Privacy Policy

We are committed to protecting your privacy and securing your information. Please read our full privacy policy below.

This privacy statement applies to www.creditloan.com owned and operated by Credit Loan, LLC ("Credit Loan", "we", "us", "our"). This privacy statement describes how Credit Loan, LLC collects and uses the personal information you provide on our web site: www.creditloan.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

Personal Information

This notice applies to all information collected or submitted on the creditloan.com website. We may collect all information you provide, whether through our website(s) or other channels which may include without limitation: (a) your full name; (b) mailing address; (c) e-mail address; (d) home, work and mobile telephone numbers and the best time to call you; (e) date of birth; (f) your Social Security Number; (g) whether or not you are a US citizen; (h) whether or not you are over eighteen (18) years of age; (i) whether or not you or a spouse are a regular or reserve member of the military; (j) your time at your current residence; (k) whether or not you rent or own your home; (l) your occupation, employer name and time spent at your current job; (m) the loan amount requested; (n) your annual, pre-tax income; (o) how you are paid; (p) how frequently you are paid; (q) the anticipated dates of your next two (2) paychecks; (r) the names, telephone numbers and source of relationship of two (2) personal references; and (s) any and all other information requested on the applicable registration form. For purposes of this Privacy Statement, items (k) through (r) in the preceding sentence shall be considered Sensitive Information.

Use of Personal Information

By submitting your personal information, you understand and agree such personal information (including the Sensitive Information) may be shared with third-parties, including without limitation, Loan Providers in order to complete your request for Loan Products and/or other marketing purposes. We reserve the right to share, rent, sell or otherwise disclose your information with/to third parties in accordance with applicable laws and as described herein. These third party businesses may include, but are not limited to: consumer reporting agencies, consumer credit bureaus, financial service providers, Loan Providers, providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; e-mail marketers; wireless services providers and telemarketers. Furthermore, you authorize us to use any information collected from you to obtain other information about you from third-parties, such as your social security number, where such information was incompletely or improperly filled out on our registration form. Third–parties may also use your personal information for any lawful purposes, subject to any restrictions contained herein. Any information that you supply to any third-party or Loan Provider shall be governed by the applicable third party’s or Loan Providers' Privacy Policies. Any and all information that we collect from you and from any third-party may be used to determine your eligibility for any product, service or offer.

Please be advised that CreditLoan™ does not itself provide Loan Products, Services, Brokering or Customer Service related to any application submitted by you, or any other related products and/or services. The ultimate terms and conditions of any Loan Products and Information provided by any Loan Providers will be determined by those Loan Providers.

Please note: by submitting your personal information, your information is being provided by you freely. You further agree to receive marketing offers from us or third-party marketers, that we or they may believe may be of interest to you, and you expressly consent and agree to be contacted through but not limited to the following methods: (a) direct mail marketing; (b) e-mail marketing; (c) telemarketing calls (where permitted by applicable law); (d) SMS text-based messages (where permitted by applicable law); and (e) any other manner contemplated herein. By using this Website, you agree that you may be contacted in any manner contemplated in this section, even if your number is found on a do-not-call registry or similar registry.

We may also use personal information for website administrative customer service, to provide our visitors with information which may be requested, to customize visitor experiences on the Site, and for internal business purposes, such as analyzing and managing our business. Third parties may be used to assist in the operation of this Site or to administer activities on our behalf. These companies are authorized to use your personal information only as necessary to provide these services to us.

We specifically reserve the right to release current or past user information, as it is made available to us from third-parties, in the event the user is using, or has used, our products, services and/or Site: (i) in violation of the Site’s Terms and Conditions, this Privacy Statement or any of our operating rules, policies, and/or other supplemental terms and conditions or documents that may be published from time to time; (ii) to commit unlawful acts; (iii) in response to lawful requests by public authorities; if such information is subpoenaed or requested pursuant to a judicial or regulatory proceeding or inquiry or similar legal process; when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request (iv) if this Site is sold or acquired, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information; and/or (v) when deemed necessary or appropriate including, without limitation to, sharing your e-mail address with other third parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission implementing regulations.

