Privacy Policy — bjsfinances.com
Effective Date: June 1, 2026
Last Updated: June 1, 2026
BJS Finances LLC ("BJS Finances," "we," "our," or "us") values your privacy and takes seriously our responsibility to handle personal information collected through our website and related services with care.
This Privacy Policy describes what information we gather, how we put it to use, how long we keep it, when we may share it, and what choices you may have when you visit or use bjsfinances.com (the "Site"), including tools that help you search for, compare, and connect with third-party loan and credit providers through the BJS Finances service.
This notice applies only to bjsfinances.com and web-based services operated by BJS Finances LLC. Use of the Payday Loans: BJS Finances is governed separately by our App Privacy Policy. Depending on how you interact with us, other policies may also apply, such as our Terms of Use and Disclosures. If you leave our Site and apply with or speak directly to a lender, marketplace, or other financial company, that organization's own privacy rules govern what happens next.
1. Who We Are
BJS Finances LLC is a Colorado-organized company that runs an online platform for discovering and comparing financial products offered by independent third parties.
BJS Finances is not a lender, loan broker, bank, or other financial institution. We do not extend credit, advance cash, underwrite applications, set interest rates or fees, or decide whether any request is approved. Our role is limited to presenting information you choose to share so that participating providers can evaluate whether they may have suitable options for you.
Every lending decision, eligibility determination, funding step, and repayment arrangement is made solely by the third-party provider you select or are directed to. We do not control those outcomes.
2. Information We Collect
The data we handle depends on how you use the Site. Broadly, it falls into information you give us directly, information gathered automatically when you browse, and limited information we may receive from service partners.
Information you provide. When you complete forms, request a match, or reach out to us, you may voluntarily supply details such as your name, email address, state or ZIP code, requested loan amount, general borrowing preferences, employment or income range, pay frequency, and other facts you believe are relevant to finding suitable offers. If you write to us for support, we also retain the content of your messages, any attachments you send, and related correspondence.
Information collected automatically. Like most websites, our servers and analytics tools may record technical and usage data when you visit the Site. This can include your IP address, browser and operating system type, device characteristics, language and time-zone settings, pages you open, links you follow, how long you stay, referring and exit URLs, and general location inferred from your IP address rather than precise GPS coordinates. We may also maintain server logs with timestamps, error reports, request metadata, and security-related records that help us keep the platform running reliably.
Information from third parties. We may receive limited data from vendors that host our infrastructure, measure site performance, deliver email, or confirm that a referral was completed. We use this information only to operate, secure, and improve our services.
3. Information We Do Not Intentionally Collect on the Site
Through the Site itself, we do not deliberately ask for Social Security numbers, government ID numbers, driver's license or passport details, full bank login credentials, debit or credit card numbers, or online banking passwords.
If a partner provider needs sensitive financial or identity information to process an application, that collection happens on the provider's own website or application under its separate privacy practices—not on bjsfinances.com.
4. How We Use Information
We use the information described above to operate the BJS Finances search and comparison experience, including routing your request to participating providers whose criteria may align with the details you submitted, displaying relevant product information, and facilitating connections when you choose to move forward.
We also use contact and message data to answer questions, send service-related notices, and handle support matters. Usage and technical data help us understand how visitors navigate the Site, improve form design, diagnose bugs, measure referral performance, and make the experience clearer and faster.
In addition, we process information to protect the Site against fraud, abuse, and unauthorized access; to enforce our terms; to meet legal and regulatory obligations; to respond to lawful requests; to maintain business records; and to resolve disputes when necessary.
5. Cookies and Similar Technologies
We use cookies, pixels, local storage, and related technologies to keep core features working, remember temporary preferences, reduce spam and automated abuse, analyze traffic patterns, and evaluate how well pages load and forms perform.
Essential technologies are needed for basic operation—for example, maintaining session continuity or protecting against bots. Analytics and measurement tools help us see which pages are visited, how users move through the Site, and where technical issues arise. Functional technologies may remember choices such as dismissed banners or interface settings so you do not have to reset them on every visit.
Most browsers let you delete or block cookies and alert you before new ones are stored. Turning cookies off may limit certain features or cause parts of the Site to behave differently.
6. Sharing of Information
We do not sell personal information for direct monetary payment.
We may share information with participating lenders and other financial providers when you request a match or choose to continue toward an offer, so they can evaluate eligibility and present options. We also disclose information to vendors who help us host the Site, send email, analyze performance, detect fraud, and maintain security—under contracts that limit their use of the data to providing services to us.
We may release information when we believe disclosure is required by law, such as in response to a subpoena, court order, or regulatory inquiry, or when necessary to investigate fraud, protect our rights, or help keep users and the public safe. If BJS Finances is involved in a merger, acquisition, restructuring, or sale of assets, personal information may transfer as part of that transaction, subject to continued protection consistent with this notice.
7. Data Retention
We keep personal information only for as long as it is reasonably needed to provide services, meet legal requirements, prevent fraud, and resolve disputes. The exact period varies by data type and purpose.
As a general guideline, matching details and contact information tied to your use of the Site are typically retained for up to thirty-six months after your last meaningful interaction with us, unless a longer period is required by law or justified by an active inquiry. Aggregated or de-identified information that no longer identifies you may be kept longer for statistical and operational purposes.
8. Data Security
We apply commercially reasonable safeguards designed to protect personal information, including encrypted transmission over the internet where appropriate, access controls, and restrictions on who within our organization can view sensitive records. Encryption at rest and other protections may be used where applicable to our systems.
No method of storage or transmission is completely secure. If we become aware of a security incident that triggers notification duties under applicable law, we will inform affected individuals as required.
9. Your Privacy Rights
Depending on where you live and applicable law, you may have the right to request access to personal information we hold about you, ask us to correct inaccurate data, request deletion in certain circumstances, obtain a portable copy of information you provided, or opt out of particular processing activities. We will not discriminate against you for exercising privacy rights granted by law.
To submit a request, email [email protected] with the subject line Privacy Request and describe what you are asking for. We may need to verify your identity before fulfilling certain requests. Residents of states with comprehensive privacy laws—including, where applicable, Virginia, Texas, Connecticut, and others with similar statutes—may use the same contact method.
10. California Privacy Rights
California residents may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including rights to know, delete, correct, and opt out of certain sharing that may be classified as a "sale" or "sharing" under California law.
California residents may submit verifiable consumer requests by emailing [email protected] with the subject line California Privacy Request. We will respond in accordance with applicable California requirements.
11. Nevada Residents
Nevada residents may direct us not to sell certain covered information under Nevada law. To submit an opt-out request, email [email protected] with the subject line Nevada Privacy Request.
12. Colorado Privacy Rights
If you are a Colorado resident, the Colorado Privacy Act (CPA) may grant you rights to access, correct, delete, and obtain a portable copy of your personal data, and to opt out of processing for targeted advertising, certain sales, or profiling in particular contexts where those rights apply.
Colorado residents may exercise applicable rights by contacting [email protected] with the subject line Colorado Privacy Request. We will handle qualifying requests as required by Colorado law.
13. Communications and Consent
By submitting information through our forms, you confirm that you are requesting search, comparison, or referral services related to financial products and that the details you provide are accurate to the best of your knowledge.
We may contact you by email about your request, account-related matters, or service updates. Where you provide a mobile number and give appropriate consent, we may also send text messages about your inquiry or related services. If we send marketing or promotional texts that fall under the Telephone Consumer Protection Act (TCPA), we obtain any legally required prior express written consent before sending autodialed or prerecorded marketing messages. Consent to marketing texts is not a condition of receiving non-marketing services where prohibited by law. Message frequency varies, and message and data rates may apply.
You can opt out of marketing emails by following unsubscribe instructions in those messages. You can opt out of marketing texts by following instructions in the message (such as replying STOP) or by emailing [email protected]. Operational or transactional messages may still be sent where permitted without separate marketing consent.
14. Children's Privacy
The Site and BJS Finances services are intended only for adults who are at least eighteen years old and U.S. residents. We do not knowingly collect personal information from anyone under eighteen. If you believe we have received information from a minor, please contact us so we can delete it.
15. International Users
Our services are directed to users in the United States. If you access the Site from outside the U.S., you understand that your information may be transferred to, stored in, and processed in the United States, where privacy laws may differ from those in your country.
16. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we do, we will post the revised version on this page and update the effective date above. Your continued use of the Site after changes take effect constitutes acceptance of the updated policy, except where further consent is required by law.
17. Contact Us
If you have questions about this Privacy Policy or our privacy practices, contact:
BJS Finances LLC
717 Hawthorn Ave
Boulder, CO 80304-2139
United States
Email: [email protected]