Effective Date: November 29, 2024
1. Introduction
Welcome to the Privacy Policy of Wise Owl Loans. WiseOwlLoans.com (“we,” “us,” or “our”) is committed to protecting your personal information. WiseOwlLoans.com is a leading U.S.-based financial marketing network that provides information and referrals to third-party lenders or financial technology companies. This Privacy Policy explains how we collect, use, share, and protect your personal information. By using our website and services, you consent to the practices described in this Privacy Policy.
2. Information We Collect
We collect personal and financial information when you use our website and services. This may include:
- Personal Information: Name, email address, mailing address, phone number, age, gender, date of birth, and other identifying information.
- Financial Information: Social Security number, employment details, income, and banking information.
- Sensitive Information: Information related to your creditworthiness, such as your credit history or details obtained through consumer credit reports.
- Other Information: Any additional information you provide when filling out forms, submitting requests, or contacting us.
We may also collect information from third-party sources, such as our lending partners or lead referral networks, to enhance the services we offer.
3. How We Use Your Information
We use the information we collect in several ways, including:
- To connect you with third-party lenders and financial service providers.
- To improve our services and user experience.
- To send you promotional communications (you can opt out of these communications at any time).
- To verify your identity and ensure the accuracy of the information submitted.
- To comply with legal or regulatory obligations.
4. Sharing Your Information
We share your personal information with third parties in the following ways:
- With Lenders and Financial Service Providers: When you submit a request for a loan, we will share your information with third-party lenders who may offer loan products that match your needs. By submitting your information, you consent to sharing your personal information with our lending partners.
- With Credit Reporting Agencies: If you proceed with a loan application, our lending partners may request a credit report from a consumer credit reporting agency (such as TransUnion, Equifax, or Experian). This may result in a hard credit inquiry, which can affect your credit score.
- With Service Providers: We may share your information with third-party service providers, such as data storage or analytics companies, who help us manage and enhance our services.
- In Compliance with Legal Requirements: We may share your information if required by law, such as in response to a subpoena, court order, or other legal request.
5. Third-Party Websites and Services
WiseOwlLoans.com may provide links to third-party websites or services. We are not responsible for the privacy practices or the content of these third-party sites. When you leave our website and interact with a third-party service, you should review their privacy policy and terms of service.
6. California Privacy Rights (CCPA)
If you are a resident of California, you have specific rights under the California Consumer Privacy Act (CCPA). These include the right to:
- Request access to the personal information we collect about you.
- Request deletion of your personal information (subject to certain exceptions).
- Opt-out of the sale of your personal information (if applicable).
To exercise these rights, please contact us at [email protected].
7. Protecting Your Personal Information
We implement reasonable safeguards, including physical, organizational, and technical measures, to protect your personal information against unauthorized access, loss, or theft. However, no data transmission over the internet can be guaranteed to be 100% secure, and we cannot ensure the absolute security of your information.
8. Data Retention
We will retain your personal information as long as necessary to provide you with our services, comply with legal obligations, resolve disputes, and enforce our agreements. After this period, we will securely delete or anonymize your information.
9. Your Choices
You have the right to:
- Opt-out of receiving promotional emails from us by using the unsubscribe link provided in each email.
- Withdraw your consent for data sharing with third-party lenders by contacting us at [email protected]. Note that withdrawing consent may limit your ability to receive loan offers through our platform.
- Access, update, or delete your personal information by contacting us directly.
10. Changes to Our Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.
11. Children’s Privacy
Our website and services are not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will delete that information as soon as possible.
12. Contact Us
If you have any questions or concerns about this Privacy Policy or the way we handle your personal information, please contact us at [email protected]