Last Updated: January 24, 2026

1. Introduction

BTN Lending ("we," "our," or "us") operates the BTN Lending mobile application (the "App"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our App.

Please read this Privacy Policy carefully. By using the App, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the App.

2. Information We Collect

2.1 Personal Information You Provide

When you create an account with BTN Lending, we collect the following information that you voluntarily provide:

• First Name - Used to personalize your experience and communicate with you
• Last Name - Used to identify your account and personalize communications
• Email Address - Used for account authentication, password recovery, and important communications about your account
• Password - Securely encrypted and used solely for account authentication

2.2 Automatically Collected Information

When you use the App, we may automatically collect certain information, including:

• Device information (device type, operating system version)
• App usage data and analytics
• Crash reports and error logs for improving App stability

3. How We Use Your Information

We use the information we collect for the following purposes:

• To create and manage your user account
• To authenticate your identity when you log in
• To enable password recovery and account security features
• To communicate with you about your account
• To improve and optimize the App's functionality and user experience
• To diagnose and fix technical issues
• To comply with legal obligations

4. How We Store and Protect Your Information

We use Firebase, a Google Cloud Platform service, to securely store and manage your account data. Firebase implements industry-standard security measures including:

• Encryption of data in transit using TLS/SSL
• Encryption of data at rest
• Secure authentication protocols
• Regular security audits and updates

Your password is never stored in plain text; it is securely hashed using industry-standard cryptographic algorithms.

5. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: We use Firebase (Google) for authentication and data storage. These services are bound by their own privacy policies and data protection obligations.
• Legal Requirements: We may disclose your information if required by law, court order, or governmental authority.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

6. Third-Party Services

Our App uses the following third-party services:

• Firebase Authentication: For secure user account management
• Firebase Firestore: For secure data storage

These services have their own privacy policies governing the use of your information. We encourage you to review Google's Privacy Policy at https://policies.google.com/privacy.

7. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: You can access your account information through the App
• Update: You can update your account information at any time through the App
• Delete: You can request deletion of your account and associated data by contacting us at braden@btnlending.com
• Password Reset: You can reset your password at any time through the App

8. Children's Privacy

The App is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly.

9. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. If you request account deletion, we will delete your personal information within a reasonable timeframe, except where we are required to retain it for legal or regulatory purposes.

10. Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

12. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect about you
• The right to request deletion of your personal information
• The right to opt-out of the sale of personal information (note: we do not sell your personal information)
• The right to non-discrimination for exercising your privacy rights

13. International Users

If you are accessing the App from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located. By using the App, you consent to the transfer of your information to the United States.

14. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at:

BTN Lending
Email: braden@btnlending.com
Phone: 801-631-8205