Beehive Loans Privacy Policy
Effective Date: 2/3/26
At Beehive Loans (“Beehive,” “we,” “us,” “our”), your privacy is important to us. This Privacy Policy explains what information we collect, how we use it, how we may share or sell it, and what rights you have under federal and state law. By applying for a loan, visiting our website, or using our services, you agree to this Privacy Policy.
1. Information We Collect
To process your application, service your loan, protect against fraud, and comply with law, we collect the following categories of information:
A. Personal Information
- Name
- Address
- Phone number
- Date of birth
- Social Security number
- Government-issued ID details
B. Financial & Employment Information
- Bank account details (account ownership, account numbers, routing numbers, balances, and transaction history)
- Income, employment status, employer information, pay frequency
- Employment history and pay stubs
- Prior loan history and payment records
C. Information from Third-Party Services
We work with financial-data and verification companies such as Plaid, Truv, Argyle, Didit, iSoftPull, and similar providers. With your authorization, these providers may supply us with:
- Bank account identity verification
- Account balances
- Transaction history
- Login verification results (including MFA checks)
- Payroll and employment information
- Consumer reports and credit file information
- Identity, fraud, and compliance-related data
D. Website, Device & Behavioral Data
- IP address
- Device information
- Browser type
- Cookies and tracking information
Interaction logs and activity on our website
2. How We Use Your Information
We use your information to:
- Process and evaluate loan applications
- Verify identity, employment, and bank account information
- Assess creditworthiness and risk
- Detect and prevent fraud
- Service and collect your loan
- Comply with state and federal laws
- Provide customer support
- Improve operations, website performance, and underwriting models
- Send loan updates, notices, and marketing communications (with opt-out options)
3. How We Share or Sell Information
We may share or sell certain categories of information with third parties for business, marketing, or lead-generation purposes.
We may share or sell:
- Your name
- Contact information (email, address, phone number)
- Application details
- Employment and income information
- Behavioral/interaction data
- Loan inquiry information
We do NOT sell or share:
- Your Social Security number
- Bank login credentials
- Bank account numbers
- Credit report data
- Identity document images or biometric data
We may share or sell information with:
- Marketing partners and lead providers
- Non-affiliated financial-services companies
- Affiliates and related business entities
- Data and analytics partners
- Fraud and identity verification vendors
- Payment processors and operational service providers
- Regulators and law enforcement, if required
- All sharing complies with the Gramm-Leach-Bliley Act (GLBA), FTC rules, and Utah state law.
4. Your Federal & State Privacy Rights (GLBA Notice)
You may opt out of:
- Selling or sharing your personal information with non-affiliated third parties for marketing or lead-generation
- Sharing certain creditworthiness information with affiliates
- Receiving marketing communications
You cannot opt out of:
- Sharing information needed to process or service your loan
- Fraud prevention or identity verification
- Legal or regulatory reporting
- Sharing with service providers who assist with operations
- Account servicing or collection activities
How to Opt Out
Email: [email protected]
Phone: 385-246-3976
Mail:
Beehive Loans
7533 S Center View Ct Ste R
West Jordan, UT 84084
We will limit sharing or selling of your information as permitted by law after receiving your request.
5. How We Protect Your Information
We use administrative, technical, and physical safeguards including:
- Encryption and secure servers
- Access controls for authorized employees only
- Fraud monitoring and system auditing
- Vendor security assessments
No system is completely free of risk, but we take reasonable precautions to protect your data.
6. Your Rights & Choices
You may request:
- Access to the information we have about you
- Corrections to inaccurate information
- Deletion of certain personal data (unless legally required to retain)
- Opt-out from marketing or certain types of data sharing
Data Retention
We retain loan and transaction information for at least 5 years, or longer if required by law.
7. Cookies & Tracking Technologies
We use cookies, pixels, and similar technologies to support:
- Site functionality
- Security and fraud detection
- Analytics
- Advertising and remarketing
You may adjust cookie preferences through your browser settings.
8. Changes to This Privacy Policy
We may update this Privacy Policy at any time. If material changes occur, we may notify you via email, SMS, or through a website notice.
9. Contact Us
Beehive Loans
5383 S 900 E #202, Salt Lake City, UT 84117
Phone: 385-246-3976
Email: [email protected]
10. Acceptance of Changes
By continuing to use our website, submitting a loan application, or using our services after any updated Privacy Policy is posted, you acknowledge and agree to the revised terms whether or not you have reviewed them.
Your continued use of our services after updates constitutes your acceptance of the revised Privacy Policy.