Privacy Policy

1. Introduction & Overview

Bear Loan Company ("Company", "we", "our", or "us") operates the website https://bearloancompany.com (the "Site"). We respect consumer privacy and are committed to protecting personal information collected through our online services.

This Privacy Policy explains how we collect, use, share, and protect consumer personal information when you visit our website, read educational resources, or submit an inquiry to be connected with third-party participating lenders.

2. Information We Collect

We may collect information in several ways:

• Directly Provided Information: When you complete an inquiry or contact form, you may provide your name, email address, phone number, physical address, state of residence, desired loan amount, and general employment information.
• Device & Browsing Data: We automatically collect IP addresses, browser types, device identifiers, operating systems, and page navigation history through server logs and analytics cookies.
• Referral Data: Information concerning the external website from which you arrived at our platform.

3. How We Use Personal Information

The information we collect is utilized for specific business and commercial purposes:

• To transmit your loan inquiry to independent lending partners within our referral network.
• To respond to customer service inquiries submitted through our contact form.
• To maintain website performance, prevent fraudulent submissions, and monitor network security.
• To fulfill legal and regulatory compliance obligations under federal and state statutes.

4. Sharing & Disclosure of Personal Data

Bear Loan Company is not a direct lender. When you submit an inquiry to connect with a loan provider, you authorize us to transmit your information to participating third-party lenders and financial service providers so they may evaluate your inquiry and determine if they can extend an offer.

Participating lenders maintain their own independent privacy practices and disclosure rules. Once you navigate to a third-party lender's website, your interactions are governed by their respective privacy policy.

5. Cookies & Analytics Technologies

We use essential cookies necessary to deliver core security and functionality. We also use analytics cookies (e.g., aggregated traffic metrics) to measure user engagement. You can modify your preferences at any time via our Privacy Choices page.

6. State Consumer Privacy Rights (CCPA / CPRA & State Laws)

Residents of California, Virginia, Colorado, Connecticut, Utah, and other applicable states possess specific consumer rights regarding their personal data under statutory state privacy laws, including:

• Right to Know: The right to request disclosure of categories and specific pieces of personal information collected.
• Right to Delete: The right to request deletion of personal information, subject to legal and recordkeeping exceptions.
• Right to Opt-Out: The right to opt out of the sale or sharing of personal information for cross-context behavioral advertising. Visit our Do Not Sell or Share My Information section to exercise this right.

7. Data Security Safeguards

We implement industry-standard physical, electronic, and administrative safeguards, including Transport Layer Security (TLS 256-bit encryption), to protect consumer information from unauthorized access, alteration, or disclosure.

8. Children's Privacy

Our website and referral services are strictly intended for legal adults aged 18 years and older. We do not knowingly solicit or collect personal information from individuals under the age of 18.

9. Contacting Our Privacy Officer

If you have questions regarding this Privacy Policy or wish to exercise your statutory consumer rights, please contact our privacy compliance team: