Privacy Policy

1. Information We Collect

The information we collect depends on how you interact with us and which Services you use.

A. Contact and Identity Information

We may collect:

• Full name
• Business or legal entity name
• Job title or professional role
• Mailing and business addresses
• Email addresses
• Telephone and mobile phone numbers
• Account username and identifiers
• Signature
• Preferred method of communication
• Identity-verification information

B. Commercial Loan and Financial Information

When you request commercial financing, submit a transaction, or participate in a financing application, we may collect:

• Requested loan amount and loan purpose
• Property addresses and property information
• Purchase price, estimated value, and financing terms
• Business ownership and organizational information
• Articles of incorporation, operating agreements, and entity records
• Personal and business financial statements
• Tax returns, K-1s, schedules, and related tax documents
• Bank statements and proof-of-funds documentation
• Income, revenue, expense, asset, liability, and debt information
• Credit history and credit-related information
• Rent rolls, leases, and tenant information
• Profit-and-loss statements and balance sheets
• Property operating statements
• Appraisals, title documents, environmental reports, and insurance records
• Information concerning borrowers, owners, sponsors, guarantors, partners, and affiliated entities
• Information necessary to evaluate, underwrite, process, close, or service a commercial financing transaction

Some financial or credit information may be obtained directly from you or, with appropriate authorization, from lenders, credit-reporting agencies, public records, brokers, service providers, or other transaction participants.

C. Documents and Files

We may collect documents that you or an authorized user upload, email, transmit, or otherwise provide through the Services.

These documents may contain personal, financial, tax, property, employment, business, or other sensitive information. You are responsible for ensuring that you are authorized to provide information concerning other individuals.

D. Communications and CRM Information

We may collect and maintain information concerning your communications and interactions with Bellevue Capital Group, including:

• Emails
• Text and multimedia messages
• Telephone call details
• Voicemails
• Appointment and meeting information
• Correspondence
• Document requests
• Customer-service inquiries
• Internal notes
• Call dates, times, duration, telephone numbers used, and outcomes
• Communication preferences
• SMS opt-in, consent, and opt-out records

E. Call Recordings and Transcriptions

Where permitted by law and after providing any legally required notice or obtaining any legally required consent, we may record or transcribe telephone calls or virtual meetings.

Recordings and transcriptions may be used to:

• Document client instructions
• Prepare call or meeting summaries
• Create and update CRM notes
• Identify follow-up items
• Assist with quality assurance and training
• Maintain transaction records
• Resolve disputes
• Support compliance and security efforts

If applicable law requires the consent of all participants, we will request that consent before recording.

F. Account and User Information

If you create or receive an account for our platform, we may collect:

• Username
• Password or authentication credentials
• User role and permission level
• Employer or affiliated organization
• Login history
• Security and verification information
• Account settings and preferences
• Actions performed within the platform
• Audit-log information

Passwords are intended to be stored using security protections such as cryptographic hashing and are not intended to be stored in readable form.

G. Device and Technical Information

When you access the Services, we may automatically collect:

• Internet Protocol address
• Browser type and version
• Device type
• Operating system
• Device identifiers
• Language and time-zone settings
• Login and access activity
• Pages and features accessed
• Dates and times of access
• Referring website
• Error reports
• Performance information
• Security and diagnostic information
• Approximate location derived from an IP address

H. Cookies and Similar Technologies

We may use cookies, local storage, session technologies, pixels, and similar tools to:

• Authenticate users
• Keep users signed in
• Remember settings and preferences
• Maintain platform security
• Prevent fraud and unauthorized access
• Understand how the Services are used
• Diagnose errors
• Measure performance
• Improve functionality and user experience

You may control certain cookies through your browser settings. Disabling essential cookies may prevent portions of the Services from working properly.

2. How We Use Information

We may use information to:

• Provide, maintain, and operate the Services
• Create and administer accounts
• Authenticate users and manage permissions
• Respond to inquiries and financing requests
• Evaluate, package, process, underwrite, arrange, or facilitate commercial financing
• Communicate with borrowers, clients, brokers, lenders, and authorized representatives
• Request, receive, organize, and review documents
• Match financing requests with potentially appropriate lenders or capital sources
• Coordinate underwriting, due diligence, closing, and servicing activities
• Schedule meetings, appointments, and follow-ups
• Send authorized transaction updates and document reminders
• Maintain records of communications and transactions
• Prepare summaries, notes, reports, and task lists
• Provide customer service and technical support
• Personalize and improve our platform
• Conduct internal analytics and business reporting
• Monitor employee and platform performance
• Protect the security and integrity of the Services
• Detect, investigate, and prevent fraud, misuse, and unauthorized activity
• Comply with legal, regulatory, contractual, licensing, and recordkeeping obligations
• Respond to subpoenas, court orders, and lawful governmental requests
• Establish, exercise, or defend legal claims
• Enforce our agreements, policies, and rights
• Complete a merger, acquisition, financing, sale, or other business transaction

We will not use mobile messaging consent as permission to send communications unrelated to the purpose for which the consent was provided.

3. Artificial Intelligence and Automated Processing

We may use artificial intelligence, machine-learning systems, optical character recognition, or other automated technologies to assist with:

• Extracting information from documents
• Classifying and organizing files
• Preparing financial spreads
• Summarizing calls, meetings, or documents
• Drafting internal notes and follow-up communications
• Identifying missing documents or inconsistent information
• Supporting underwriting and transaction review
• Improving workflows and platform functionality

Automated tools are intended to assist authorized personnel and are not necessarily the sole basis for a lending or financing decision.

Information may be processed by technology providers acting on our behalf under contractual restrictions. These providers are not authorized to use client information, mobile numbers, or messaging consent for their own marketing or promotional purposes.

Users should independently review automatically generated information before relying on it for a material business or financing decision.

4. SMS and Text-Messaging Privacy

Bellevue Capital Group may use Twilio or similar communications providers to send text messages concerning:

• Financing inquiries
• Account activity
• Appointments and scheduled calls
• Loan-application updates
• Document requests and reminders
• Underwriting or transaction updates
• Client-service communications
• Other communications specifically authorized by the recipient

SMS Consent

By separately opting in to receive text messages, you authorize Bellevue Capital Group to send messages to the mobile number you provide for the purposes disclosed when consent is requested.

• Consent to receive text messages is not a condition of purchasing any product or service.
• Message frequency varies depending on your inquiry, account, or transaction activity.
• Message and data rates may apply.
• Reply STOP to unsubscribe.
• Reply HELP for assistance.
• We may send one final message confirming an opt-out request.
• Wireless carriers are not responsible for delayed or undelivered messages.
• Consent applies only to Bellevue Capital Group and the specific messaging purpose disclosed during opt-in.

Mobile Information Will Not Be Shared for Marketing

Bellevue Capital Group does not sell, rent, share, transfer, disclose, or provide mobile phone numbers, SMS opt-in information, or text-messaging consent data to third parties, affiliates, lead generators, data brokers, or other organizations for their marketing or promotional purposes.

Mobile information and messaging consent are used only to provide communications and Services requested or authorized by the individual. SMS consent is specific to Bellevue Capital Group and is not transferable to another business or organization.

The foregoing restriction applies regardless of any other provision in this Privacy Policy concerning the disclosure of other categories of information.

We may provide limited mobile information to Twilio, wireless carriers, telecommunications providers, and communications technology vendors solely as necessary to:

• Deliver requested messages
• Route communications
• Maintain our messaging system
• Record and honor consent or opt-out preferences
• Provide technical support
• Detect fraud or misuse
• Maintain security
• Comply with applicable law

These providers act on our behalf and are not authorized to use mobile phone numbers or messaging consent for their own marketing or promotional purposes.

5. Email Communications

We may send emails concerning inquiries, accounts, financing requests, transactions, document requirements, platform activity, and other business matters.

Promotional emails, if any, will include a method for unsubscribing. Even after unsubscribing from promotional emails, you may continue to receive nonpromotional communications relating to an active inquiry, account, transaction, legal obligation, or service request.

6. How We Disclose Information

We do not sell personal information.

We may disclose information in the following limited circumstances.

