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Privacy Policy

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This Privacy Policy is effective as of March 5, 2019.

This Privacy Policy replaces any privacy policy previously delivered to you or appearing on the FederalCreditLoans.com website. The terms of this Privacy Policy shall nullify all prior Privacy Policies. In the case of a conflict between this Policy and any previously delivered document or agreement, this Policy will be controlling.

Notice

FederalCreditLoans.com is fully committed to protecting the privacy of our website visitors’ personally identifiable information (“PII”). This Privacy Policy explains our online information practices and your choices regarding the manner in which your information is used and shared on this website.

Your use of this website is subject to this Privacy Policy and to the FederalCreditLoans.com Terms of Use. By continuing to use this website, you indicate that you consent and agree to the terms contained herein. Please note that this site is not intended for users who are under the age of 18 or who are not legal US Residents. If you do not agree to the Terms of Use and Privacy Policy, are not over the age of 18, or are not a legal US Resident, please do not attempt to use FederalCreditLoans.com’s services.

About Our Service

FederalCreditLoans.com offers an online financial marketplace that attempts to connect prospective borrowers with independent, third-party lenders and financial service providers who may be able to provide the prospective borrower with a loan. When a consumer submits their information through FederalCreditLoans.com and requests to be contacted regarding a potential loan offer, FederalCreditLoans compiles and organizes this information and delivers it to businesses and networks that may be able to satisfy the consumer’s request. In addition to collecting information via consumer requests on this website, FederalCreditLoans may also obtain information from third party databases, by purchasing information about consumers who have expressed an interest in being contacted about products and services similar to those offered by FederalCreditLoans.com.

Your personal information is collected and retained so that FederalCreditLoans.com can communicate with you about your request, process your request, and/or communicate with you about additional offers or services that you may be interested in. Please note that the examples provided in this Privacy Policy are illustrative only and are not intended to be exclusive. Your continued use of the FederalCreditLoans.com website constitutes your affirmative consent to the sharing and use of your PII and Non-PII for the purposes discussed in this policy.

Types of Information We Collect

FederalCreditLoans.com collects and combines both personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) from our website visitors. User PII is data that is collected in order to specifically identify, contact or locate a person. Non-PII is data that is not used to specifically identify, contact or locate an individual. This information is collected when you submit a request or otherwise provide your information to us, and may also be collected through other sources as disclosed in this policy.

Types of PII that FederalCreditLoans.com collects may include, but are not limited to: social security number, first name, last name, address, Zip Code, city, state, length of stay at address, whether you rent or own, your e-mail address, driver's license or state ID number, telephone number, work telephone number, time at which you may be contacted, birth date, birth year, whether you are related to someone in the armed forces, whether you make income from job or from benefits, your employer name, duration of employment, employer's phone number, job title, frequency of compensation, your pay dates, your IP address and computer specifications, your ABA/routing number, your bank account number, nature of bank account, name of bank, bank phone number, duration with bank, whether you get paid by direct deposit, monthly net income, and loan amount desired. Types of Non-PII that FederalCrdeditsLoans.com collects may include, but are not limited to: Zip Code, gender, age, or IP address.

In addition to this information, FederalCreditLoans.com may also obtain Information about you from third parties. This information includes, but is not limited to: credit reports, information about your home, and demographic information. Please note, however, that FederalCreditLoans.com does not pull a credit bureau report on customers without their permission.

FederalCreditLoans.com may also utilize cookies to track and target the interests of our users to enhance their overall experience on our site. These cookies may be tied to your PII. Please note that FederalCreditLoans.com does not honor do-not-track signals.

How We Use and Share Your Information

FederalCreditLoans.com uses the information it obtains about you in order to facilitate your request and to contact you about updates and offers that may be of interest to you. When you submit your loan request through our website, you are granting us express permission to share your PII and Non-PII with affiliated third parties. You are also granting FederalCreditLoans.com and affiliated third parties permission to contact you using the contact information you have provided. These third parties may include, but are not limited to: banks, commercial lenders, unsecured lenders, secured or titled lenders, and licensed loan brokers, financial service providers (such as mortgage and life insurance agencies), title service companies, debt and credit services companies and auto-finance companies. Please note that once your information is transferred to a third party, the third party’s Privacy Policy will govern how they use your information.

In addition to the purposes discussed above, FederalCreditLoans.com will also use your contact information in order to deliver site and service announcements and updates. These announcements contain important information about our services, and are sent to all members, including those who have opted-out of promotional e-mails. Your information may also be used to contact you about issues regarding your account, or to respond to you if you have requested to be contacted.

Occasionally, FederalCreditLoans.com may also share some of your information with third-party companies so that they may tailor advertisements to you. FederalCreditLoans.com does this via Google Analytics, a third-party traffic and demographic data tracking service. If you do not wish to have your information collected for these purposes, please visit https://www.google.com/ads/preferences/.

How We Protect Your Information

FederalCreditLoans.com utilizes a variety of top security measures to protect your information from unauthorized access and/or disclosure. Due to the nature of internet transactions, FederalCreditLoans.com cannot guarantee that third parties will never unlawfully intercept or access your information. However, users should feel secure knowing that FederalCreditLoans.com takes adequate measures to avoid such disclosure. For example, provided personal information is stored on computer systems with limited access in controlled facilities, and 2048-bit encryption (such as Secure Socket Layer [SSL] protocol) is used when your confidential information is transmitted online.

Although FederalCreditLoans.com takes substantial measures to protect your information, we cannot guarantee that your information will never be disclosed in ways not outlined in this policy. FederalCreditLoans.com may be required to disclose some or all of your information in special circumstances, including, but not limited to:

  • When the government requests your information and the disclosure is required by law;
  • If FederalCreditLoans.com buys, sells or merges with another business and customer information is one of the assets involved in the transaction;
  • When FederalCreditLoans.com reasonably believes that disclosure is necessary protect its rights or to prevent harm to the website, its owners, visitors, or other parties;
  • In other cases where FederalCreditLoans.com believes in good faith that the law requires the disclosure;
  • Opt-In/Opt-Out

    In addition to the purposes discussed above, FederalCreditLoans.com and affiliated third parties may use the information we collect about you in order to promote additional products and/or services to you. When you submit your contact information to us and agree to the FederalCreditLoans.com Terms of Use and Privacy Policy, you are opting in and agreeing to be contacted about such offerings. Users may also be contacted about these offerings if they have opted-in through an affiliated third-party website. We may contact you about such products and/or services through e-mail, SMS, text messaging, and telephone calls. You will continue to receive emails, SMS text messages, or telephone contacts regarding product and/or service offerings until you choose to opt-out of these promotions.

    FederalCreditLoans.com is a CAN-SPAM compliant company. All e-mail communications sent by FederalCreditLoans.com to consumers will include information about the origin of the e-mail as well as simple instructions for how the consumer can unsubscribe from receiving future e-mail messages from us. Consumers may opt-out of promotional messaging and be removed from our contact lists at any time with no questions asked. If you wish to remove your information from our database so that you do not receive future communications from us, simply click the unsubscribe link in the message you received, visit this unsubscribe link directly, or send an e-mail to support@federalcreditloans.com. Within ten days of receiving your unsubscribe request, we will add you to our internal Do-Not-Contact registry, and you will no longer receive promotional offerings from FederalCreditLoans.com.

    If your information was obtained from a third party, FederalCreditLoans.com will also make efforts to forward your unsubscribe request to the specific third-party that provided your information to us, so that they may unsubscribe you from their registry as well. You should keep in mind, however, that your information may have also been purchased by other third parties in addition to FederalCreditLoans.com, and you may still receive communications from these third parties. FederalCreditLoans.com has no control over the practices of these third parties, and you should contact them directly regarding any do-not-contact and/or unsubscribe requests.

