Privacy Policy
easypafinanceapply.com ("we," "our," "us") provides this Privacy Policy to describe how we collect, use, disclose, and protect Personal Information when you visit our website.
We encourage you to read this Privacy Policy and to use it to help you make informed decisions.
We revise this Privacy Policy from time to time to reflect changes to our business, Services, or applicable laws. If a revised version requires notice in accordance with applicable law, we will provide advance notice by posting on this page; otherwise, the revised Privacy Policy will be effective as of the published effective date.
HOW THIS POLICY APPLIES
This Policy has two parts so you can clearly see which rules apply to which data uses:
- Part A — GLBA/FCRA ("GLBA Track") — Applies to nonpublic personal information (NPI) collected in connection with your loan offer request, and to any credit information we obtain with your written instructions (e.g., a soft credit inquiry) to evaluate you for alternative financial solutions.
- Part B — State Privacy Laws ("State Track") — Applies only to NPI processed on this site that is not subject to GLBA/FCRA—for example, site telemetry, or advertising/analytics outside of the GLBA context.
If information you submit relates to a financial-product request, GLBA controls even if the same identifiers also appear in other contexts.
PART A — GLBA/FCRA PRIVACY NOTICE
WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Identifiers and contact information (e.g., name, email, phone numbers, address).
- Application/request information (e.g., date of birth, military and employment status, employer and job title, time at job and address, income and pay details, requested amount and purpose, whether you own a car or home, mortgage status, self-reported credit score or debt amount, best time to call).
- Sensitive identifiers (e.g., Social Security number; driver's license number and issuing state).
- Financial account information (e.g., bank name, routing and account number, account type, time with bank, direct deposit status).
- Transaction and experience information related to your request and interactions with us.
- Credit information (e.g., results of a soft inquiry obtained with your written instructions).
- Technical and security data used to protect and process your request (e.g., IP address and device/user-agent, cookies/session identifiers used for fraud prevention, authentication, and consent logging).
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons we choose to share; and whether you can limit this sharing.
SHARING YOUR PERSONAL INFORMATION
| Reasons We Can Share | Do We Share? | Can You Limit? |
|---|---|---|
| For our everyday business purposes — to process your request, verify identity, prevent fraud, evaluate eligibility | Yes | No |
| For our everyday business purposes — information about your creditworthiness | Yes | No |
| For our marketing purposes — to market our own websites and Services to you | Yes | No |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates' everyday business purposes — transactions and experiences | No | We don't share |
| For our affiliates' everyday business purposes — creditworthiness | No | We don't share |
| For our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | Yes | Yes |
To Limit Our Sharing: Email [email protected] with subject "GLBA opt-out" and include your name, email, and phone number used on your request.
DEFINITIONS
- Affiliates: Companies related by common ownership or control.
- Non Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.
- Third-party Marketers: Non-affiliated providers or promoters of personal-finance products/services.
- Lending Partners: Non-affiliated lenders, together with their intermediaries and service providers acting on their behalf.
- Marketing Partners: Lending Partners and Third-party Marketers.
HOW WE PROTECT YOUR INFORMATION
We employ industry-standard security measures, including:
- Secure transmission of credit data under GLBA Safeguards (encryption).
- Firewalls and secure data storage.
- Restricted access to sensitive information.
- Multi-factor authentication.
- Regular security assessments.
- Breach response plans.
- Controlled data sharing with strict security and confidentiality obligations.
However, no method of transmission over the Internet is 100% secure.
HOW DO WE COLLECT YOUR PERSONAL INFORMATION?
We collect your personal information when you:
- Submit an inquiry on our platform or on our affiliates' websites.
- Interact with our website, including browsing, filling out forms, answering surveys.
- Communicate with us.
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies as permitted.
PART B — STATE PRIVACY NOTICE
NOTICE AT COLLECTION
Scope: This Notice at Collection summarizes what personal information we collect at or before the point of collection, the purposes for which we use it, how long we retain it, and whether we sell or share it (as those terms are defined by applicable U.S. state privacy laws).
Selling/Sharing: We sell certain personal information (for example, lead information) to our Marketing Partners so they can contact you about their products or services. You can exercise your right to opt out of sale/sharing at any time.
Use/Disclosure of Sensitive Personal Information: We use or disclose Sensitive PI (e.g., SSN, driver's license) only as necessary to provide requested services, verify identity, ensure security, and comply with law.
Retention: We retain personal information only as long as needed for the purposes described above or as required by law.
YOUR RIGHTS
| Right | Description |
|---|---|
| Right to Know / Access | Request disclosure of categories and specific pieces of personal information collected about you. |
| Right to Delete | Request deletion of personal information we have collected from you. |
| Right to Correct | Request correction of inaccurate personal information we maintain about you. |
| Right to Data Portability | Obtain and reuse your personal information in a structured, machine-readable format. |
| Right to Opt-Out of Sale/Sharing | Opt out of the sale or sharing of your personal information. |
| Right to Limit Use of Sensitive PI | Request limitation on the use or disclosure of your sensitive personal information. |
| Right to Non-Discrimination | Not be discriminated against for exercising your privacy rights. |
| Right to Appeal | Appeal a decision if we deny your request. |
HOW TO EXERCISE YOUR RIGHTS
To request access, correction, or deletion of your personal information; or to limit use of sensitive PI, please email us at [email protected] and include your name.
CHILDREN'S PRIVACY
Our services are not intended for children under the age of 18. We do not knowingly collect, use, sell, or share the personal information of individuals under 16 years of age. If we learn that we have inadvertently collected personal information from a person under 16, we will delete that information as quickly as possible.
RETENTION PERIOD DISCLOSURE
We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, or as required by law. Retention periods vary depending on the type of data and our legal or operational obligations.
COOKIES AND TRACKING TECHNOLOGIES
We use cookies and similar tracking technologies ("Cookies") for lawful purposes, including to track lead generation activities, remember your choices and preferences, improve your user experience, and analyze traffic to our Site. Certain Cookies are also used for security, fraud prevention, and to help us measure the effectiveness of our marketing.
Most browsers allow you to block, delete Cookies, and alert you when Cookies are being set.
DO NOT TRACK
We do not engage in tracking individuals across third-party websites or online services, so our Site does not respond to "Do Not Track" browser settings or signals.
CONTACT US
For questions or concerns about our Privacy Policy and information practices, please contact us at [email protected].