Privacy Policy
This Privacy Policy explains how this website collects, uses, discloses, and protects personal information when you visit the website, use its forms, or submit a loan request through the online connecting service.
This website is not a lender and does not make credit decisions, approve loan requests, set loan terms, fund loans, or guarantee that any lender or lending partner will offer a loan. The website provides a connecting service only. If you submit a loan request, one or more lenders, lending partners, lead networks, or related service providers may review your information and decide whether to offer loan options.
Loan availability, approval, loan amounts, rates, fees, repayment terms, funding times, credit checks, documentation requirements, and other conditions vary by lender, by state, and by your individual circumstances. Short-term loans can be expensive and should be used responsibly. Review all lender terms carefully before accepting any loan offer.
Information We May Collect
Depending on how you use the website, we may collect information that you provide directly, information collected automatically, and information received from service providers or partners as permitted by law.
The information we may collect includes identifiers and contact details such as name, address, email address, phone number, and date of birth; loan request information such as requested amount, income, employment, pay frequency, housing details, and related financial information; sensitive identifiers such as Social Security number or driver’s license information if provided; banking information such as bank name, account type, routing number, account number, and direct deposit status; technical information such as IP address, browser type, device type, pages viewed, cookies, and session identifiers; and communications or consent records related to your request, privacy choices, emails, text messages, or customer support inquiries.
How Information Is Collected
Information may be collected directly from you when you submit a loan request, complete a form, contact us, or otherwise interact with the website. Information may also be collected automatically through cookies, pixels, analytics tools, server logs, and similar technologies. In some cases, information may be received from lenders, lending partners, lead networks, service providers, verification providers, or other third parties as permitted by law.
How Information Is Used
Personal information may be used to receive, process, and route your loan request; connect you with lenders, lending partners, lead networks, or other financial-service providers; verify identity; prevent fraud; protect website security; communicate with you about your request or related services; maintain records of consent and privacy preferences; comply with legal obligations; analyze website performance; improve user experience; and send marketing communications where permitted by law and subject to your choices.
How Information May Be Shared
Personal information may be disclosed to lenders and lending partners so they can review your loan request and determine whether to offer loan options. Information may also be shared with lead networks and marketplace partners that help route requests, service providers that help operate the website, verification and compliance providers, analytics providers, marketing partners where permitted by law, legal or regulatory parties when required or permitted, and parties involved in a business transfer such as a merger, acquisition, reorganization, or sale of assets.
The website is not responsible for the actions or inactions of any lender, lending partner, lead network, marketing partner, or third-party service provider after information is shared as permitted by law or with your authorization. Their privacy practices may differ from this Privacy Policy.
GLBA and Financial Privacy Notice
When information is submitted in connection with a financial product or service request, certain personal information may be treated as nonpublic personal information under the Gramm-Leach-Bliley Act or related financial privacy laws. This information may be shared for everyday business purposes, including processing your request, verifying identity, preventing fraud, routing your request to lenders or lending partners, maintaining records, and complying with legal obligations.
Federal law allows certain sharing for everyday business purposes. You may not be able to limit all sharing, including sharing needed to process, administer, or complete your current request. Where applicable, you may request to limit certain sharing with non-affiliated third parties for their own marketing purposes by contacting us at [email protected] with the subject line “GLBA Opt-Out.” Please include the name, email address, and phone number used in your loan request so the request can be reviewed and processed.
Consent to Share Information
By submitting your information, you confirm that you have read, understood, and agree to the Privacy Policy, Terms of Use, E-Consent, Responsible Lending, and Marketing Practices.
By submitting a loan request, you authorize the website to share your information with lenders, lending partners, lead networks, service providers, and other parties as described in this Privacy Policy and in the disclosures presented at the point of collection. These parties may contact you about your request or related financial products and services, subject to applicable law and your consent choices.
Sale or Sharing of Personal Information
Some U.S. state privacy laws define “sale” or “sharing” broadly. Under those laws, certain disclosures of loan request information, contact information, or website activity information to lenders, lending partners, lead networks, marketing partners, analytics providers, or advertising partners may be considered a sale or sharing of personal information.
Where applicable, you may opt out of future sale or sharing of personal information by contacting us at [email protected] with the subject line “Do Not Sell or Share My Personal Information.” Please include enough information for us to verify and process your request. State privacy rights may not apply to personal information processed under GLBA, FCRA, or other financial privacy laws.
Your Privacy Rights
Depending on your state of residence, you may have the right to request access to personal information, request correction of inaccurate personal information, request deletion of personal information subject to legal exceptions, request a portable copy of certain information, opt out of sale or sharing, limit certain uses or disclosures of sensitive personal information, appeal a denied privacy request where required by law, and exercise privacy rights without unlawful discrimination.
To exercise privacy rights, contact us at [email protected]. We may ask you to verify your identity before completing your request. If a request is submitted through an authorized agent, proof of authorization may be required as permitted by law.
Marketing Communications
If you consent to receive marketing communications, you may be contacted by email, phone, text message, or other methods permitted by law. You may opt out of marketing emails by using the unsubscribe instructions provided in the message. You may opt out of text messages by following the instructions provided in the message, such as replying “STOP,” where available.
Opting out of marketing communications does not prevent transactional, service-related, legal, or privacy-related communications.
Cookies and Tracking Technologies
Cookies and similar technologies may be used to operate the website, remember preferences, analyze traffic, improve performance, measure marketing activity, prevent fraud, and maintain security. You can control cookies through your browser settings. If cookies are disabled, some parts of the website may not function properly.
Where required by applicable law, recognized opt-out preference signals may be honored for non-GLBA data. These signals may not apply to information collected or processed in connection with a financial product or service request.
Data Security
Reasonable administrative, technical, and physical safeguards are used to help protect personal information. These safeguards may include encryption, access controls, monitoring, vendor controls, and secure data transmission practices. However, no website, system, or method of transmission is completely secure.
Data Retention
Personal information is retained for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, process loan requests, maintain business records, comply with legal obligations, resolve disputes, prevent fraud, and enforce agreements. Retention periods may vary depending on the type of information and the reason it was collected.
Children’s Privacy
The website is intended for users who are at least 18 years old. Personal information from children under 16 is not knowingly collected, used, sold, or shared. If personal information from a child is discovered, reasonable steps will be taken to delete it.
State Availability and Responsible Borrowing
The connecting service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Availability may change and may vary by lender, lending partner, and state.
Short-term loans are expensive financial products and are not intended to be long-term financial solutions. Late or non-payment may result in additional fees, collection activity, and negative impact on your credit score. Renewal policies vary by lender and may involve additional costs. Only accept a loan offer after reviewing the lender’s full rates, fees, repayment terms, late-payment implications, renewal policies, and other conditions.
Changes to This Privacy Policy
This Privacy Policy may be updated from time to time. When changes are made, the “Last Updated” date will be revised. Continued use of the website after an update means that you acknowledge the revised Privacy Policy, to the extent permitted by law.
Contact Us
If you have questions about this Privacy Policy or want to submit a privacy request, contact us at [email protected].