Privacy Policy

1. Introduction

Lazarus LLC, a Wyoming limited liability company (“BuilderRates,” “we,” “us,” or “our”), operates this website and related introduction and marketing services for real estate investors seeking financing introductions. This Privacy Policy describes how we collect, use, disclose, and otherwise process personal information in connection with our websites, forms, email communications, and offline business activities that reference this Policy (collectively, the “Services”).

By using the Services or submitting information to us, you acknowledge that you have read this Privacy Policy. If you do not agree, please do not use the Services.

2. Scope

This Policy applies to personal information we process as a business. It does not apply to information that cannot reasonably identify you, or to third-party websites or services that we do not control. Our principal executive office is located at 30 N Gould, Sheridan, WY 82801.

3. Information we collect

We collect information that you provide directly, information collected automatically when you use the Services, and information from third parties as described below.

3.1 Information you provide

We may collect identifiers and contact details (such as name, email address, telephone number, company name, and professional role), deal-related information you choose to share (such as property type, location, loan purpose, and approximate deal size), communications you send to us, and any other information you submit through forms, email, or telephone.

3.2 Information collected automatically

We and our service providers may collect device and usage data such as IP address, browser type, operating system, referring URLs, pages viewed, and timestamps. We may use cookies, pixels, and similar technologies as described in our Cookie Policy.

3.3 Information from third parties

We may receive information from analytics providers, advertising networks, data partners, and from lenders or professional contacts when they refer matters to us or respond to introductions, subject to their policies and any agreements between you and those parties.

4. How we use information

We use personal information to operate and improve the Services; to evaluate and facilitate introductions to institutional lenders and partners in our network; to communicate with you about your requests; to send administrative and service-related messages; to analyze usage and performance; to detect, prevent, and address fraud, abuse, or security issues; to comply with law and enforce our terms; and for other purposes described at collection or with your consent where required.

5. How we disclose information

We may disclose personal information to lenders, brokers, and other capital partners when you request or authorize an introduction or when reasonably necessary to evaluate fit. We may disclose information to service providers that host our website, deliver email, provide analytics, or support our operations under contractual confidentiality and security obligations. We may disclose information as required by law, legal process, or governmental request, or to protect rights, safety, and security. In connection with a merger, acquisition, financing, or sale of assets, personal information may be transferred subject to appropriate safeguards. We do not sell personal information for monetary consideration as that term is commonly understood in California privacy law.

6. Your choices

You may opt out of marketing emails by following unsubscribe instructions. You may control cookies through your browser settings. Depending on your location, you may have additional rights as described below.

7. California privacy rights

If you are a California resident, the California Consumer Privacy Act as amended (“CCPA”) may grant you the right to know, delete, and correct certain personal information, and to opt out of certain sharing of personal information for cross-context behavioral advertising where applicable. You may submit a request by emailing hello@builderrates.com with the subject line “California Privacy Request.” We will verify your request in accordance with applicable law and respond within the timeframes required by law. You may designate an authorized agent to submit a request on your behalf with written permission. We will not discriminate against you for exercising these rights.

8. Other U.S. states

Residents of certain states may have additional privacy rights under applicable state law. If you believe you are covered by such a law, contact us at hello@builderrates.com and we will respond consistent with applicable requirements.

9. Security

We implement administrative, technical, and organizational measures designed to protect personal information. No method of transmission or storage is completely secure; we cannot guarantee absolute security.

10. Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Policy, unless a longer period is required or permitted by law. Criteria used to determine retention include the nature of the information, the purposes for which it is processed, and legal or regulatory obligations.

11. Children

The Services are not directed to children under 16, and we do not knowingly collect personal information from children. If you believe we have collected information from a child, contact us and we will take appropriate steps to delete it.

12. International users

We operate in the United States. If you access the Services from outside the United States, you consent to the transfer and processing of your information in the United States, which may have different data protection rules than your jurisdiction.

13. Changes to this Policy

We may update this Privacy Policy from time to time. We will post the revised version on this page and update the “Last updated” date. Material changes may be communicated through the Services or by email where appropriate. Your continued use of the Services after the effective date constitutes your acceptance of the revised Policy.

14. Contact

For privacy questions or requests, contact Lazarus LLC at hello@builderrates.com or 30 N Gould, Sheridan, WY 82801, telephone +1 (307) 555-0142.