Privacy Policy

Effective Date: [Insert Date]
Company: MRGD Partners LLC dba BestLoanUSA

I. Introduction

BestLoanUSA (“Company,” “we,” “our,” or “us”) operates an online platform that connects users with third-party lenders and financial service providers. We respect your privacy and are committed to protecting it in compliance with this Privacy Policy (the “Policy”), supplemented by additional notices where required under state or federal law (e.g., California Privacy Rights).

This Policy explains what types of information we collect, how we collect it, how we use it, and under what circumstances we may share it.

This Policy applies to information we collect:

Through our Website (bestloanusa.com).
Through emails, text messages, and other electronic communications between you and BestLoanUSA.
When you interact with our advertising or applications on third-party websites that link back to this Policy.
When you voluntarily provide information to us by submitting loan inquiry forms or contacting us.

This Policy does not apply to information collected by third-party lenders or financial service providers directly. If you submit an inquiry and are redirected to a lender’s platform, your data will then be governed by that lender’s privacy policy.

II. Information We Collect

We may collect the following categories of information (“User Information”):

Personal Information (voluntarily submitted by you): Name, email address, phone number, business name, loan request details.
Business/Financial Information: Annual revenue, time in business, approximate credit score, requested loan amount.
Technical Information (collected automatically): IP address, browser type, operating system, device identifiers, site usage data (cookies, logs).
User Contributions: Any reviews, feedback, or information you post publicly on our Website.

We do not knowingly collect information from minors under the age of 18.

III. How We Collect Information

We collect User Information:

Directly from you, when you fill out forms or contact us.
Automatically, when you browse our Website (cookies, analytics).
From third parties, such as lenders or service providers, if they provide us with limited status updates about referred leads.

IV. How We Use Your Information

We may use the information we collect for purposes such as:

To forward your loan inquiry to appropriate lenders.
To communicate with you about your inquiry or related services.
To improve and optimize our Website.
To comply with applicable laws, including recordkeeping.
To prevent fraud, abuse, or misuse of our Services.

We may also use your contact information to provide promotional offers related to financing products. You may opt out of such communications at any time (see Section VII below).

V. Sharing of Information

We may disclose User Information:

To Lenders and Financial Partners: to process your inquiry and provide relevant loan options.
To Service Providers: including IT, hosting, analytics, or marketing vendors.
For Legal Compliance: to respond to lawful requests or protect against fraud.
In Business Transactions: such as mergers or acquisitions, where data may be transferred as an asset.

We do not sell personal information to unaffiliated third parties.

VI. Cookies and Tracking

We and our third-party service providers may use cookies, web beacons, and similar tracking technologies to:

Understand Website traffic and usage patterns.
Improve performance and functionality.
Provide targeted advertising.

You can disable cookies in your browser, though certain Website features may not function properly.

VII. Your Choices and Rights

You may:

Opt out of receiving promotional communications by email request or unsubscribe link.
Request access, correction, or deletion of personal data we maintain.
Limit certain uses of your information under state privacy laws (e.g., CCPA for California residents).

VIII. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect User Information. However, no electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

IX. Data Retention

We retain User Information only as long as necessary to fulfill the purposes outlined in this Policy or as required by law. Typically, referral and disclosure records are retained for up to four (4) years.

X. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the right to:

Request disclosure of what personal information we collected, used, and shared in the last 12 months.
Request deletion of your personal information (subject to exceptions).
Opt out of the sharing of your personal information for marketing.
Not be discriminated against for exercising your privacy rights.

To make such requests, email us at info@bestloanusa.com with the subject line 'California Privacy Request.' We may require verification of your identity before processing.

XI. Changes to this Policy

We may update this Policy periodically. Updates will be posted on this page with a revised effective date. Continued use of our Website after changes are posted constitutes acceptance.

XII. Contact Information

For questions or concerns about this Policy, please contact us at:

MRGD Partners LLC dba BestLoanUSA
[Illinois Business Address]
Email: info@bestloanusa.com
Phone: [Insert Phone Number]