Privacy Policy
Last Updated: January 2025
Your privacy is important to us. This policy explains how we collect, use, and protect your personal information.
Information We Collect
Personal Information
When you apply for a loan or use our services, we collect personal information including your name, email address, phone number, date of birth, Social Security number, employment information, income details, and financial information necessary to process your loan application.
Automatically Collected Information
We automatically collect certain information when you visit our website, including your IP address, browser type, device information, pages visited, time spent on pages, and referring website addresses through cookies and similar technologies.
Third-Party Information
We may receive information about you from credit bureaus, financial institutions, employers, and other third parties to verify your identity and assess your creditworthiness.
How We Use Your Information
Service Provision
We use your information to process loan applications, verify your identity, assess creditworthiness, communicate with you about your application, provide customer support, and manage your account.
Business Operations
Your information helps us improve our services, conduct data analysis, detect and prevent fraud, comply with legal obligations, and enforce our terms and conditions.
Marketing Communications
With your consent, we may send you promotional materials, newsletters, and updates about our services. You can opt out of marketing communications at any time.
Information Sharing and Disclosure
Service Providers
We share information with trusted third-party service providers who assist us in operating our business, including payment processors, credit bureaus, identity verification services, and technology providers.
Legal Requirements
We may disclose your information when required by law, to respond to legal processes, to protect our rights and property, to prevent fraud or illegal activities, and to protect the safety of our users and the public.
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
With Your Consent
We may share your information with other parties when you have given us explicit consent to do so.
Data Security
Security Measures
We implement industry-standard security measures to protect your personal information, including encryption of sensitive data, secure socket layer (SSL) technology, regular security assessments, access controls and authentication, and employee training on data protection.
Limitations
While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.
Your Rights and Choices
Access and Correction
You have the right to access, update, or correct your personal information. You can do this by logging into your account or contacting us directly.
Data Deletion
You may request deletion of your personal information, subject to legal and contractual obligations that require us to retain certain data.
Marketing Opt-Out
You can opt out of receiving marketing communications by clicking the unsubscribe link in our emails or contacting us directly.
Cookie Management
You can control cookies through your browser settings. Note that disabling cookies may affect the functionality of our website.
Do Not Track
Our website does not currently respond to Do Not Track signals from browsers.
Cookies and Tracking Technologies
Types of Cookies
We use essential cookies for website functionality, analytics cookies to understand how visitors use our site, preference cookies to remember your settings, and marketing cookies to deliver relevant advertisements.
Third-Party Cookies
We may allow third-party service providers to place cookies on your device for analytics and advertising purposes.
Data Retention
Retention Period
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Loan application data is typically retained for 7 years in accordance with financial regulations.
Children's Privacy
Age Restriction
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.
International Data Transfers
Cross-Border Transfers
Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with this privacy policy.
Changes to This Policy
Policy Updates
We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes by posting the updated policy on our website and updating the 'Last Updated' date. Your continued use of our services after changes constitutes acceptance of the updated policy.
Contact Us
Questions and Concerns
If you have questions, concerns, or requests regarding this privacy policy or our data practices, please contact us through our contact page or reach out to our privacy team. We will respond to your inquiry within 30 days.
State-Specific Rights
California Residents
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete personal information, the right to opt-out of the sale of personal information, and the right to non-discrimination for exercising your rights.
Other State Laws
Residents of other states may have additional rights under applicable state privacy laws. Please contact us to learn more about your specific rights.
Your Privacy Matters
We are committed to protecting your privacy and handling your personal information with care and transparency. If you have any questions or concerns about how we handle your data, please don't hesitate to reach out to us.
Contact Us