Privacy Policy – Blueberry Funding

Introduction
B I Management, LLC, doing business as Blueberry Funding (“we,” “us,” or “our”), is a private mortgage lender and property management company based in Anchorage, Alaska. We originate and service short-term bridge and rehabilitation loans secured by real estate, manage residential rental properties, and work with private investors who fund our lending activities.

This Privacy Policy describes the types of personal information we collect, how we use and protect that information, and the circumstances under which we may share it. We are committed to handling personal information responsibly and transparently.

Information We Collect
We collect personal information necessary for loan origination, loan servicing, property management, and investment management. This may include:

From borrowers and loan applicants:

Name, mailing address, phone number, and email address
Employment and income information
Property details related to loan collateral
Financial information relevant to loan underwriting
Social Security Number, collected solely for tax reporting purposes (IRS Form 1098)
From investors:

Name, mailing address, phone number, and email address
Banking information for investment disbursements
Social Security Number or Tax Identification Number, collected solely for tax reporting purposes (IRS Form 1099-INT)
From tenants and rental applicants:

Name, mailing address, phone number, and email address
Employment and income information
Rental history and references
Information provided on rental applications
From general inquiries:

Name, phone number, and email address provided when you contact us
How We Use Your Information
We use personal information for the following purposes:

Evaluating and processing loan applications
Servicing and administering active loans
Evaluating rental applications and managing tenant relationships
Property management, maintenance coordination, and lease administration
Managing investor accounts and disbursements
Preparing and filing tax documents as required by the IRS
Communicating with you about your loan or investment
Maintaining accurate financial records
Complying with applicable laws and regulations
Third-Party Services
We use third-party accounting software (currently Intuit QuickBooks) for financial record-keeping, invoicing, and tax preparation. Information shared with these services is limited to what is necessary for accounting and tax compliance purposes. These providers maintain their own privacy policies governing the handling of data within their systems.

When We Share Information
We do not sell your personal information. We do not share your personal information with third parties for their marketing purposes.

We may share your information in limited circumstances:

Loan servicing partners: Title companies, escrow agents, insurance providers, and other parties directly involved in originating or servicing your loan
Property management: Maintenance vendors, utility providers, and other parties necessary for managing rental properties
Legal and regulatory compliance: When required by law, subpoena, court order, or government inquiry
Tax reporting: Filing required IRS forms (1098, 1099-INT) as mandated by federal tax law
Professional advisors: Our attorneys, accountants, or auditors as needed for business operations
With your consent: In any other situation where you have given us permission
Data Security
We take reasonable steps to protect personal information from unauthorized access, loss, or misuse. Our business records and document management systems are maintained primarily on local, on-premise systems under our direct control. We use commercially reasonable administrative, technical, and physical safeguards appropriate for the size and nature of our business.

No method of storage or transmission is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this policy, service your loan or investment, and comply with our legal and regulatory obligations. Loan and financial records are retained in accordance with applicable federal and state record-keeping requirements, which generally require retention for several years after a loan is paid off, a tenancy ends, or an investment relationship ends.

Your Rights and Choices
You may:

Request to review the personal information we hold about you
Ask us to correct inaccurate information
Ask questions about how your information is used
To exercise any of these rights, contact us using the information below. We will respond to reasonable requests in a timely manner. Please note that certain information may need to be retained for legal, tax, or regulatory compliance even after your request.

Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date at the top of this page. We encourage you to review this policy periodically. Continued engagement with our services after changes are posted constitutes acceptance of the updated policy.

B I Management, LLC

d/b/a Blueberry Funding

PO Box 110741

Anchorage, AK 99511

Email: team@blueberryfunding.com