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Updated: November 2023
Credit Central1 values the importance of protecting consumers’ non-public personal information (“NPI”), and Credit Central recognizes the necessity of implementing policies and procedures with respect to sharing such NPI. Therefore, Credit Central has adopted this Privacy Policy (the “Policy”), pursuant to Title V of the Gramm-Leach-Bliley Act (the “GLBA”) that outlines how we collect, use, disclose, transfer and store information provided during use of our website (the “Site”) and the services provided through our Site (“Services”). This Policy supplements our Privacy Notice.
Before using the Site, please review our Terms of Use governing your usage. By continuing to access or use the Site, you express your consent to this Policy, the Terms of Use, and the handling of your information as described herein. If you disagree with the terms of this Policy, refrain from providing NPI or using the Site.
We may request NPI from you on the Site. This information may include:
Full name;
Date of birth;
Relationship Status;
Address and contact details;
Email address;
Social security number;
Driver's license number;
Bank account or payment card information;
Employment details; and
Information regarding your assets, debts, and income.
This information is collected voluntarily through various forms on the Site, such as loan applications or ‘Contact Us’ forms. You are responsible for ensuring the accuracy and truthfulness of any information provided.
We and third-party service providers may passively collect non-personal information whenever you interact with the Site. This includes:
IP Address and Device Identifier;
Device functionality, including browser and operating system details;
Your activities on the Site;
Device location; and
Other relevant Device/Network data.
We might acquire NPI from external sources, including data from lead generators or details regarding your credit profile sourced from entities such as Experian, TransUnion, Equifax, Plaid, Lexis Nexis, and Dot818. Furthermore, we engage third-party providers to gather contact details to promote specific Services through email or on various social media platforms.
On occasion, we may receive specific NPI concerning a third-party from you. For instance, during our registration process, you might provide your co-applicant’s first and last name, home address, email address, personal phone number, social security number, and date of birth. Should you furnish any NPI regarding another individual, it is your responsibility to ensure you possess the necessary authority to do so. Additionally, you are permitting us to utilize their NPI in line with this Privacy Policy.
We and our service providers may use your information for various purposes, such as:
To create your account;
To process transactions such as your prequalification or loan application(s);
To underwrite your prequalification application;
To underwrite your loan;
To provide you with information about special offers or promotions;
To verify your identity and prevent fraud;
To offer you products and services;
To communicate with you about your transactions;
To communicate with you about your account and collect amounts you owe;
To customize your experience on the Site or to serve you with specific content or ads that are relevant to you;
To improve the Site, our marketing and our Site offerings;
For our internal business purposes;
For other purposes that are disclosed at the time you provide your information or as otherwise covered in this Policy; and
To the extent necessary to enforce the Terms of Use.
We may share NPI under specific circumstances which may include:
With our subsidiaries and affiliates;
With service providers who perform data or Site-related services on our behalf (e.g., email, hosting, maintenance, backup, analysis, etc.);
With service providers who perform surveys, product or customer experience reviews, or customer research studies on our behalf;
For identity verification and fraud prevention;
With credit bureaus to obtain credit reports;
With service providers to prepare, deploy, and analyze advertising content, including for joint marketing with other companies;
To the extent that we are required to do so by law;
In connection with any legal proceedings or prospective legal proceedings;
To establish, exercise, or defend our legal rights, including providing information to others for the purposes of fraud prevention;
To any person who we reasonably believe may apply to a court or other competent authority for disclosure of that NPI where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that NPI;
To any other person or entity as part of any business or asset sale, equity transaction, merger, acquisition, or in preparation for any of these events; and
To any other person or entity where you consent to the disclosure.
Refer to our Privacy Notice for details on information sharing with third-parties.
To ensure the security of your information, we may require identity authentication for certain transactions on the Site. You are solely responsible for safeguarding your access credentials and must notify us of any unauthorized use of your account.
Cookies are small text files stored on your device (computer, smartphone, tablet) when you visit a website. They help the website recognize your device and store certain information about your preferences or actions.
We use cookies for analytics, feature functionality, advertising, and basic Site functions, such as page navigation. These cookies help us improve website performance, personalize the user experience, and analyze website traffic to implement marketing strategies.
You can control or delete cookies through your browser settings. However, please note that disabling certain cookies may affect the functionality and experience of our website.
The Site may contain links to third-party websites where NPI is collected. We don’t govern these external sites and, therefore, visiting them is at your own discretion and risk. Your privacy rights on linked sites are bound by their respective privacy policies.
The Site is intended for individuals 18 years of age or older. We do not knowingly collect NPI from children under 13. If we learn that we have collected the information of a child under 13, we will delete the information as soon as possible.
We may collect online activity data for tailored advertising. Third-party networks and analytics providers assist us in this process, enabling us to serve relevant ads based on your interactions with our Site.
You can exercise choice regarding personalized advertising through available opt-out options provided by third-party advertisers.
We utilize Google Analytics, a web analytics service offered by Google, Inc., to better understand how users engage with our Site and Services. Google Analytics employs cookies and similar tracking technologies to analyze user interactions, create activity reports, and offer services related to their engagement and usage patterns. The data collected by Google Analytics may include your IP address, visit time, whether you’re a returning visitor, and referring website details. Importantly, Google Analytics’ tools do not gather information that directly identifies you personally. The information produced by Google Analytics is sent to and stored by Google, subject to their privacy policies. For more information on Google’s partner services and to explore opting out of Google Analytics tracking, you can visit here.
You may cancel any marketing emails by following the instructions included in our promotional emails. However, please note that opting out might be limited to specific types of emails if you choose to do so. For text message subscriptions, you may opt out of SMS at any time by replying “STOP” to any text message received from Credit Central. After you reply “STOP,” Credit Central will send one more text message to confirm you have withdrawn consent. For additional information, please refer to our Text Messaging (SMS) Policy.
Other subscriptions will remain unaffected. Also, certain communications related to your account, transactions, or site usage, such as administrative and service announcements, may be unaffected even if you opt-out of our marketing messages.
We implement commercially reasonable security protocols to safeguard the NPI we gather and store against loss, misuse, destruction, or unauthorized access. Despite our efforts to utilize accepted commercial methods for safeguarding your NPI, it’s important to note that no security measure or method of transmitting data over the Internet is entirely foolproof. While we strive for optimal protection, we cannot assure absolute security.
This Privacy Policy is specific to our Site and doesn’t extend to third-party sites or applications.
We partner with third-party processors to enable certain site functions. To safeguard your NPI, we have implemented specific protocols with our shared service providers. These measures ensure that your information is handled in accordance with relevant data security and privacy laws, maintaining an appropriate level of protection.
For example, we use the following third-party processors:
Repay (Privacy Policy) – connects us with your bank accounts for payments;
ACI Worldwide (Privacy Policy) – enables us to send your loan proceeds electronically; and
Plaid Inc (Privacy Policy) – assists with ID verification and fraud prevention.
We also use third-party processors, for example, for cloud storage services, to conduct surveys, and to provide other Services to you.
The Site is not currently configured to respond to Do Not Track Signals.
We reserve the right to modify or supplement this Policy at any time.
If you have any questions or feedback concerning our Policy, please contact us.