Your privacy is critically important to Blue Mountain Loans.
Blue Mountain Loans (“Blue Mountain Loans”) operates the website www.bluemountainloans.com. It is Blue Mountain Loans’ policy to respect your privacy regarding any information we may collect while operating our website.
Like most website operators, Blue Mountain Loans. collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Blue Mountain Loans‘ purpose in collecting non-personally identifying information is to better understand how Blue Mountain Loans’ visitors use its website. From time to time, Blue Mountain Loans may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.
Blue Mountain Loans also collects potentially personally-identifying information like Internet Protocol (IP) addresses. Blue Mountain Loans does not use such information to identify its visitors, however, and does not disclose such information, other than under the same circumstances that it uses and discloses personally-identifying information, as described below.
Blue Mountain Loans will collect personal and financial information from you while you use the site, and most of this collection occurs during registration. This information will not be shared with others. Additional information may be gathered during your subsequent use of the site, whenever you choose to provide it.
Certain personal information must be supplied during the member, investor and borrower registration processes, as indicated below, in order to (a) enable registered users to login to the site, (b) determine borrowers’ eligibility for loans through our proprietary credit scoring process, (c) verify borrowers’ and investors’ identities, (d) establish borrowers’ ability to request loans and investors’ ability to invest by verifying that they are at least 18 years of age, and (e) guard against potential fraud. This basic personal information may include:
When you register as an Investor, Blue Mountain Loans will use this information to provide you the legal documents needed for your investment.
In addition, Blue Mountain Loans gathers names and email addresses of people who contact Blue Mountain Loans through Blue Mountain Loans’ site with questions about Blue Mountain Loans company or lending/borrowing operations. Blue Mountain Loans collects this information for the sole purpose of responding to such inquiries and does not store the contact information unless requested by these people, such as in the case of job applicants who submit resumes, etc.
Blue Mountain Loans will retain your information for as long as your account is active or as needed to provide you services. Blue Mountain Loans will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Blue Mountain Loans discloses potentially personally-identifying and personally-identifying information only to those employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Blue Mountain Loans behalf or to provide services available at Blue Mountain Loans’ websites, and (ii) that have agreed not to disclose it to others.
Blue Mountain Loans will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors, and affiliated organizations, as described above, Blue Mountain Loans discloses potentially personally-identifying and personally-identifying information only when required to do so by law, or when Blue Mountain Loans believes in good faith that disclosure is reasonably necessary to protect the property or rights of Blue Mountain Loans third parties or the public at large.
When you register on Blue Mountain Loans’ site you will receive emails that confirm specific actions you requested. You will receive notifications confirming your registration, the successful verification of email addresses and bank accounts, if required, and confirmation of successful submissions of loan requests and portfolios. You will also receive progress updates on the status of loan requests and submitted portfolios. These are transactional notifications that you cannot opt out of receiving, as they are in place to protect the security of your account and your personal information. Blue Mountain Loans may also send you responses to emails you send Blue Mountain Loans, if appropriate or applicable. From time to time, Blue Mountain Loans will also send user surveys, requests for user feedback regarding user experience and site operations or marketing offers from Blue Mountain Loans. or from Blue Mountain Loans 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 Blue Mountain Loans.
If you are a registered user of an Blue Mountain Loans website and have supplied your email address, Blue Mountain Loans may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with Blue Mountain Loans.
If you send Blue Mountain Loans a request (for example via a support email or via one of our feedback mechanisms), Blue Mountain Loans reserves the right to publish it in order to help Blue Mountain Loans clarify or respond to your request or to help Blue Mountain Loans support other users.
Blue Mountain Loans takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. ABlue Mountain Loans uses cookies to help Blue Mountain Loans identify and track visitors, their usage of Blue Mountain Loans website, and their website access preferences. Blue Mountain Loans visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Blue Mountain Loans’ websites, with the drawback that certain features of Blue Mountain Loans’ websites may not function properly without the aid of cookies.
Ads appearing on any of Blue Mountain Loans’ websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Blue Mountain Loans and does not cover the use of cookies by any advertisers.
Blue Mountain Loans is not responsible for the information practices employed by sites linked to or from our website. In most cases, links to non-Blue Mountain Loans websites are provided solely as an access point to obtain information on products and topics that may be useful to the users of Blue Mountain Loans’ website. Third party websites may have different privacy policies and/or security standards governing their sites.
Information is shared with other parties in the following ways:
For privacy purposes, borrowers and investors remain anonymous on the site and are identified only by their chosen screen names. Borrowers will be able to see the screen names of their investors and vice versa. However, borrowers have public profiles and loan listings on the site that display their information to any users who view these pages. The loan listing pages include borrowers’ credit grades and other financial information that is shown to qualified investors so that they can effectively evaluate loan requests. As noted above, this information is also contained anonymously in loan data files available on the statistics page. Loan listings also contain certain personal information and purposes for which the loan will be used, as designated by borrowers. Investors also have public profiles on the site containing personal information that they have opted to include. Finally, members creating blog/forum posts are also identified by their screen names.
To protect borrowers’ and investors’ privacy, however, the blog/forum posts do not track back to loan listings or loan funding decisions, respectively. Blue Mountain Loans is not responsible for any personal information that borrowers or investors may choose to reveal about themselves in their screen names, loan requests, blogs, or public profiles or blog/forum posts. Given the community nature of any person-to-person transaction site, however, it may be in the best interests of borrowers and investors to share some level of personal information in order to achieve a satisfactory outcome (i.e., it may be necessary for you to share a certain amount of personal information in order for your loan to receive full funding).
If you use any blog on Blue Mountain Loans’ site, you should be aware that any personal information you submit there can be read, collected, or used by other users of this forum, and could be used to send you unsolicited messages. Blue Mountain Loans is not responsible for the personal information you choose to submit in this forum. To request removal of your personal information from our blog, contact us at service@bluemountainloans.com.
Blue Mountain Loans may share your information with law enforcement or other government agencies as required by law or for the purposes of limiting fraud. We reserve the right to disclose your personal information when Blue Mountain Loans believes that disclosure is necessary to protect Blue Mountain Loans’ rights and/or to comply with a judicial proceeding, court order, or legal process served on Blue Mountain Loans’ website.
Blue Mountain Loans works with a number of trusted partners that perform vital functions as part of our operations, including credit bureaus, collection agencies, electronic payment service providers, and customer support call centers. Information is shared with these third parties only to the extent necessary for Blue Mountain Loans to process the transactions you initiate or perform other specific services, like collections. Blue Mountain Loans’ partners are legally required to keep your information private and secure.
Blue Mountain Loans will send you email notifications from time to time, and these are required elements of your transactions on our web site, such as confirmations of particular actions you have taken. These required notices are sent typically to notify you of a change in status such as when you are confirmed as a borrower or investor, or 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 or site policies. Generally, you may not opt out of these service related emails.
You can access all of your personal information that Blue Mountain Loans collects online and maintain by visiting your profile in the My Account section of Blue Mountain Loans’ site. This section of the site is password-protected to better safeguard your information. As a registered user, you can update your password, email address, physical address, phone number, and bank account information at any time on the website, and if you need to change any other information in your profile you can contact Blue Mountain Loans at service@bluemountainloans.com. To protect your privacy and security, please contact Blue Mountain Loans at service@bluemountainloans.com to make changes to your sensitive account information.
As is true of most websites, Blue Mountain Loans gathers certain information automatically and stores it in log files. As is true of most websites, Blue Mountain Loans gathers certain information automatically and stores it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.
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 Blue Mountain Loans to maintain and report demographic information on the collective activities of our membership. Blue Mountain Loans 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 record keeping, reporting, and audits.
Although most changes are likely to be minor, Blue Mountain Loans may change its Privacy Policy from time to time, and in Blue Mountain Loans’ sole discretion. Blue Mountain Loans encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have an Blue Mountain Loans account, you should also check your blog’s dashboard for alerts to these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.
Blue Mountain Loans is a brand of Loan Spot, a wholly owned subsidiary of Kashia Services, a wholly owned economic arm and instrumentality of the Kashia Band of Pomo Indians of the Stewarts Point Rancheria, a sovereign federally recognized Indian tribe located in the United States. Loan Spot is licensed by the Kashia Lending Commission and its operations are subject to federal and Tribal consumer financial protection laws.
Blue Mountain Loans installment loans are not available to residents of all states and state availability may change from time to time without notice. Currently, residents of Arkansas, Connecticut, Massachusetts, Maryland, New York, Pennsylvania, Vermont, Virginia, District of Columbia and West Virginia are not eligible to receive a loan from Blue Mountain Loans.
Loans that are approved and accepted by 6 p.m. Pacific Time Monday - Friday, excluding bank holidays, for funding to a debit card, may be funded as soon as the same day. Loans that are approved and accepted, after 6 p.m. Pacific Time Monday-Friday, excluding bank holidays, as well as all loans approved and accepted for funding via ACH, are typically funded the following business day. Note that errors in your application, particularly with bank routing and account numbers, may impact our ability to fund and cause delays. In some cases, a customer service representative may contact you to verify your information before we can finalize and approve your loan. The maximum loan amount for your initial loan is $1,200. Not everyone will be eligible for, or approved for the maximum loan amount. We provide complete disclosures of APR, fees and payment terms in your consumer Loan Agreement.
You acknowledge that by completing and submitting a website application that you are applying for a Loan. We verify applicant information through national databases such as, but not limited to, Clarity, Experian, TransUnion, FactorTrust, DataX, and Equifax and we may pull your credit in order to determine your eligibility and ability to repay.
PLEASE NOTE: This is a very expensive form of borrowing. Blue Mountain Loans installment loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long-term financial solution. Blue Mountain Loans does not charge prepayment penalties. Prompt repayment of your loan will reduce the overall cost associated with borrowing and is strongly recommended.
By providing a phone number and checking the box on the “Get Started” form, you are consenting to be contacted by SMS text message from Blue Mountain Loans. Consent to message is not required to utilize Blue Mountain Loans services. Message frequency may vary. Message & data rates may apply. Reply STOP to opt-out of further messaging. Reply HELP for more information. See our Privacy Policy and Terms of Service.