Privacy policy
Effective date: July 7, 2026
This Privacy Policy explains how Bear Loans Finance ("we," "us," "the Service"), operator of bearloansfinance.com, collects, uses, and shares information when you visit this website or submit a loan request. We are a loan connecting service, not a lender; understanding that role is the key to understanding this policy, because the core purpose of the data you give us is to route your request to lenders and lending partners.
Information we collect
Information you provide. When you submit the request form, you provide identity and contact details (name, address, phone, email, date of birth), financial details (income source and amount, employer or benefits information, bank routing and account numbers), and, where required for lender verification, your Social Security number and driver's license or state ID number.
Information collected automatically. Like most websites, we and our service providers collect device and usage data: IP address, browser type, pages viewed, referring URLs, and cookie identifiers used for site functionality and analytics.
How we use information
- To transmit your loan request to lenders and lending partners in our network that are permitted to operate in your state, so they can evaluate it and present offers;
- To verify identity and prevent fraud;
- To communicate with you about your request and, with your consent, about related offers and services;
- To operate, secure, and improve the website;
- To comply with legal obligations and enforce our Terms of Service.
How we share information
We share the information in your request with lenders and lending partners for the purpose of evaluating and responding to it; if you proceed with a lender, that lender's own privacy policy governs its use of your information. We also share information with service providers who operate parts of the platform (such as form processing, hosting, and analytics) under contractual confidentiality obligations; with marketing partners only where you have provided the consent described near the request form; and where required by law, subpoena, or to protect rights and safety. We do not sell your Social Security number.
Your choices
Marketing opt-out. You may opt out of marketing calls, texts, and emails at any time — reply STOP to any text, use the unsubscribe link in any email, or email us at support@bearloansfinance.com. Opting out of marketing does not affect communications necessary to process an active request.
Access, correction, deletion. Depending on your state of residence, you may have rights to access, correct, or delete personal information we hold, and to opt out of certain sharing. To exercise any of these rights, email support@bearloansfinance.com with the subject line "Privacy Request." We will verify your identity before acting and respond within the timeframe your state's law requires. We honor these requests for all users where feasible, regardless of state.
Cookies
We use strictly necessary cookies for site operation and analytics cookies to understand aggregate usage. You can control cookies through your browser settings; disabling them may affect form functionality.
Data security and retention
Form data is transmitted over encrypted (HTTPS/TLS) connections, and we retain personal information only as long as needed for the purposes above and for legal compliance, after which it is deleted or de-identified. No system is perfectly secure; we cannot guarantee absolute security and encourage you to monitor your accounts.
Children
This Service is intended for adults 18 and older. We do not knowingly collect information from anyone under 18, and we delete any such information we discover.
Changes and contact
We may update this policy and will revise the effective date above when we do. Questions and requests: support@bearloansfinance.com. Bear Loans Finance is an online-only service.