1. Information We Collect
We collect information that you provide directly to us and information about your use of the Site.
A. Personal Information You Provide:
This includes information submitted when you apply for a loan connection, which may include:
- Contact Information: Name, email address, phone number, physical address.
- Financial Information: Income details, employment information, bank account number (for potential funding), and Social Security Number (for credit checks by lenders).
- Identity Verification: Date of birth, government-issued ID details.
B. Information Collected Automatically:
When you use the Site, we may automatically collect:
- Technical Data: IP address, browser type, operating system, device information.
- Usage Data: Pages you visit, links you click, time spent on the Site, referring/exit pages. We collect this through cookies and similar tracking technologies.
2. How We Use Your Information
We use the information we collect for the following purposes:
- To Provide Our Service: To match you with potential lenders in our network and facilitate your loan request.
- To Communicate with You: To send you updates about your application, respond to your inquiries, and send administrative information.
- For Creditworthiness: Lenders in our network will use your information (including your SSN) to perform credit checks and determine your eligibility for a loan. We do not perform credit checks ourselves.
- To Improve Our Site: To analyze how users interact with our Site, troubleshoot problems, and enhance user experience.
- For Security and Fraud Prevention: To protect our Site, services, and users from fraudulent activity and security threats.
- For Legal Compliance: To comply with applicable laws, regulations, and legal processes.
3. How We Share Your Information
We do not sell your personal information to third parties for their marketing purposes. We may share your information in the following ways:
- With Lending Partners: Your loan request information is shared with third-party lenders and financial institutions in our network to process your application.
- With Service Providers: We share information with trusted vendors who assist us in operating our Site, conducting our business, or servicing your account (e.g., data analytics, customer support, marketing). These parties are contractually bound to keep your information confidential.
- As Required by Law: We may disclose information if we believe it is necessary to comply with a legal obligation, protect our rights, or prevent fraud or harm to others.
- Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the new owner.
4. Cookies and Tracking Technologies
We use cookies and similar technologies to track activity on our Site and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier.
- You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.
5. Data Security
We implement a variety of administrative, physical, and technical security measures designed to protect your personal information. These include:
- SSL/TLS Encryption of data during transmission.
- Secure servers with strict access controls.
- Regular security monitoring and testing.
While we strive to use commercially acceptable means to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee its absolute security.
6. Your Privacy Rights
Depending on your state of residence, you may have certain rights regarding your personal information, which may include:
- The Right to Know: The right to request information about the personal data we have collected about you.
- The Right to Deletion: The right to request the deletion of your personal data, subject to certain exceptions.
- The Right to Opt-Out: The right to opt-out of the “sale” or “sharing” of your personal information (as defined by certain state laws). We do not sell your data as traditionally understood.
- The Right to Correct: The right to correct inaccuracies in your personal information.
To exercise any of these rights, please contact us using the information in the “Contact Us” section below.
7. Third-Party Links
Our Site may contain links to other websites, such as our lending partners. This Privacy Policy does not apply to third-party websites. We encourage you to read the privacy policies of every website you visit.
8. Data Retention
We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
9. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last Updated” date. You are advised to review this Privacy Policy periodically for any changes.
10. Contact Us
If you have any questions about this Privacy Policy, your data, or your privacy rights, please contact us at:
Phone: 1-800-SDL-PRIVACY (1-800-735-7482)