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LoanPepper.com PRIVACY POLICY

Effective: February 12, 2023
 

This Privacy Policy (the “Policy”) applies to the LoanPepper.com website (the “Website”). It tells users (“you”) of the Website and the services it provides about the information collected by the Website and how the Website uses and shares this information.

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Information We Collect

LoanPepper.com collects both information that may identify a particular individual (“Personally Identifiable Information”) and anonymous information that cannot be associated with a specific individual (“Non-Personally Identifiable Information”) from or about users of its websites.

 

Personally Identifiable Information

LoanPepper.com collects Personally Identifiable Information when you provide it through your use of the Website, such as by completing one or more stages of an online registration (a “Registration”) requesting a loan offer from a lender participating in LoanPepper.com’s lender network (a “Lender Partner”) or by sending questions to LoanPepper.com via the Website. The types of Personally Identifiable Information LoanPepper.com collects include: name, physical address, telephone number, social security number, email address, date of birth, driver’s license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of pay checks, and information about your banking account.

 

Non-Personally Identifiable Information

The types of non-Personally Identifiable Information that LoanPepper.com collects (either directly, through the use of “cookies” or through the use of a third party tracking system) include: the IP address of the computer making the request; your browser type and language; access times; information about areas of the site visited by users of the site; information about the links that users may select to visit on the site. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information a website sends to your computer while you are viewing a website to remember who you are without personally identifying you.

LoanPepper.com may share this non-Personally Identifiable Information with its suppliers and other third parties for the purpose of website statistical and trend analysis. This information is not linked to any Personally Identifiable Information.

 

Information Collected by Third Parties

LoanPepper.com may allow third parties, including advertising partners and personal loan lenders, to display advertisements on the Website. These companies may use tracking technologies, including cookies, to collect information about users of the Website who view or interact with these advertisements. LoanPepper.com does not provide Personally Identifiable Information to these third parties.

 

How We Use Personally Identifiable Information

LoanPepper.com uses the Personally Identifiable Information you provide through the Website in order to deliver the products or services you have requested; provide you with customer support; communicate with you by email, postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about products or services that may be of interest to you either from LoanPepper.com, Lender Partners, other third party lenders, LoanPepper.com’s marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the website; enforce LoanPepper.com’s terms and conditions, and perform any other functions otherwise described to you at the time LoanPepper.com collects the information.

LoanPepper.com may review and use your financial information and your social security number to connect you with Lender Partners or other third party lenders with whom LoanPepper.com has a business relationship. LoanPepper.com may also review your financial information and social security number to verify your identify and protect against possible fraudulent transactions.

 

Sharing Your Personally Identifiable Information

LoanPepper.com may share your Personally Identifiable Information (including, without limitation, your financial account information and social security number) with Lender Partners and other third party lenders with whom LoanPepper.com has a business relationship. These third party lenders may use your Personally Identifiable Information to offer you a personal loan or to communicate with you about other business or marketing offers. In addition, LoanPepper.com may share your Personally Identifiable Information (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom LoanPepper.com has a business relationship.

Any third parties with whom LoanPepper.com shares Personally Identifiable Information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once LoanPepper.com has transferred or shared it with those third parties as described in this Policy or the LoanPepper.com Terms and Conditions.

LoanPepper.com will disclose your Personally Identifiable Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. LoanPepper.com will disclose your Personally Identifiable Information when LoanPepper.com believes disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property, or safety of LoanPepper.com’s parent company, its employees, its website users, or others; or to enforce the Terms and Conditions or other agreements or policies.

In addition, LoanPepper.com may transfer Personally Identifiable Information to an entity acquiring all or substantially all of its parent company’s stock or assets.

 

Links to Third Party Websites

LoanPepper.com may provide links or automatically redirect you to third party websites that do not operate under this Policy. For example, if you click on an advertisement presented on our site, you may be taken to a website that LoanPepper.com does not operate or control. You should review the privacy statements and terms of use of all third party websites you access. These third party websites may independently solicit and collect information from you. On occasion, those third party websites may provide LoanPepper.com with information about your use of those sites.

 

Changes

The Website’s policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at LoanPepper.com’s sole and absolute discretion. Changes to this Policy will be posted on the Website and LoanPepper.com will revise the “Effective” date at the top of this policy. You should review this Policy each time you access the Website. If LoanPepper.com makes any material changes in the way it collects, uses, and/or shares personal information that may impact you, LoanPepper.com will notify you by prominently posting notice of the changes on this website.

 

Children’s Privacy

The Website is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. LoanPepper.com does not knowingly collect Personally Identifiable Information from children under the age of 18.

 

Security

LoanPepper.com has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information LoanPepper.com collects online. For example, only authorized employees and authorized third parties are permitted to access Personally Identifiable Information, and they may do so only for permitted business functions. No website or Internet network can be completely secure. Although LoanPepper.com takes steps to secure your information, LoanPepper.com does not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.

 

Accessing Your Personally Identifiable Information

If you would like to review and/or request changes to the Personally Identifiable Information that LoanPepper.com has collected about you through your use of the Website, please contact LoanPepper.com by writing or sending email to the addresses below.

Privacy Rights of California Residents: Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt out of having his or her information shared with third parties. LoanPepper.com has elected the second option, and you may opt out by completing one or more forms on our Opt Out page.

 

California residents are also entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.

 

Contact

If you have questions, comments, or concerns regarding our Privacy Statement, please write to us at support@loanpepper.com.

Consumer Notice: Although LoanPepper.com does not charge any fees for its services, it's important to note that personal loans are designed for providing temporary financial assistance and should not be considered as a long-term solution, therefore consumers struggling with debt and credit issues are advised to seek professional debt and credit advisory assistance.

 

Legal Disclaimer: The owners and operators of LoanPepper.com are not lenders or decision makers for short-term cash loans, but rather the website provides a loan matching service for personal loans to help borrowers find lenders. The use of this website and its services are subject to LoanPepper.com's Terms of Use and Privacy Policy, and it should not be construed as an offer or solicitation to lend. The operator of this website is not affiliated with any lender or endorse any specific product or service, but simply aims to inform users about potential lenders who may fulfill the needs of the consumer. Please be aware that some lenders may conduct credit checks as part of their lending process, and using our website or service is not mandatory for initiating contact or applying for a loan with any lender or service provider.

Exclusions: Certain short-term, small-dollar loans may not be available to residents of certain states and the eligibility criteria for such loans may vary by state, with residents of Arkansas, New York, New Hampshire, Vermont, and West Virginia currently not eligible to use this website or service, and the list of states where our services are offered may be subject to change without prior notice.

APR Disclosure: In some states, there are laws that restrict the maximum Annual Percentage Rate (APR) that a lender can impose on you. However, if you obtain a loan from a state where such laws do not exist or from a non-state governed bank, the APR may be even higher. The APR represents the interest rate at which your loan will accrue and is determined by factors such as the loan amount, cost, and term, as well as repayment amounts and timing of payments. Prior to finalizing a loan agreement, lenders are obligated by law to disclose the APR and other loan terms to you. The APRs for cash advance loans range from 200% to 1386%, for installment loans range from 6.63% to 485%, and for personal loans range from 4.99% to 450%, but these rates can vary from one lender to another. Note that APR rates may change over time.

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LoanPepper.com provides a loan matching service for consumers, which is free but supported by advertisers, including lenders and lender networks who compensate us if you are offered a loan through our service after they review your information. Although we use a "ping-tree" model to connect you with lenders, the decision is based on multiple factors, including the amount paid by the lender or intermediary third-party lender network. Therefore, it's important to carefully review all loan options available and not assume that the offer received through our service is the best option. Additionally, we may receive compensation from other advertisers in various ways.

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Credit Implications: Credit decisions or credit inquiries are not made by the operator of this website; however, independent lenders that the user may be connected with might check credit worthiness, credit standing, and/or credit capacity through alternative providers or credit reporting bureaus. By submitting personal information, users agree to the credit check. Short-term loans provided by independent lenders are intended to be repaid within a short amount of time and may incur additional fees or collection activities in case of late payment or nonpayment; therefore, it is advised to borrow only what can be repaid on the next pay period and to seek professional advice regarding financial needs and alternatives to short-term loans. Each lender has its own terms, conditions, and renewal policy, and the policies should be reviewed by the user.

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