We collect personal information you provide directly including name, email, date of birth, financial records, and identification documents. We also collect usage data, device identifiers, IP addresses, and in-platform browsing behavior to enhance experience and ensure regulatory compliance with all applicable financial regulations.
Your data is used to process financial applications, deliver personalized services, comply with regulatory obligations, prevent fraud, and communicate relevant financial products. We use aggregated analytics to improve service quality and develop new features that benefit all clients across our platform.
We never sell your personal data to any third party under any circumstances. We may share information with regulated financial partners, credit bureaus for underwriting, government authorities when legally required, and service providers operating under strict confidentiality agreements governed by applicable financial law.
We employ 256-bit AES encryption for all stored data, TLS 1.3 for data in transit, mandatory multi-factor authentication, biometric login options, and regular third-party penetration testing. Our systems are SOC 2 Type II certified, PCI-DSS Level 1 compliant, and GLBA compliant at all times.
We use essential cookies for platform functionality, analytical cookies to understand usage patterns and optimize performance, and optional marketing cookies to personalize content. You may manage all cookie preferences through your browser settings or our dedicated preference center accessible from any page on our platform.
Financial records are retained for a minimum of seven years as required by federal regulation. Account data is held while your relationship with Finance continues and for up to five years after closure. Non-essential marketing preferences are deleted within 30 days of any valid deletion request submitted through our privacy portal.
You have the right to access, correct, port, or request deletion of your personal data at any time. You may opt out of all marketing communications with immediate effect. Residents of USA and other applicable states have additional privacy rights under state law which we fully honor and respect.
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If we discover that a minor has provided information without verifiable parental consent, we will promptly delete all associated data and close any related accounts without delay.
Our platform may contain links to third-party websites and integrated partner services. Finance is not responsible for the privacy practices of any external sites. We encourage you to review the privacy policies of any third-party services you access through links on our platform before sharing personal information with them.
If you access our services from outside the USA, your data may be transferred to and processed in the USA. All international transfers are conducted under appropriate safeguards including standard contractual clauses, binding corporate rules, and full compliance with applicable international data transfer regulations including GDPR.
We may update this Privacy Policy periodically to reflect changes in our data practices, service offerings, or applicable legal requirements. We will notify you of material changes via direct email and prominent notice on our platform at least 30 days before changes take effect, giving you adequate time to review them.
For any privacy questions, data access requests, deletion requests, or compliance concerns, contact our Data Protection Officer at privacy@onlinecreditexpert.info or call our privacy hotline at +1 (781) 295-4908. We are committed to responding to all privacy inquiries within 10 business days without exception.