Effective Date: Monday, 21st September, 2026
At B.O.M.B. — Black Ownership Means Brilliance — we respect your privacy and believe you should understand how information is collected and used when you visit WhyBOMB.com.
This Privacy Policy explains the types of information we collect, how we use it, when it may be shared, how we protect it, and the choices available to you.
INFORMATION WE COLLECT
The information we collect depends on how you use WhyBOMB.com.
Information You Provide
You may provide information when you:
Contact B.O.M.B.
Submit a general question for B.O.M.B. LIVE.
Submit a B.O.M.B. Community win, story, celebration, nomination, photo or other approved community content.
Create or manage an account.
Purchase merchandise.
Enroll in Mortgage Rates All Access.
Schedule or pay for a Real Estate Advocate consultation.
Subscribe to email communications.
Participate in the Homeowner Celebration Program.
Request a privacy-related action.
Depending on the service, this information may include your name, email address, telephone number, billing or shipping information, account information, appointment information, general questions you submit, community stories or nominations, photos or other content you choose to submit, information about the person you ask B.O.M.B. to celebrate, and permission/consent information associated with publication.
Payment Information
When you make a purchase or pay for a service, payment information is processed through an approved secure payment provider.
B.O.M.B. does not collect or store complete payment-card numbers through ordinary website forms. Payment information should be entered only through the secure checkout or payment system provided on the website.
Information Collected Automatically
WhyBOMB.com may collect limited technical information needed to operate, secure and understand use of the website. This may include IP address, browser or device information, pages visited, referring pages, approximate location derived from IP address, and basic interaction information.
WhyBOMB.com does not use advertising pixels, remarketing technology, cross-site behavioral tracking, or targeted-advertising features unless this Privacy Policy is revised and those features are separately approved before activation.
HOW WE USE INFORMATION
We use information collected through WhyBOMB.com to:
Operate, maintain and secure the website.
Respond to questions and requests.
Process merchandise orders and shipping.
Manage customer accounts and subscriptions.
Deliver Mortgage Rates All Access communications.
Schedule and administer Real Estate Advocate consultations.
Provide requested educational resources.
Manage the Homeowner Celebration Program.
Review and moderate B.O.M.B. Community submissions, contact submitters or featured individuals when needed, and publish approved stories, photos, wins or celebrations when the required permission has been obtained.
Share approved B.O.M.B. Community content through B.O.M.B. social channels when publication/social-sharing permission has been obtained.
Send account, order, appointment, subscription or service communications.
Send educational or promotional email communications when permitted and provide a way to unsubscribe.
Understand website performance and improve the user experience using approved privacy-conscious analytics.
Detect fraud, abuse, malware, spam or other security threats.
Maintain records reasonably needed for business, tax, legal, dispute-resolution or compliance purposes.
Comply with applicable legal obligations.
PLEASE PROTECT YOUR INFORMATION
Do not submit highly sensitive personal or financial information through general website forms, public comments, B.O.M.B. LIVE, or B.O.M.B. Community submissions.
This includes Social Security numbers, passwords, bank account numbers, complete credit reports, complete mortgage files, or other sensitive financial documents.
If a B.O.M.B. service requires private documents, use only the secure document-sharing method specifically provided for that service.
B.O.M.B. COMMUNITY SUBMISSIONS AND PUBLICATION
B.O.M.B. Community submissions are reviewed before publication. Submitting a story, win, celebration, nomination or photo does not guarantee that it will be published.
If you submit information about another person, provide only information you are authorized to share. B.O.M.B. may contact the person being featured and may require additional permission before publication.
B.O.M.B. will not knowingly publish a submitted private mortgage document, Social Security number, bank information, complete credit report, account number or similar sensitive financial information as community content.
Approved community content may be displayed on WhyBOMB.com and may be shared through approved B.O.M.B. social channels when the required publication permission has been obtained.
If a proposed community feature changes what information is collected, who receives it, or how it is used, the feature must pass the Privacy Policy change-control process before activation.
COOKIES AND ANALYTICS
WhyBOMB.com uses cookies and similar technologies only as needed to operate approved website functions, maintain security, support account and commerce features, remember necessary preferences, and measure website performance.
Necessary cookies may support functions such as shopping carts, checkout, account access, security and session management.
Analytics, if used, must be configured without advertising personalization, remarketing, cross-site behavioral profiling or similar targeted-advertising features.
Where consent is required by applicable law or by the technology being used, optional analytics or third-party media technologies will not load until the required choice has been presented.
HOW INFORMATION IS SHARED
B.O.M.B. shares personal information only when reasonably necessary to provide an approved service, operate the website, protect the site and its users, or comply with applicable law.
Service providers may include:
Website hosting and security providers.
E-commerce and account-management providers.
Payment processors.
Email-delivery providers.
Scheduling providers.
Shipping or fulfillment providers.
Approved analytics providers.
Secure document-sharing providers, if used.
These providers may receive information only as reasonably necessary to perform the service for which they are used.
When a person has approved publication of B.O.M.B. Community content, the approved story, photo, name or other approved content may be displayed publicly on WhyBOMB.com and may be distributed through B.O.M.B. social channels.
Community submission data that has not been approved for publication should not be treated as public merely because it was submitted through the website.
Information may also be disclosed when reasonably necessary to comply with applicable law or lawful process, investigate fraud or security concerns, protect legal rights, or protect B.O.M.B., website users or others.
NO SALE OR TARGETED-ADVERTISING SHARING
B.O.M.B. does not sell personal information for money.
B.O.M.B. does not intentionally disclose personal information for cross-site targeted advertising or behavioral advertising.
Advertising pixels, remarketing lists, cross-site tracking technologies, or similar advertising features may not be activated unless B.O.M.B. first approves the feature and updates this Privacy Policy and any required privacy controls.
THIRD-PARTY SERVICES AND MEDIA
WhyBOMB.com may link to or display content from third-party services such as YouTube, Facebook, payment providers, scheduling services or other approved platforms.
Those services may operate under their own privacy practices when you choose to interact with them.
Where technically practical, embedded third-party media should use privacy-protective settings and should not load optional tracking before the visitor has taken the required action or provided any required consent.
B.O.M.B. is not responsible for the independent privacy practices of third-party websites or services that it does not control.
DATA RETENTION
B.O.M.B. retains personal information only for as long as reasonably necessary for the purpose for which it was collected, to provide requested services, maintain required business and transaction records, meet legal or tax obligations, resolve disputes, prevent fraud, or enforce agreements.
Information that is no longer reasonably needed should be deleted, anonymized, or securely disposed of when practical and consistent with legal or business recordkeeping requirements.
DATA SECURITY
B.O.M.B. uses reasonable administrative, technical and organizational safeguards designed to protect information collected through WhyBOMB.com.
No website, transmission method or storage system can guarantee absolute security. Visitors should use the secure methods provided by the website and should not send sensitive information through ordinary email, general contact forms or public platforms.
YOUR PRIVACY CHOICES
Subject to applicable law and reasonable identity verification, you may ask B.O.M.B. to provide access to personal information associated with you, correct information that is inaccurate, delete information that is no longer required to be retained, or provide a portable copy of certain information when reasonably available.
You may unsubscribe from promotional emails using the unsubscribe link included in those messages.
B.O.M.B. does not use personal information for cross-site targeted advertising under this policy. If that practice ever changes, this policy and the required opt-out controls must be updated before the practice begins.
Privacy requests may be submitted to: privacy@whybomb.com
CHILDREN’S PRIVACY
WhyBOMB.com is a general-audience website intended for adults interested in homeownership, mortgage education and related services. It is not directed to children under 13.
B.O.M.B. does not knowingly seek to collect personal information online from children under 13. If B.O.M.B. learns that such information was collected through the website, it will take reasonable steps to delete it as appropriate.
CHANGES TO THIS POLICY
B.O.M.B. may update this Privacy Policy when approved website functions, services, technology or legal requirements change.
A feature that would materially change how personal information is collected, used, retained or shared must not be activated until this Privacy Policy has been reviewed and updated as necessary.
The updated policy will be posted on WhyBOMB.com with a revised effective date.
CONTACT B.O.M.B. ABOUT PRIVACY
For privacy questions or requests:
B.O.M.B. — Black Ownership Means Brilliance
Email: privacy@whybomb.com
Website: WhyBOMB.com
If additional contact information is legally required for a particular jurisdiction or service, it must be added before the affected feature is launched.
YOUR INFORMATION MATTERS.
So does understanding how it is used.
Educate. Advocate. Celebrate.
We provide the tools. You make the move.
