FACTS
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WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?
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| Why? |
Companies decide how to share consumers' personal information. Consumers have the right to limit some but not all sharing. We are committed to being transparent about how we collect, share, and protect your information. Please read this policy carefully to understand how your data is handled. |
| What? |
The types of nonpublic personal information we collect, and share vary based on your interactions with us—whether you are simply browsing or submitting a loan request. This information includes, but is not limited to:
Identifiers: Name, email address, phone number, physical address, IP address, and other contact information.
Personal Characteristics: Age, date of birth, military and employment status.
Financial Information: Social Security number, bank account information, loan request details (amount, purpose), income details.
Commercial Information: Records of products or services you have expressed interest in.
Internet or Network Activity: Browsing behavior, IP address, referring/exit pages, and interactions with our site.
Communication Records: Inquiries, customer service interactions, and survey responses.
Sensitive Personal Information under California Privacy Rights Act (CPRA): Social Security number, driver’s license or government-issued identification number, exact date of birth, bank account information. |
| How? |
We use and share users' personal information as necessary for the operation of our business (“Business Purpose”).
We collect and use your personal information to (without limitation):
- Process loan requests and connect you with lenders.
- Provide information about Financial Products or Services.
- Enhance your experience and simplify future loan applications across our websites.
- Prevent fraud or malicious activities.
- Comply with legal obligations.
- Carry business restructuring.
- For any other purposes to which you expressly consent.
We may check our affiliated websites to determine if we have previously collected your personal information (e.g., name, address, date of birth, phone number, occupation, and housing details) to streamline and improve your current request. Likewise, we may use the personal information collected on this website to enhance and simplify your service requests on our other affiliated websites. |
SHARING YOUR PERSONAL INFORMATION
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| Reasons We Can Share Your Personal Information |
Do We Share? |
Can You Limit Sharing? |
| For our everyday business purposes (processing requests, preventing fraud, etc.) |
Yes |
No |
| For marketing our products and services |
Yes |
Yes |
| For non-affiliates to market loans in response to your request |
Yes |
No |
| For non-affiliates to market other Financial Products or Services |
Yes |
Yes |
| To comply with legal obligations (court orders, investigations) |
Yes |
No |
| Sharing Your Sensitive Personal Information |
| We share Sensitive Personal Information only with our Lending Partners when necessary to assist you in finding a loan, when required by law, or with your explicit consent. We do not sell Sensitive Personal Information as defined by CPRA. |
| Definitions |
| Affiliates |
Companies related by common ownership or control. They are non-financial companies. |
| Non Affiliates |
Companies not related by common ownership or control. They can be financial and non-financial companies (see categories below). |
| Financial Product or Service |
Any product, service, plan, or program that is explicitly or implicitly offered to: (a) provide, arrange for, or assist a consumer in obtaining a loan or other extension of credit; (b) offer, arrange for, or assist a consumer in acquiring credit, debit, or stored value cards; (c) improve or repair a consumer's credit record, credit history, or credit rating; or (d) provide information or assistance aimed at enhancing a consumer’s credit record, credit history, or credit rating. |
| Categories of Non-Affiliates We Share Information With |
- Lenders
- Networks of Lenders
- Financial technology companies that offer loans in partnership with licensed banks.
- Non-affiliates offering Financial Products or Services (credit repair, credit monitoring, etc.)
- Other non-affiliate service providers to facilitate our marketing to you.
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WHO WE ARE
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| Who is providing this notice? |
This notice is provided by 127.0.0.1, the entity responsible for collecting and processing your personal information as you interact with our platform. |
WHAT WE DO
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| How We Protect Your Information |
We employ industry-standard security measures, including:
- Encryption for data transmission.
- Firewalls and secure data storage.
- Restricted access to sensitive information.
- Multi-factor authentication.
- Regular security assessments.
- Breach response plans.
- Controlled data sharing: We ensure that any transfer of data to our partners is limited to specified purposes and governed by agreements that include strict security and confidentiality obligations.
However, no method of transmission over the Internet is 100% secure. |
| How Do We Collect Your Personal Information? |
We collect your personal information when you:
- Submit a loan request on our platform or on our affiliates’ websites.
- Interact with our website, including browsing, filling out forms, answering surveys.
