Privacy Policy

When you submit our comparison form, we collect: • Loan type (general loan or mortgage) • BTC owned (approximate amount from slider) • Loan amount desired • Email address (optional — provided only if you want the comparison emailed to you and to receive rate-drop alerts, new-lender announcements, and our whitepapers) When you use our results page, we collect: • Filter selections you make (state, custody preference, etc.) • Sort selections you make • Lender rows you expand for detail • Lender links you click • Tooltips you open • Page views and timestamps When you separately subscribe to our mailing list or download a whitepaper from our Resources page, we record your email address and the source of the signup in a subscribers list that is kept separate from form submissions. If you choose to create an account, we collect: • Your email address, which we use to sign you in. Sign-in is passwordless: we email you a one-time link, so we never set or store a password. • The lenders you save to your watchlist • Your alert and email preferences • A link connecting your account to comparisons you previously ran on this device, so you can revisit them once signed in An account is entirely optional. The comparison form, rate tables, calculators, and lender links all work without one. An account holds only the items above; it never stores financial credentials, account numbers, income, Social Security numbers, or KYC documents. We also collect standard technical information: IP address, browser type, referrer URL, and UTM parameters from links you arrived through.

• To deliver the lender comparison you requested • Where you provided an email, to send the confirmation email containing your comparison and links to our whitepapers • Where you opted in to our mailing list, to email you when a lender we track lowers its rate or when we add a new lender, and to share our latest research • Where you create an account, to sign you in, save the lenders and preferences you choose, and let you revisit your past comparisons • To improve the site (which lenders are viewed, which content is helpful, which technical terms are unclear) • To respond to messages you send us • Where you've explicitly opted in (e.g., by replying "borrower" to the confirmation email), to follow up about your request Mailing-list and new-lender announcement emails are voluntary opt-in. Every marketing email includes a one-click unsubscribe link.

• We do not collect financial credentials, account numbers, or KYC documents • We do not collect phone numbers • We do not sell your personal information • We do not share your email address with lenders

We retain submissions and engagement data for as long as we operate the service, unless you request deletion. Aggregated analytics may be retained longer in non-identifying form. If you create an account, we keep your account data until you delete the account. You can delete your account at any time from your account page, which permanently removes your saved lenders, preferences, linked comparisons, and email from our lists.

You can request that we delete your submission and associated data by emailing michael@borrowonbitcoin.com. We will confirm and complete deletion within 30 days. If you have an account, you can also delete it and all associated data yourself, immediately, from your account page. California residents have additional rights under the California Consumer Privacy Act (CCPA); see the section below.

We use cookies and similar technologies for three purposes: session continuity (so you can return to your results page from the confirmation email), analytics, and advertising measurement. For analytics, we use Plausible Analytics (privacy-friendly, sets no cookies) and Google Analytics 4, loaded through Google Tag Manager, which sets first-party "_ga" and "_ga_*" cookies. For advertising, we run Google Ads conversion tracking to measure which campaigns lead to form submissions. It sets Google's first-party advertising cookies, primarily "_gcl_au" (the conversion linker, which stores ad-click information for up to 90 days). If ad personalization is enabled on a campaign, Google may set additional cookies to support remarketing. These analytics and advertising cookies load only after you consent. We use Google Consent Mode v2, which defaults to denying analytics storage, advertising storage, ad user data, and ad personalization until you make a choice in our cookie banner, where you can grant or decline. Strictly necessary session cookies are exempt and always set. We also honor Global Privacy Control (GPC) signals as an opt-out.

This site is not directed at children under 13 and we do not knowingly collect data from minors. If we learn we have collected personal information from a child under 13 without parental consent, we will delete that information.

California residents may request: (1) what personal information we have collected about them, (2) deletion of that information, (3) to opt out of any sale of that information (note: we do not sell personal information). We honor Global Privacy Control (GPC) signals as a valid opt-out request. Email michael@borrowonbitcoin.com to exercise these rights.

Residents of these states have the right to know what personal information we collect, to delete it, to correct it, and to opt out of its sale or use for targeted advertising. We do not sell personal information. We do run Google Ads, which may constitute targeted advertising; you can opt out by declining advertising cookies in our consent banner, and we honor Global Privacy Control (GPC) signals as a valid opt-out. Email michael@borrowonbitcoin.com to exercise these rights.

We may update this Privacy Policy. Material changes will be noted at the top of the page with a new "Last updated" date. Continued use of the site after an update constitutes acceptance.

Questions about this Privacy Policy: michael@borrowonbitcoin.com.