Privacy Policy

Last updated: July 22, 2026

This Privacy Policy explains how Billings Pioneer ("Billings Pioneer", "we", "us", or "our"), operator of the website billingspioneer.com, collects, uses, discloses, and safeguards personal information about visitors and consumers who use our website and services (the "Services"). By using our Services, you agree to the practices described here.

1. Who we are

Billings Pioneer is a free consumer referral and comparison service operating in the United States. We are not a lender, bank, or broker of record. We connect consumers looking for personal loans with third-party lenders and lending partners in our network.

2. Information we collect

When you complete our loan request form, we collect the following categories of personal information:

• Identifiers: first and last name, email address, mobile phone number.
• Location: city, state, and ZIP code.
• Financial information: requested loan amount, loan purpose, employment status, annual income range, self-reported credit score range, and the name of your primary bank.
• Consent record: a copy of the disclosure and consent language you saw at the moment you submitted your request, together with the timestamp.
• Technical data: IP address, browser user agent, referring URL, and page interactions (via standard web logs and cookies).

We do not ask for full Social Security numbers, bank account numbers, routing numbers, debit or credit card numbers, or online banking credentials on this website. If any page ever asks you for those, do not enter them and contact us immediately.

3. How we use your information

• To match your request with lenders and lending partners who may be able to help you.
• To transmit your request to those lenders/partners so they can respond with options or contact you.
• To contact you by phone, SMS/text, or email about your request and related loan offers.
• To operate, secure, and improve our website and prevent fraud or abuse.
• To comply with legal obligations, respond to lawful requests, and enforce our Terms.

4. How we share your information

We share your information with:

• Lenders, lending partners, and marketing partners in our network so they can evaluate your request and present offers.
• Service providers that help us run our business (hosting, analytics, communications, fraud prevention) under contractual duties of confidentiality.
• Legal, safety, and compliance recipients when required by law, subpoena, or to protect our rights or the rights, safety, or property of others.
• Successors in the event of a merger, acquisition, financing, or sale of assets.

We do not sell your information to unrelated marketers for their own independent marketing without a lawful basis. Some sharing described above may be considered a "sale" or "sharing" of personal information under certain state laws; see the "Your rights" section below.

5. TCPA consent for calls and text messages

By submitting the form and clicking "See my options", you provide your express written consent to be contacted by Billings Pioneer and its lending and marketing partners at the phone number and email address you provided — including by automated telephone dialing systems, artificial or prerecorded voice, and SMS/MMS text messages — even if your phone number appears on a federal or state Do Not Call registry. Consent is not a condition of any purchase, loan, or service. Message and data rates may apply. You can opt out of texts at any time by replying STOP, and you can ask a caller to stop contacting you.

6. Cookies and analytics

We use cookies and similar technologies to keep the site working, remember your preferences, measure traffic, and detect fraud. You can control cookies through your browser settings; blocking some cookies may affect site functionality.

7. Your rights (state privacy laws)

Depending on your state of residence (including California, Colorado, Connecticut, Virginia, Utah, Texas, Oregon, and others), you may have rights to:

• Know what personal information we collect and how we use it.
• Request access to or a copy of your personal information.
• Request correction or deletion of your personal information.
• Opt out of the "sale" or "sharing" of your personal information, and of targeted advertising.
• Appeal a decision we make about your request.

To exercise these rights, use the online form on our Do Not Sell or Share My Personal Information page, or write to us at the mailing address in the "Contact us" section below. We will verify your request before honoring it and will not discriminate against you for exercising your rights.

8. Data retention

We retain lead records and consent logs for as long as necessary to provide the Services, meet our legal, tax, and regulatory obligations (including TCPA record-keeping), resolve disputes, and enforce our agreements. When no longer needed, we securely delete or de-identify the information.

9. Security

We use commercially reasonable administrative, technical, and physical safeguards, including TLS encryption in transit, to protect the information we hold. No system is 100% secure; you use the Services at your own risk.

10. Children

Our Services are intended for U.S. residents who are at least 18 years old. We do not knowingly collect personal information from anyone under 18. If you believe a child has provided us with information, contact us and we will delete it.

11. Changes to this Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top shows when it was last revised. Material changes will be highlighted on this page.

12. Contact us