- Communicate with us.
We can also receive some of your personal information from Lending partners. |
| Why Can’t You Limit All Sharing? |
Under applicable laws you can’t limit sharing personal information for business purposes, such as but not limited to: processing your request to connect you with a lender, preventing fraud, etc. |
OTHER IMPORTANT INFORMATION
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| Understanding Your Rights |
Depending on your state of residence, you may have certain privacy rights regarding the personal information we collect about you. To exercise any of these rights, please submit a request, and we will verify your residency and eligibility before proceeding.
We honor privacy rights as required by applicable laws in your state of residence. Please note that not all rights may be available in all states.
Right to Know. You can ask us to give you information about our collection and use of your personal information. Specifically, you can request that we provide you one or more of the following:
- The categories of personal information we collected about you.
- The categories of sources from which we collected your personal information.
- Our business and commercial purposes for collecting, selling, or sharing your personal information.
- The categories of third parties to whom we disclose your personal information.
- The specific pieces of personal information we collected about you.
Right to Delete. Subject to certain limitations, you can ask us to delete your personal information.
Right to Correct. You can ask us to correct inaccurate personal information that we have about you.
Right to Opt Out of Targeted Advertising or Sale. You have the right to request that we do not sell your personal information at any time. Upon receiving your request, we will stop selling your data to marketing partners within the timeframe set by law. However, we may continue to sell your data for Business Purposes, such as helping you find a potential loan offer. For more details, please review our Marketing Practices. If you do not want your data shared with our Lending Partners for this purpose, please do not use our service.
Right to Limit Use of Sensitive Personal Information: California residents have the right to limit the use and disclosure of their Sensitive Personal Information to only what is necessary to provide the services. Our use of sensitive personal data is already limited to essential business purposes.
Right to Data Portability: You have the right to request a copy of your personal information in a portable, machine-readable format, enabling you to transfer it to another entity.
Right Against Discrimination. We will not discriminate against you for exercising your rights. |
| How to exercise your rights |
| You can exercise your rights by emailing us at the contact email provided below. After receiving your request, we will verify your identity and your eligibility depending on your residency to ensure that the request is valid and in accordance with the regulations of your state of residence. This may involve confirming other personal details you’ve previously provided to us.
Please note that we may decline your request if we are unable to verify your identity or if your state laws do not provide these specific rights. We will process and respond to your request within the timeframe required by applicable law.
Residents of Colorado, Connecticut, and Virginia can appeal a refusal to take action on a request by contacting us by email. |
| Cookies and Tracking Technologies |
| We use cookies and similar tracking technologies to collect information about your behavior on our website. This information may include IP address, browser type, device information, pages visited, and time spent on our site. We use cookies to (a) improve user experience by customizing your interaction with the website, (b) analyze how visitors use our site, (c) remember your consents as required by law, (d) diagnose bugs and errors, and (e) offer personalized content.
We do not track our users over time and across third party websites, and therefore do not respond to Do Not Track (DNT) signals. However, we may use third-party cookies for advertising and analytics purposes (e.g. TikTok, Meta, Google, Facebook). These third parties may collect information about your browsing activity over time and across different websites. You can manage your DNT preferences through your browser settings. |
| Unsubscribe From Marketing Communications |
| You may opt out of our marketing communications at any time. To stop receiving future messages, click "Unsubscribe" at the bottom of this website, follow the unsubscribe instructions provided in our communications, or contact us at our contact email address below, including your email address and phone number to process your request. |
| Children’s Privacy |
| Our services are exclusively intended for individuals who are 18 years of age or older. We do not knowingly collect, use, or sell personal information from individuals under the age of 18. |
| Data Retention |
| We retain your personal information as long as it is necessary to provide you our service and to comply with our data retention requirements. We also retain your personal information to enhance your experience if you return to use our services after your initial use. Even after you stop using our service, we may be required to keep your information for as long as necessary to comply with our legal and regulatory obligations, to make or defend legal claims, and to protect against fraudulent activity of others. Once the data is no longer required for these purposes, we will securely delete or anonymize it in compliance with applicable laws. |
| Contact Information |
| For more information or if you have any questions regarding your privacy rights, please contact us at: [email protected] |