Effective Date: January 31, 2025

Bags Enterprise LLC d/b/a Your Approved Solutions (“Your Approved Solutions,” “Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information we collect from you. This Privacy Policy describes how we collect, use, share, and protect your information when you visit our website or use our financial services.

By accessing our website, using our services, or providing personal information to us, you consent to the collection, use, and sharing of your information as described in this Privacy Policy. If you do not agree to these terms, please refrain from using our website or services.

1. Information We Collect

In order to provide financial services, enhance our offerings, and comply with legal obligations, we collect the following types of information:

1.1 Transaction and Account Information

If you use our financial products or services, we collect details related to your transactions, including payment and transaction history.

Information provided when you create an account or apply for financial services, such as your name, email, phone number, Social Security number, income details, and other financial data.

1.2 Device and Browsing Information

We automatically collect certain information when you visit our website, including your IP address, device type, operating system, browser type, referral source, and website interactions such as page views, session length, and navigation patterns.

We may use cookies and tracking technologies to improve user experience, track website analytics, and detect fraud.

1.3 Mobile App Data (If Applicable)

If we develop a mobile app, it may collect geolocation data for security features, fraud prevention, and alerts — but only with your explicit consent.

You may adjust location permissions in your device settings at any time.

2. How We Use Your Information

We use the information we collect for the following purposes:

To process financial transactions and manage customer accounts.

To verify your identity, evaluate your application, and determine eligibility for financial products.

To communicate with you regarding your account, application, or services.

To improve user experience, website functionality, and marketing effectiveness.

To prevent fraud, ensure security, and comply with legal requirements.

To send you marketing messages, promotions, and offers (you may opt out at any time).

2.1 How We Use SMS and Email Data

We use SMS and email communications to:

Confirm appointments or bookings

Follow up on inquiries and form submissions

Share updates on loan application status

Send relevant service notifications or alerts

We do not share SMS consent data with third parties for their marketing purposes. Data submitted via our forms is securely stored and only accessible to authorized staff for business purposes.

3. Tracking Technologies & Cookies

Your Approved Solutions and our service providers use cookies, web beacons, and other tracking technologies to analyze trends, manage our website, and gather user activity data. These tools help us:

Authenticate users and improve security

Understand user behavior and website engagement

Provide personalized content and targeted advertising

You can control cookie settings in your web browser. However, disabling cookies may impact your experience on our website.

4. Social Media Plugins & Third-Party Technologies

Our website includes social media plugins (e.g., Facebook, LinkedIn, Twitter). These plugins do not automatically collect data, but if you engage with them, the respective social networks’ privacy policies apply.

We also partner with third-party advertising and analytics providers who may collect browsing data to display relevant advertisements using cookies or similar technologies.

5. How We Share Your Information

Your Approved Solutions may share your information as follows:

5.1 Affiliates

We may share information among affiliated companies for business operations, analytics, or marketing purposes.

5.2 Lending Partners

If you apply for a loan, your information may be shared with our lending partners who process credit applications and financial transactions.

5.3 Service Providers

We engage third-party vendors for data storage, payment processing, fraud detection, and customer support. These providers only access data as needed.

5.4 Legal & Compliance Requirements

We may share information if required by law, court order, or regulatory agencies.
Information may also be shared to prevent fraud, investigate suspicious activity, or comply with financial regulations.

5.5 Referral Partners

If you were referred to Your Approved Solutions by another business, we may share certain details with that entity for tracking referrals and marketing purposes.

5.6 Aggregated & Anonymized Data

We may share anonymized data with partners for business research — ensuring no personally identifiable information is disclosed.

6. Data Security Measures

We implement industry-standard security measures to protect your personal data, including:

Encryption: Secure transmission of sensitive data via SSL

Restricted Access: Access limited based on job roles

Intrusion Prevention Systems: Protection from unauthorized access and cyber threats

Regular Security Audits: Ongoing assessments of security protocols

7. Your Privacy Choices & Rights

You can:

Opt-out of SMS communications by replying STOP

Opt-out of email communications via the unsubscribe link

Manage communication preferences by emailing [email protected]

For questions regarding SMS or email communications, contact us at (855) 705-8055 or [email protected].

7.1 Opting Out of Marketing Communications

You may opt out of marketing emails at any time by clicking the unsubscribe link or contacting support.

7.2 Do Not Track Signals

Your Approved Solutions does not respond to browser “Do Not Track” requests.

7.3 Data Access, Updates, and Deletion

You may request access to, correction of, or deletion of your personal information by emailing [email protected].

8. State-Specific Privacy Rights

8.1 California Residents (CCPA Notice)

Your rights include:

Right to Know

Right to Delete

Right to Opt-Out (we do not sell personal data)

Right to Non-Discrimination

To exercise these rights, email [email protected].

8.2 Vermont Residents

We do not disclose creditworthiness information to affiliates without your consent.

8.3 Nevada Residents

Request to join our Do Not Call List via [email protected] or (855) 705-8055.

9. Governing Law & Dispute Resolution

This Privacy Policy is governed by the laws of the State of Florida.

Any disputes shall be resolved through binding arbitration in Miami, Florida, under AAA rules. By using our services, you waive rights to a jury trial or class-action participation.

10. Changes to This Privacy Policy

Your Approved Solutions may update this Privacy Policy at any time. If significant changes occur, you will be notified via email or website announcements.

Continued use of our services signifies acceptance of the updated policy.

11. Contact Information

Bags Enterprise LLC d/b/a Your Approved Solutions

777 Brickell Ave, Suite 500 #1012
Miami, FL 33131
Email: [email protected]
Phone: (855) 705-8055
Website: https://yourapprovedsolutions.com