Speedy Loan 24/7 ("Company," "we," "us," or "our") operates a financial lead-generation platform that connects consumers seeking loan products with third-party lenders and financial service providers through a real-time distribution (ping-tree) model.
This Privacy Policy explains how we collect, use, share, and protect personal information when you visit www.speedyloan247.com ("Website") or submit information through our forms.
IMPORTANT NOTICE
By using our services, you acknowledge and consent to the practices described in this Privacy Policy.
1. Our Role (Important Disclosure)
We are not a lender and do not make credit decisions.
We operate as a lead generator / marketplace that matches consumers with potential lenders and financial partners.
When you submit information:
- Your data may be shared with multiple lenders or buyers
- Distribution occurs via automated decisioning (ping-tree technology)
- Buyers may evaluate eligibility independently
2. Information We Collect
A. Information You Provide
When you submit a loan request or inquiry, we may collect:
- Full name
- Email address
- Phone number
- Mailing address
- Date of birth
- Loan amount requested
- Employment and income details
- Banking or financial indicators (as required)
- Consent and authorization records
B. Automatically Collected Information
- IP address
- Device and browser data
- Geolocation (approximate)
- Time and date stamps
- Referral and affiliate source data
C. Information From Third Parties
We may receive data from:
- Affiliate publishers
- Marketing partners
- Data verification services
- Fraud-prevention providers
3. How the Ping-Tree Model Uses Your Data
Your information may be used as follows:
1. Initial Evaluation (Ping)
- Limited data is shared with multiple potential lenders
- Used to determine eligibility and pricing
- May occur simultaneously or sequentially
2. Lead Delivery (Post)
- Full application data is sent to one or more matched lenders
- Based on eligibility, availability, and business rules
3. Fallback Distribution
- If one lender declines, your information may be shared with others
- Distribution may continue until a match is found or buyers are exhausted
4. How We Use Your Information
We use personal information to:
- Match consumers with lenders and financial partners
- Operate and optimize lead-distribution systems
- Communicate with you regarding your request
- Verify identity and detect fraud
- Maintain compliance records
- Improve platform performance
- Comply with legal and regulatory obligations
5. Information Sharing & Sale Disclosure
A. Lenders & Financial Buyers
We may share or sell your personal information to:
- Banks
- Licensed lenders
- Loan servicers
- Financial service providers
Important: This sharing may be considered a "sale" or "sharing" under certain state privacy laws.
B. Service Providers
Including:
- Lead-routing platforms
- Hosting providers
- Analytics services
- CRM and call-tracking vendors
- Compliance and audit partners
C. Legal & Compliance
We may disclose information to:
- Comply with law or court order
- Respond to regulatory requests
- Prevent fraud or abuse
- Enforce agreements
6. TCPA & Communication Consent
By submitting your information, you expressly consent to receive communications from us and our partners, including:
- Phone calls
- Text messages (SMS)
- Emails
This may include automated dialing systems or prerecorded messages, as permitted by law.
Consent:
- Is not required to obtain credit
- Can be revoked at any time by following opt-out instructions
7. Gramm-Leach-Bliley Act (GLBA)
As a financial lead-generation entity, we comply with the GLBA by:
- Limiting access to consumer information
- Implementing security safeguards
- Sharing data only as permitted by law
8. Cookies & Tracking
We use cookies and similar technologies to:
- Enable Website functionality
- Track affiliate attribution
- Measure performance
- Detect fraud
You may disable cookies in your browser settings.
9. Data Retention
We retain personal information only as long as necessary to:
- Fulfill lead-generation purposes
- Meet regulatory requirements
- Resolve disputes
- Maintain audit and compliance records
10. Your Privacy Rights (U.S.)
California Residents (CCPA/CPRA)
You have the right to:
- Know what personal information we collect
- Request deletion or correction
- Opt out of the sale or sharing of personal information
- Limit use of sensitive personal information
- Not be discriminated against
Opt-Out:
Email: contact@speedyloan247.com
11. Do Not Track Signals
We do not currently respond to "Do Not Track" signals.
12. Children's Privacy
Our Website is intended for individuals 18 years or older.
We do not knowingly collect information from minors.
13. Security Measures
We use reasonable safeguards including:
- SSL encryption
- Access controls
- Secure storage systems
- Regular security reviews
14. Policy Updates
We may update this Privacy Policy periodically. Changes will be posted on this page with a revised effective date.
By using our services, you acknowledge that you have read, understood, and agree to this Privacy Policy.
