via the unsubscribe link, and of texts by replying STOP. [Confirm exact consent language with your attorney and your form provider.]

12. Children's privacy

The Site is intended for adults and is not directed to children under 18. We do not knowingly collect information from children. If you believe a child has provided information, contact us and we will delete it.

13. Changes to this policy

We may update this Privacy Policy from time to time. Changes take effect when posted, and the “last updated” date above will change. Your continued use of the Site means you accept the updated policy.

14. Contact us

Questions or requests? Email [email protected] or write to [Company name and mailing address].