A. Service Providers

We may disclose information to vendors performing services on our behalf, including:

• Cloud-hosting and data-storage providers
• CRM, software, and platform providers
• Email and telecommunications providers, including Twilio
• Document-management providers
• Electronic-signature providers
• Data-extraction and optical-character-recognition providers
• Artificial-intelligence technology providers
• Cybersecurity and fraud-prevention providers
• Analytics and diagnostic providers
• Accounting, auditing, legal, and other professional advisers

Service providers are permitted to access information only as reasonably necessary to perform authorized services and are expected to maintain appropriate privacy and security protections.

Mobile phone numbers and SMS consent are not provided to these parties for their own marketing or promotional purposes.

B. Lenders and Transaction Participants

When you request financing or authorize us to pursue a transaction, we may disclose relevant information to parties involved in evaluating, arranging, processing, closing, or servicing that transaction, including:

• Banks
• Credit unions
• Private lenders
• Institutional lenders
• Government-backed lending programs
• Mortgage bankers
• Capital providers
• Prospective loan purchasers or participants
• Loan servicers
• Appraisers
• Title and escrow companies
• Insurance providers
• Environmental consultants
• Attorneys
• Accountants
• Underwriters
• Due-diligence providers
• Other authorized transaction participants

The information provided will generally be limited to what is reasonably necessary for the proposed or existing transaction.

This section does not authorize any recipient to use mobile phone numbers or SMS consent for unrelated marketing or promotional purposes.

C. Authorized Users and Organizations

If your account is associated with an employer, brokerage, lender, or other organization, authorized administrators or users within that organization may be able to access information associated with your account or transactions, depending on their assigned permissions.

D. Legal, Regulatory, and Safety Purposes

We may disclose information when we reasonably believe disclosure is necessary to:

• Comply with applicable law or regulation
• Respond to a subpoena, court order, warrant, or governmental request
• Meet licensing, examination, audit, or reporting obligations
• Protect the rights, safety, or property of Bellevue Capital Group, our users, clients, or others
• Detect, investigate, or prevent fraud, abuse, security incidents, or illegal activity
• Enforce our contracts and policies
• Establish, exercise, or defend legal claims

E. Business Transactions

Information may be disclosed or transferred as part of an actual or proposed merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or similar business transaction.

Any recipient will be expected to process transferred information consistently with applicable law and the privacy commitments that apply to the information.

Mobile numbers and messaging consent transferred as part of a business transaction may not be used for unrelated marketing or promotional purposes without obtaining any new consent required by law.

F. At Your Direction

We may disclose information when you direct or authorize us to do so.

7. Information We Do Not Sell or Share for Behavioral Advertising

Bellevue Capital Group does not sell personal information for monetary consideration.

We do not share mobile phone numbers or messaging consent for marketing, promotional purposes, or cross-context behavioral advertising.

If our practices change in a manner that creates a legally recognized right to opt out, we will update this Privacy Policy and provide the required method for exercising that right before the new practice begins.

8. Data Security

We use reasonable administrative, technical, organizational, and physical safeguards designed to protect information against:

• Unauthorized access
• Accidental loss
• Misuse
• Alteration
• Improper disclosure
• Destruction
• Fraudulent activity

Depending on the system and type of information, safeguards may include:

• Role-based access controls
• Authentication requirements
• Encryption in transit and, where appropriate, at rest
• Password hashing
• Activity logging and audit trails
• Network and system monitoring
• Security updates
• Backups
• Vendor reviews
• Confidentiality requirements
• Incident-response procedures

No electronic transmission, network, database, or storage system is completely secure. Therefore, we cannot guarantee absolute security.

You are responsible for maintaining the confidentiality of your account credentials and promptly notifying us if you suspect unauthorized access.

9. Data Retention

We retain information only for as long as reasonably necessary to:

• Provide the Services
• Process or service transactions
• Maintain business and client records
• Fulfill the purposes described in this Privacy Policy
• Satisfy legal, licensing, regulatory, tax, accounting, and contractual requirements
• Resolve disputes
• Prevent fraud or misuse
• Enforce our agreements and rights

Retention periods vary based on the nature of the information, the transaction, applicable legal requirements, and operational needs.

SMS consent and opt-out records may be retained as necessary to document consent, demonstrate compliance, and ensure that opt-out preferences continue to be honored.

When information is no longer reasonably required, we may delete, anonymize, or securely dispose of it, subject to applicable law and technical limitations involving backups and archival systems.

10. Your Privacy Rights and Choices

Depending on your state or country of residence and applicable law, you may have the right to:

• Confirm whether we process your personal information
• Request access to personal information maintained about you
• Request correction of inaccurate information
• Request deletion of certain information
• Request a portable copy of certain information
• Object to or restrict certain processing
• Withdraw previously provided consent
• Opt out of certain communications
• Opt out of the sale or legally defined sharing of personal information
• Request information about categories of information collected and disclosed
• Appeal a decision concerning a privacy request
• Exercise your rights without unlawful discrimination

These rights are not absolute. We may retain or decline to delete information when permitted or required for legal compliance, fraud prevention, security, recordkeeping, transaction administration, dispute resolution, or other lawful purposes.

How to Submit a Request

You may submit a privacy request by:

• Emailing [email protected]
• Calling (844) 739-9226
• Writing to the mailing address listed below

Please use the subject line "Privacy Request" when contacting us by email.

We may need to verify your identity before completing a request. Verification may require confirming information associated with your account, inquiry, or transaction.

You may use an authorized agent where permitted by law. We may request proof that the agent is authorized to act on your behalf and may also require you to verify your identity directly.

SMS Opt-Out

Reply STOP to any Bellevue Capital Group text message to unsubscribe.

Email Opt-Out

Use the unsubscribe link included in a promotional email or contact us at [email protected].

11. California Privacy Information

California residents may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, subject to applicable definitions and exemptions.

Depending on applicability, these rights may include the right to know, access, correct, or delete certain personal information and the right to opt out of the sale or sharing of personal information.

Bellevue Capital Group does not sell personal information and does not share mobile phone numbers or messaging consent for cross-context behavioral advertising, marketing, or promotional purposes.

We will not unlawfully discriminate against an individual for exercising an applicable privacy right.

Certain information processed in connection with financial products or services may be subject to exemptions or separate requirements under federal or state financial privacy laws.

12. Financial Privacy Notices

Certain financial information may be governed by additional federal or state financial privacy requirements.

If a separate financial privacy notice is required for a particular relationship, product, or transaction, that notice supplements this Privacy Policy. If there is a conflict regarding information governed by that separate notice, the terms required by applicable financial privacy law will control.

13. Information About Other Individuals

If you provide information about another person—such as a borrower, owner, partner, sponsor, guarantor, employee, tenant, or authorized representative—you represent that:

• You are authorized to provide the information;
• The information is accurate to the best of your knowledge;
• You have provided any legally required notice; and
• You have obtained any legally required authorization or consent.

You may not enroll another person in a promotional text-messaging program without that person's direct, informed, and legally valid consent.

14. Children's Privacy

The Services are intended for businesses and adults and are not directed to children under 13.

We do not knowingly collect personal information directly from children under 13. If we learn that we have collected such information without appropriate authorization, we will take reasonable steps to delete it.

15. Third-Party Websites and Services

The Services may contain links to websites, platforms, lender portals, or services operated by third parties.

We do not control and are not responsible for the privacy, security, availability, or content practices of third-party services. A link does not necessarily constitute our endorsement of the third party.

You should review the privacy policy and terms of each third-party service before providing information to it.

16. International Access and Data Processing

Bellevue Capital Group is based in the United States. If you access the Services from outside the United States, your information may be transferred to, stored in, and processed in the United States or other countries where our authorized providers operate.

The privacy and data-protection laws in those jurisdictions may differ from the laws in your location.

17. Do Not Track Signals

Some browsers offer a "Do Not Track" setting. Because there is not currently a universally accepted standard for responding to conventional Do Not Track signals, our Services may not respond to those signals.

Where required by applicable law, we will process recognized browser-based opt-out preference signals according to the relevant legal requirements.

18. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in:

• Our Services
• Technology
• Business practices
• Vendors
• Legal or regulatory requirements
• Privacy and security practices

When we update this Privacy Policy, we will revise the "Last Updated" date at the top.

If a change materially affects how we use previously collected information, we will provide any additional notice or obtain any consent required by applicable law.