Privacy Policy

This is the Privacy Policy (“Privacy Policy” or “Policy”) of The Bedrock Mortgage Fund, LLC and its affiliated companies and subsidiaries (collectively, the “Company,” “We,” “Us” or “Our”) regarding your use and interaction with the Company and its Website www.thebedrockfund.com (the “Website”). By using our Website, you consent to this Privacy Policy, as amended from time to time.

The Company values your patronage and protecting your confidential information is a priority. Our policies and procedures reinforce the fact that Company strongly believes in protecting the confidentiality and security of the information we collect about you as a customer, potential customer, or former customer. We have adopted the following policies and procedures to safeguard personal information about you in our possession.

Introduction

This policy discloses which information we collect through our Website and how we use it, as well as the choices you can make about the way your information is collected and used. We also explain how personally identifiable information that you may provide will be used. We also detail below our security policy which describes how your personal information is protected both electronically and physically.

This Policy applies to information we collect:

  • On the Website;

  • In email, text, and other electronic messages between you and the Website;

It does not apply to information collected by:

  • Us outside of the Website;

  • Any third party, including through any application or content (including advertising) that may link to or be accessible from or through the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this Privacy Policy. 

This Privacy Policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children Under the Age of 18

Our Website is not intended for children under 18 years of age. No one under age 18 may provide any personal information to the Website. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website or through any of its features, register on the Website, make any purchases through the Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 18, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us.

Our Privacy Pledge

  • We do not sell or rent customer information.

  • We share customer information with certain employees and with companies providing services on our behalf in order to service your needs.

  • Our policy is to require all employees and companies providing services on our behalf to keep customer information confidential.

  • Our privacy policy applies to potential customers as well as current and former customers.

Company Security Policy

The Company takes strong steps to safeguard your personal and sensitive information through industry standard physical, electronic, and operational policies and practices. All data that is considered highly confidential data can only be read or written through defined service access points, the use of which is password-protected. The physical security of the data is achieved through a combination of network firewalls and servers with tested operating systems, all housed in a secure facility. Access to the system, both physical and electronic, is controlled and sanctioned by a high-ranking manager.

Safeguarding Personally Identifiable Information

  • We have adopted policies and procedures designed to protect your personally identifiable information from unauthorized use or disclosure.

  • We have implemented physical, electronic, and procedural safeguards to maintain the confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include among other things, procedures for controlling access to customer files, building security programs and information technology security measures such as the use of passwords, firewalls, virus prevention, and use detection software.

  • We continue to assess new technology as it becomes available and to upgrade our physical and electronic security systems as appropriate.

  • Our policy is to permit employees to access your personal information only if they have a business purpose for using such information, such as administering, providing or developing our products or services.

  • Our policy, which governs the conduct of all of our employees, requires all employees to safeguard personally identifiable information about the consumers and customers we serve or have served in the past.

Information We Collect About You/How We Use Your Information

We collect information about you to present our Website and its contents to you, to help us serve your financial needs, to provide you with information, quality products and services and to fulfill our legal and regulatory requirements including, but not limited to, any contracts entered into between you and us. We consider non-public personal information about you in our possession to be personally identifiable information, even if you cease to be a customer. The personally identifiable information we collect about you may include among other things:

    • Identifying information, such as your name, age, address, phone number and social security number;

    • Financial information such as your income, assets and liabilities, as well as information about your savings, investments, insurance, and business;

    • Banking information.

The Company does not alter its behavior or change its services upon receiving Do Not Track requests.

Typically, we collect information on applications and other forms you complete, through conversations you may have with our originators and processors, with our other representatives, and in some cases, through our Website. We may also collect information from publicly available data and a wide range of other sources in order to process and/or underwrite your application. These sources may include among others, banks, title insurers, insurance companies, and credit reporting agencies.

We may use this information to pull a credit report from a credit bureau to determine your credit worthiness as well as to help our underwriters to assess your request in the context of your overall financial situation. We may also use your required and optional information to facilitate activities and transactions that need to occur during the process such as:

  • Enabling our financial services partners to implement automatic payments and funds transfer;

  • Contacting you if there is a problem completing a transaction you requested or to discuss a problem with your account;

  • Implementing collection activities as needed;

  • Maintaining regular communications with you as may be necessary to execute loan application, loan agreement and certain stipulations such as identity verification, income verification and employment verification.

In addition, we gather names and email addresses of people who contact us through our Website with questions about our company or lending operations.

Lastly, we (and/or our service providers) may collect information about your computer and your visits to our Website, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files. We (and/or our service providers) may use this aggregated information in the administration of our Website to improve its usability and to evaluate the success of particular marketing/advertising campaigns, search engine optimization strategies, and other marketing activities. We (and/or our service providers) may use non-identifying and aggregated information to help optimize our Website based on the needs of our users. Additionally, third parties may collect certain similar information about your computer and other pages you may visit when you visit our Website, as discussed further below.

We will retain your information for as long as your account is active or as needed to provide you services or in accordance with our data retention policy. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements, which may be indefinitely.

We may disclose personal information that we collect or you provide as described in this Privacy Policy:

  • To our subsidiaries and affiliates to offer or provide services to you and for other purposes stated herein;

  • To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them;

  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all the Company's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by the Company about our Website users is among the assets transferred.

  • To fulfill the purpose for which you provide it;

  • For any other purpose disclosed by us when you provide the information;

  • With your consent; 

  • As otherwise stated in this Privacy Policy.

We may also disclose your personal information:

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request;

  • To enforce or apply our Terms of Use;

  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others. 

Communications from Our Website

When you submit an application, you will receive a notification confirming this specific action. We may also send you responses to emails you send us, if appropriate or applicable. From time to time, we may also send user surveys, requests for user feedback regarding user experience and Website operations or marketing offers from us or from us on behalf of our marketing partners. The completion of these surveys or requests for feedback or acceptance of any offer is strictly voluntary. If you do not wish to receive these offers, surveys or user feedback emails, please opt out in any offer email you receive from us.

Links to and Forms Provided by Third Party Websites

The Company is not responsible for the information practices employed by Websites linked to or embedded within our Website. In most cases, links to non-Company Websites are provided solely as an access point to obtain information on products and topics that may be useful to the users of the Company Website. These Websites may have different privacy policies and/or security standards governing their Websites and may track certain information while you are visiting such Websites or utilizing such surveys or forms.

Testimonials

We may display personal testimonials of satisfied customers on our Website in addition to other endorsements. By submitting a testimonial, you consent to our use and display of your testimonial along with your name on our Website.

Notifications

Company may send you email notifications from time to time such as confirmations of particular actions you have taken. These notices are sent typically to notify you of a change in status such as for legal or security purposes. For example, certain notifications are sent for your own protection to ensure that no one can make a change to your account without your knowledge, such as confirming the addition of a new email address or linked external bank account. These notifications are sent to you so that you can be assured that no one is making changes to your account without your knowledge. In other cases, these notifications involve changes to various legal agreements, terms and condition updates, and privacy policy update notifications. Generally, you may not opt out of these service-related emails.

Sharing Information with Companies That Provide Services for Us

We may share personally identifiable information about you, as required or permitted by law, with third parties, such as service providers who assist us in the administration, processing, servicing, and sale of our Services. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services, and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personally identifiable information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.

Where You Can Find and/or Correct Your Information

You can contact us directly to view and/or update any information we have about you. 

Web-related Information Collection

The Company may use web beacons or pixel tags in conjunction with cookies on our Website, including session ID cookies and non-persistent cookies. A cookie is a text file sent by a web server to a web browser and stored by the browser. The text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser and load the pages according to a user’s preferences for that particular Website, including the personalization of content. Cookies are also used to gather statistical data, such as which pages are visited, what is downloaded, the ISP’s domain name and country of origin, and the addresses of Websites visited before and after coming to our Website, as well as your “click stream” activity, meaning the paths taken by visitors to our Website as they navigate from page to page and transactional attributes in accordance with information you voluntarily submit in the course of using our Website. This data is aggregated for analysis to ensure proper functioning of our Website in terms of navigation and usability, as well as to evaluate the effectiveness of our marketing activities. At no time do any of our cookies capture any personally identifiable information. However, to the extent that Internet Protocol (IP) addresses or similar identifiers are considered personal information by local law, we also treat these identifiers as personal information. Similarly, to the extent that non-personal information is combined with personal information, we treat the combined information as personal information for the purposes of this Cookie Policy. More importantly, using cookies also helps us protect the security of your account. Encrypted session ID cookies follow your activities on our Website so that we can ensure that no one is making changes to your profile, applying for loans, or making loans on your behalf. We may send a cookie that can be stored by your browser on your computer’s hard drive. We may use the information we obtain from the cookie in the administration of our Website, to improve its usability and for evaluating our marketing events. We may also use that information to recognize your computer when you visit our Website. Most browsers allow you to refuse to accept cookies. Blocking cookies, however, can also have a negative impact on the usability of many Websites. We also use third-party tracking services that use cookies or other tracking technology to track non-personal information about visitors to our Website in the aggregate such as web page views, other Websites visited and referral page information to track the effectiveness of our marketing campaigns to bring visitors to our Website. We use respective web beacons to gather information that lets us tune and improve our user’s browsing experience, as well as track user responsiveness to various advertising campaigns and user activities. No personal or sensitive information is transmitted to advertising partners. However, certain partners may collect incoming IP addresses in connection with your visits to our Website.

This Website may use the Google Maps API, the Google Places API and the Google Maps Geocoding API to collect information about your location. By using this Website, you agree to allow us to cache your location for the uses described herein. You may revoke this consent at any time by disabling geolocation sharing in your browser and starting a new browsing session. This information is used to identify nearby branch locations and provide directions to those locations and such information is only retained during your browsing session. Google’s Privacy Policy is incorporated herein and can be found at https://policies.google.com/privacyopens in new tab. By using this Website, you agree to be bound by Google’s Terms of Service which may be found at https://policies.google.com/termsopens in new tab.

If you want to disable cookies and you’re using the Safari web browser, go to Safari preferences and then to the privacy pane to manage your preferences. On your Apple mobile device, go to Settings, then Safari, scroll down to the Privacy & Security section, and tap on “Block Cookies” to manage your preferences. If you want to disable cookies and you’re using the Chrome browser, go to Settings > Privacy and Security > Cookies and Other Website Data, make the selection that provides the level of tracking you prefer. If you want to disable cookies and you’re using the Explorer browser, go to Settings > Internet Options > Privacy Tab > Advanced, make the selection that provides the level of tracking you prefer. For other browsers, check with your provider to find out how to disable cookies. Please note that certain features of the Company Website will not be available once cookies are disabled.

Compliance with State and Federal Laws

This Privacy Policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding recordkeeping, reporting and audits.

California Do Not Track Notice

Under California law, Website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about a consumer’s online activities over time and across third party Websites, to the extent the operator engages in that collection. At this time, we do not track our customers’ personal information over time and across third-party Websites, therefore this requirement does not apply to us. California law also requires Website and online service operators to disclose whether third parties may collect personal information about their user’s online activities over time and across different Websites when the users use the operator’s Website or service. Third parties that have content or services on our Website such as a social feature, analytics service, or an advertising network partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our Website unless you directly provide it to us and we provide it to them with your consent.

Link to Other Websites

We may offer links to partners’ Websites. We make the decision to provide links to these Websites based on the quality of information provided at the time the links are enabled or to facilitate our customers’ more effective use of our Website, and we make every effort to monitor the continuing quality of content provided on these Websites. However, these external Websites are not subject to this Privacy Policy and may have different privacy policies or approaches to the handling of information. Company has no control over the content of these Websites. Please consult the privacy policies on these Websites before you provide them any of your personal information.

What you can do

You can take several precautions to protect the security of your computer and personal information. For instance, you can start by using a well-chosen password. We also recommend that you change your password often. You can also install and update antivirus and firewall software to protect your computer from external attacks by malicious users. When you are finished with a session on our Website, be sure that you log out and close the browser window.

To protect your account, we send automatic notifications confirming certain actions taken on your account, such as changes to a password or an external linked account. We do this for your own protection so that you can be sure no one else is making changes to your account without your knowledge. However, the security offered through these notifications can be undermined if other people have access to your email account. Therefore, you might consider restricting access to the email account you registered with on this Website and/or changing your password on that email account frequently.

If you use a computer that is accessed by other people, such as in a public library or internet café, we recommend that you take special precautions to protect the security of your account and personal data. When you are finished using your Website, you should log out completely, then close the browser window and clear the browser’s cache file.

You should also be aware of fraudulent attempts to gain access to your account information known as “phishing”. Phishing is a tactic used by scammers in which unsuspecting people are brought to a Website by a genuine-looking email purporting to be from a legitimate company. The phony or “spoof” email takes the person to a Website that looks legitimate but in fact is not. Either in the email itself or on this fake Website, scammers will ask for login information to gain access to people’s accounts and withdraw their money. Company will never ask for login information to gain access to the customer’s account and access sensitive information. Company will never ask you for your login information in the context of any email, physical mail, phone call, or otherwise. In general, you can protect yourself against phishing by never providing personal or login information via an email instead, go to the Website directly. You might also make it a habit to check the URL of a Website to be sure that it begins with the correct domain.

Changes to Our Privacy Policy

We may make changes to our privacy policy in the future. If you choose to receive e-mail messages or newsletters from us, you may later modify your choice by contacting us at phone number 770-368-1900 . You will also be given the opportunity, in any general bulk commercial e-mail that we send to you, to opt out of receiving such messages in the future. We will attempt to address your request immediately but it may take up to 10 days for us to process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as processing requests, conditional loan offers, requests for additional information, service updates or announcements, administrative notices, and surveys, without offering you the opportunity to opt out of receiving them. Please note that opting out of receipt of promotional e-mail communications will only affect future activities or communications from us. Note: If we have already provided your information to a third party as part of your application then you may have to change your preferences directly with that third party.

Contacting Us

If you have any questions about this privacy policy, please contact us at:

Bedrock Compliance

3235 Satellite Boulevard

Suite 103

Duluth, GA 30096 

770-368-1900