Privacy Policy

1. Information We Collect

1.1 Information You Provide

We collect information you provide directly to us, including:

• Account Information: Name, email address, phone number, password, and business information (for contractors)
• Financial Information: For loan pre-qualification, we may collect income, employment status, credit score range, and loan amount requested
• Identity Verification: Date of birth, Social Security Number (last 4 digits for soft credit checks), and address
• Communications: Information in emails, chats, or other communications with us

1.2 Information Collected Automatically

When you use our Services, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Information: Pages visited, time spent, clicks, and navigation patterns
• Location Information: General location based on IP address
• Cookies and Tracking: We use cookies and similar technologies to enhance your experience

1.3 Information from Third Parties

We may receive information from:

• Lending Partners: Loan status, approval decisions, and offer details
• Credit Bureaus: Credit information for pre-qualification (soft inquiries only, which do not affect your credit score)
• Analytics Providers: Aggregated usage data

2. How We Use Your Information

We use your information to:

• Provide, maintain, and improve our Services
• Process loan pre-qualification requests and connect you with lending partners
• Display personalized financing offers and credit card options
• Communicate with you about your account, applications, and offers
• Send marketing communications (with your consent)
• Detect and prevent fraud and security threats
• Comply with legal obligations
• Analyze usage patterns to improve our platform

3. How We Share Your Information

We may share your information with:

• Lending Partners: To process your loan applications and provide financing offers. This sharing is essential to our Services.
• Credit Card Partners: To connect you with 0% APR credit card offers through our partner networks
• Service Providers: Third parties that help us operate our platform (hosting, analytics, customer support)
• Legal Requirements: When required by law, court order, or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

4. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and login status
• Understand how you use our Services
• Provide personalized content and offers
• Measure the effectiveness of our marketing

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our Services.

5. Data Security

We implement industry-standard security measures to protect your information, including:

• SSL/TLS encryption for data in transit
• Encryption of sensitive data at rest
• Regular security assessments and audits
• Access controls and employee training
• Secure data centers with physical security measures

While we strive to protect your information, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to provide our Services and fulfill the purposes described in this Privacy Policy. We may retain certain information as required by law or for legitimate business purposes, such as resolving disputes and enforcing our agreements.

7. Your Rights and Choices

Depending on your location, you may have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Receive your data in a portable format
• Opt-Out: Opt out of marketing communications
• Do Not Sell: Request that we not sell your personal information

To exercise these rights, contact us at privacy@getsimpledirect.com.

8. California Privacy Rights (CCPA/CPRA)

California residents have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know: What personal information we collect, use, and share
• Right to Delete: Request deletion of your personal information
• Right to Correct: Request correction of inaccurate information
• Right to Opt-Out: Opt out of the sale or sharing of personal information
• Right to Non-Discrimination: We will not discriminate against you for exercising your rights

Categories of Information Collected: Identifiers, financial information, commercial information, internet activity, geolocation data, and professional information.

Note: Personal information collected in connection with loan applications may be subject to the Gramm-Leach-Bliley Act (GLBA) rather than CCPA/CPRA.

9. Children's Privacy

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child, we will delete it promptly.

10. Third-Party Links

Our Services may contain links to third-party websites and services, including lending partners and credit card issuers. This Privacy Policy does not apply to those third parties. We encourage you to review the privacy policies of any third-party services you use.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and updating the "Last Updated" date. Your continued use of our Services after such changes constitutes acceptance of the updated Privacy Policy.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact our Privacy Team. For general product or account support that is not privacy-related, please contact our Support Team.