Effective as of 05/15/2023
Please note that your Social Security number and banking information is used exclusively to facilitate our search and matching service and will not be shared with third-party marketers or any other third parties, except where required by law or special directives from authorized parties (including but not limited to issues of national security or similar).
In addition to PII, we also gather your Non-Personally Identifiable Information (NPII) when you use the Website, regardless of whether you submit any personal information. NPII includes but is not limited to user behavior data such as Internet Protocol (IP) data, browser specifics, geographical location, operating system, referral and exit pages, date and time details, Internet Service Provider (ISP) information, etc. The NPII we collect can be shared with third parties we contract with unless you choose to hide your NPII or request us directly to stop using your NPII.
Your PII may serve as a medium for direct and indirect communications, including but not limited to telecommunication marketing calls, support calls, and proposals related to credit products and services via the phone number you provided in the digital form. We or third-party lenders and marketers may utilize this number even if it is included in any corporate, state, or federal 'Do-Not-Contact' registers, suppression lists, or similar. Given that your submission of information via the online form is seen as an attempt to purchase or acquire a service, the processing and application of your request comply with the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the "ATSR"). ATSR allows us to contact you, even if your phone number is listed in the FTC Do-Not-Call List, using telemarketing upon your provided consent. As your request for service from third-party marketers on the Website is also deemed an attempt to make a purchase, under ATSR, these third-party marketers also have the authority to contact you using telemarketing.
These are unique small files assigned by a website server to its users when they visit and interact with the Website. Once installed on the user’s device, these cookies collect information about the user’s online behavior, browsing details, and user experience, which is sent to us or third-party entities authorized to collect this information. Cookies are used to recognize users, analyze their preferences, and tailor online services based on the gathered information. Additionally, these small files can detect fraudulent activity and prevent security breaches.
Cookies vary in size and lifespan (temporary or permanent ones). Session or temporary cookies are used for a single operation on the Website and are deleted shortly after the user exits the browser or website. Permanent or persistent cookies are stored longer and persist even after exiting the webpage or browser. You can manually manage your cookie preferences in your browser’s settings and delete these small files if you deem it necessary. More information about cookies and cookie management can be found at http://www.cookiecentral.com/ and http://www.aboutads.info.
We, and our third-party marketers, reserve the right to cease providing electronic documentation, notifications, and other forms of e-communication. In such instances, affected users may receive prior notification of discontinuation in accordance with policy provisions, terms regulating business relationships, and other applicable laws and regulations. Hard copies of documents and records originally in electronic form need not be produced or stored to facilitate expense reduction. All electronic records, disclosures, and documents will be destroyed in accordance with regulatory requirements. These electronic records can serve as a legitimate evidence to validate rights, agreements, and obligations associated with these e-documents.
Our Website hosts links to third-party websites and may include links to third-party marketers. As a matching service, we may connect our Website users to third-party lenders via these links. The privacy of information provided by users on external sites is regulated by the policies of those sites and is not our responsibility. These third parties have their privacy policies and regulatory documents, which we strongly advise you to review before sharing any personal information on their sites.
We adhere to federal and state regulations and codes. Personal information usage varies across states. Some state regulations mandate disclosure of how and when collected information will be shared and the parties to which it will be transmitted. They may also require disclosure of the types of personal information to be shared and how third parties are expected to use it. If you are a resident of a state with specific regulations, we recommend contacting us directly for detailed information. Each request will be processed individually. We reserve the right to refuse such requests if they originate from users residing in states without such specific regulations.
Website users have the right to modify, amend, or withdraw their personal information collected on the Website. If needed, users wishing to alter their information should contact us via email at [email protected] or through the contact details provided on the Website. If any user has a complaint regarding the Website or any of its services, they should use the provided contact details to share their concerns. We pledge to review all requests and complaints promptly and thoroughly and to resolve them in a reasonable and timely manner.
We retain personal data collected through the Website for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data, and whether we can achieve those purposes through other means, and the applicable legal requirements.
We take the protection of your data very seriously. The Website has implemented several physical, electronic, and managerial procedures designed to protect the information we collect online. Our data protection strategies, unfortunately, cannot guarantee 100% security. Thus, while we strive to protect your information, we cannot and do not guarantee or warrant the security of any information transmitted to or from our Website, and you do so at your own risk.
Depending on where you reside, you may have certain rights with respect to your personal information. These rights may include, among others, the right to: (a) access your personal data; (b) correct, update, or delete your personal data; (c) restrict or object to the processing of your personal data; (d) receive your personal data in a usable electronic format and transmit it to a third party (right to data portability); and (e) lodge a complaint with your local data protection authority.
If you would like to discuss or exercise such rights, please contact us at the details below. We encourage you to contact us to update or correct your information if it changes or if the personal data we hold about you is inaccurate.