We treat your privacy with utmost respect. We comprehend the significance of protecting personal data. Additionally, we are aware of the challenges the modern world imposes on managing this information. To make our privacy protection principles transparent, we have established this Privacy Policy. We urge you to read this section before you begin using LoansBigHub.com.
By using our platform, you confirm your agreement with our Privacy Policy.
We gather both personally identifiable information and non-personally identifiable information from you.
Personally identifiable information refers to data that can identify you as an individual. You provide this information when you sign up and submit a request. This may include but is not limited to: your full name, date of birth, address, phone number, driver’s license, social security number, employment details, income, bank account, credit history, and military status.
Non-personally identifiable information pertains to data that does not reveal your identity. This information is anonymous and may include but is not limited to: IP address, internet service provider, browser type, language, session duration, clicks, and links followed. This type of data is collected through cookies, web beacons, and pixel tags.
Cookies are small data fragments sent by a website you visit and stored on your computer.
Web beacons and pixel tags are small transparent graphic images used to track the behavior of website visitors.
Collecting users' personal details is essential for business management, enhancing technical support, and conducting marketing research. We also require your private data to process your application and connect you with one of our lenders.
By providing your personally identifiable information, you enable us to process your application and connect you with a lender. This means we have the right to share this information with third parties since a lender cannot approve your loan without knowing relevant details about you.
Please note that lenders may verify your personal information by sending requests to national databases and credit reporting agencies. Such inquiries may affect your credit score.
We may share some of your data with affiliates, partners, and other accredited third parties for business management, security, advertising, marketing, consumer behavior research, and support improvement.
We reserve the right to share your information with another company that acquires our business, a part of it, or merges with us. In such a case, we will inform you about these changes via email or an announcement on our website.
We may share your personally identifiable information if required by law and necessary to proceed with a legal process or to protect our rights.
By collecting and sharing your non-personally identifiable information with third parties, we improve our technical service, analyze customer behavior, and gather web statistics vital to business management. We may share this data with third parties for these purposes.
When browsing our website, you may encounter links to third-party websites. These links are provided solely for reference. Clicking on them is at your discretion. We do not manage these websites; therefore, we cannot be held responsible for their content, privacy policy, terms, and practices, as their management is beyond our control.
By accessing our website, you acknowledge and agree to our marketing practices. You consent to receiving advertisements, newsletters, marketing messages, and other promotional materials from us.
Our third-party partners may also send you marketing messages using the contact information you have provided.
When you start using our website, you acknowledge and agree to receive marketing messages from us and our third-party partners. If you do not wish to receive marketing messages from us, we provide an opt-out option. However, to opt-out from third-party messages, you must contact them directly.
Please note that we are not responsible for the marketing practices of third parties as we do not control them.
To safeguard your personal information, we use advanced security systems that comply with US law requirements. Only authorized personnel can access your data for business purposes allowed by current US legislation.
Despite our best efforts, we cannot guarantee complete security of your data due to the inability to control all potential law violations.
We provide our services exclusively to employed residents of the United States. If you are a foreigner, please do not access our website.
We offer our services exclusively to individuals over 18 years old. If you are a minor, please do not access our website.
We do not intentionally collect data from children. If you are a parent or legal guardian of a child who has accessed our website, please inform us using our contact information.
We reserve the right to revise, modify, or update this Privacy Policy when deemed appropriate. We may do so without prior notice. Therefore, we encourage you to review this section periodically. Continuing to access our website after changes implies your agreement with the updated Privacy Policy.
11.1 General Information. If you are a California resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and other privacy and data protection laws. This section summarizes the categories of information we collect, why it is collected, with whom we share it, and for what purpose.
