Privacy Policy

1. Privacy Policy Overview

   This Privacy Policy outlines how Clear Lens Financial (referred to as "we," "our," or "us") collects, uses, shares, and protects your personal information. By accessing or using this website, you consent to the practices described in this Privacy Policy.

   This Privacy Policy is supplemented by state-specific notices for residents of California, Colorado, Connecticut, Delaware, Iowa, Montana, Nebraska, Nevada, New Hampshire, New Jersey, Oregon, Utah, and Virginia, and other specific states. Please review the "Notice to Residents of Certain U.S. States" section below for additional rights and disclosures.

   This Privacy Policy is subject to and part of our Terms of Use, which governs your use of our Service. Please refer to the Terms for additional information about liability, arbitration, and governing law.

2. Notice at Collection

   Clear Lens Financial is a brand/DBA of Bume International LLC, a Wyoming LLC registered at address 1309 Coffee Avenue, Suite 1200, Sheridan, WY 82801. You can reach us at [email protected], or call us on (279) 277-4433.

   We may collect personal information for business and legal purposes as detailed below. By providing your information, you consent to its collection, use, and disclosure under this Privacy Policy.

   If you wish to exercise your rights regarding your information, please visit the "Your Privacy Rights and Choices" section below.

   By providing your contact information and opting in to receive communications, you consent to receive service-related notifications, reminders, alerts, and the subscription topics you select or that are relevant to your account preferences, available here: bume-international-llc.zero.v2.tnid.com.

   Message frequency may vary, and standard carrier or data rates may apply where applicable. You may opt out at any time by replying STOP or by using our publicly available consent and preference management here: bume-international-llc.zero.v2.tnid.com/subscription.

   360-degree compliance and consent management is supported by TNID's platform, covering all communication channels between our brand and consumers. TNID provides tools to maintain compliance across these channels. For details, see our Privacy Policy bume-international-llc.zero.v2.tnid.com/privacy_policy and Terms of Service bume-international-llc.zero.v2.tnid.com/terms_and_conditions.

3. Information We Collect

   3.1 Information You Provide

   By providing your personal information, you certify that it is accurate, truthful, and complete. Providing false or misleading information may result in denial or suspension of access to our Educational services.

   We collect personal information you voluntarily provide, including:

   • Name, email address, phone number, and mailing address
   • Social Security number, driver's license number, and bank account information
   • Employment and income details, credit information, and other financial data
   • Any additional information you choose to submit via forms, surveys, or other communications
   3.2 Automatically Collected Information

   We automatically collect certain information when you visit the website, such as:

   • Browser type, IP address, device type, and operating system
   • Referring URLs, pages viewed, time spent on pages, and clickstream data
   • Geolocation information (if enabled on your device)
   3.3 Information From Third Parties

   We may collect information from affiliates, advertising partners, data vendors, and public sources. This may include demographic data, online behavior, and inferred preferences to improve our services.

4. How We Use Your Information

   We use your information for the following purposes:

   1. Providing Services: To process transactions and fulfill your requests
   2. Personalization: To deliver customized content and updates based on your preferences
   3. Fraud Prevention: To verify identity, prevent fraud, and enhance website security
   4. Legal Compliance: To meet legal obligations, enforce our Terms of Use, and resolve disputes
   5. Analytics and Improvements: To analyze website performance, conduct research, and enhance services

5. Email Communications

   If you provide your email address, you consent to receive email communications from Bume International LLC. These communications may include:

   • Transactional Emails:
     • Updates, reminders, and notifications directly related to your profile and requests
     • These messages are necessary for the completion of your requests, or use of the Service and cannot be opted out of whilst active

   For assistance, contact us at [email protected].

6. SMS Communications

   If you provide your mobile phone number, you consent to receive SMS messages from Clear Lens Financial. These communications may include:

   • Transactional SMS Messages:
     • Updates, reminders, and notifications directly related to your profile, or requests
     • These messages are necessary for the completion of your requests, or use of the Service and cannot be opted out of whilst active
   Additional Information:
   • These messages may be sent using an automatic dialing system or other technology, even if your number is on a national or state Do-Not-Call registry
   • Standard messaging and data rates may apply
   • For assistance, contact us at [email protected]

7. How We Share Your Information

   Your information may be shared with:

   1. Service Providers: Including hosting, analytics, payment processing, and vendors such as email service providers
   2. Law Enforcement or Legal Requests: To comply with subpoenas, legal orders, or regulatory obligations
   3. Corporate Transactions: In the event of a sale, merger, or transfer of assets
   4. Aggregated Data: Non-identifiable data shared for research or analysis
   Sale and Sharing of Personal Information

   We may disclose personal information in ways that qualify as a "sale" or "sharing" under certain U.S. state privacy laws. This may include providing personal data to third parties - such as email and analytics providers - in order to:

   • Deliver and improve our services;
   • Connect you with relevant parties.

