This Privacy Policy describes how BMG Money, Inc. ("BMG Money," "we," "us," or "our") collects, uses, shares, and protects your personal information when you visit bmgmoneyusa.com or apply for a BMG Money loan product.
1. Information We Collect
We collect information you provide directly to us and information collected automatically when you use our website.
Information You Provide
- Full legal name, date of birth, Social Security Number (SSN) or ITIN
- Contact information: email address, phone number, mailing address
- Employment information: employer name, agency, employment status, income
- Financial information: bank account details for loan disbursement and repayment
- Any other information you choose to provide in forms or correspondence
Information Collected Automatically
- IP address, browser type, device type, and operating system
- Pages visited, time spent on pages, and navigation patterns
- Cookies and similar tracking technologies (see Section 6)
- Referring website or source of traffic
2. How We Use Your Information
We use the information we collect to:
- Evaluate your loan application and make credit decisions
- Originate, service, and manage your loan
- Process payments and set up allotment or direct debit arrangements
- Communicate with you about your application or account
- Report payment activity to credit bureaus (Equifax, Experian, TransUnion)
- Comply with applicable laws, regulations, and legal obligations
- Prevent fraud and protect the security of our platform
- Improve our website, products, and customer experience
- Send you marketing communications, subject to your preferences (you may opt out at any time)
3. How We Share Your Information
BMG Money does not sell your personal information. We may share your information with:
- WebBank or BMG LoansAtWork, Inc. — as the issuing lender for your loan
- Credit bureaus — to report payment history and verify credit information
- Service providers — third parties who assist with payment processing, identity verification, fraud prevention, and technology infrastructure, subject to confidentiality agreements
- Your employer or payroll system — as necessary to establish allotment repayment
- Law enforcement or regulators — when required by law, subpoena, court order, or to protect our legal rights
- Successor entities — in connection with a merger, acquisition, or sale of substantially all of our assets
4. Your Rights and Choices
Depending on your state of residence, you may have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate personal information
- Request deletion of your personal information (subject to certain exceptions)
- Opt out of marketing communications (see below)
- File a complaint with your state attorney general or data protection authority
To exercise these rights or opt out of marketing emails, contact us at 1-800-316-8507 or through our Contact page.
California Residents: The California Consumer Privacy Act (CCPA) provides additional rights, including the right to know what categories of personal information we collect and the right to opt out of the "sale" of personal information. BMG Money does not sell personal information. For a full CCPA disclosure, please contact us directly.
5. Data Security
We implement industry-standard security measures to protect your personal information, including SSL/TLS encryption for data transmitted to and from our website, restricted access to personal information on a need-to-know basis, and regular security assessments of our systems. No transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.
6. Cookies and Tracking Technologies
Our website uses cookies — small data files stored on your device — to improve your browsing experience, analyze website traffic, and understand where visitors come from. Types of cookies we use include:
- Essential cookies: Required for the website to function (e.g., session management)
- Analytics cookies: Help us understand how visitors interact with our site (e.g., Google Analytics)
- Marketing cookies: Used to deliver relevant advertisements and measure campaign effectiveness
Most browsers allow you to refuse or delete cookies. Note that disabling cookies may affect website functionality.
7. Children's Privacy
BMG Money's services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us and we will promptly delete it.
8. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a revised "Last Updated" date. We encourage you to review this policy periodically.
9. Contact Us
If you have questions or concerns about this Privacy Policy or your personal information, please contact us: