Effective Date: May 12, 2025
This Privacy Policy governs the collection, storage, sharing, and use of information obtained through the website certesfinancialpros.com (hereinafter referred to as the “Website,” “Site,” “we,” “us,” or “our”). This policy outlines the handling of all user information, including both personally identifiable information (“PII”) and non-personally identifiable information (“NPII”), relating to visitors and users (“you,” “your,” or “User”) of the Website.
Our Website operates solely as a loan matching platform and is not a direct lender. We facilitate connections between users and third-party lending partners who provide loan products. All loan offerings available through the Website are subject to independent approval by these lenders. Submission of an application on our platform does not guarantee loan approval or specific loan terms. Loan products vary based on individual credit profiles and lender criteria. It is strongly recommended that you carefully review the terms and conditions provided by any lender before accepting any loan agreement.
1. Jurisdiction and Eligibility
The Website’s services are intended for lawful residents of the United States who are at least eighteen (18) years of age. The operation of this Website complies with applicable federal, state, and local laws within the United States. By voluntarily registering and submitting your information via the Website’s online loan request form, and by accepting this Privacy Policy along with the Website’s Terms and Conditions of Use, you acknowledge and agree that your use of the Site and your information are governed by these binding documents. We encourage you to thoroughly review these documents prior to submitting any personal data.
If you do not agree with any provision of this Privacy Policy or the Terms and Conditions of Use, you must refrain from using the Website and not submit your personal or other data through any channels associated with this Site.
I. Collection and Use of Personally Identifiable Information (PII) and Non-Personally Identifiable Information (NPII)
To utilize the Website’s services, you are required to provide certain personally identifiable information through our online loan application form. This PII is essential to facilitate your connection with lenders in our network who offer loan products aligned with your financial needs. Failure to provide this information will prevent us from offering these services.
Examples of PII we collect include, but are not limited to: full name, mailing address, email address, phone number, date of birth, employment details, Social Security Number, government-issued identification data, and banking or financial account details.
Use of Sensitive Information:
Sensitive data such as Social Security Numbers and banking details are collected exclusively for the purpose of verifying your identity and facilitating communication with our lending partners. We do not sell or disclose this sensitive data to marketing entities or unauthorized third parties, except as legally required (e.g., compliance with court orders, government investigations, or national security matters).
Non-Personally Identifiable Information:
We also automatically collect non-personally identifiable information (“NPII”) generated during your interaction with the Website. This may include IP addresses, browser types, device characteristics, geographic location, referring URLs, page visit data, time stamps, and Internet service provider details. This data is collected to improve user experience, monitor Website performance, prevent fraud, and customize services. Such data may be shared with third parties contracted for analytics or technical support unless you expressly opt to restrict this sharing.
II. How We Use Your Personally Identifiable Information
The PII you provide is stored securely using industry-standard encryption and security technologies. Your information is used primarily to:
- Connect you with one or more reputable lenders who can offer loan products meeting your specified criteria.
- Communicate with you regarding loan offers, updates, and related services that align with your interests.
- Detect, prevent, and respond to fraud or malicious activity associated with your account or transactions.
Your explicit consent to these uses is obtained when you submit your application via the Website’s form or check the consent box during registration.
Third-Party Technical Support:
In limited cases, portions of your PII (excluding sensitive data like Social Security Numbers and banking information) may be disclosed to trusted third-party vendors for technical support and service maintenance. These entities are contractually obligated to maintain confidentiality and use your data solely for the purposes authorized by us.
III. Disclosure of Information to Third Parties and Legal Authorities
Your PII may be disclosed:
- To third-party lenders and financial institutions solely for loan facilitation purposes.
- To consumer reporting agencies and credit bureaus with your prior authorization for identity verification and credit assessment, subject to the policies and terms of those entities and independent of this Website’s control.
- To governmental or regulatory agencies as required by law, including in circumstances involving court orders, investigations, protection of property rights, crime prevention, national security, or public safety concerns.
In the event of corporate changes such as mergers, acquisitions, or asset sales, your PII may be transferred to the successor entity. Notification of such transfers may be provided on the Website or directly to affected users as appropriate.
IV. Marketing Communications and Third-Party Advertisers
Some non-sensitive PII may be shared with marketing partners, lenders, and advertisers engaged by us to promote loan products and related financial services. These entities may use your information to present offers based on your expressed interests, via channels such as email, phone calls, direct mail, online ads, or text messages.
You retain the right to opt-out of marketing communications at any time by following unsubscribe instructions contained in each message or by contacting us directly. However, removal from third-party marketing databases must be requested directly with those parties, as we cannot control their independent data practices.
We encourage you to review the privacy policies of these third-party marketers to understand how your data may be used beyond our control.
V. Credit Reporting and Impact
When your information is shared with our lending partners, they may perform credit checks or request credit reports from major credit bureaus to verify your identity and assess lending risk. Such inquiries can affect your credit score. By submitting your information through our Website, you expressly consent to such verifications in accordance with each lender’s policies and governing legal frameworks.
VI. Communication Channels: Email and Telemarketing
By using our services and agreeing to this Privacy Policy and Terms of Use, you consent to receive marketing and informational communications from us and from third-party lenders and marketers. These communications may include emails, telemarketing calls, text messages, and other forms of direct or indirect contact related to loan offers and financial products.
Such communications may be made even if your phone number is listed on federal or state Do-Not-Call registries, in compliance with the Amended Telemarketing Sales Rule (ATSR), as your inquiry and loan application are considered an established business relationship.
VII. Collection of Non-Personally Identifiable Data via Cookies and Tracking Technologies
To enhance your experience and analyze Website usage, we use cookies, pixel tags, web beacons, browser analysis tools, and server log files. These technologies collect information such as geographic location, device type, browser specifications, browsing behavior, and interaction patterns.
- Cookies: Small data files stored on your device that help recognize repeat visitors, analyze preferences, and detect fraudulent activity. Cookies may be session-based (deleted after browser closure) or persistent (stored longer). You may manage or delete cookies through your browser settings.
- Pixel Tags and Web Beacons: Transparent images embedded in pages or emails that track user engagement to improve marketing effectiveness.
- Server Log Files: Logs that record IP addresses, timestamps, referring pages, and user activity for analytics and security purposes.
All collected non-personal data is used to optimize the Website and tailor marketing efforts in accordance with privacy standards.
2. Privacy Management
To ensure comprehensive and responsible privacy management, we have implemented a variety of practices that govern the collection, use, and protection of your information. Beyond employing advanced technologies to enhance your experience on the Website and optimize the use of our services, we also offer you control options regarding your personal data. These include limiting the amount of information you share and the ability to request deletion of your information from our records.
If you prefer not to have your non-personally identifiable information (NPII) collected, stored, shared, or utilized, you should discontinue your use of the Website immediately. However, please be aware that certain tracking technologies such as cookies, web beacons, and other similar files may still be automatically installed on your device during your visit. To manage this, you may adjust your browser settings to delete existing cookies, modify default cookie preferences, request notifications when cookies are used, and accept or reject cookies as you see fit.
It is important to note that the Do-Not-Track (DNT) browser setting has not yet been universally standardized or recognized. Therefore, our Website’s information security and privacy protocols comply fully with this Privacy Policy and associated legal documents, irrespective of any DNT signals your browser may send. If you wish to opt out of tracking by third-party marketers, you can do so by unsubscribing through the opt-out links provided in their marketing communications.
3. Security of Personally Identifiable Information (PII)
We treat the security of your personally identifiable information with the utmost seriousness and in strict adherence to applicable privacy protection laws and best practices. Our systems and operational procedures employ a combination of technical, physical, and administrative safeguards designed to prevent unauthorized access, data breaches, fraud, and any other malicious activities that could jeopardize the integrity of your data or the Website.
Access to your PII is restricted exclusively to authorized personnel within our organization and is never publicly disclosed. All employees and contractors granted such access are contractually obligated and legally responsible to maintain confidentiality and protect your information to the fullest extent reasonably practicable. Non-compliance with these security obligations may result in disciplinary measures.
While we employ robust security measures, it is impossible to guarantee absolute protection against every conceivable risk or breach. As such, we disclaim liability for unauthorized acts or incidents beyond our reasonable control, including but not limited to hacking, data theft, or other illegal intrusions. If you are concerned about the security of your personal information, you have the right to request its removal from our systems.
Third-party marketers and lenders with whom we share your PII are also contractually required to implement adequate security measures. We regularly verify our partners’ compliance through due diligence reviews and require adherence to established information security policies. Should any security violations occur, relevant laws and regulations will govern remedial actions to mitigate any harm.
4. Collection of Information from Minors
We do not knowingly collect or solicit personal information from individuals under the age of eighteen (18). The Website employs safeguards to prevent underage users from submitting information. If we discover that PII has been inadvertently collected from a minor, we will promptly delete such data from our records.
Our practices fully comply with the Children’s Online Privacy Protection Act (COPPA) and related laws designed to protect the privacy of minors. Accordingly, no data from users under eighteen is voluntarily gathered, stored, or processed.
5. Electronic Consent (E-Consent)
In accordance with the Federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act), by submitting your information electronically through the Website, you provide your informed consent to receive electronic communications, disclosures, and notifications. This consent includes permission to submit and share your information electronically in accordance with this Privacy Policy, the Website’s Terms of Use, and applicable laws.
All electronic communications—whether from us, third-party lenders, or marketing partners—are considered legally binding and have the same validity as paper documents. You are encouraged to retain copies of such electronic records for your personal files.
We and our authorized third parties reserve the right to discontinue electronic communications, provided that users are given prior notice consistent with applicable laws and contractual agreements. Hard copies of electronic records are not required to be maintained, and electronic documents may be destroyed according to regulatory retention schedules. Such electronic records are admissible in legal proceedings to the same extent as their paper counterparts.
6. Links to Third-Party Websites
Our Website may contain hyperlinks to external websites, including those of third-party lenders or service providers. We do not control these external sites and are not responsible for their privacy practices or content. Information you provide on such third-party sites is governed by their respective privacy policies and terms of use. We strongly recommend reviewing those policies carefully before sharing any personal information on external websites.
7. State-Specific Privacy Notifications
We comply with federal laws as well as applicable state-specific privacy regulations, which may impose additional requirements on how personal information is collected, used, and disclosed. Some states require detailed disclosures regarding the categories of personal data shared, the purposes of such sharing, and the identity of third parties receiving this data.
If you reside in a jurisdiction with such specific regulations, you may contact us directly via the contact information below to request detailed information about how your data is handled in accordance with your state’s laws. Each request will be reviewed on a case-by-case basis. Please note that we reserve the right to decline requests from users residing in states without applicable specific privacy requirements.
8. Amendments to This Privacy Policy
We reserve the unilateral right to update or modify this Privacy Policy at any time without prior notice. When changes are made, the revised policy will be posted on the Website along with an updated effective date. The version of the Privacy Policy in effect at the time your information was collected governs the use of that information, unless you explicitly consent to new terms.
We encourage all users to periodically review the Privacy Policy to stay informed about our data practices and any updates.
9. User Inquiries, Requests, and Complaints
Users have the right to access, modify, or request the deletion of their personally identifiable information collected through the Website. Should you wish to make any changes to your data or have concerns regarding our practices, you may contact us at the email address below. Similarly, any complaints regarding the Website or our services should be submitted in detail.
We commit to reviewing and responding to all inquiries and complaints promptly and to addressing your concerns in good faith.
Contact Email: support@certesfinancialpros.com