   These disclosures are made in support of our business operations and may be considered a sale or sharing of your information under applicable law.

   You have the right to opt out of the sale or sharing of your personal information. To do so, please see the Your Privacy Rights and Choices section.

8. Cookies, Tracking Devices, and Advertising

   We use cookies and tracking technologies for:

   • Session management, website functionality, and analytics
   • Behavioral advertising through third-party providers, including Google Analytics

   Opt-Out: You can manage cookies via your browser settings or visit Network Advertising Initiative for additional choices.

9. Your Privacy Rights and Choices

   You have the following rights under applicable law:

   • The Right to Know what personal information we collect, use, and share
   • The Right to Delete your personal information
   • The Right to Opt-Out of the sale of your personal information

   Residents of California, Colorado, Connecticut, Delaware, Iowa, Montana, Nebraska, Nevada, New Hampshire, New Jersey, Oregon, Utah, and Virginia may have the right to:

   • Know what personal information we collect and disclose
   • Delete your personal information
   • Correct inaccuracies in your information
   • Opt Out of the sale or sharing of your personal information
   • Opt Out of Profiling used for legal or similarly significant decisions
   • Access a Portable Copy of your personal data
   • Appeal a refusal to honour your privacy rights
   • Non-Discrimination: You will not be treated unfairly for exercising your rights

   To exercise your privacy rights, follow the instructions below:

   • Unsubscribe: Use our unsubscribe form or email [email protected] with your name, address, and request, and include "Unsubscribe" in the subject line
   • All Other Requests: Email [email protected] with your name, address, and request, and include the request type (e.g. "Right to Know", "Right to Delete", or "The Right to Opt-Out") in the subject line

   Verification: We will not fulfill your request unless we can reasonably verify your identity. To do so, you may be asked to provide your name, address, and email for verification.

   Authorized Agents: You may designate an authorized agent to make a request on your behalf. The agent must provide written authorization, proof of their identity, and confirmation of your permission.

   We honour Global Privacy Control (GPC) signals in supported jurisdictions.

10. Data Retention and Security

    We retain your information for as long as necessary to fulfill business or legal obligations. We implement industry-standard security measures to protect your data, including encryption and access controls. However, no method is 100% secure.

11. Children's Privacy

    This website is not intended for individuals under the age of 16. If we become aware of any collection of data from children, we will delete it promptly.

12. Links to Other Websites

    We are not responsible for the privacy practices of third-party websites linked from our site. Review their policies before sharing information.

13. Electronic Consent and Communication

    By providing your information, you consent to receive notifications, disclosures, and documents electronically. This consent applies to:

    • Communications from us or our partners
    • Information submitted through our website

    You agree that this consent satisfies requirements under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act).

14. Changes to This Privacy Policy

    We may update this Privacy Policy periodically. Changes will be posted with an updated "Effective Date." Continued use of the website constitutes acceptance of the revised policy.

15. Governing Law

    This Privacy Policy is governed by the laws of Wyoming, excluding its conflict-of-law principles.

16. Dispute Resolution

    Any disputes arising from this Privacy Policy or our use of your personal information will be resolved through binding arbitration as detailed in our Terms of Use.

17. Contact Us

    For questions about this Privacy Policy or to exercise your rights, contact us at [email protected]

Notice to Residents of Certain U.S. States

This notice supplements our Privacy Policy and applies to residents of the following U.S. states with specific privacy laws: California, Colorado, Connecticut, Delaware, Iowa, Montana, Nebraska, Nevada, New Hampshire, New Jersey, Oregon, Utah, and Virginia.

We may collect the following categories of personal information, depending on your interactions with us:

• Identifiers (e.g. name, address, SSN)
• Commercial and transactional data (e.g. products considered)
• Internet activity and device information
• Geolocation (approximate)
• Employment and financial information
• Inferred preferences or characteristics

Summary of Your Privacy Rights by State

Sale and Sharing of Personal Information

We may disclose personal data to service providers. These disclosures may be considered a "sale" or "sharing" under applicable laws. You can opt out of these disclosures by:

• Emailing us at [email protected] with your request
• Enabling a Global Privacy Control (GPC) signal in your browser

Profiling and Targeted Advertising

We may use your information to make inferences about your interests or financial profile. In states where required, you may opt out of profiling that affects legal, financial, or other significant decisions.

Effective Date and Updates

This notice was last updated on October 24th, 2025 and may be revised periodically. Please refer to Section 9 of our Privacy Policy for full details on how to exercise your rights.