Privacy Policy

Introduction

BSIFinancialUSA.com is an independent consumer information website. We are not affiliated with, endorsed by, or sponsored by BSI Financial Services, Servis One, Inc., or any of their affiliates. Our purpose is to provide unbiased research and information to homeowners whose mortgages are serviced by BSI Financial.

By using our website, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with any part of this policy, please do not use our website.

Information We Collect

Information You Provide Voluntarily

When you complete a refinance application form on our site, you may voluntarily provide personal information including:

• Full name and contact information (email, phone number, mailing address)
• Property address and estimated value
• Current mortgage balance and interest rate
• Employment and income information
• Credit score range (self-reported)
• Loan purpose (refinance, cash-out, purchase)

Information Collected Automatically

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

• IP address and general geographic location (country, state, city)
• Browser type, version, and language settings
• Operating system and device type (desktop, mobile, tablet)
• Pages visited, time spent on pages, and referring website
• Date and time of your visit
• Anonymous performance and analytics data

How We Use Your Information

We use collected information for the following purposes:

• Match you with lenders: When you submit a refinance inquiry, we share your information with licensed mortgage lenders who may contact you with loan offers.
• Improve our website: Analyze usage patterns to enhance content quality and user experience.
• Communicate with you: Respond to inquiries, provide requested information, or send updates you have opted into.
• Prevent fraud and abuse: Monitor for suspicious activity and enforce our Terms of Use.
• Comply with legal obligations: Respond to lawful subpoenas, court orders, and regulatory requests.

How We Share Your Information

With Lending Partners

When you submit a refinance application through our site, your information is shared with our third-party lending partners via our affiliate network (APIdiamond.com). These lenders may contact you by phone, email, or text message with loan offers, even if you are on a Do Not Call registry, per Federal Communications Commission (FCC) TCPA rules for consented inquiries.

With Service Providers

We may share information with trusted third-party service providers who help us operate our website, including web hosting, analytics, email delivery, and security services. These providers are contractually obligated to protect your information and use it only for the services we've contracted them to perform.

Legal Requirements

We may disclose your information if required to do so by law, court order, or governmental request, or if we believe such action is necessary to protect our rights, comply with a judicial proceeding, or protect the safety of our users or the public.

Business Transfers

If our business is sold, merged, or transferred, your information may be transferred to the new owner as part of that transaction, subject to the terms of this Privacy Policy.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance user experience and analyze site traffic. Cookies are small text files stored on your device.

Types of Cookies We Use

Essential Cookies

Required for basic website functionality (navigation, form submission). Cannot be disabled without breaking core features.

Analytics Cookies

Help us understand how visitors use our site. We use Google Analytics 4 (GA4) and Statcounter for aggregated, anonymous usage data.

Advertising Cookies

Third-party partners may use cookies to serve relevant ads on other websites based on your visit to our site.

You can control cookies through your browser settings. Most browsers allow you to block or delete cookies. Note that disabling cookies may limit your ability to use certain features of our site.

Third-Party Services

Our website integrates with the following third-party services, each with its own privacy policy:

• Google Analytics 4: Website analytics. Google Privacy Policy
• Statcounter: Visitor tracking. Statcounter Privacy
• APIdiamond: Loan application processing and lender matching. Your data is processed according to their terms.
• Google Fonts: Web typography. Fonts served via Google's CDN.

We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

Data Security

We implement reasonable technical and organizational security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL/TLS encryption for all data transmitted between your browser and our servers
• Regular security audits and vulnerability assessments
• Access controls limiting employee access to personal information
• Secure hosting infrastructure with industry-standard protections

Despite these safeguards, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this policy, or as required by law. Specific retention periods:

• Application data: Retained by our lending partners according to their retention policies (typically 3–7 years for regulatory compliance)
• Analytics data: Aggregated and anonymized data may be retained indefinitely; individual session data is typically retained for 26 months (GA4 default)
• Contact form submissions: Retained for 24 months unless deletion is requested

Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Right to Access: Request a copy of personal information we hold about you
• Right to Correction: Request corrections to inaccurate information
• Right to Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Right to Opt-Out: Opt out of marketing communications at any time
• Right to Data Portability: Request a copy of your data in a portable format

To exercise these rights, please contact us using the information in Section 14.

California Privacy Rights (CCPA/CPRA)

California residents have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

• The right to know what personal information is collected and how it is used
• The right to know whether personal information is sold or disclosed, and to whom
• The right to opt out of the sale or sharing of personal information
• The right to request deletion of personal information
• The right to non-discrimination for exercising CCPA rights
• The right to limit use of sensitive personal information (CPRA)

To submit a verifiable consumer request, email us at [email protected] with the subject line "CCPA Request."

European Users (GDPR)

If you are located in the European Union, United Kingdom, or European Economic Area, you have rights under the General Data Protection Regulation (GDPR):

• Legal basis for processing (consent, contract, legal obligation, legitimate interest)
• Right to withdraw consent at any time
• Right to lodge a complaint with a supervisory authority
• International data transfer safeguards

Our website is primarily targeted at U.S. residents. If you are an EU user, please contact us to exercise your GDPR rights.

Children's Privacy

Our website is not directed at children under 18 years of age. We do not knowingly collect personal information from children. If we discover we have collected information from a child, we will delete it promptly. If you believe a child has provided us with personal information, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this policy and, where appropriate, provide notice on our website. We encourage you to review this policy periodically.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

This Privacy Policy was last updated on September 10, 2026, and is effective as of January 1, 2026. Prior versions are available upon request.