Thank you for viewing our website. This Privacy Policy conveys to you how we make use of personal info gathered at this site. The privacy practices set forth in this Privacy Policy are for this website only. If you link to other websites, please review the privacy policies posted at those sites. You should read through this Privacy Policy before using the website or submitting any personal details. By using this website, you are accepting the methods explained in this Privacy Policy. These procedures may be changed, but any changes will be submitted, and modifications will only apply to activities and information on a going forward, not retroactive basis. Visitors are invited to look at the Privacy Policy anytime you visit the site to ensure that you understand how any personal details you supply will be used. We are not a lender and do not make loans or credit decisions. We will refer you to a lender based on your information you provide. Our service is FREE and our goal is to recommend a lender. We will NEVER contact you asking you for any type of fee or money. Also, please understand that we cannot help everyone, but we will do everything we can to help you find a legitimate lender.

Collection of Information

Personally Identifiable Information:

In the course of using this website, we collect information that could identify you such as your name, email address, mailing address, phone number, Social Security number, driver’s license number, employment, information related to your income, and credit.

Other Information:

We also collect other information that is not used to identify you, including, but not limited to, browser type, internet protocol (IP) address, device type, date and time stamp of visit, demographic data, and data about your online activity. We use cookies or similar technology to collect such information for advertising and other purposes.

Cookie & Tracking technology

This site may use cookie and tracking technologies depending on the features available. We use cookies, web beacons, and similar technologies to record your preferences, track the use of our website and collect information. This information may include IP addresses, browser type, internet service provider (ISP), referring pages, operating system, date and time stamp of visit, and/or click data.

Distribution of Information

We may reveal information with government institutions or other organizations assisting us in fraud deterrence or analysis. We may do so when (1) permitted or required by law; and/or, (2) seeking to safeguard against or stop actual or potential fraud or unauthorized dealings; and/or, (3) examining fraud which has previously occurred. Information is not granted to these organizations for marketing purposes.

How we use your information

We use the information that we collect about you through your interaction with this website as well as information that you voluntarily provide to us. We may use collected information to (i) deliver the products and services you requested, (ii) personalize your user experience; (iii) communicate with you about products or services that may be of interest to you; (iv) to communicate with you via mail, email, telephone, text message/SMS, or otherwise even if your number appears on a do-not-call list or other similar registry; (v) to provide to third-party lenders or financial institutions for the purpose of determining eligibility for specific products (vi) for business purposes, such as analytics, research, advertising and marketing, and operational purposes; (vii) improve our Website; (viii) improve customer service; (ix) to comply with law enforcement and maintain the security of our Website; and (x) to perform any other functions otherwise disclosed when you provide us with your information.

How Do We Share Your Information

Consent to Receive Communication. By voluntarily providing and submitting your information on our form or otherwise using our website, you opt-in to receive communications (i) from us; (ii) one of our third-party lenders that we partner with; and (iii) third parties that provide services on our behalf, such as website hosting partners, text message/SMS service providers, email marketing service providers, or other parties who assist us in operating our website, conducting our business, or serving our users.
Consent to Share Your Information. In submitting an inquiry or using the services provided through our website, you agree that Loan Retriever may share your information about you or provided by you with lenders and other third parties which provide services to our users (collectively, Lender Network”) to deliver the products and services you requested. These Lender Network members include third-party lenders or financial institutions, and non-lenders or intermediary service providers that we partner with to help connect you with a lender or financial institution in the network.
Other Situations We Share Your Information. We may also be required to share your information (i) pursuant to a subpoena, court order, legal process, and/or government or regulatory request, (ii) when we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing, to protect and defend the rights, property, or safety of our Business, our users, or our employees, or to enforce our website’s terms and conditions or other agreements of policies; (iii) as part of a sale, merger or acquisition, or other transfer of all or part of our assets including as part of a bankruptcy proceeding; (vi) with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.

Commitment to Data Security

Your personally identifiable information is secure. By accessing and navigating through this website, you hereby acknowledge and agree that Loan Retriever may retain your information indefinitely. Only authorized employees, agents and contractors (who have agreed to keep information secure and confidential) have access to this information. All emails and newsletters from this website enable you to opt-out of further messages.
We will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by generally accepted industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, Loan Retriever shall not be liable for unauthorized disclosure of personal information due to no fault of Loan Retriever including, but not limited to, errors in transmission and unauthorized acts of third parties.
California resident please refer to our CCPA disclosure to understand your rights under the California Privacy Act of 2018 (CCPA).

California Consumer Privacy Act (CCPA) Disclosure

Rights for California Residents

To exercise one or more of your rights, you or someone you authorize, may call us at (800) 573-7138 or click on the following link CCPA Request and follow the instructions provided.
If you are a California resident, you may have certain rights under the California Consumer Privacy Act (Cal. Civ. Code §1798.100 et seq.) regarding your personal information, including:

• the right to request the specific pieces of personal information we collected about you; the categories of personal information we collected; the categories of sources used to collect the personal information; the business or commercial purposes for collecting your personal information; and the categories of third parties with whom we share your personal information each as it pertains to our activities in the preceding twelve (12) months.
• the right to request, on legitimate grounds, deletion of your personal information that we collected;
• the right to have someone you authorize make a request on your behalf; and
• the right not to be discriminated against for exercising any of these rights.

We also must provide in this online disclosure certain details about our collection and handling of categories of personal information. The information that follows shows the types of personal information we may collect about California residents who are subject to the CCPA, the sources from which we collect it, and the ways in which we use and disclose it.

Personal Information

Categories of Personal Information

• Personal identifiers, including those listed in other California statutes: Real name; alias; Social Security number; passport number; other government issued number; Green Card numb
• Characteristics of protected classifications: date of birth/age; gender; military or veteran status; marital status; nationality; citizenship; request for family care leave; request for leave for employee’s own serious health condition; request for pregnancy leave
• Biometric information: fingerprint; voice recordings; keystroke patterns and rhythms
• Professional or Employment: title; salary; employment files; references
• Education information: details of your education and qualifications
• Financial details: bank account numbers; debit/credit card numbers; cardholder or accountholder name and details; transaction details
• Commercial Information: records of personal property; products and service purchased, obtained or considered; purchasing or consuming histories or tendencies
• Internet or other electronic network activity information: browsing history, search history, information regarding your interaction with a website, application or advertisement
• Geolocation data: any information used to identify your physical location
• Communications, recordings, images: audio, electronic, visual
• Inferences: Any derivation of information, data, assumptions, or conclusions drawn from any of the above categories used to create a profile reflecting the consumer’s preferences, characteristics, psychological trends, preferences, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

Our Sources of Personal Information

Category of Sources from which we Collect Personal Information

• We obtain your personal information when you provide it to us (e.g., where you contact us via email or telephone, or by any other means)
• We collect personal information that you manifestly choose to make public, including via social media (e.g., we may collect information from your social media profile(s), to the extent that you choose to make your profile publicly visible)
• We receive your personal information from third parties who provide it to us (e.g., our customers; credit reference agencies; and law enforcement authorities)
• We collect or obtain personal information when you visit any of our Sites or use any features or resources available on or through a Site. When you visit a Site, your device and browser may automatically disclose certain information (such as device type, operating system, browser type, browser settings, IP address, language settings, dates and times of connecting to a Site and other technical communications information), some of which may constitute Personal Data

Use of Information

Business and Commercial Purposes for Use of Personal Information

• Marketing/Prospecting: communicating with you via any means (including via email, telephone, text message, social media, post or in person) subject to ensuring that such communications are provided to you in compliance with applicable law; and maintaining and updating your contact information where appropriate)
• Operation of our Sites: operation and management of our Sites; providing content to you; displaying advertising and other information to you; and communicating and interacting with you via our Sites
• IT operations: management of our communications systems; operation of IT security; and IT security audits
• Health and safety: health and safety assessments and record keeping; and compliance with related legal obligations
• Financial management: sales; finance; corporate audit; and vendor management
• Research: conducting market or customer satisfaction research; and engaging with you for the purposes of obtaining your views on our products and services
• Security: physical security of our premises (including records of visits to our premises and CCTV recordings); and electronic security (including login records and access details, where you access our electronic systems)
• Investigations: detecting, investigating and preventing breaches of policy, and criminal offences, in accordance with applicable law
• Legal compliance: compliance with our legal and regulatory obligations under applicable law
• Legal proceedings: establishing, exercising and defending legal rights
• Improving our products and services: identifying issues with existing products and services; planning improvements to existing products and services; and creating new products and services
• Risk Management: Audit, compliance, controls and other risk management
• Fraud prevention: Detecting, preventing and investigating fraud

Disclosure of Information

Categories of Third Parties to Whom Personal Information is Disclosed

• You and, where appropriate, your family, your associates and your representatives
• Anti-fraud Services
• Accountants, auditors, financial advisors, lawyers and other outside professional advisors to Chase, subject to confidentiality
• Data aggregation services
• Accreditation bodies
• Third party service providers (such as payment services providers; shipping companies; etc.)
• Governmental, legal, regulatory, or other similar authorities and/or local government agencies, upon request or where required
• Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties
• Any relevant third party acquirer(s), in the event that we sell or transfer all or any relevant portion of our business or assets (including in the event of a reorganization, dissolution or liquidation)

Do Not Sell My Personal Information

• If you are a California resident, you have the right to direct us not to sell your personal information at any time. You may submit your request by sending an email with the Subject Line “CCPA Do Not Sell My Information”. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within 2 business days to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
• However, if you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested.

Changes to this Disclosure

We may change this disclosure from time to time. When we do, we will let you know by appropriate means such as by posting the revised disclosure on our CCPA web site with a new “Last Updated” date. Any changes to this disclosure will become effective when posted unless indicated otherwise.

• You are submitting a request to be connected with one of our third-party lenders. In order to offer you a loan, the third-party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this EConsent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
• Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third-party lender directly. The lenders will provide paper copies at no charge. The lenders will retain all Disclosures as applicable law requires.
• Scope of Consent. By exercising this E-Consent, the third-party lender may process your information and interact during all online interactions with you electronically. The lender may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third-party lenders’ websites and may be provided by e-mail.
• Withdrawing Consent. Your E-Consent for our connecting service and for our third-party lenders’ consideration of your connecting request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more third party lenders, you are free to withdraw your E-Consent with those third-party lenders at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender.
• CONSENT. By clicking on the link, you agree to the terms. You acknowledge you have read this information about electronic signatures, records, disclosures, and doing business electronically. You consent to using electronic signatures, having all disclosures provided or made available to you in electronic form and to doing business with the lender electronically. You acknowledge that you may request a paper copy of the electronic records and disclosures, which will be provided to you at no charge. If you refrain from proceeding, then you neither wish to use electronic signatures nor conduct this transaction electronically. You also acknowledge that your consent to electronic disclosures is required to receive services from third party lenders over the internet.