Privacy Policy

BankCheap ("BankCheap," "we," "us," or "our") operates this website and the related tools, calculators, and content (collectively, the "Service"). This Privacy Policy applies to information collected through the Service.

Information you provide. When you use a calculator, sign up for an account, contact us, or subscribe to communications, you may give us information such as:

• Email address and account credentials
• Profile and preference inputs (e.g. industry, monthly revenue, loan amount, credit score range)
• Messages you send us

Information collected automatically. When you visit the Service, we and our service providers may automatically collect:

• Device and browser data (type, OS, language, screen size)
• IP address and approximate location (city/region level)
• Pages viewed, links clicked, referring URL, and timestamps
• Cookie and similar identifiers

We do not collect Social Security numbers, bank account credentials, or full payment card numbers through the Service.

• Operate, maintain, and improve the Service
• Run calculators and generate personalized recommendations
• Authenticate accounts and prevent abuse, fraud, and security incidents
• Communicate with you about updates, support, and (with consent where required) marketing
• Measure and analyze traffic, performance, and conversions
• Comply with legal obligations and enforce our Terms

We use cookies and similar technologies to keep you signed in, remember preferences, measure analytics, and (where used) support advertising attribution. You can control cookies in your browser settings; disabling them may break parts of the Service. Where required by law, we present a cookie banner to obtain consent before placing non-essential cookies.

We share information only as described below:

• Service providers who host, secure, analyze, and support the Service under contracts that restrict use of the data to providing services to us.
• Financial partners when you click through to apply for a product — the partner then handles your application under their own privacy policy and terms. We may receive limited conversion data back (e.g. that you opened an account) for attribution.
• Legal and safety — to comply with law, valid legal process, or to protect rights, property, or safety.
• Business transfers — in connection with a merger, acquisition, financing, or sale of assets, subject to standard confidentiality protections.

We do not sell your personal information for money. Some analytics and advertising cookies may qualify as "sharing" or "sale" under certain U.S. state laws; see "Your privacy rights" below to opt out.

We keep personal information only as long as necessary for the purposes described in this policy, to comply with legal obligations, resolve disputes, and enforce our agreements. Aggregated or de-identified data may be kept indefinitely.

We use administrative, technical, and physical safeguards designed to protect personal information. No internet transmission or storage system is 100% secure, so we cannot guarantee absolute security.

Depending on where you live (including California, Colorado, Connecticut, Virginia, Utah, Texas, and other U.S. states with comprehensive privacy laws), you may have the right to:

• Know what personal information we have about you
• Access or receive a copy of that information
• Correct inaccurate information
• Delete your information
• Opt out of sale or sharing for targeted advertising
• Limit use of sensitive personal information
• Not be discriminated against for exercising your rights

To exercise these rights, email privacy@bankcheap.app. We will verify your request and respond within the time required by applicable law. You may also use an authorized agent where the law allows.

The Service is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us information, contact us and we will delete it.

The Service is operated in the United States. If you access it from outside the U.S., your information will be transferred to, stored, and processed in the U.S. under U.S. law, which may differ from the laws of your country.

We may update this Privacy Policy from time to time. We will post the new version with an updated "Last updated" date and, for material changes, provide additional notice (such as a banner or email) where required.

Questions about privacy? Email privacy@bankcheap.app.