These Terms govern your use of BankMinistry.com (the "Site"), operated by Viom Global Inc, a Delaware corporation with its registered office at 8 The Green, Suite 10231, Dover, DE 19901, USA ("Company", "we", "us", or "our"). This Privacy Policy explains what information we collect, how we use it, and the choices you have. By using the Site, you agree to this Policy.
1. Information We Collect
Information you provide
- Contact details (name, email, phone, ZIP code, state) you submit through quizzes, eligibility checkers, or contact forms.
- Loan-related information (loan amount, purpose, employment, income range, credit-score range).
- Account credentials if you register for a user account.
- TCPA consent records, including the consent text you accepted and a hashed version of your IP address.
Information collected automatically
- Device, browser, language, referrer URL, and pages viewed.
- UTM parameters and click identifiers used for attribution.
- Cookies, local storage, and similar technologies.
2. How We Use Your Information
- To match you with potential lenders, banks, or credit-card issuers ("Partners").
- To operate, secure, and improve the Site and its tools.
- To send transactional and, with consent, marketing communications.
- To comply with legal obligations including TCPA and state lending disclosure rules.
3. How We Share Your Information
We share information with:
- Lending Partners and affiliate networks when you submit a loan request or click a partner offer.
- Service providers (hosting, analytics, email, fraud prevention) under written contracts.
- Authorities when required by law, subpoena, or to protect rights and safety.
- A successor entity in a merger, acquisition, or sale of assets.
We do not sell your personal information for money.
4. Cookies and Tracking
We use first- and third-party cookies for analytics, attribution, and advertising (including Google AdSense and similar networks). You can control cookies through your browser settings. Disabling cookies may degrade Site features.
5. Your Rights (CCPA / CPRA, GDPR, and other US states)
Depending on your jurisdiction, you may have the right to:
- Know what personal information we hold about you.
- Request deletion or correction.
- Opt out of "sale" or "sharing" for cross-context behavioral advertising.
- Limit use of sensitive personal information.
- Withdraw consent for marketing at any time.
To exercise these rights, email privacy@bankministry.com. We will verify your request and respond within the timeframes required by law.
6. Data Security and Retention
We use reasonable administrative, technical, and physical safeguards. No system is 100% secure. We retain personal information as long as needed to provide services, comply with legal obligations, resolve disputes, and enforce agreements.
7. Children's Privacy
The Site is not directed to children under 18, and we do not knowingly collect their personal information.
8. Changes to This Policy
We may update this Policy from time to time. The "Last updated" date reflects the latest revision.
9. Contact
Questions? Email support@bankministry.com or visit our Contact page.
Viom Global Inc
8 The Green, Suite 10231, Dover, DE 19901, USA