FORWARDREFI PRIVACY POLICY
Last Updated: July 1 2025
INTRODUCTION
Bayside Credit d/b/a ForwardRefi.com and ForwardRefi (“we,” “us,” “our,” or “the Company”) is committed to protecting your privacy and has established a comprehensive privacy framework that complies with applicable privacy laws, including the California Consumer Privacy Act. This Privacy Policy describes our practices regarding the collection, use, and protection of personal information obtained through our website at www.forwardrefi.com, mobile applications, and related services (collectively, the “Platform”).
By accessing or using our Platform, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. This policy governs our role as a data controller regarding personal information collected from users of our Platform and other business-related activities.
INFORMATION WE COLLECT
Important Notice: ForwardRefi does not sell your personal information to third parties.
Automatically Collected Information When you visit our Platform, we automatically collect certain technical information, including:
- Internet Protocol (IP) addresses and connection details
- Internet service provider information
- Device characteristics and usage patterns
- Browser type, version, and cookie data
- User interaction patterns and navigation behavior
- Geographic location and country of origin
- Operating system details and technical specifications
Mobile Application Data Our mobile applications may request access to device information such as:
- Device type and unique identifiers
- Location data (with your permission)
- Device settings and configuration
- App permissions and functionality access
You maintain control over location sharing and can modify permissions through your device settings at any time.
Information You Provide We collect personal information that you voluntarily submit, including:
- Contact details (name, address, phone number, email)
- Communications sent through our Platform
- Customer service interactions and correspondence
All submitted correspondence is retained to facilitate ongoing customer support and service delivery.
Third-Party Data Sources When you apply for services through our lending network, we may obtain additional information from:
- Credit reporting agencies (TransUnion, Experian, Equifax)
- Employment verification services
- Other verification sources as needed for application processing
HOW WE USE YOUR INFORMATION
We limit personal information collection and use to what is necessary for legitimate business purposes. By submitting an application, you consent to sharing your information with our lending partners, credit agencies, and other entities as required for processing.
Primary Uses Include:
- Providing and maintaining our refinancing services through our lending network
- Fulfilling contractual obligations for client services
- Communicating via email, phone, SMS, or mobile notifications regarding service updates, security alerts, and relevant information
- Sharing news, offers, and information about similar services (unless you opt out)
- Managing and responding to your inquiries and requests
INFORMATION SHARING PRACTICES
Service Providers & Business Partners We share information with trusted third parties who assist with:
- Platform monitoring and analytics
- Advertising and marketing support
- Customer communication and support services
- Business operations and maintenance
Corporate Transactions Personal information may be shared or transferred during:
- Mergers, acquisitions, or asset sales
- Business restructuring or financing activities
- Corporate ownership changes
Affiliated Companies We may share information within our corporate family, requiring all affiliates to honor this Privacy Policy.
Business Partners Strategic partners may receive information to offer relevant products, services, or promotions.
Legal & Regulatory Compliance We disclose information when required by law or to:
- Respond to legal proceedings, subpoenas, or court orders
- Enforce our terms and conditions
- Protect our rights, property, and safety
- Safeguard third-party or public interests
- Prevent illegal, unethical, or legally actionable activities
PERSONAL INFORMATION CATEGORIES
| Information Type | Collection Sources | Sharing Partners |
|---|---|---|
| Identity Information (names, addresses, phone numbers, email addresses, SSN, driver’s license numbers) | Direct collection, employment verification, credit bureaus, lead sources, affiliates, cloud hosting | Lending partners, credit bureaus, SMS services, cloud hosting providers |
| Customer Records (names, signatures, SSN, insurance policy numbers, employment details) | Direct collection, employment verification, credit bureaus, lead sources, cloud hosting | Lending partners, credit bureaus, SMS services, cloud hosting providers |
| Digital Tracking Data (cookies, beacons, pixel tags, mobile identifiers) | Cloud hosting providers | Analytics providers, advertising networks (see Cookie Policy for details) |
| Online Activity Data (website interactions, application usage, advertisement engagement) | Cloud hosting providers | Analytics providers, advertising networks |
| Employment Information (workplace details, income information) | Direct collection, employment verification, credit bureaus, lead sources, affiliates, cloud hosting | Lending partners, credit bureaus, SMS services, cloud hosting providers |
DATA SECURITY & RETENTION
Security Measures We implement comprehensive security protocols including:
- Encryption: All sensitive data is encrypted during transmission and storage
- Access Controls: Strict authentication and role-based access limitations
- Continuous Monitoring: Active threat detection and vulnerability management
- Compliance Standards: Adherence to SOC 2, GDPR, and industry best practices
Data Retention Personal information is retained for up to seven years or as legally required. We may retain data longer when necessary for legal compliance or to protect vital interests.
