Privacy Policy

Black Label Lenders
Effective Date: May 2026

1. Introduction

Black Label Lenders (“Company,” “we,” “us,” or “our”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy describes how we collect, use, share, and protect information when you visit our website, apply for financing or insurance, or otherwise interact with our services.

We provide financing and insurance solutions for individuals purchasing boats through dealers, brokers, or private parties, as well as services to marine dealerships and yacht brokers.

2. Information We Collect

We may collect the following categories of information:

A. Personal Information

  • Name, address, email, phone number

  • Date of birth

  • Social Security Number (SSN) or Tax Identification Number

  • Driver’s license or government-issued ID

B. Financial Information

  • Income, employment details

  • Credit history and credit scores

  • Bank account and asset information

  • Loan and transaction details

C. Insurance Information

  • Vessel details (type, value, usage)

  • Coverage preferences

  • Claims history (if applicable)

D. Technical Information

  • IP address

  • Browser type and device information

  • Website usage data via cookies and analytics tools

3. How We Use Your Information

We use your information to:

  • Process and underwrite loan and insurance applications

  • Verify identity and prevent fraud

  • Communicate with you regarding your application or account

  • Provide customer support

  • Improve our website and services

  • Comply with legal and regulatory obligations

4. How We Share Information

We may share your information with:

A. Financial and Insurance Partners

  • Lenders, banks, and financing institutions

  • Insurance carriers and underwriters

B. Service Providers

  • Credit bureaus

  • Payment processors

  • Technology and data hosting providers

C. Dealers and Brokers

  • Marine dealerships or yacht brokers involved in your transaction

D. Legal and Regulatory Authorities

  • When required to comply with laws, regulations, or legal processes

We do not sell your personal information in the traditional sense. However, certain data sharing may be considered “sharing” under applicable laws such as CCPA.

5. Your Privacy Rights

Depending on your state of residence, you may have the following rights:

A. Access and Disclosure

Request details about the personal information we collect and how it is used.

B. Correction

Request correction of inaccurate personal information.

C. Deletion

Request deletion of your personal data, subject to legal and contractual obligations.

D. Opt-Out of Sharing (California Residents)

Request to opt out of certain data sharing practices.

E. Non-Discrimination

We will not discriminate against you for exercising your privacy rights.

To exercise your rights, contact us at:
[Insert Email Address]

6. Data Security

We implement industry-standard administrative, technical, and physical safeguards to protect your information, including:

  • Encryption of sensitive data

  • Secure access controls

  • Ongoing monitoring for unauthorized access

Despite these measures, no system is 100% secure.

7. Data Retention

We retain your information as long as necessary to:

  • Fulfill the purposes outlined in this policy

  • Comply with legal, regulatory, and contractual obligations

  • Resolve disputes and enforce agreements

8. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to:

  • Enhance user experience

  • Analyze website performance

  • Support marketing efforts

You may adjust your browser settings to refuse cookies, though this may impact functionality.

9. 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.

10. Children’s Privacy

Our services are not intended for individuals under 18. We do not knowingly collect personal information from minors.

11. Compliance with Financial Privacy Laws (GLBA Notice)

As a financial services provider, we comply with the Gramm-Leach-Bliley Act (GLBA). We:

  • Protect nonpublic personal information

  • Provide disclosures regarding information-sharing practices

  • Limit sharing to permitted purposes under applicable law

12. Updates to This Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.

13. Contact Information

If you have questions or concerns about this Privacy Policy, please contact:

Black Label Lenders
1201 S. Bentsen Rd
904-742-3080
peter@blacklabellenders.com