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Privacy Policy

Date: August 27, 2024

State-Specific Consumer Privacy Rights

At Sun Star Business LLC, doing business as USABrightline.com, a Wyoming limited liability company (“Company,” “we,” “us,” or “our”), your privacy is of utmost importance to us. This Privacy Policy outlines how we collect, use, protect, and disclose your personal information through our website, https://usabrightline.com (the “Website”). By using our Website, you consent to the terms of this Privacy Policy. If you do not agree, please exit the page and do not use our Website or services.

Sun Star Business LLC provides financial assistance, resources, and personal loans to consumers. Our services are intended for U.S. residents aged 18 and older.

Information We Collect

We collect information that can personally identify you (“Personal Data”), including:

Identifiers

First name, last name, telephone/mobile number, email address, physical or postal address, unique personal identifier, birthdate, online identifier, IP address, physical characteristics or description, or other unique identifiable Information such as a signature, username or social media handle, or other similar identifiers.

Protected Classifications Under California or Federal Law

Age, disability status, sex, sexual orientation, gender identity, medical information, marital status, military status.

Internet or Other Electronic Network Activity Information

Device identifier, internet protocol (IP) address, browsing history, information about interactions with Our website, application or advertisements.

Geolocation Information

Location data generated by a consumer device capable of connecting to the Internet that directly identifies the precise physical location of the identified individual at particular times.

Commercial Information

Records of personal property, financial information, products or services purchased, or purchasing or consuming histories, monthly income range, estimated debt, status of payments, or credit rating range.

Professional or Employment Information

Employment status, education, employment history, job description, or business information.

Inferences Drawn From Other Personal Data

Profiling a consumer’s preferences, characteristics, psychological trends, preferences, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.

Personal data as described in Cal. Civ. Code § 1798.80(e)

To the extent collected under another category of Personal Data above.

Sensitive Personal Data

Sensitive Personal Data includes social security numbers, banking information, and precise geolocation data. We only use Sensitive Personal Data for limited purposes, such as providing requested services.

Website Use - Site Data

We automatically collect information when you engage with our Website (“Usage Data”), including browser type, HTTP headers, internet service provider, IP addresses, referring/exit pages, operating system, date/time stamps, and clickstream data. Usage Data helps us analyze visitor preferences and improve website functionality.

Revocation/Opt-Out

Email:To unsubscribe from email communications, click the unsubscribe link at the bottom of the email or contact us at [email protected].

Text:To opt out of text communications, text STOP to stop, or HELP for assistance. A confirmation text will be sent.

Communication

We may record and retain communication contents when you interact with us through web forms or chat functions on our Website.

Use of Personal Data

We process Personal Data and Sensitive Personal Data for the following purposes:

Use of Personal Data
Categories of Personal Data Processed
To provide and maintain Our Service
All categories of Personal Data.
Contract Performance
All categories of Personal Data and Sensitive Personal Data.
Website use and analytics
Identifiers, Internet or Other Electronic Network Activity Information.
To contact you
Identifiers.
To provide news and offers
All categories of Personal Data (opt-out available).
To manage your requests
All categories of Personal Data.
Compliance
All categories of Personal Data.

Aggregated Data

We may aggregate or anonymize Personal Data, making it impossible to identify you. This data can be used for any purpose without restriction.

SMS & Text Message Consent

By submitting your information on our Website or through any form of communication, you consent to receive SMS messages from Sun Star Business LLC dba USABrightline.com regarding your inquiry, loan application status, document requirements, promotional offers, and related services. Message frequency may vary. Message and data rates may apply.

You may opt out at any time by texting STOP, and you can request help by texting HELP.

SMS consent is not shared with third parties or affiliates for marketing purposes.

How We Obtain SMS Consent

SMS consent is collected through our online forms. Users enter their mobile number and must affirmatively check a box agreeing to receive SMS communications. The checkbox is not pre-selected, ensuring affirmative, documented consent in compliance with FCC and CTIA guidelines.

Sharing Your Personal Data

We only share specific categories of personal data with third parties for the purposes listed below. We do not sell, rent, or share mobile numbers or SMS consent with third parties or affiliates for their marketing or promotional purposes.

Reason for Sharing
Categories of Personal Data Shared
Authorized Third-Party Service Providers
All categories of Personal Data for necessary services.
Social Media and Analytics Companies
Identifiers, Protected Classifications, Geolocation Information, Commercial Information, Internet Activity Information, Professional Information, and Consumer Inferences.
As Required By Law
Personal Data in response to legal processes or to protect safety and rights.

How Data is Collected

  • Directly from Website Visitors: Provided through communications or promotional advertisements.
  • Data Analytic Partners and Service Providers: Collected from third parties for website functions and services.
  • Tracking Technologies: Cookies and pixels track interaction with the Website for functionality and user experience.

Transfer of Personal Data

Your information may be processed outside your state or country. We ensure your data is secure and processed in accordance with this Privacy Policy.

Retention & Security of Personal Data

We retain your Personal Data as long as necessary for the purposes of this Privacy Policy and to comply with legal obligations. While we strive to protect your Personal Data, no transmission or storage method is 100% secure.

State-Specific Consumer Privacy Notices

Residents of California, Colorado, Connecticut, Nevada, or Virginia may have additional privacy rights, including:
Right
Description
Right to Opt-Out
Prevent the sale or sharing of Personal Data.
Right to Know
Request information on the categories and specific pieces of personal information we collect.
Correction and Deletion Requests
Request corrections or deletions of personal information.
Right to Appeal
Appeal decisions to deny privacy requests.
To submit a privacy request, email [email protected] or click the relevant link on our Website.

Children’s Privacy

Our services are intended for individuals 18 years and older. We do not knowingly collect Personal Data from individuals under 18.

Links to External Sites

Our Website may contain links to external sites. We are not responsible for the content, privacy policies, or practices of any third-party sites.

Conflict of Law

If local laws require stricter protection for your Personal Data, they take precedence over this Privacy Policy.

Privacy Policy Changes

We may update this Privacy Policy periodically. Your continued use of our Website after changes constitutes your acceptance. Visit this page regularly for updates.

Loan Terms and Credit Disclosures

We may initiate a soft pull of your credit report for review prior to providing rates and terms. This soft pull will not impact your credit score. If you choose to proceed with a loan, a hard inquiry may be performed, which may impact your credit score. Obtaining a loan may also result in repayment activity being reported to credit bureaus. Brightline USA Inc. offers consumer credit products and services to eligible borrowers who are at least 18 years old and have a valid Social Security number and checking account. All loans are subject to credit approval and applicable terms. APR ranges from 4.99% to 34.99%, with loan amounts between $5,000 and $100,000. Loan availability and rates may vary by applicant and state.

Contact Information

For questions about this Privacy Policy, please contact us at [email protected]

Thank you for trusting Brightline USA Inc. with your privacy.

Text messaging originator opt-in data and consent will only be shared with providers of the Text Message services.