Privacy Policy

Last Updated: October 29, 2025

Introduction

BCBLPRO | BCBL SOLUTIONS LLC (“we,” “our,” or “the Company”) is a MCA and alternative business financing provider. We are committed to protecting your privacy and safeguarding your personal and business information.

This Privacy Policy explains how we collect, use, disclose, and protect information when you interact with our services, website https://bcblsolutions.com, application portals, and SMS messaging programs.

2. Information We Collect

2.1 Information You Provide:
When you apply for or inquire about financing, we may collect:

Business Information

  • Business name, DBA, address, phone number
  • Industry type and time in business
  • Employer Identification Number (EIN)

Owner / Authorized Representative Information

  • Full name
  • Email address and phone number
  • Date of birth
  • Government-issued ID (when required for underwriting or fraud prevention)
  • Social Security Number (SSN) (when legally required)

Financial Information

  • Business bank account details
  • Bank statements
  • Monthly revenue
  • Existing advances, loans, or merchant processing data

Account Information

  • Login credentials
  • Communication preferences

2.2 Information Collected Automatically
When you use our website or portals, we may automatically collect:

  • IP address
  • Browser type and version
  • Pages visited and time spent
  • Device type and operating system
  • Cookies and similar tracking technologies

2.3 SMS Program Information
If you opt into our Business Funding Alerts or similar SMS programs, we collect:

  • Mobile phone number (E.164 format)
  • Consent records (date, time, IP address, browser/user agent)
  • Message history (delivery status, timestamps, replies such as STOP or HELP)
  • Mobile carrier information
  • Language and communication preferences

Legal basis: Express written consent in compliance with TCPA and A2P 10DLC requirements.

3. How We Use Your Information

We use the information collected to:

  • Evaluate and process Merchant Cash Advance and business financing applications
  • Verify identity and prevent fraud
  • Communicate regarding applications, funding status, renewals, and account activity
  • Send SMS notifications, reminders, and promotional offers (approximately 4/month)
  • Comply with legal and regulatory obligations
  • Improve our underwriting models, services, and user experience
  • Conduct marketing activities with your prior consent

4. SMS Messaging Program

4.1 Consent
By providing your phone number and opting in:

  • You agree to receive automated SMS messages from BCBLPRO | BCBL SOLUTIONS LLC
  • Message frequency varies
  • Consent is not a condition of obtaining financing
  • We maintain verifiable consent records including timestamp, IP address, and user agent

4.2 Opt-Out Instructions
You may opt out at any time by:

  • Replying STOP, CANCEL, END, QUIT, or UNSUBSCRIBE to any message
  • Managing communication preferences through your account portal
  • Contacting us at info@bcblsolutions.com or (954) 353-9658

Opt-out requests are processed immediately. You will receive a confirmation message and no further promotional SMS messages.

4.3 SMS Data Retention

  • Opt-in records: retained for 4 years (TCPA compliance)
  • Opt-out records: retained permanently (suppression list)
  • Message logs: retained for 12 months for auditing and compliance

4.4 SMS Security

Phone numbers are encrypted at rest. We use compliant messaging providers (e.g., Twilio) that meet SOC 2 Type II and industry security standards.

5. Information Sharing and Disclosure

We do not sell personal or business information.

We may share information with:

5.1 Service Providers

  • Underwriting and risk assessment partners
  • Payment processors and ACH providers
  • SMS and communications platforms
  • Cloud hosting, analytics, and CRM providers

All vendors are contractually obligated to maintain confidentiality and data security.

5.2 Legal and Regulatory Disclosures
We may disclose information when required by law, subpoena, court order, regulatory authority, or to protect our legal rights and interests.

6. Your Privacy Rights

Depending on your jurisdiction, you may have the right to:

  • Access your personal or business information
  • Correct inaccurate or incomplete data
  • Request deletion of data (subject to legal retention requirements)
  • Opt out of marketing communications
  • Withdraw SMS consent at any time

Requests may be submitted to info@bcblsolutions.com

7. Cookies and Tracking

We use cookies for:

  • Essential site functionality
  • Performance and analytics
  • Marketing and retargeting (with consent where required)

You may control cookies through your browser settings.

8. Data Security

We employ administrative, technical, and physical safeguards, including:

  • SSL/TLS encryption
  • Encrypted storage of sensitive data
  • Role-based access controls
  • Ongoing security monitoring and audits
  • Employee confidentiality and data protection training

9. Data Retention

  • Application and account data: retained while the relationship is active
  • Financial and transaction records: retained as required by law
  • SMS consent records: 4 years
  • Opt-out records: permanently

10. Children’s Privacy

Our services are intended for business owners and authorized representatives 18 years or older. We do not knowingly collect information from minors.

11. International Data Transfers

We operate primarily in the United States. If you access our services from outside the U.S., your information may be processed in jurisdictions with different data protection laws.

12. Policy Updates

We may update this Privacy Policy from time to time. Material changes will be communicated via:

  • Website notice
  • Email
  • SMS notification (if applicable)

The “Last Updated” date reflects the current version.

13. Contact Information

BCBLPRO | BCBL SOLUTIONS LLC
Email: info@bcblsolutions.com
Phone: (954) 353-9658
Business Hours: Monday–Friday, 9:00 AM – 6:00 PM EST

14. Regulatory Compliance

This Privacy Policy is designed to comply with applicable laws and standards, including:

  • TCPA (Telephone Consumer Protection Act)
  • GLBA (Gramm-Leach-Bliley Act)
  • FCRA (where applicable)
  • CCPA (California Consumer Privacy Act)
  • CAN-SPAM Act
  • A2P 10DLC Messaging Guidelines

By using our services, you acknowledge and agree to this Privacy Policy.