This Privacy Policy is effective as of: April 17, 2017

This Privacy Policy (also referred to as ‘Policy) applies to Start.Credit (also referred to as ‘Company’ or ‘Site’). It notifies You (also ‘You’, ‘Your’ and/ or ‘Applicant’) about our services, how we collect, use, and share Your information. Your use of this Site and sharing Your personal information constitutes an agreement with these policies. Please read this Policy in full before using this Site. Use of this Site constitutes the acknowledgement that You have read, understood, and agreed to this Policy and all other policies as presented on this Site. If You are not in agreement with this Site’s Policy and this Company’s terms and conditions, do not use this Site. Changes may be made to this Policy at any time.

Personal Information

By using this Site and its services, You are allowing the Site to collect “personally identifiable information” and “non-personally identifiable information” from You. These types of information are described below:

Personally Identifiable Information

Use of this Site requires You to provide certain ‘Personally Identifiable Information’. Your unique data allows for communication and identification. This information may include, but is not limited to: Your name, date of birth, telephone number, physical address, Social Security number, driver’s license number and state, email address, employment information, active military information, information about home ownership, citizenship status, frequency and amount of paychecks, and Your banking information. We may also collect and store information that You provide to us about other people (e.g. co-borrowers), including their name, telephone number, physical address, email address and Social Security Number.

Non-Personally Identifiable Information

Use of this Site provides us with anonymous ‘Non-Personally Identifiable Information’ which may include, but is not limited to: Internet Protocol address, Internet Service Provider, operating system type, and browser type. This information may be obtained directly through the use of ‘cookies,’ data sent to Your computer when visiting a website. The disabling of cookies may prevent access to certain areas of this Site. This Company has no control over cookie technology. This information may be summarized and shared with third parties for the analysis of trends and statistics and is in no way linked to Your Personally Identifiable Information.

How Information is Collected

From You: We collect the information You provide to us in connection with inquiring about or obtaining our services. Depending on the product or service requested the information we collect from You may vary.

Other Sources: We may obtain information about You from other third parties in regards to Your credit reports, demographics and home information. We do not perform a hard inquiry relating to Your credit bureau report rather a soft pull is performed to assist us in complying with applicable federal, state and local laws and regulations. The information obtained from third parties is not shared with any service provider You are connected to relating to Your inquiry. The information may only be accessed by Start.Credit employees with a legitimate business need to know in accordance with applicable laws and regulations.

Information Collected Automatically: We automatically receive and store information when You interact with our website, our email and/or online advertisements. This information helps us to make our Site work more efficiently, to evaluate customer use of Our Site, and to support Our website analytics. We may automatically receive the following types of information: technical information such as Your internet protocol (IP) address, Your device operating system and browser types, Your referring website’s address, and Your clickstream through our Site; cookies that recognize You as You use and return to Our Site; and web beacons that allow us to know what pages on our Site have been visited, what email have been opened and what banner ads have been effective.

• Cookies: Like many other websites, Our Site uses "Cookies." Cookies are employed when You use Your browser to visit Our Site and allows a web server to store information about You on Your computer device. We may place cookies or similar files on Your computer device for security purposes, to facilitate site navigation and to personalize Your experience while visiting Our Site.
  If You would prefer not to accept cookies, You can change Your browser settings and choose not to accept cookies from Our Site; or set Your browser to automatically not accept any cookies at all. However, doing so may cause some features and services on Our Site to not work properly and/or the options we provide when You visit Our Site may not be tailored to Your interests.
• Device identifiers: Our Site also automatically collects Your IP address or other unique identifier information ("Device Identifier") that is automatically assigned to Your computer, mobile device, or other device (collectively, “Device”) that You use to access Our Site. We may use a Device Identifier to administer Our Site, diagnose problems with Our servers, analyze trends, track users’ web page movements, help identify You and Your shopping cart, and gather broad demographic information.
• Web beacons: We use web beacons, or transparent graphic images placed on a web page or in an email, in order to indicate that a page or email has been viewed or opened.
• Mobile apps: Our mobile application or mobile website may include opt–in, geo–location services that provide location–based services, such as store locators, local weather, promotional options and other personalized content. Most mobile devices allow You to turn off location services. If You consent to location services, We will collect information about the Wi–fi routers and cellular IDs of the towers closest to You to provide the requested location–based service (not to identify You).
• Site usage information: Our Site may also use a variety of technologies that passively or automatically collect information about how Our Site is accessed and used ("Usage Information"), including Your browser type, device type, operating system, application version, the pages served to You, the time You browse, preceding page views, and Your use of features or applications on Our Site. This statistical data helps us understand what is interesting and relevant to users of our Site so we can best tailor our content.

How Information is Shared with Third Parties

Use of this site authorizes this Company to share the information that You provide with third parties and affiliates. Sharing of Your information with this Company gives us Your permission to share this information with real estate agents, real estate brokers or lenders or lending partners, auto dealers, personal loan providers and other Business Partners to provide you with the requested services. Real estate agents, real estate brokers or lenders or lending partners, auto dealers, personal loan providers and other Business Partners and providers may use Your information in one of several ways. It may be used to option You a loan, option other related products and business services, or provide marketing information. Your information may also be shared with other third party list managers and marketers. Each of these parties has its own policies for collecting, using, and sharing Your information. Once Your information is shared, this Site is no longer responsible for their handling of Your information.

The Company reserves the right to share the information that You provide in response to a legal process, to prevent or remedy fraud, in the instance that this Company is sold, acquired, or undergoes bankruptcy, to make improvements to this Site, in the event that You violate our Policies and/ or Terms & Conditions, or when and where this Company deems it to be necessary to protect this Company’s rights and its assets.

In addition, this Site may allow advertisements from third party lenders or lending partners, brokers, agents, loan providers and other advertising partners. These companies may employ their own technologies (including ‘cookies’) to track and collect information regarding their advertisements. This Site does NOT provide personally identifiable information to these third party advertising partners.

How Information is Used

The information that You provide allows us to deliver the services you requested. This information also allows us to provide accurate customer service, communicate with You by mail, email, telephone, or mobile devices regarding our services (either our own or those of third parties), in the enforcement of our Policy and Terms & Conditions, or to do any other service described to You on this Site. The information will also allow us to research and analyze Your use of, or interest in, our product, services and content as well as the products, services and content offered by third parties. The information will also enable us to develop and display content and services tailored to Your interests on our Site and other third party websites; as well as develop and deliver targeted advertisement to You.

Depending on the services requested, we may also use Your financial information to connect you to real estate agents, real estate brokers or lenders or lending partners, auto dealers, personal loan providers, etc. Your Social Security number and bank information may also be used to verify Your identity in order to protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business.

How Information is Secured

This Site uses a number of security measures to protect Your personal information from unauthorized retrieval, use, disclosure or destruction. This includes both digital and physical information. This Site uses SSL (Secure Socket Layer) encryption, stores personal information on secure servers, and utilizes password protection.

Although we take precautions to protect Your information, the storage or transmission of data cannot be guaranteed. As such, this Site cannot guarantee Your data, either in storage or in transmission. Accessing this site is done at Your own risk.

If a security breach does occur which affects Your Personally Identifiable Information, You will be notified along with any responsible agencies as dictated by law. Notification may take place in the form of an email. This notification could be delayed by law enforcement in order to conduct an investigation and enact further security measures.

Links to Third Party Sites

This Site may have links to third party sites that this Company does not control and whose policies differ from those of this Company. This Site is not responsible for the practices, content, or policies of third party sites. By accessing third party sites, You are responsible for the information You provide as well as the content that You access. These sites may use Your personal information differently than the information that You submit to this Site. Please read each site’s Policies and Terms & Conditions.

Push Notifications

If you provide your consent, we may send push notifications to your web browser or mobile device. Push notifications may include marketing messages from us or from third-parties. You can alter your push notification settings at any time by changing the notification settings on your mobile device or browser.

Opting Out of Communication

By submitting Your information on this Site, You are opting-in to receiving communication contact from the Site and/or trusted real estate agents, real estate brokers or lenders or lending partners, auto dealers, personal loan providers and other Business Partners and affiliates. You may choose to ‘Opt Out’ of sharing Your personally identifiable information for certain purposes when it is requested on this Site. When completing the registration process, indicate Your preference on this Site or by following a link provided in our email communications. This Site, our Business Partners and/or third parties may also promote product and service offerings to You via e-mail, SMS (text) message, or by telephone to consumers who requested to be contacted either through our Site or through an Opt-In process on a third-party affiliate’s sites. To remove Your information from our database to not receive future communications or to no longer receive our service, click here.

Please be aware that Your participation in certain activities provided by our Site may be limited if personally identifiable information is not submitted for the user. E-mail addresses and phone numbers received in an opt-out request will be added to our company’s Do-Not-Contact registry within ten (10) days after receipt. Unless You “unsubscribe” or opt-out, this Site assumes You consent to receiving communications from it and its third-party vendors and affiliates. It is possible that a third-party vendor or affiliate may have purchased Your contact information from an additional third-party and thus You may continue to receive contacts from those third-parties. This Site is not responsible for stopping all unwanted contact from sources beyond our immediate control. This Site abides by CAN-SPAM and TCPA.

Updates to Our Privacy Policy

This Privacy Policy may be updated periodically to reflect changes to how we will collect, use and /or share information without prior notice to You and any changes will be effective immediately upon the posting of the revised Privacy Policy on our Site. We will use Your Personal Information in a manner consistent with the Privacy Policy in effect at the time you submitted the information, unless You consent to the new or revised policy. Please periodically review this page for the latest information on our privacy practices.

How to Contact Us

If you have any questions or concerns regarding this Privacy Policy, please contact us at: