Privacy Policy

Last updated: October 8, 2026

BL1, LLC, doing business as Build Lending (“Build Lending,” “we,” “us,” and “our”), respects your privacy. This Privacy Policy explains what personal information we collect, how we use it, who we share it with, and the choices you have. It applies to our website at buildlending.com, including its forms, calculators, and online portals; to our phone, email, and text message (SMS) communications with you; and to the business-purpose real estate financing services we provide to investors, builders, developers, brokers, and referral partners (together, the “Services”).

By using our website or Services, you acknowledge that you have read this Privacy Policy. If you do not agree with it, please do not use our website or Services.

1. Information we collect

We collect information you give us directly, information collected automatically when you use our website, and information we receive from third parties.

Information you provide to us

• Contact information: name, email address, phone number (including mobile number), mailing address, state, job title, and company name.
• Property and deal information: property address, purchase or offer price, rehab or construction budget, after-repaired value, current property value, existing loan balances, requested loan amount, loan product of interest, timeline, and any notes you share about your project.
• Experience and business information: number of properties flipped, built, or owned; value of your real estate portfolio; and, for brokers and referral partners, company size and origination volume.
• Account information: if you create a portal account, your email address and password. Passwords are stored by our portal provider in encrypted (hashed) form, and we cannot see them.
• Application and underwriting information: if you apply for financing, information needed to evaluate your request, which may include entity documents, financial statements, bank statements, credit information, date of birth, Social Security number, government-issued identification, and property documents such as purchase contracts, budgets, and appraisals.
• Communications: the content of emails, phone calls, text messages, and other messages you exchange with us, and records of your communication preferences and consents.

Information collected automatically

When you visit our website, we and our service providers may automatically collect your IP address, browser and device type, operating system, pages viewed, links clicked, the date and time of your visit, the page that referred you to us, and campaign information included in links (such as UTM tags). We collect this information using cookies and similar technologies, described in Section 5.

Information from third parties

We may receive information about you from credit reporting agencies, public records, title and appraisal providers, lenders and capital partners, and brokers or referral partners who submit a request on your behalf. Our website also uses Google Maps services to help you look up and confirm property addresses and to display images of a property.

2. How we use your information

We use the information we collect to:

• Respond to your inquiries, quote requests, and calculator submissions, and provide the estimates, information, and Services you request.
• Evaluate, structure, process, close, and fund your loan request, including verifying your identity and assessing credit, experience, and property information.
• Create and manage your borrower or referral partner portal account.
• Communicate with you by email, phone, and text message about your inquiry, application, loan, or account, as described in Section 4.
• Send you information about our loan programs, events, and educational content, where you have agreed to receive it. You can opt out at any time.
• Operate, secure, and improve our website and Services, including preventing spam, fraud, and unauthorized access.
• Understand how visitors use our website and measure the effectiveness of our marketing.
• Comply with applicable laws, regulations, and legal process, and enforce our agreements and protect our rights.
• For any other purpose we describe when you provide the information, or with your consent.

3. How we share your information

We do not sell your personal information. We share personal information only as described below and as needed to provide the Services you request:

• Lenders and capital partners: lenders, investors, and capital partners that evaluate, fund, purchase, or service your loan.
• Transaction and due diligence providers: title and escrow companies, appraisers, inspectors, construction draw inspectors, insurance providers, attorneys, and similar parties involved in your transaction.
• Brokers and referral partners: the broker or referral partner involved in your specific transaction, if any.
• Service providers: companies that perform services for us under confidentiality obligations, such as website hosting, form processing, email delivery, telephone and text messaging platforms, mapping and address lookup, customer relationship management and portal software, security and anti-spam tools, and analytics. Service providers may use your information only to provide services to us.
• Legal and safety: government agencies, regulators, courts, or other parties when we believe disclosure is required by law, regulation, or legal process, or is necessary to prevent fraud, protect the rights, property, or safety of Build Lending, our clients, or others, or enforce our agreements.
• Business transfers: a buyer or successor in connection with a merger, acquisition, financing, reorganization, or sale of all or part of our business, subject to this Privacy Policy.
• With your consent: other parties when you direct or authorize us to share your information.

We may share aggregated or de-identified information that cannot reasonably be used to identify you without restriction.

None of the sharing described above includes text messaging originator opt-in data or SMS consent. That information will not be shared with any third parties or affiliates.

4. Text messaging (SMS)

How you consent

We send text messages only to people who have agreed to receive them, for example by providing your mobile number on a form at buildlending.com that includes our text message consent language and submitting it, or by giving us written or verbal permission while working with our team. Consent to receive text messages is not a condition of applying for, obtaining, or purchasing any loan, product, or service.

Messages you may receive

Depending on what you agreed to, messages may include responses to your inquiry, requests for documents or information, loan status and closing updates, construction draw updates, call and appointment scheduling, account notifications, and, if you separately opted in, occasional information about our loan programs. Message frequency varies. Message and data rates may apply.

Opting out and getting help

• To stop: reply STOP to any message. You will receive one confirmation message, and we will not send further texts unless you opt in again.
• For help: reply HELP, or email loans@buildlending.com.
• You may also opt out by contacting us using the information in Section 13.

Wireless carriers are not liable for delayed or undelivered messages.

Information collected through SMS

When you use our text messaging program, we collect your mobile phone number, the content of messages you send us, message delivery information, and a record of your consent, including the date, time, and source of your opt-in. We use this information to send you the messages you requested, respond to you, keep accurate records of your consent and opt-out choices, and comply with applicable law.

SMS consent is never shared

SMS consent is not shared with third parties or affiliates. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information may be shared with subcontractors that support our services, such as the telecommunications and customer service providers that operate our messaging platform, solely to deliver messages on our behalf. All other sharing categories in this Privacy Policy exclude text messaging originator opt-in data and consent, and this information will not be shared with any third parties.

5. Cookies and similar technologies

Our website uses cookies, pixels, local and session storage, and similar technologies to keep the site working (for example, carrying your calculator inputs to the results page), remember your preferences, prevent spam and abuse, and understand how visitors use the site. Some of these technologies are provided by third parties, such as Google, whose use of the information is governed by their own privacy policies.

You can set your browser to refuse or delete cookies. If you do, some parts of our website may not work properly. Our website does not currently respond to browser “Do Not Track” signals.

6. Your choices

• Email: click the unsubscribe link in any marketing email, or contact us. We may still send you messages about an active inquiry, application, loan, or account.
• Text messages: reply STOP to any text, as described in Section 4.
• Phone calls: ask us at any time to stop calling you, and we will add your number to our internal do-not-call list.
• Cookies: adjust your browser settings, as described in Section 5.
• Your information: contact us to request access to, correction of, or deletion of your personal information. If you have a portal account, you can also update some information in your account profile.

7. Your state privacy rights

Depending on where you live, including California and Colorado, you may have rights under state law to request access to, correction of, or deletion of your personal information, to receive a copy of it, and to opt out of certain uses, such as targeted advertising. To make a request, contact us using the information in Section 13. We will verify your identity before responding and will respond within the time required by applicable law. Some information may be exempt from these rights, for example where we must keep it to comply with law or complete a transaction. We will not discriminate against you for exercising your privacy rights.

8. Data security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from loss, misuse, and unauthorized access, use, alteration, and disclosure. No method of transmitting or storing information over the internet is completely secure, so we cannot guarantee absolute security. If you have a portal account, you are responsible for keeping your password confidential. Please do not send Social Security numbers or other sensitive financial information through our general website forms or by text message; we will provide a secure method when that information is needed.

9. Data retention

We keep personal information for as long as needed to provide the Services, maintain business records, resolve disputes, enforce our agreements, and meet legal, regulatory, and tax requirements. We keep records of your communication consents and opt-outs for as long as needed to honor your choices and demonstrate compliance.

10. Minors

Our website and Services are not intended for anyone under 18 years of age, and we do not knowingly collect personal information from minors. If we learn that we have collected personal information from a minor, we will delete it. If you believe we may have information from or about a minor, please contact us.

11. Third-party websites

Our website may link to websites, services, and applications operated by others. This Privacy Policy does not apply to them, and we are not responsible for their privacy practices. Please review their privacy policies before providing them with information.

12. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will post the updated policy on this page and change the “Last updated” date at the top. If we make material changes to how we use or share personal information, we will provide additional notice, such as a notice on our website or an email to you. Changes will not reduce the protections described for your SMS consent without your agreement.

13. Contact us

If you have questions about this Privacy Policy or want to exercise your privacy choices, contact us: