Privacy Policy

Last updated: June 5, 2026

BrightPath Finance (“BrightPath,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website brightpath-fin.com and use our services.

1. Information We Collect

Personal Information You Provide

When you use our services, including completing a loan application, we may collect:

• Full name, date of birth, and Social Security Number
• Home address, email address, and phone number
• Employment information and income details
• Financial information including debt balances, loan amounts requested, and estimated credit score
• Banking information for loan funding and payments

Information Collected Automatically

When you access our website, we may automatically collect:

• IP address, browser type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Device identifiers and cookie data
• Location data (city/state level)

Information from Third Parties

We may receive information from:

• Consumer reporting agencies (credit reports obtained with your consent)
• Identity verification services
• Marketing partners and advertising networks

2. How We Use Your Information

We use the information we collect to:

• Process and evaluate your loan application
• Perform soft credit inquiries to provide rate estimates
• Verify your identity and prevent fraud
• Communicate with you about your application, account, or our services
• Match you with lending partners who may offer you a loan
• Comply with legal and regulatory obligations
• Improve our website, products, and services
• Send marketing communications (with your consent)

3. Credit Inquiries

When you check your rate through BrightPath Finance, we perform a soft credit inquiry that does not affect your credit score. If you accept a loan offer from one of our lending partners, a hard credit inquiry will be performed, which may impact your credit score. You authorize these inquiries by consenting on our application form.

4. How We Share Your Information

We may share your information with:

• Lending Partners: To evaluate and fund your loan application
• Service Providers: Companies that help us operate our business (e.g., credit bureaus, identity verification, payment processing, CRM systems, SMS/email providers)
• Legal Compliance: When required by law, regulation, legal process, or governmental request
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you have given us permission to share your information

We do not sell your personal information to third parties for their own marketing purposes.

5. Cookies and Tracking Technologies

We use cookies, pixels, and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Deliver and measure the effectiveness of advertising campaigns
• Provide a personalized experience

You can control cookies through your browser settings. Disabling cookies may affect the functionality of our website.

6. Data Security

We implement industry-standard security measures to protect your personal information, including encryption (TLS/SSL), access controls, and secure data storage. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. When data is no longer needed, we securely delete or anonymize it.

8. Your Rights and Choices

Depending on your state of residence, 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 marketing communications
• Opt out of the sale or sharing of personal information

To exercise any of these rights, contact us at team@brightpath-fin.com or call 877-867-2002.

9. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to delete, and the right to opt out of the sale or sharing of your personal information. To submit a request, contact us using the information below.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will promptly delete it.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review their privacy policies before providing any personal information.

12. 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. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at: