Privacy Policy

Introduction

BK Noble LLC DBA Blair Noble ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services related to private money lending and real estate financing.

By accessing or using our services, you agree to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the site or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you express interest in obtaining information about us or our products and services, when you participate in activities on the website, or otherwise when you contact us. This includes:

• Name, email address, and phone number
• Mailing address and property addresses
• Financial information necessary for loan evaluation (income, assets, credit history)
• Social Security Number (for credit verification purposes only)
• Employment and business information
• Real estate investment experience and property details
• Any other information you choose to provide

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device.

How We Use Your Information

We use the information we collect or receive:

• To evaluate and process your loan application or inquiry
• To verify your identity and conduct credit checks with your authorization
• To communicate with you about loan products, services, and opportunities
• To respond to your inquiries and provide customer support
• To comply with legal and regulatory requirements in the lending industry
• To prevent fraudulent transactions and protect against illegal activities
• To send you marketing and promotional communications (with your consent)

Credit Reporting and Financial Information

In connection with your loan application, we may obtain credit reports and verify financial information from third-party sources. By submitting a loan application:

• You authorize us to obtain your credit report from one or more consumer reporting agencies
• You understand that this may result in a hard inquiry on your credit report
• You authorize us to verify employment, income, and asset information
• You consent to our sharing of your information with lending partners and investors as necessary to process your loan

Disclosure of Your Information

We may share your information in the following situations:

• With Lending Partners: To evaluate and fund your loan request
• With Service Providers: Third parties that assist us in operating our business (appraisers, title companies, credit bureaus)
• For Legal Compliance: When required by law, regulation, or legal process
• Business Transfers: In connection with any merger, sale of company assets, or acquisition
• With Your Consent: For any other purpose disclosed to you and with your consent

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

Gramm-Leach-Bliley Act (GLBA) Compliance

As a financial services provider, we comply with the Gramm-Leach-Bliley Act. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information. We limit access to your information to employees and service providers who need it to perform their job functions.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information. However, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access personal information we hold about you
• The right to request correction of inaccurate information
• The right to request deletion of your personal information
• The right to opt out of marketing communications
• The right to withdraw consent for SMS communications

To exercise these rights, please contact us using the information provided below.

California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA). You have the right to request disclosure of what personal information we collect, use, and disclose. You also have the right to request deletion of your personal information, subject to certain exceptions. We will not discriminate against you for exercising your privacy rights.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. Loan-related records may be retained for a minimum of seven (7) years as required by lending regulations.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have questions or comments about this Privacy Policy or wish to exercise your privacy rights, please contact us at: