Introduction

BH Youm youm LLC ("we," "our," or "us") is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect information when you use our website, services, or communicate with us.

By using our services or providing us with your information, you consent to the practices described in this Privacy Policy.

Information We Collect

Personal Information

We may collect the following types of personal information:

  • Name, email address, and contact information
  • Business name, address, and tax identification number
  • Financial information (bank statements, credit reports, revenue data)
  • Phone number (if you choose to provide it)
  • Information you provide in forms, applications, or communications

Automatically Collected Information

When you visit our website, we may automatically collect:

  • IP address and device information
  • Browser type and operating system
  • Pages visited and time spent on our site
  • Referring website or source
  • Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect for the following purposes:

  • Processing and evaluating funding applications
  • Communicating with you about our services and your account
  • Complying with legal and regulatory requirements
  • Preventing fraud and ensuring security
  • Improving our website and services
  • Sending marketing communications (with your consent)
  • Analyzing usage patterns and trends

SMS & Text Message Communications

Important SMS Terms:

If you opt in to receive text messages from BH Youm youm LLC, the following terms apply:

  • Consent: By providing your mobile phone number and opting in, you consent to receive text messages from BH Youm youm LLC regarding your funding application, account updates, and promotional offers. We may use an automatic telephone dialing system (ATDS) to send these messages.
  • Message Frequency: Message frequency may vary depending on your account activity and our communications.
  • Message and Data Rates: Message and data rates may apply based on your mobile carrier's plan.
  • Opt-Out: You may opt out of receiving text messages at any time by replying STOP to any message. You will receive a confirmation message upon opt-out.
  • Help: For assistance, reply HELP or contact us at shella@bhyoum.com.
  • Not Required: Consent to receive text messages is NOT a condition of purchase or service.

Supported carriers include major U.S. carriers. We do not charge for text messages, but your carrier's standard rates may apply.

Information Sharing and Disclosure

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

Service Providers

We may share information with trusted third-party service providers who assist us in operating our business, such as:

  • Payment processors and banking partners
  • Credit bureaus and verification services
  • IT and security providers
  • Marketing and analytics services

These providers are contractually obligated to protect your information and use it only for the purposes we specify.

Legal Requirements

We may disclose your information if required by law, regulation, legal process, or governmental request, or to:

  • Comply with legal obligations or respond to subpoenas
  • Protect our rights, property, or safety
  • Prevent fraud or investigate security issues
  • Enforce our Terms & Conditions

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

  • Encryption of sensitive data in transit and at rest
  • Secure servers and firewalls
  • Regular security audits and vulnerability assessments
  • Restricted access to personal information

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Your Rights and Choices

Access and Correction

You have the right to access and update your personal information. Contact us at shella@bhyoum.com to request access or corrections.

Marketing Communications

You may opt out of receiving marketing emails by clicking the "unsubscribe" link in any email or contacting us directly. Even if you opt out of marketing, we may still send you transactional or account-related messages.

Cookies

Most web browsers allow you to control cookies through settings. You may disable cookies, but this may limit your ability to use certain features of our website.

Do Not Track

Our website does not currently respond to "Do Not Track" signals from browsers.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce agreements. When information is no longer needed, we securely delete or anonymize it.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies before providing any information.

California Privacy Rights

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

  • The right to know what personal information we collect, use, and disclose
  • The right to request deletion of your personal information
  • The right to opt out of the sale of your personal information (we do not sell personal information)
  • The right to non-discrimination for exercising your privacy rights

To exercise these rights, contact us at shella@bhyoum.com.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically.

Contact Us

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

BH Youm youm LLC
11 Library CT
Bayonne, NJ 07002
Email: shella@bhyoum.com