By registering, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "Rule") and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable federal or state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations.

In addition, by submitting your personal information, you agree to receive mobile marketing including, but not limited to, text-message based marketing, from us and our third party advertisers and marketers (where, and to the extent that, such marketing is permitted by applicable law). You further agree that based on your individual carrier and plan, you may incur charges associated with such SMS Messages and that you agree to be solely responsible for such charges. You represent that you are at least 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. Should you hereafter choose to opt-out of receiving SMS Messages from the individual sender, you may opt-out by texting "STOP" or "OPT-OUT" as specifically set forth in the communication. Notwithstanding that your mobile telephone number may be listed on state and/or federal do-not-call registries, we retain the right to contact you via SMS Messages. In addition, by registering and/or using the Website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time. As such, notwithstanding that your mobile telephone number may be listed on state and/or federal Do-Not-Call registries, we retain the right to contact you via text-message based marketing in accordance with applicable state and federal law.

Without limiting the generality of the foregoing, we reserve the right to share, sell, rent, lease and/or otherwise distribute any and all personal information (other than the Sensitive Information) with/to any third party for any and all uses permitted by this Privacy Statement and applicable law.

If you have questions or concerns regarding this statement, you should contact customerservice@creditloan.com. Credit Loan, LLC is committed to protecting your privacy when you visit our web site. You can access Creditloan.com and browse our site without disclosing any of your personal information.

Automatically Collected Information

We may also use your IP addresses to compile and provide aggregate statistics about our visitors, traffic patterns, and administer and improve the site. This statistical information may also be related to third parties, track user's movement, and gather demographic and profile information for aggregate use. We may also use third-party analytics services to record information, including without limitation, mouse clicks, mouse movements, and scrolling activity as well as text you type in the Web site, which may be used by us or third-parties to understand how users interact with the site.

Access to Personally Identifiable Information

We will retain your information for as long as needed to provide you services. If you would like to review, update or remove your personally identifiable information, you may submit your request by contacting us at customerservice@creditloan.com, sending your request via postal mail to Corporate Center One @ International Plaza, 2202 N. West Shore Blvd. Suite 200, Tampa, FL 33607. In order for us to process your request, we will need to be able to verify your identity to the extent necessary to ensure that you are the person you represent yourself to be. As appropriate under the circumstances of the request, you may be required to comply with one of the following identification verification methods:

1. Certification of Identity: Provision of a completed Certification of Identity. A template certification of identity is available here.
2. Official Photo Identification: Provision of an official photo identification, which includes, but is not limited to, the following:
   • A valid driver’s license.
   • An unexpired passport.
   • An unexpired federal government-issued employee identification card.

You will be provided a reasonable amount of time to provide sufficient identity verification. Any request may be denied for lack of sufficient identity verification.

Credit Disclosure

You expressly acknowledge and agree that lending partners who review the information you submit may obtain credit checks, consumer credit reports and other personal data from Experian, Equifax, Trans Union or through alternative providers. Such information may be used by a lending partner, as permitted by law, in order to (i) authenticate and verify your identity based on the information you provide; (ii) assess your eligibility for credit and identify products and/or services which may be available to you; (iii) determine your debt to income ratio; (iv) obtain a credit score.

Electronic Disclosure

By submitting your information via the Internet, you agree to receive certain notifications, disclosures and/or documents electronically. This Consent to Electronic Disclosures applies to the information you are providing on this Site and any other communications we or any third party lender may provide to you. By submitting your information you agree to receive all such notifications, disclosures and/or documents from us or any third party lender in electronic form or online in accordance with this document. You may withdraw your consent prior to submitting your information by exiting the website or by closing your browser. However, you will not be able to submit your information if you withdraw your consent by exiting the website or closing your browser. Following the submission of your information, you may be able to withdraw your consent to future electronic disclosures from a third party lender by contacting the lender directly, but due to rules regarding the timing of delivery of disclosures that need to be made to you, you acknowledge that an opt-out notice may not be received and acted upon by such third party lender prior to such disclosures being delivered to you electronically. We do not process opt-out communications for third party lenders, and each third party lender establishes its own rules regarding opting out of future electronic communications and disclosures.

All notifications, disclosures and/or documents that we or any third party lender provide to you in electronic format will be provided either (i) via e-mail; (ii) by access to a secure customer service website which will be provided to you in an e-mail notice sent to you when the documents are available; (iii) by posting on this Site or the lender’s site; or (iv) by posting on a website designated for that purpose. All notifications, disclosures and/or documents provided in electronic or paper format from us or any third party lender to you will be considered “in writing,” and you should print a copy for your records. You may obtain any notifications, disclosures and/or documents in paper form without charge from us by printing them yourself from our website or the appropriate third party lender’s website when available. To access, view and retain the notifications, disclosures, and/or documents available to you in electronic form, you must have Internet access, sufficient electronic storage capacity, an e-mail account with an Internet service provider e-mail software.

You agree and intend the federal Electronic Signatures in Global and National Commerce Act to apply to (i) your consent to receive notifications, disclosures and/or documents in electronic form; (ii) the information you provide, and (iii) our and/or any third party lenders’ ability to conduct business with you by electronic means.

By completing and submitting your information, you (i) agree to provide us with an accurate and complete e-mail address and other required information requested on this Site; (ii) confirm your consent to receive notifications, disclosures and/or documents from us and any third party lender in electronic format; (iii) affirmatively demonstrate your ability to access the notifications, disclosures and/or documents in electronic form; (iv) confirm that you have provided a current e-mail address at which electronic notifications, documents and/or disclosures can be sent to you; (v) acknowledge that you have read and reviewed the terms contained in this Electronic Disclosure section; and (vi) agree to the terms contained in this Electronic Disclosure section.

We and any third party lender, reserve the right, in our sole discretion, to discontinue electronic provision of notifications and/or documents. You will be provided with notice of any such termination or change as required by law.

To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that all records may be stored electronically; and that neither we nor any third party lender will retain and have no obligation to retain any original or electronic documents for any period of time beyond the regulatory requirements. This applies to all notifications, disclosures and/or documentation. You further acknowledge and understand that all original and electronic notification, disclosures and/or documentation will be routinely destroyed, but not before the period of time designated by regulatory requirements. Records may be stored electronically via imaging, scanning, filming or other technology used for the storage of documentation via internal processes or third-party processors that we or any third party lender approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. We will retain your information for as long as needed to provide you services. If you wish to request that we no longer use your information to provide you services please contact us at customerservice@creditloan.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Our Commitment to Children's Privacy

Protecting the privacy of young children is important to us. For that reason, we do not collect or maintain information from those believed or actually known to be under 18 years of age, and no part of our site is structured to attract anyone under 18 years of age.

Email Campaigns

We use your e-mail address to: Send you newsletters, and other customer related material.

Creditloan.com has a zero tolerance policy for e-mail abuse. If you receive unsolicited e-mails from creditloan.com please report it to us at customerservice@creditloan.com.

We will never ask you to provide non-public or sensitive information in an e-mail. DO NOT RESPOND to an e-mail that appears to be from us requesting non-public or sensitive information the e-mail. Contact us immediately by e-mail at customerservice@creditloan.com

We do not store e-mail addresses from correspondence sent to us. If you contact us by e-mail we will respond by email. Creditloan.com will not use or store your email address in our database from such correspondence.

Choice/Opt-out

You may opt-out of receiving communications from us and or our third-party associates by not submitting your information. When you enter your personal information at the Web site, you have opted-in to request that we share your personal information with third parties to receive marketing communications. When contacted by any of these third-party marketers, you should notify them directly of your choices regarding their use and sharing of your information and may opt-out of receiving additional offers from them or any third-parties with whom they have shared your information. If you no longer wish to receive our newsletter and/or promotional communications from us, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing us at customerservice@creditloan.com. We also offer an opportunity to opt-out of certain communications utilizing the online contact us link.

Text Message Policy

By providing your cell phone number, you have provided Credit Loan, LLC with consent to send you recurring text messages in conjunction with the services you have requested.

• You may opt-out at any time by texting the word STOP. An opt-out confirmation message will be sent back to you.
• For help, text the word HELP.
• Message frequency varies. Message and data rates may apply.
• To request support, Text HELP.

MMS - If your phone doesn’t support MMS, you’ll receive SMS instead.

This program is supported by all U.S. carriers. Credit Loan, LLC, carriers (including but not limited to T-Mobile) and any service provider used by Credit Loan, LLC to send messages are not liable for delayed or undeliverable messages.

Co-Branded Disclosure and External Web Sites

Please note that Creditloan.com contains links, co-branded links, and forms that direct to other web sites. Please be aware that we are not responsible for the privacy practices of these other web sites. In any case that you fill out an application that looks like it is located on www.creditloan.com , it will not be collected by our web site, but by the affiliate or Loan Provider website. We encourage you to be aware while using our site, when you leave our site, and to read the terms and conditions and/or privacy statements of each and every site seeking your personal information.

Tracking Technologies

Technologies such as: cookies or similar technologies are used by Credit Loan, LLC and our partners, affiliates, or analytics or service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

We use cookies for authentication and security purposes. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

As is true of most web sites, we gather certain information automatically and store it in log files. This information includes Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.

We may combine this automatically collected log information with other information we collect about you. We do this to ensure that the services we offer to you function properly and to ensure the best possible user experience.

We partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests.

Blog

Our Web site offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at customerservice@creditloan.com In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Our blog is managed by a third party application that may require you to register to post a comment. We do not have access or control of the information posted to the blog. You will need to contact or login into the third party application if you want the personal information that was posted to the comments section removed. To learn how the third party application uses your information, please review their privacy policy.

Security

The security of your personal information is important to us. When you enter your name and email address in our newsletter subscription and contact us forms order forms, we encrypt that information using secure socket layer technology (SSL). To learn more about SSL, follow this link http://www.webopedia.com/TERM/S/SSL.html

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you have any questions about security on our Web site, you can email us at: customerservice@creditloan.com.

Data Retention

We will retain your information for as long as your account is active or as needed to provide you services. Please contact us if you wish to cancel your account or request that we no longer use your information to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Social Media Widgets

Our Web site includes Social Media Features, such as the Facebook Like button and Widgets, the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Disclaimer and Information about Creditloan.com

Please view our official disclaimer page here: Disclaimer.

Creditloan.com is an online directory and resource for credit, loans, bad credit services, debt consolidation, and credit repair. We are in the Yahoo directory in the US, Canada, and UK. Credit Loan, LLC is located in the Southwestern United States catering to users across the world. We are not a bank, broker, or lender.

We offer tips from consumers and opinionated advice and we are not responsible for any actions or decisions made by any Loan Provider, Lenders, and/or Banks. Furthermore, changing financial markets along with the steadily changing lender rules and guidelines, the information about lenders and loan processes may not always be updated timely on our site. Actual lenders will be able to give you complete and accurate information regarding their services and terms once you get to their respective websites. We are not responsible for lender decisions. We are simply an informational resource and are not involved in the lending process.

Copyright Notice

All materials contained in this website are protected by federal copyright laws, and may not be reproduced, republished, distributed, displayed, or otherwise exploited in any manner without the express prior written permission of Creditloan.com. Our official copyright statement can be viewed here: Copyright Statement.

We routinely check for copyright violations and content duplication. Federal legal action will be taken against anyone found using creditloan.com articles and/or content with the expressed written permissions and/or consent from our owner.

Contact

If you have questions or comments, email us at customerservice@creditloan.com, or mail us via postal mail at:

Credit Loan, LLC
Corporate Center One @ International Plaza
2202 N. West Shore Blvd., Suite 200
Tampa, Florida 33607

Changes to Privacy Statement

We reserve the right, in our sole discretion, to change, modify, add and/or remove portions of this Privacy Statement at any time. Please check the Site periodically for any changes. Your continued use of the Site and/or acceptance of our e-mail communications following the posting of changes to this Privacy Statement will constitute your acceptance of any and all changes.

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage.

Updated April 19, 2022