11.1.1 Category of Information: Identifiers
Examples: Name, internet protocol address, email address, or other similar identifiers
Source of Information: Consumer, third-party data providers, marketing partners, and advertising partners
Purpose of Collection: To provide services, market to you, analyze usage, conduct research, maintain system and operations security, and meet legal compliance requirements
Who We Share With: Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, web analytics providers, service providers, vendors, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information
11.1.2 Category of Information: Personal information categories listed in the California Customer Records statute
Examples: Name, signature, address, telephone number, driver’s license or state identification number, employment, social security number, bank account number
Source of Information: Consumer and third-party data providers
Purpose of Collection: To perform services you requested or offer products on behalf of our lenders, non-lenders or intermediary services providers, market to you, analyze usage, conduct research, maintain system and operations security, and meet legal compliance requirements
Who We Share With: Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information
11.1.3 Category of Information: Protected classification characteristics under California or federal law
Examples: Age, military status
Source of Information: Consumer and third-party data providers
Purpose of Collection: To perform services you requested or offer products on behalf of our lenders, non-lenders or intermediary services providers, market to you, analyze usage, conduct research, maintain system and operations security, and meet legal compliance requirements
Who We Share With: Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers
11.1.4 Category of Information: Commercial information
Examples: Product or service provider sites you choose to navigate to
Source of Information: Consumer and third-party data providers
Purpose of Collection: To perform services you requested or offer products on behalf of our lenders, non-lenders or intermediary services providers, market to you, analyze usage, conduct research, maintain system and operations security
Who We Share With: Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers
11.1.5 Category of Information: Biometric data
Examples: Keystroke or other behavioral or biological characteristics
Source of Information: N/A
Purpose of Collection: N/A
Who We Share With: N/A
11.1.6 Category of Information: Internet or similar network activity
Examples: Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement
Source of Information: Consumer, web browsers, marketing partners, and advertising partners
Purpose of Collection: To perform services you requested or offer products on behalf of our lenders, non-lenders or intermediary services providers, market to you, analyze usage, conduct research, maintain system and operations security
Who We Share With: Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers
11.1.7 Category of Information: Geolocation data
Examples: Physical location or movements
Source of Information: Consumer, web browsers, marketing partners, and advertising partners
Purpose of Collection: To perform services you requested or offer products on behalf of our lenders, non-lenders or intermediary services providers, market to you, analyze usage, conduct research, maintain system and operations security, and meet legal compliance requirements
Who We Share With: Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers
11.1.8 Category of Information: Sensory data
Examples: Audio, electronic, visual, or similar information
Source of Information: N/A
Purpose of Collection: N/A
Who We Share With: N/A
11.1.9 Category of Information: Professional or employment-related information
Examples: Current employer, length of employment
Source of Information: Consumer and third-party data providers
Purpose of Collection: To perform services you requested or offer products on behalf of our lenders, non-lenders or intermediary services providers, market to you, analyze usage, conduct research, maintain system and operations security
Who We Share With: Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers
11.1.10 Category of Information: Inferences drawn from other personal information
Examples: Profile reflecting a person’s preferences, characteristics, trends, behavior, and abilities
Source of Information: Third-party data providers, marketing partners, and advertising partners
Purpose of Collection: To perform services you requested or offer products on behalf of our lenders, non-lenders or intermediary services providers, market to you, analyze usage, conduct research, maintain system and operations security
Who We Share With: Data processing providers, web analytics providers, and security/anti-fraud providers
11.2 Right to Know: As a California resident, you have the right to know (i) the categories of personal information we collected about you in the preceding 12 months; (ii) the sources from which the personal information was collected; (iii) the business or commercial purpose for which it was collected or sold; and (iv) the categories of third parties with which the business shares personal information.
Additional Privacy Rights: You also have the right (i) to request that we disclose what specific information we have about you; (ii) to request that we delete your information; (iii) to opt-out of having your information sold; and (iv) for us not to discriminate against you for exercising these privacy rights. Please note that you may only make a CCPA-related request twice within a 12-month period.
Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights. Unless otherwise permitted by the CCPA, we will not (i) deny you goods or services; or (ii) provide you a different level or quality of good or service.
Alternative Format of CCPA Notice: If you have a disability that prevents or limits your ability to access this CCPA Notice, please email us at [email protected]. We will work with you to provide this notice in an alternative format.
Authorized Agent: California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
How to Submit Your Request for Specific Information: You can request access to specific information we have about you by sending an email with the Subject Line “CCPA Right to Know” to [email protected] or you can make your request for information [here]. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g., driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
How to Exercise Your Right to Delete Information: You can request the categories of information we have on file or deletion of information available on our request form available [here]. You may also submit this request by sending an email with the Subject Line “CCPA Right to Request or Delete Information” to [email protected]. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g., driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
How to Exercise Your Right to Opt-Out of Sale of Your Information: Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to sell your personal information at any time. You may submit your request through the URL provided below. You may also submit this request by sending an email with the Subject Line “CCPA Do Not Sell My Information” to [email protected]. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g., driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
DO NOT SELL MY PERSONAL INFORMATION
However, if you opt-out, please note that we will be unable to help you find a loan or other products or services that may be of interest to you through our Network Partners. In order to opt-in, please submit the completed form or resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested.
California Law requires us to provide certain disclosures to users of this Website.
Shine the Light Disclosure: Civil Code Section 1798.83 permits California residents that use this Website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at [email protected]. Please note that this section does not prohibit disclosure made for non-marketing purposes.
Do Not Track Disclosures: Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether this Website honors web browser do-not-track signals. No third parties are able to collect personally identifiable information you provide on this Website. At this time, LoansBigHub.com does not respond to do-not-track browser settings or signals.
If you have any inquiries, please send us a message via our contact form.
