Privacy Policy

Last Updated October 1, 2024

We take great care to preserve your privacy and acknowledge, respect, and uphold the rights to personal privacy of each and every one of our users. Regarding the gathering and processing of the personal data of our users and all other customers who use our website, we are dedicated to offering a high degree of security and privacy. The way we use and safeguard the data about our users and all other customers who visit our website is explained in the privacy statement that follows. Please take the time to carefully read it. You hereby consent to this privacy policy (the “Policy”) and accept its terms by using our website or services.

Facts: What Do We Do with Your Personal Information?

Why?

Companies choose how they share your personal information. Consumers have the right to limit some but not all sharing. We are committed to telling you how we collect, share, and protect your personal information. Please read this policy carefully to understand what we do.

What?

The types of personal information we collect and share depend on whether you simply browse our website or whether you submit a loan request on our website. This information generally includes, but is not limited to:

  1. Information you enter on our website or a website in our network, such as:
    1. Personal information like your name and date of birth.
    2. Age, including whether you are 40 years old or older
    3. Social Security number, driver’s license number, and/or other similar identifiers
    4. Employment and income information
    5. Active military duty status
    6. Banking account information
    7. Contact information like your email address, phone number, and physical address (including how long you’ve been at that address)
    8. Loan information like the amount requested, the loan reason, and when you prefer to be contacted
    9. Your communications with us
  2. Tracking data such as:
    1. internet protocol addresses,
    2. browser / application type,
    3. Internet Service Provider,
    4. date/time stamp,
    5. referring/exit pages, and
    6. your activity on our site
  3. Geolocation data

How?

Companies like ours need to share users’ personal information to run their everyday business. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to keep that personal information confidential. In the sections below, we list the reasons we use and share users’ personal information and whether you can limit this sharing.

Our Use of Your Personal Information

We may use personal information we collect for one or more of the following business purposes:

  1. To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in order for us to connect you with a lender, we will use that information to try to connect you with a lender.
  2. To provide you with information, products or services that you request from us. For example, to provide you with information about loans in response to your loan request.
  3. To provide you with email alerts and other notices concerning our products or services, or events or news, that may be of interest to you. For example, to provide you with information about other consumer financial products or services that may be of interest to you, such as credit monitoring, debt relief and credit cards.
  4. To improve our website and present its contents to you, including creating an account using the information you provide on our website so you can easily submit loan inquiries in the future.
  5. For testing, research, analysis and product development.
  6. To improve our systems and algorithms.
  7. To prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.
  8. As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
  9. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  10. As described to you when collecting your personal information.
  11. To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
  12. To create an account for you so that you can more easily submit loan inquiries in the future on this website and our affiliated websites using your previously-provided information.
  13. Other uses which you expressly consent to.

Sharing Your Personal Information

Reasons We May Share Your Personal Information

Do We Share

Can You Limit This Sharing

For our everyday business purposes – such as to try to connect you with a lender, process your transactions, or allow you to more easily submit loan requests in the future.

YES

At the time you submit a loan request: No

Any time after you submit a loan request: Yes

For our marketing purposes – to offer our products and services to you

YES

At the time you submit a loan request: No

Any time after you submit a loan request: Yes

For our affiliates’ everyday business purposes – to facilitate our everyday business purposes and our marketing purposes described above.

YES

No

For non-affiliates to market to you – to market loans in response to your loan request.

YES

At the time you submit a loan request: No

Any time after you submit a loan request: Yes

For non-affiliates to market to you – to market other consumer financial products or services, such as credit repair, deft relief, credit cards, and banking services.

YES

YES

As required by law – to respond to court orders and legal investigations as required by law.

YES

NO

Sharing your sensitive personal information

As used in this section:

  • “Sensitive Personal Information” means any of the following information about you: (1) Social Security number; (2) financial institution account number; (3) credit or debit card information; (4) taxpayer identification number; (5) passport number; (6) a driver’s license number or other government-issued identification number; (7) date of birth (other than year); (8) any other information by which your financial account can be accessed, or by which a you might be charged for goods or services, including through third parties such as telecommunications carriers.
  • “Financial Product or Service” means any product, service, plan, or program represented, expressly or by implication, to (1) provide any consumer, arrange for any consumer to receive, or assist any consumer in receiving a loan or other extension of credit; (2) provide any consumer, arrange for any consumer to receive, or assist any consumer in receiving credit, debit, or stored value cards; (3) improve, repair, or arrange to improve or repair any consumer’s credit record, credit history, or credit rating; or (4) provide information about or provide assistance to improve any consumer’s credit record, credit history, or credit rating.

We will not share your Sensitive Personal Information unless you have requested a Financial Product or Service and (a) the sharing is necessary for a third party to provide the requested Financial Product or Service, (b) we have your express, informed consent for the sharing, and (c) we have conducted certain required screening of the recipients of your Sensitive Personal Information. However, we may share your Sensitive Personal Information where required under applicable law. (For example, to respond to court orders and legal investigations as required by law.)

Categories of Non-Affiliates We Share Your Information With

  1. Lenders
  2. Networks of lenders
  3. Agents of record for lenders
  4. Financial technology companies that offer loans in partnership with licensed banks.
  5. Other non-affiliates that may be able to offer you or market consumer financial products or services related to your loan request (for example, debit repair and credit monitoring services)
  6. Other non-affiliate service providers to facilitate our marketing to you.