Privacy Policy

BWIRED LLC ("BWIRED," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website at thebwired.com, submit a funding application, or otherwise interact with our services.

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

1. Information We Collect

Information You Provide Directly

We collect information you voluntarily provide when you fill out forms, apply for funding, or communicate with us. This may include:

• Full name, email address, and mobile phone number
• Business name, address, and legal entity type
• Financial information including revenue estimates and funding needs
• Bank account information (when required to process funding)
• Social Security Number or Employer Identification Number (EIN) for underwriting
• Communications and correspondence with our team

Information Collected Automatically

When you visit our website, we may automatically collect certain information, including:

• IP address and browser type
• Pages visited, time spent, and referring URLs
• Device type and operating system
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect to:

• Process and evaluate your funding application
• Contact you regarding your inquiry or application status
• Provide customer service and support
• Send marketing and promotional communications (with your consent)
• Improve our website, products, and services
• Comply with legal and regulatory obligations
• Detect and prevent fraud or unauthorized activity

3. SMS / Text Message Communications

• Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
• Message and Data Rates: Message and data rates may apply depending on your mobile carrier plan.
• Opt-Out: Reply STOP at any time to unsubscribe from SMS messages. You will receive one final confirmation message.
• Help: Reply HELP for assistance or contact us at margaret@thebwired.com.
• Consent is NOT a condition of purchase. You are not required to consent to SMS messages to apply for or receive funding from BWIRED LLC.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

4. How We Share Your Information

We do not sell your personal information. We may share your information in limited circumstances:

• Service Providers: Trusted third-party vendors who assist us in operating our business (e.g., technology platforms, payment processors, credit bureaus) under strict confidentiality obligations.
• Legal Compliance: When required by law, subpoena, court order, or to protect the rights, property, or safety of BWIRED LLC, our clients, or others.
• Business Transfers: In connection with a merger, acquisition, or sale of all or substantially all of our assets, subject to appropriate confidentiality protections.

We do not share your personal information with third parties or affiliates for their own independent marketing or promotional purposes.

5. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce agreements. Financial application data may be retained for up to seven (7) years as required by applicable law.

6. Your Rights and Choices

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

• Access or request a copy of your personal information
• Request correction of inaccurate personal information
• Request deletion of your personal information (subject to legal exceptions)
• Opt out of marketing communications at any time
• Withdraw SMS consent by replying STOP to any message

To exercise these rights, contact us at margaret@thebwired.com.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance functionality and understand usage patterns. You may configure your browser to reject cookies, though this may limit certain features of our website. We do not respond to "Do Not Track" signals at this time.

8. Security

We implement commercially reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

9. Children's Privacy

Our website and services are intended for business owners and are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and share, the right to delete your personal information, and the right to opt out of the sale of personal information. BWIRED LLC does not sell personal information. To submit a privacy request, contact us at margaret@thebwired.com.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of our services after any changes constitutes your acceptance of the updated policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

• BWIRED LLC
• 1942 Bdwy St, Boulder, CO 80302
• Email: margaret@thebwired.com