Effective Date: 10/01/2018
Last updated: 02/05/2024
Welcome to the Privacy Policy of loans-for-feds.com (the “Website”). This Privacy Policy pertains to loans-for-feds.com, its subsidiaries, and associated websites (“Websites”). We have crafted this Privacy Policy to inform you about our practices regarding the collection, utilization, and disclosure of information that you may provide through this Website and its related services. Please take the time to read this entire Privacy Policy carefully before using or submitting information to this Website.
Age and Geographic Restrictions
This Website is intended for individuals aged eighteen (18) and older, and it is directed towards users residing within the United States. By accessing this Website via any device (referred to as “Device”), you agree to abide by the terms outlined in this Privacy Policy. If you do not agree with these terms, kindly refrain from using the Website.
Modifications to Privacy Policy
We reserve the right to modify this Privacy Policy at any time. In the event of changes to this Privacy Policy, we will post those updates on our Website. We strongly encourage you to periodically review this Privacy Policy to stay informed about how we utilize the information we collect.
Collection of Information
The primary purpose of our Website is to assist you in finding a loan from potential lenders who are part of our network of loan lenders (“participating lenders”).
Personal Information
We collect personal information from you when you voluntarily provide it to us. This may include details such as your name, date of birth, telephone number, mailing and home address, zip code, email address, social security number, bank account information, financial data, employment information, and driver’s license number along with the state of issuance. The collection and use of this personal information are subject to our Website’s Privacy Policy.
Non-Personal Information
When you visit our Website, we may automatically collect certain non-personal information from you. This may include your Internet Protocol (IP) address, the date and time of your visit, browser type, operating system, specific web pages visited, and the domain name from which you accessed the Website. We may also gather information about your browsing behavior, such as the date and time of your visits, the website areas or pages you interact with, the duration of your visits, the frequency of your return visits, and other clickstream data. Additionally, we may use non-personal information for statistical analysis, research, and other purposes.
Similar to many commercial websites, we analyze visitor behavior on our Website using “cookie” technology. A cookie is a small text file that is placed on your computer when you access our Website, enabling us to recognize you upon each visit. Cookies serve various purposes, including enhancing your Website experience, monitoring usage, managing the Website, and improving our services. You can configure your browser settings to reject cookies or manually delete them. However, doing so may impact your ability to access and use certain pages and features on our Website. We may also use web beacons on our Website and in our communications to collect information about your Site visit and interactions with our emails and advertisements. Web beacons are tiny graphic images that assist in analyzing our Website visitors’ behavior and measuring the effectiveness of our Website and advertising.
We may combine non-personal information collected through cookies and web beacons with other data we have obtained from you.
Use of Information
We may use the information collected from and about you for various purposes, including:
- Facilitating your request and matching you with participating lenders.
- Responding to your inquiries.
- Monitoring Website usage and operations.
- Addressing issues related to the Website, our business, or our services.
- Ensuring the security and integrity of the Site and our business.
- Overseeing Website compliance with our Terms of Use and legal requirements.
- Enforcing our contracts with you.
- Sending you Website updates, newsletters, promotional materials, and offers from participating lenders, as well as other companies.
- Remarketing your information to third parties with your consent, where legally required and in compliance with applicable laws and regulations.
If you do not wish to receive communications from us regarding offers and promotions, you can opt-out by emailing us at [email protected] or by following the instructions provided in the messages you receive.
Disclosure of Information
We may disclose information collected from and about you as follows:
- To facilitate your request by sharing your personal information with participating lenders for loan-related communication.
- To our related companies and service providers for business, professional, or technical support functions.
- With consumer reporting and related agencies.
- When we believe there has been a violation of the Website Terms of Use or our rights, or the rights of any third party.
- In response to legal processes, such as search warrants, subpoenas, court orders, or law enforcement investigations related to public safety, as permitted by law or as required by law.
- In the event of our company or substantially all of its assets being acquired, your personal information may be transferred as part of the assets. We may also share aggregate, non-personal information about Website users with third parties.
Furthermore, we may share your personally identifiable information (excluding sensitive financial data) with third-party marketers and service providers, including advertisers, with whom we have an ongoing business relationship.
Credit Implications
Our participating third-party lenders may verify your personal information, including your social security number and driver’s license number, and review your information against national databases to assess creditworthiness and capacity. Please be aware that multiple inquiries on national databases (Equifax, Transunion, and Experian) may result in a lowered credit score. By submitting your information, you consent to third-party providers verifying your information and checking your credit in accordance with their policies and terms.
Security
We implement reasonable and appropriate security measures to protect the personal information you choose to provide from loss, misuse, alteration, or unauthorized access. While we make every effort to safeguard your personal information, please note that no data transmission over the Internet is entirely secure. Although we strive to protect your personal information, we cannot guarantee its complete security or confidentiality.
Interest-Based Advertising
We may collaborate with ad networks and other ad-serving providers (“Advertising Providers”) who display ads on our Website and others on non-affiliated websites. Some of these ads may be personalized based on information collected by Advertising Providers regarding your visits to our site and other websites over time. Advertising Providers utilize cookies to personalize advertisements that may appear on other websites. While there is no industry-standard Do-Not-Track protocol in place, we do not alter your browsing experience based on any “Do Not Track” signals sent by certain browsers or chosen by you. You can visit www.cookiecentral.com and www.aboutads.info to learn more about this type of advertising and opt-out options provided by companies participating in the Digital Advertising Alliance (“DAA”) self-regulatory program. Opting out may not prevent ads from appearing in your browser or applications but may make the ads you see less relevant to your interests. Note that if you use a different browser or delete cookies, you may need to renew your opt-out selection. Please refer to your browser’s help section for guidance on removing cookies and exploring other privacy and security settings.
Children
We do not intentionally direct our Website to, nor do we knowingly collect personal information from, children under the age of thirteen.
Third-Party Websites
Our Website may contain links to third-party websites, including those of participating lenders, which may have privacy policies that differ from our own. Additionally, third-party vendors, such as Google, may display advertisements for our site and services. We do not endorse or take responsibility for the activities and practices on these external sites. Therefore, we recommend reviewing the privacy policy of any external site before disclosing personal information. If you have inquiries regarding their privacy policies, please contact those websites directly.
Third-Party Analytics
We utilize your information, including age, gender, and interests, to gain insight into our customers’ behavior on the Site and inform our marketing efforts. Third-party vendors, such as Google, may use cookies to display advertisements to you based on your past visits to our site. You can opt out of automated information collection by third-party advertisers by adjusting your Google ads settings and preferences at http://www.google.com/ads/preferences. To learn more about Google’s privacy practices, visit http://www.google.com/privacypolicy.html.
Your California Privacy Rights
Under California’s “Shine the Light” law, California residents who provide Personal Information to the Website may request certain information regarding our disclosure of Personal Data to third parties for their direct marketing purposes. To make such a request, please contact our consumer support helpline via e-mail at [email protected].
Contact Us
In the event that we need to contact you regarding any event involving your information, we may do so via email, telephone, or mail. If you have any questions or concerns about this Privacy Policy, please feel free to contact us emailing [email protected].