Security Inquiries For security-related questions or concerns, contact: info@forwardrefi.com
COOKIES & TRACKING TECHNOLOGIES
Our Platform uses cookies and similar technologies to enhance user experience and analyze usage patterns. Cookies may store various data types and help us personalize content, provide social media features, and analyze traffic.
Cookie Usage:
- Content personalization
- Social media integration
- Traffic analysis and optimization
- Advertising delivery (with opt-out options available)
We do not permit third-party collection of persistent tracking identifiers for marketing purposes across different sites and services.
Additional technologies may include web beacons, pixel tags, flash objects, location tracking, and third-party widgets to enhance your experience and enable social sharing.
EXTERNAL LINKS
Our Platform may contain links to third-party websites for your convenience. We are not responsible for the privacy practices of external sites. Please review each site’s privacy policy before providing personal information.
INTERNATIONAL DATA TRANSFERS
Personal information may be processed at our facilities and partner locations worldwide, potentially in jurisdictions with different data protection laws than your location.
CALIFORNIA CONSUMER PRIVACY ACT (CCPA) RIGHTS
California residents have specific privacy rights under the CCPA:
Your Rights Include:
- Notice: Clear information about data collection and use purposes
- Access: Request information about personal data collected in the past 12 months
- Correction: Request correction of inaccurate personal information
- Limitation: Direct us to limit use of sensitive personal information
- Opt-Out: Decline the sale of personal data (Note: ForwardRefi does not sell personal information)
- Deletion: Request deletion of personal data collected in the past 12 months
- Non-Discrimination: Exercise rights without facing discriminatory treatment
Exercising Your Rights:
- Email: info@forwardrefi.com
- Phone: 702-659-5259
We respond to initial requests within 10 business days and provide required information within 45 days (extendable by 45 days with notice).
CHILDREN’S PRIVACY
Our Platform is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. Users must be 18 or older to use our services. If we discover we have collected information from someone under 18, we will promptly delete it.
DO NOT TRACK SIGNALS
We do not currently respond to “Do Not Track” browser signals. However, you can configure your browser preferences to inform websites that you do not wish to be tracked.
POLICY UPDATES
We may update this Privacy Policy periodically. Changes will be posted on our Platform and mobile application with the revision date indicated. We encourage you to review this policy regularly for any updates.
MARKETING COMMUNICATIONS
We may use your information to send service updates, product information, and special offers. Third-party partners may help deliver customized advertising based on your Platform usage.
Opting Out:
- Click “Unsubscribe” in marketing emails
ACCESSING & UPDATING YOUR INFORMATION
To review or correct your personal information:
- Email: info@forwardrefi.com
- Phone: 702-659-5259
We will provide entitled information within a reasonable timeframe, subject to applicable legal exemptions. If you believe our information is incorrect or incomplete, please contact us promptly for correction.
CONTACT INFORMATION
For questions about this Privacy Policy:
- Phone: 702-659-5259
- Email: info@forwardrefi.com
This Privacy Policy governs your use of ForwardRefi’s services and supersedes any previous privacy statements.