Privacy Policy

Last Updated: January 2025

At Possible Finance, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you use our loan connection services.

1. Information We Collect

Personal Information You Provide

When you apply for a loan through our platform, we collect information including:

• Name, address, email address, and phone number
• Date of birth and Social Security Number
• Employment and income information
• Bank account information
• Government-issued identification details
• Financial information relevant to your loan application

Information Collected Automatically

When you visit our website, we automatically collect:

• IP address and browser information
• Device type and operating system
• Pages visited and time spent on our site
• Referring website or source
• Cookies and similar tracking technologies

Information from Third Parties

We may receive information about you from:

• Credit bureaus and consumer reporting agencies
• Identity verification services
• Fraud prevention services
• Data analytics providers

2. How We Use Your Information

We use the information we collect to:

• Connect you with participating lenders in our network
• Process and evaluate your loan application
• Verify your identity and prevent fraud
• Communicate with you about your application
• Improve our services and website functionality
• Comply with legal obligations and enforce our agreements
• Conduct marketing and promotional activities (with your consent)

3. How We Share Your Information

With Lenders

When you submit an application, we share your information with participating lenders in our network who may be able to provide you with a loan. These lenders use your information to evaluate your application according to their own underwriting criteria.

With Service Providers

We share your information with third-party service providers who perform services on our behalf, including:

• Application processing and loan matching services
• Identity verification and fraud prevention services
• Customer service and support providers
• Data analytics and website hosting services
• Marketing and advertising partners

With Credit Bureaus

We may share your information with credit bureaus to verify your identity and assess creditworthiness. This may include conducting soft or hard credit inquiries.

For Legal Reasons

We may disclose your information when required by law, such as:

• To comply with legal processes or government requests
• To enforce our Terms of Service or other agreements
• To protect our rights, property, or safety, or that of others
• In connection with fraud prevention or security investigations

Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4. Marketing Communications

By providing your contact information, you may receive marketing communications from us and our partners about loan products and services. You can opt out of marketing emails by:

• Clicking the "unsubscribe" link in any marketing email
• Contacting us directly at the email or phone number provided below

Please note that even if you opt out of marketing communications, we may still send you non-promotional messages related to your application or account.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website, analyze usage patterns, and deliver targeted advertising. You can control cookies through your browser settings, but disabling cookies may limit your ability to use certain features of our site.

6. Data Security

We implement industry-standard security measures to protect your information, including:

• 256-bit SSL encryption for data transmission
• Secure servers and firewalls
• Access controls and authentication procedures
• Regular security assessments and updates

While we strive to protect your information, no method of transmission over the Internet is 100% secure. You are responsible for maintaining the confidentiality of your account credentials.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When your information is no longer needed, we will securely delete or anonymize it.

8. Your Privacy Rights

Depending on your state of residence, you may have certain rights regarding your personal information, including:

• The right to access the personal information we hold about you
• The right to request correction of inaccurate information
• The right to request deletion of your information
• The right to opt out of the sale or sharing of your information
• The right to non-discrimination for exercising your privacy rights

To exercise these rights, please contact us using the information provided below. We will respond to your request in accordance with applicable law.

9. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete personal information, and the right to opt out of the sale of personal information.

We do not sell personal information in the traditional sense, but we do share information with lenders and partners as described in this Privacy Policy, which may be considered a "sale" under CCPA. You can opt out by contacting us.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete it promptly.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read the privacy policies of any third-party sites you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on this page with a new "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

Possible Finance
Email: privacy@possiblefinancials.com
Phone: Available via Contact page
Mail: 123 Finance Street, Suite 100, Dallas, TX 75201