    Updating Your Information

    In order for FederalCreditLoans.com to facilitate your requests, service your account, and contact you, it is important that the information we have on file is correct. We kindly ask that you contact us if your information has changed so that we may update our records. If you would like to verify your information, correct your information, make updates to your information, or disable the use of your personal information, please log into your account on FederalCreditLoans.com, or contact us at: support@federalcreditloans.com.

    Additional Disclosures

    GLB ACT

    For purposes of compliance with the Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (the “GLB Act”), this Privacy Policy shall serve as both Your initial customer relationship and annual “Privacy Notice” as defined under the GLB Act. Please visit FederalCreditLoans.com/unsubscribe to opt-out from disclosing your information to any third-party for marketing services.

    PATRIOT ACT

    Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

    For California Residents

    On September 27, 2013, A.B. 370 was signed into law, amending the California Online Privacy Protection Act to require operators of commercial websites to disclose: (1) How FederalCreditLoans.com responds to "Do Not Track” signals; and (2) Whether third parties collect personally identifiable information (PII) about users on FederalCreditLoans.com. You can find this information within this privacy policy. If you would like further information, simply contact support@federalcreditloans.com.

    Do Not Contact Registry Compliance

    By submitting personal contact and/or financial information, the user hereby grants written permission to FederalCreditLoans.com, its affiliated sites, and its business partners to contact the user via telephone, mail, and/or e-mail, even if the user is on a national do-not-contact registry. By registering at FederalCreditLoans.com you are expressly consenting to receive phone calls from FederalCreditLoans.com and its affiliate/third-party business partners.

    SMS/MMS Messaging Terms

    FederalCreditLoans.com may engage in SMS/MMS messaging with consumers who have opted-in to such communications. Please note that there may be costs associated with such communication, including the cellular service provider's standard messaging rates. Users may opt-out and remove their cell phone number from our SMS list at any type by texting "STOP," "END," or "QUIT" in response to the message received. If you request that your mobile number be removed from our list, we will no longer use it to contact you for promotional purposes, nor will we share your mobile number with any additional third parties.

    TELEPHONE CONSUMER PROTECTION ACT (TCPA)

    By entering your mobile phone number in our website’s form, you expressly agree and consent to receiving telephone communications via an automatic telephone dialing system or by artificial/pre-recorded messages from our website, and/or our affiliate, partners, and lenders that you may be connected with on this website, or our network of affiliates. Your consent is not required to use the website’s services. FederalCreditLoans.com strives to remain in full compliance with the provisions of the Telephone Consumer Protection Act (TCPA) and therefore, we do not call, send SMS messages, or send pre-recorded messages to any consumer without the consumer’s “prior express consent”. Consumers are free to withdraw any prior express consent to receive marketing text messages at any time. Please visit our opt-out page for more information. Message and data rates may apply.

    Minors

    FederalCreditLoans.com does not intend to collect information from children. We do not knowingly collect information from anyone under the age of 18, nor do we use such information for any purpose whatsoever. If you are a parent or guardian and have become aware that someone under the age of 18 has provided us with personally identifying, please contact us at support@federalcreditloans.com and we will promptly remove the information from our database(s).

    Applicability of This Policy

    Please note that the information provided in this Privacy Policy applies only to FederalCreditLoans.com. On occasion, FederalCreditLoans.com may contain links to other websites and/or third-party content. However, FederalCreditLoans.com is not responsible for the practices and policies of these third parties. We advise you to read and understand the privacy statements of each and every website you visit before you provide them with your personally identifiable information.

    Contact Us:

    FederalCreditLoans.com
    The 8 Green
    Suite 6381
    Dover, Deleware 19901

    Customer Support E-Mail:
    support@federalcreditloans.com

    Customer Support Phone:
    (833) 947-2274