Effective Date: December 2025
At Clarity.Loans (“we,” “us,” or “our”), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our loan matching services.
Information We Collect
Personally Identifiable Information (PII)
When you use our loan matching service, we collect the following information:
- Personal Information: Name, address, phone number, email address, date of birth, and Social Security Number
- Financial Information: Income details, employment information, bank account information, and credit history
- Loan Information: Requested loan amount, loan purpose, and preferred terms
Non-Personally Identifiable Information
We automatically collect certain information that cannot be used to personally identify you:
- Device Information: IP address, browser type, operating system, and device identifiers
- Website Usage Data: Pages visited, time spent on site, referral sources
- Analytics Data: User behavior patterns and site performance metrics
- Cookies and Tracking: Information collected through cookies and similar technologies
Categories of Information We Collect
Under applicable privacy laws, we collect the following categories of personal information:
- Identifiers: Real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, SSN, driver’s license number, passport number, or other similar identifiers
- Personal Information Categories: Name, signature, SSN, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information
- Protected Classification Characteristics: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex, sexual orientation, veteran or military status, genetic information
- Commercial Information: Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies
- Internet or Other Electronic Network Activity: Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement
- Geolocation Data: Physical location or movements
- Professional or Employment-Related Information: Current or past job history or performance evaluations
- Inferences: Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes
How We Use Your Information
We use your information to:
- Match you with lenders in our network who may be able to provide you with loan offers
- Process your loan application and facilitate connections with appropriate lenders
- Communicate with you about your application status and loan opportunities
- Improve our services and website functionality
- Comply with legal requirements and prevent fraud
- Marketing purposes (with your consent where required)
How We Share Your Information
With Lenders
When you submit a loan application, we share your information with lenders in our network who may be interested in providing you with a loan offer. This includes:
- Direct lenders we partner with in our CRM network
- Our four affiliated lending companies (Cascade Springs Credit, Galt Credit, Good Loans Fast, and Safe Loan)
- Other state-licensed and tribal lenders operating under applicable federal and state regulations
Important Disclosure: We own and operate four direct lending companies. When you apply through our service, you may be connected with one of our owned lenders or with independent third-party lenders. Our owned lenders may receive preferential treatment in our matching process.
Sharing & Business Purposes
We share personal information for the following business purposes:
- Loan Matching Services: To connect you with appropriate lenders
- Customer Service: To respond to your inquiries and provide support
- Legal Compliance: To comply with federal and state laws and regulations including the Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), and other applicable financial regulations
- Fraud Prevention: To detect and prevent fraudulent activities
- Business Operations: To operate and improve our services
With Service Providers
We may share your information with trusted service providers who help us operate our business, including:
- Customer relationship management (CRM) platforms
- Analytics and tracking services
- Legal and compliance advisors
- Marketing and advertising partners
Legal Requirements
We may disclose your information when required by law or to:
- Comply with federal and state legal processes or government requests
- Protect our rights and property
- Prevent fraud or illegal activities
- Protect the safety of our users
Your Rights and Choices
Opt-Out Rights
- You may opt out of marketing communications at any time
- You can request to stop sharing your information with new lenders
- You may withdraw consent for certain data uses where applicable
Access and Correction
You have the right to:
- Request access to your personal information
- Correct inaccurate information
- Request deletion of your information (subject to legal requirements)
Your Privacy Rights
You have the right to:
- Request access to your personal information
- Correct inaccurate information
- Request deletion of your information (subject to legal requirements)
- Opt out of marketing communications
- Withdraw consent for certain data uses where applicable
Depending on your state of residence, you may have additional rights under state privacy laws, including rights to know what personal information is collected, to delete personal information, to correct inaccuracies, and to opt-out of certain data sharing practices.
Exercising Your Rights
To exercise any of these rights, please contact us using the information provided in the “Contact Us” section below. We will respond to your request within the timeframe required by applicable law. You may be required to verify your identity before we can process certain requests.
Data Security
We implement appropriate technical and organizational security measures to protect your personal information, including:
- SSL encryption for data transmission
- Secure servers and databases
- Regular security audits and monitoring
- Limited access to personal information on a need-to-know basis
- Industry-standard security protocols
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.
Cookies and Tracking
We use cookies and similar technologies to:
- Remember your preferences
- Analyze website traffic and performance
- Provide personalized content
- Track marketing campaign effectiveness
You can control cookies through your browser settings, though some website functionality may be limited.
Links to Third-Party Sites
Our website may contain links to third-party websites, including lender websites. When you click on these links, you will be redirected to those third-party sites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any information.
Do Not Track Signals
Some web browsers may transmit “do not track” signals to websites with which the user communicates. Because of differences in how web browsers incorporate and activate this feature, it is not always clear whether users intend for these signals to be transmitted, or whether they even are aware of them. We currently do not take action in response to these signals.
Data Retention
We do not retain your personal information on our website. When you submit a loan application through our platform:
- Your information is immediately transmitted to our CRM system
- Interested lenders in our network receive your application data
- We do not store your personal or financial information on our servers
Data retention practices are governed by the individual lenders who receive your information and our CRM service provider. Each lender has their own data retention policies in accordance with financial industry standards and regulatory requirements.
Children’s Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by:
- Posting the updated policy on our website
- Sending you an email notification
- Displaying a prominent notice on our website
Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us:
Clarity.Loans
Email: support@clarity.loans
This Privacy Policy was last updated on September 2025. Please review it periodically for any changes.