Privacy Policy
This Privacy Policy explains how this website (“Site,” “we,” “us,” or “our”) collects, uses, shares, and protects personal information. This Site is not a lender, does not make credit decisions, does not approve loan requests, does not set loan terms, and does not fund loans. We provide a connecting service that allows consumers to submit a loan request and access lenders or lending partners in a network.
By using this Site or submitting your information, you agree to this Privacy Policy. If you do not agree, please do not use the Site.
How This Policy Applies
Information submitted in connection with a loan request may be subject to federal financial privacy laws, including the Gramm-Leach-Bliley Act and, where applicable, the Fair Credit Reporting Act. Other website activity, such as cookie data, analytics data, and advertising-related data outside the loan request context, may be subject to applicable state privacy laws.
Information We May Collect
The information we collect depends on how you use the Site and what information you choose to provide. We may collect identifiers such as name, email address, phone number, mailing address, IP address, and device identifiers; loan request information such as requested amount, date of birth, employment information, income details, pay frequency, and residence information; financial information such as bank name, account type, routing number, account number, and direct deposit information; sensitive identifiers such as Social Security number or driver’s license information; communication and consent records; and internet or network activity such as browser type, device type, pages visited, referring URLs, cookies, and session data.
How We Collect Information
We may collect information directly from you when you submit a loan request or contact us; automatically from your device or browser through cookies and similar technologies; from service providers that help us operate the Site; and from lenders, lending partners, marketing partners, or other third parties where permitted by law and applicable consent.
How We Use Information
We may use personal information to operate the Site, provide our connecting service, process and transmit your loan request to lenders or lending partners in a network, help determine whether a lender or lending partner may offer loan options, verify identity, prevent fraud, maintain security, keep consent records, communicate with you, comply with legal obligations, analyze Site performance, and improve user experience.
Approval is not guaranteed. Loan availability, loan amounts, rates, fees, repayment terms, credit checks, funding times, and other conditions vary by lender, state, and your individual circumstances. Some lenders may verify your credit or request additional information.
How We Share Information
We may share personal information with lenders and lending partners so they may review your loan request and determine whether to offer loan options. We may also share information with marketing partners where permitted by law and your consent, service providers that support hosting, data storage, analytics, fraud prevention, communications, compliance, and technical operations, and legal or regulatory parties when required to comply with law or protect rights and users.
We are not responsible for the actions or inactions of any lender, lending partner, marketing partner, or other third party. Once you choose to proceed with a lender or lending partner, that party’s own privacy policy and terms may apply.
Financial Privacy Notice
Federal law allows financial companies to share customers’ personal information for certain everyday business purposes. In connection with your loan request, we may share nonpublic personal information as needed to process your request, transmit your information to lenders or lending partners, prevent fraud, comply with law, and operate our business.
| Reason We May Share Information | Do We Share? | Can You Limit This Sharing? |
|---|---|---|
| For everyday business purposes, such as processing your loan request, fraud prevention, security, and compliance | Yes | No |
| With lenders or lending partners to review your request and provide possible loan options | Yes | No, when needed to process your request |
| For our own marketing purposes | Yes | You may manage communication preferences |
| For nonaffiliated third parties to market their own products or services | Yes, where permitted by law and your consent | Yes |
To limit sharing with nonaffiliated third parties for their own marketing purposes, email [email protected] with the subject line “Privacy Opt-Out” and include the name, email address, and phone number associated with your request.
State Privacy Rights
Depending on your state of residence and subject to applicable exceptions, you may have the right to request access to personal information we maintain about you, request correction of inaccurate personal information, request deletion of personal information, request a copy of your personal information, opt out of sale or sharing where applicable, limit the use or disclosure of sensitive personal information where applicable, appeal a privacy decision where required by law, and not be discriminated against for exercising privacy rights.
Some state privacy rights may not apply to information governed by federal financial privacy laws. To submit a privacy request, email [email protected]. We may request information to verify your identity before processing your request.
Sale or Sharing of Personal Information
Under certain state privacy laws, sharing lead information with lenders, lending partners, or marketing partners may be considered a “sale” or “sharing” of personal information. When you submit your information, you direct us to share it with lenders, lending partners, and other authorized parties so they may contact you about financial products or services.
You may opt out of future sale or sharing where applicable by emailing [email protected] with the subject line “Do Not Sell or Share My Personal Information.”
Cookies and Tracking Technologies
We may use cookies, pixels, tags, and similar technologies to operate the Site, remember user preferences, analyze traffic, improve performance, prevent fraud, and measure marketing effectiveness. You can usually adjust cookie settings through your browser. Blocking cookies may affect some Site functionality.
The Site does not respond to “Do Not Track” browser signals. Where required by applicable law, we will process recognized opt-out preference signals to the extent they apply to our Site and our data practices.
Communications and Consent
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.
You may receive communications from us, lenders, lending partners, marketing partners, or service providers as permitted by law and your consent. You may opt out of marketing emails by using the unsubscribe link in the message or by contacting us. Opting out of marketing communications does not prevent transactional or request-related communications.
Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no method of transmission or storage is completely secure. We cannot guarantee absolute security of information transmitted through the Internet.
Data Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, enforce agreements, maintain records, and prevent fraud.
Children’s Privacy
This Site is intended for users who are at least 18 years old. We do not knowingly collect, use, sell, or share personal information from children under 16. If we learn that we have collected information from a child under 16, we will take reasonable steps to delete it.
Loan Availability and Responsible Use
This service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Loan availability, amounts, rates, fees, terms, approval, and funding times vary by lender and state.
Short-term loans can be expensive and should be used responsibly. Before accepting any loan offer, carefully review the lender’s rates, fees, repayment terms, renewal policy, late-payment consequences, and potential credit score impact. Late or non-payment may result in additional fees, collection activity, and negative impact on your credit score.
Third-Party Services
The Site may interact with third-party services, including lenders, lending partners, marketing partners, analytics providers, communication providers, and compliance vendors. We are not responsible for the privacy practices, content, or actions of third parties.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted with an updated “Last Updated” date. Your continued use of the Site after changes are posted means you accept the revised Privacy Policy.
Contact Us
If you have questions about this Privacy Policy or wish to exercise privacy rights, contact us by email at [email protected].