Privacy Policy

Privacy Policy

Last Updated: November 2, 2025

This Privacy Policy describes how Billy Buster Capital LLC ("Company," "we," "us," or "our"), located at 30 N Gould St Ste R, Sheridan, WY 82801, United States, collects, uses, discloses, and protects your personal information when you access or use our website, applications, portals, communications, and related services (collectively, the "Service"). By using the Service, you consent to the data practices outlined in this Privacy Policy. If you do not agree, please do not use the Service.

This Policy is incorporated into our Terms and Conditions. We are committed to protecting your privacy and handling your information in compliance with applicable laws, including but not limited to the California Consumer Privacy Act (CCPA) if applicable to you.

Important: We do not sell, rent, or trade your personal data to third parties.

1. Interpretation and Definitions

Words with initial capital letters have the meanings defined below. These definitions apply regardless of whether they appear in singular or plural form.

Account: A unique profile created for you to access certain features of the Service.

Affiliate: An entity that controls, is controlled by, or is under common control with us, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.

Cookies: Small text files placed on your Device by websites you visit, which store information about your browsing activities.

Device: Any electronic device capable of accessing the Service, such as a computer, mobile phone, or tablet.

Personal Data or Personal Information: Any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to an identifiable individual.

Service Provider: Any natural or legal person who processes data on our behalf, including third-party vendors for analytics, payment processing, or other support services.

Usage Data: Data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (e.g., duration of a page visit).

You: The individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service.

2. Information We Collect

We collect information in several ways: directly from you, automatically through your use of the Service, and from third-party sources.

2.1 Personal Data You Provide

When you interact with the Service, you may voluntarily provide Personal Data, including but not limited to:

Contact Information: Name, email address, phone number, mobile telephone number, mailing address, gender, birthdate, Social Security number, professional qualifications, and image.

Application and Financial Information: Business name, Employer Identification Number (EIN), funding requirements, financial statements, bank account information, credit card number, debit card number, records of personal property, employment history, income verification, credit reports, FICO scores, tax I.D. numbers, and other information submitted during applications or inquiries.

Background Check Information: Criminal history, verifications of employment, education records, and driving records.

Communications: Information in emails, support requests, chats, or phone calls with us, or shared by you from other social applications, services, or websites.

Account Information: Username, password, and security questions when creating or managing an Account.

Payment Information: Account number, expiration date, security code, and billing address required to process payments.

2.2 Usage Data Collected Automatically

We automatically collect certain information about your Device and usage patterns when you access the Service, including:

Technical Data: IP address, browser type and version, operating system, Device identifiers, referral sources, and geolocation data (approximate, based on IP).

Interaction Data: Pages visited, time and date of visits, time spent on pages, clickstream data, and other diagnostic data.

Mobile Data: If accessing via a mobile Device, we may collect mobile-specific information such as unique Device ID, mobile network, and operating system.

2.3 Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to enhance your experience, analyze usage, and deliver personalized content. Types of Cookies we use include:

Essential Cookies: Necessary for the Service to function (e.g., session management).

Performance Cookies: Collect anonymous data on how visitors use the Service.

Functionality Cookies: Remember your preferences (e.g., language settings).

Targeting Cookies: Used by third parties for advertising purposes.

Important Note: Billy Buster Capital does not use web beacons or tracking pixels in our emails or on our website.

You can manage Cookie preferences through your browser settings. Note that disabling Cookies may limit Service functionality. For more details, contact us at info@billybuster.com.

2.4 Information from Third Parties

We may receive information about you from third-party sources, such as credit reporting agencies, background check providers, public records, data brokers (for demographic data to build and populate FICO models), and Service Providers. This information is used to verify identity, assess eligibility, prevent fraud, and fulfill our business purposes.

3. How We Use Your Information

We use your Personal Data for legitimate business purposes, including: to provide, operate, maintain, and improve the Service; to process applications, underwrite financing, and fulfill contractual obligations; to communicate with you, including responding to inquiries, sending confirmations, updates, and service-related notices; to send marketing and promotional materials (with your consent where required; you can opt out at any time); to analyze usage trends, monitor performance, and enhance security; to detect, prevent, and address fraud, technical issues, or violations of our Terms; to comply with legal obligations, respond to regulatory requests, and enforce our rights; for internal research, auditing, and business development; to better understand how our website and services are being used so we can improve them and engage and retain users; to diagnose problems in our Service; to tailor our Service or advertising to your likely interests; to conduct market research about our customers, their interests, and the effectiveness of our marketing campaigns; and to reduce fraud and protect you as well as Billy Buster Capital.

We may combine data from different sources to achieve these purposes.

4. Email Communications

We may send you a welcome email to verify your Account and other transactional emails for operational purposes, such as billing, account management, or system maintenance. You may only stop those emails by closing your application or terminating your Account.

We may also send you promotions, product announcements, surveys, newsletters, developer updates, product evaluations, and event information or other marketing or commercial emails.

Opting Out of Marketing Emails: You can opt out of receiving marketing email communications from Billy Buster Capital at any time by: unsubscribing using the unsubscribe link within each email; updating your email preferences on your Billy Buster Capital Account; or emailing us at info@billybuster.com to have your contact information removed from our email list or registration database.

Note: Billy Buster Capital does not use web beacons or tracking pixels in our emails.

5. SMS and Phone Communications

By providing your mobile number and opting in (e.g., during application, by texting a keyword, checking a box, or via other method), you expressly consent to receive SMS/text messages and phone calls from us for informational, transactional, and promotional purposes.

5.1 Program Description

Billy Buster Capital offers SMS messaging services to communicate with you about your account, services, promotions, and other relevant information.

5.2 Types of SMS Messages

You may receive the following types of SMS messages: service notifications and account updates; transactional messages related to your interactions with Billy Buster Capital; application status updates; reminders and updates on your loan application; product updates or other information; marketing and promotional offers (if you've opted in); and customer service responses.

5.3 Message Frequency

Frequency: Up to 4 messages per month for promotional content, or as requested. Transactional and service messages are sent as needed based on your activity and application status.

5.4 Costs and Carrier Compatibility

Message and Data Rates: Standard message and data rates may apply based on your mobile carrier's plan. Billy Buster Capital is not responsible for any charges from your mobile carrier.

Carrier Compatibility: Messages are compatible with major U.S. carriers including AT&T, T-Mobile, Verizon, Sprint, and others.

5.5 Consent and Opt-In

Consent: By providing your mobile number and opting in, you are agreeing to receive electronic communications from Billy Buster Capital. This consent can be withdrawn at any time.

Non-Requirement: SMS consent is not a condition of purchase or using the Service. You are not required to agree to receive promotional messages as a condition of obtaining financing or using Billy Buster Capital's services.

5.6 Opting Out of SMS Communications

You can opt-out of SMS messages at any time by: replying "STOP", "END", "CANCEL", "UNSUBSCRIBE", or "QUIT" to any message; closing your loan application or terminating your account; clicking a link within the message (if provided); or emailing us at info@billybuster.com to remove your phone number from our database.

After opting out, you will receive one final confirmation message. Please note that opting out of promotional messages does not opt you out of important transactional or service-related messages necessary for account management.

5.7 Help and Support

For help or more information about SMS messages, reply "HELP" to any message or contact us at info@billybuster.com or call +1 (877) 311-6003.

5.8 Collection and Use of SMS Data

We collect and store the following information related to SMS communications: your mobile phone number; the content of SMS messages sent and received; date and time of messages; and message delivery status.

This information is used to: deliver the SMS services you requested; improve our services and customer experience; comply with legal obligations; prevent fraud and ensure security; and provide customer support.

5.9 Phone Communications

You agree to receive personalized phone communications via phone calls. We may contact you via phone to provide updates on your application, customer service, or other information related to our services.

6. Sharing and Disclosure of Information

We do not sell, rent, or trade your Personal Data. We may share it in the following circumstances:

With Service Providers: To perform functions on our behalf (e.g., SMS service providers, hosting, analytics, payment processing, credit checks, background check providers, technology and hosting providers), under strict confidentiality agreements. These Service Providers are contractually obligated to: protect your information; use data only for providing services to Billy Buster Capital; comply with applicable privacy and telecommunications laws; and not use or store any of our customer information for their own purposes.

With Affiliates and Partners: For joint services or with your consent (e.g., co-branded offerings).

For Legal Reasons: To comply with laws, subpoenas, court orders, or government requests; to respond to legal requirements; to enforce our policies; to respond to claims that any content violates the rights of others; to protect our rights, property, or safety, or that of our customers and users, or the public; or in connection with investigations.

Business Transfers: In the event of a merger, acquisition, reorganization, bankruptcy, or asset sale, your information may be transferred as a business asset. At the sale, merger, or transfer of Billy Buster Capital and/or all or part of its assets, your Personal Information may be among the items sold or transferred.

With Your Consent: For any other purpose disclosed at the time of collection or with your explicit approval. When you agreed to the sharing.

Aggregated/Anonymized Data: We may share or publish non-personal, aggregated data for research or marketing that doesn't specifically identify you, such as statistical information about visitors to our website or statistical information about how customers use our Service.

As stated above, we do not directly disclose your Personal Information to third parties for their marketing purposes without your consent.

7. Data Retention

We retain Personal Data only as long as necessary to fulfill the purposes outlined in this Policy, comply with legal requirements, resolve disputes, or enforce agreements. For example: application data and financial information may be retained for up to 7 years for regulatory compliance and legal retention requirements; Usage Data is typically kept for shorter periods (e.g., 90 days) unless needed for security or analytics; and SMS communication records are retained as necessary for service delivery and compliance.

When no longer needed, we securely delete or anonymize data. Please note that we need to retain certain information about you for legal and internal business reasons, such as fraud prevention.

8. Your Privacy Rights and Choices

Depending on your location, you may have rights under privacy laws (e.g., CCPA for California residents):

8.1 Privacy Rights

Access: Request details about the Personal Data we hold about you. You may request access to any Personal Information we hold about you at any time.

Correction: Update inaccurate or incomplete information. If you believe that any Personal Information we hold about you is incorrect, incomplete, or inaccurate, then you may request us to amend it.

Deletion: Request removal of your Personal Data, subject to exceptions (e.g., legal retention requirements).

Opt-Out of Sales/Sharing: We do not sell data, but you can opt out of targeted advertising or third-party sharing.

Limit Use: Restrict processing of sensitive data.

Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

8.2 How to Exercise Your Rights

To exercise rights, contact us via the details in Section 16 below. We may verify your identity before responding to protect your privacy and security. Where we hold information that you are entitled to access, we will try to provide you with suitable means of accessing it (for example, by mailing or emailing it to you). We may charge you a fee to cover our administrative and other reasonable costs in providing the information to you.

There may be instances where we cannot grant you access to the Personal Information we hold. For example, we may need to refuse access if granting access would interfere with the privacy of others or if it would result in a breach of confidentiality. If that happens, we will give you written reasons for any refusal.

8.3 Managing Your Preferences

You can also: opt out of marketing emails by clicking "unsubscribe" links in emails or by updating your email preferences on your Account; manage SMS preferences as described in Section 5.6 above; control Cookies via browser settings as described in Section 2.3 above; update your information through your account profile settings or by contacting us; request that we remove your email address or mobile number from our marketing database; and request a copy of your personal information.

9. Security Measures

We implement reasonable administrative, technical, and physical safeguards to protect Personal Data from unauthorized access, loss, misuse, destruction, or alteration. This includes: industry-standard encryption technologies when transferring and receiving consumer and transaction data; encrypted data transmission for SMS communications; secure data storage systems; limited access controls; regular security audits and assessments; and secure payment processing.

These safeguards vary based on the sensitivity of information that we collect, process, and store and the current state of technology.

However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security. Although we take appropriate measures to safeguard against unauthorized disclosures of information, no Internet, email, or SMS transmission is ever fully secure or error free. If a breach occurs that compromises your Personal Data, we will notify you as required by law.

10. Children's Privacy

Our Service is not intended for individuals under the age of 13 (or 16 in some jurisdictions, or 18 where applicable). We do not knowingly collect or solicit Personal Data from children. If you are under the applicable age, please do not attempt to register for the Services or send any personal information about yourself to us.

If we become aware that a child has provided information or learn that we have collected personal information from a child under the applicable age, we will promptly delete it. Parents/guardians who believe their child has submitted data should contact us immediately at info@billybuster.com.

11. Third-Party Links and Services

The Service may contain links to external websites, services, or third-party buttons, tools, or content (for example, a Facebook "Like" button). We may collect information about your use of these features.

We are not responsible for the privacy practices, content, or security of these third-party websites or services employed by those websites or services, nor are we responsible for the information or content they contain. When you see or interact with these buttons, tools, or content, or view a Billy Buster Capital web page or app containing them, some information from your browser may automatically be sent to the other company.

This Privacy Policy applies solely to information collected by us through the Site and Services. When you use a link to go from the Site or Services to a third-party website or service, this Privacy Policy is no longer in effect and the privacy policy of such third-party site or service will govern. We encourage you to review their policies before providing information.

12. Social Networking Pages

Billy Buster Capital has its own pages on many social networking sites (for example, the Billy Buster Capital Facebook page). We may collect information when you interact with our social networking pages.

13. Online Advertising

Billy Buster Capital advertises online in a variety of ways, including displaying Billy Buster Capital ads to you on other companies' websites and apps. We collect information such as which ads are displayed, which ads are clicked on, and where the ad was displayed.

14. International Data Transfers

If you are located outside the United States, note that your information will be transferred to and processed in the U.S., where privacy laws may differ from those in your country. By using the Service, you consent to such transfers and the collection, use, and disclosure of your information as described in this Privacy Policy.

15. Changes to This Privacy Policy

We may update this Policy periodically to reflect changes in our practices, legal requirements, or to allow Billy Buster Capital to use or share your personal information in a different way.

We will post the revised version on the Website with an updated "Last Updated" date and may notify you via: sending an SMS message (if applicable); sending an email to the address associated with your account; or posting a notice on our website.

For material changes, we will provide prominent notice or seek your consent where required by law. Your use of the Site or the Services after such effective date will constitute acceptance by you of such changes. Your continued use of the Service or SMS services after changes indicates acceptance of the updated practices.

We encourage you to periodically review Billy Buster Capital's Privacy Policy for the latest information on our privacy practices.

16. Contact Us

For questions, requests, or concerns about this Privacy Policy, your Personal Data, or to exercise your privacy rights, please contact our Privacy Officer at:

Billy Buster Capital LLC

30 N Gould St Ste R

Sheridan, WY 82801

United States

Phone: +1 (877) 311-6003

Email: info@billybuster.com

We will respond to verifiable requests within the timeframe required by law (typically within 45 days for most requests).